Pola penyelesaian sengketa di luar pengadilan bagi konsumen lembaga perbankan dan lembaga pembiayaan guna mewujudkan kepastian hukum

Hartanto, Stefanie (2018) Pola penyelesaian sengketa di luar pengadilan bagi konsumen lembaga perbankan dan lembaga pembiayaan guna mewujudkan kepastian hukum. Doctoral thesis, Universitas Pelita Harapan.

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Abstract

The Financial Services Authority Act ("OJK") provides alternative dispute resolution regarding disputes occurring with financial institutions. This is the preferred solution given by OJK to consumers of financial services institutions, especially the banking sector and the financing sector as a form of consumer protection with the aim of creating legal certainty for the parties to the dispute. According to the background, this research is structured to answer three issues, first, how is the dispute resolution pattern of banking institution and financing institution based on Financial Service Authority Regulation Number 1 / POJK.07 / 2014 About Alternative Institution of Dispute Settlement in Financial Services Sector?; second, How is the implementation of out of court dispute settlement of financial services of banking institutions and financial institutions?; third, how is the dispute resolution pattern of banking institutions and financial institutions in the future that can provide legal certainty for consumers of banking institutions and consumers of financing institutions? This research apply the normative law research method, which use secondary data. According to comprehensive legal analitical by Researcher, it can be concluded, first, the arrangement of dispute settlement of financial services at banking institution and financing institution pursuant to OJK provision through alternative dispute settlement is a good thing; second, OJK provides the procedure of out of court settlement, through mediation, adjudication and arbitration; third, the settlement of out of court dispute settlement is the national identity based on deliberation so that the parties can obtain decisions that are well received by the parties and the implementation of the execution should no longer require the registration of the district court because the alternative institution of dispute resolution is an independent institution. / Undang-undang Otoritas Jasa Keuangan (“OJK”) mengatur mengenai alternatif penyelesaian sengketa di luar pengadilan bagi sengketa yang terjadi pada lembaga jasa keuangan. Hal ini merupakan pilihan solusi bagi konsumen lembaga jasa keuangan, khususnya sektor perbankan dan sektor pembiayaan sebagai bentuk perlindungan konsumen dengan tujuan menciptakan kepastian hukum bagi para pihak yang bersengketa. Berdasarkan latar belakang tersebut, penelitian ini disusun untuk menjawab tiga permasalahan, yakni pertama, bagaimana pola penyelesaian sengketa lembaga perbankan dan lembaga pembiayaan berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 1/POJK.07/2014 Tentang Lembaga Alternatif Penyelesaian Sengketa di Sektor Jasa Keuangan?; kedua, Bagaimana implementasi mekanisme pola penyelesaian sengketa jasa keuangan di luar pengadilan lembaga perbankan dan lembaga pembiayaan?; ketiga, bagaimana pola penyelesaian sengketa lembaga perbankan dan lembaga pembiayaan di masa depan yang dapat memberikan kepastian hukum bagi konsumen lembaga perbankan dan konsumen lembaga pembiayaan? Penelitian ini menggunakan metode penelitian hukum yuridis normatif, dengan menggunakan data sekunder. Berdasarkan analisis hukum yang komprehensif, dapat disimpulkan, hal-hal sebagai berikut, pertama, pengaturan penyelesaian sengketa jasa keuangan pada lembaga perbankan dan lembaga pembiayaan berdasarkan ketentuan OJK melalui alternatif penyelesaian sengketa merupakan hal yang baik; kedua, OJK mengatur mengenai tata cara penyelesaian sengketa di luar pengadilan melalui mediasi, ajudikasi dan arbitrase; ketiga, penyelesaian sengketa di luar pengadilan merupakan jati diri bangsa berdasarkan asas musyawarah mufakat sehingga para pihak dapat memperoleh keputusan yang diterima dengan baik oleh para pihak dan pelaksanaan eksekusinya tidak lagi memerlukan pendaftaran di pengadilan negeri karena lembaga alternatif penyelesaian sengketa merupakan lembaga independen dan mandiri.

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