Handayani, Yuyun Fiesta (2014) Pengaturan penggunaan jasa debt collector di Indonesia dengan mengacu pada fair debt collection practise acts di Amerika Serikat. Masters thesis, Universitas Pelita Harapan.
![Title.pdf [thumbnail of Title.pdf]](http://repository.uph.edu/style/images/fileicons/text.png)
Sampul.pdf
Restricted to Repository staff only
Available under License Creative Commons Attribution Non-commercial Share Alike.
Download (683kB)
Preview
Abstrak.pdf
Available under License Creative Commons Attribution Non-commercial Share Alike.
Download (96kB) | Preview
Preview
Bab I.pdf
Available under License Creative Commons Attribution Non-commercial Share Alike.
Download (96kB) | Preview
![Chapter2.pdf [thumbnail of Chapter2.pdf]](http://repository.uph.edu/style/images/fileicons/text.png)
Bab 2.pdf
Restricted to Registered users only
Available under License Creative Commons Attribution Non-commercial Share Alike.
Download (163kB)
![Chapter3.pdf [thumbnail of Chapter3.pdf]](http://repository.uph.edu/style/images/fileicons/text.png)
Bab 3.pdf
Restricted to Registered users only
Available under License Creative Commons Attribution Non-commercial Share Alike.
Download (100kB)
![Chapter4.pdf [thumbnail of Chapter4.pdf]](http://repository.uph.edu/style/images/fileicons/text.png)
Bab 4.pdf
Restricted to Registered users only
Available under License Creative Commons Attribution Non-commercial Share Alike.
Download (16kB)
Preview
Daftar Pustaka.pdf
Available under License Creative Commons Attribution Non-commercial Share Alike.
Download (9kB) | Preview
Abstract
Penggunaan jasa Debt Collector oleh Bank dalam melakukan penagihan
hutang sudah menjadi hal yang wajar karena telah dilakukan dalam jangka waktu
yang lama. Bank Indonesia sebenarnya tidak melarang penggunaan jasa Debt
Collector, tetapi penggunaan jasa Debt Collector harus tetap sesuai dengan
ketentuan yang telah ditetapkan oleh Bank Indonesia, sebagaimana yang diatur
dalam Peraturan Bank Indonesia (PBI) No. 11/11/PBI/2009 yang telah
disempurnakan dengan Peraturan Bank Indonesia (PBI) 14/2/PBI/2012 dan Surat
Edaran Bank Indonesia (SEBI) No. 14/17/DASP tanggal 7 Juni 2012.
Permasalahan yang akan dibahas dan dijawab dalam tesis ini, yaitu (1)
Apakah pengaturan tentang Debt Collector dalam SE BI No. 14/17/DASP tanggal
7 Juni 2012 sudah memberikan jaminan perlindungan hukum terhadap nasabah
perbankan dengan mengacu pada Fair Debt Collection Practices Act? dan (2)
Apakah akibat hukum bagi Debt Collector ketika melanggar ketentuan SE BI No.
14/17/DASP tanggal 7 Juni 2012, PBI No. 14/2/2012, dan Fair Debt Collection
Practices Act? Dari kedua rumusan masalah tersebut diperoleh jawaban (1)
Perlindungan Hukum terhadap konsumen/debitur menurut SEBI 14/2012 dan PBI
14/2012 secara umum masih minim atau sangat sederhana dan bahkan
memberikan kebebasan bagi Debt Collector dalam melakukan penagihan; dan (2)
belum diatur akibat hukum berupa sanksi bagi Debt Collector di dalam SEBI
14/2012 dan PBI 12/2012, sehingga yang digunakan di Indonesia masih mengacu
pada ketentuan umum, dalam arti masih mengacu pada KUHPerdata berkaitan
dengan gugatan ganti rugi wanprestasi maupun perbuatan melawan hukum serta
KUHP berkaitan dengan sanksi pidana pada umumnya.
Tipe penelitian yang digunakan adalah tipe yuridis normatif, yaitu
didasarkan pada studi pustaka yang merupakan norma-norma hukum yang
berkaitan dengan proses penyelesaian kredit bermasalah melalui Debt Collector
sesuai dengan SEBI 14/2012, PBI 14/2012 serta peraturan perundang-undangan
FDCPA di Amerika Serikat. Penulisan tesis ini menggunakan Statue Approach,
yaitu dengan melihat isi atau substansi peraturan perundang-undangan, dan
Comparative Approach dengan membandingkan peraturan di Indonesia dengan
peraturan di Amerika Serikat terkait tata cara penagihan oleh Debt Collector. / The use of debt collector services by Bank in the conduct of debt collection
become a natural thing because it has been done since long times ago. Bank
Indonesia does not actually prohibit the use of debt collectors, but the use of this
service should be in accordance with the rules regulated by Bank Indonesia as
stipulated in the PBI No. 11/11/PBI/2009 which has been revised with PBI
14/2/PBI/2012 and also the terms that regulated in SEBI No. 14/17/DASP. The
case of the death of one customers who have delinquent credit card debt shows
the act of thuggery by debt collectors who did the debt collection on that case
There are two problems that will be discussed and solved in this thesis (1)
Has the regulation about Debt Collector in the SE BI No. 14/17/DASP date 7th
June 2012 been giving the law protection guarantee to the customer refers to the
Fair Debt Collection Practices Act? and (2) What is the sanction for the Debt
Collectors when they break the SE BI No. 14/17/DASP date 7th June 2012, PBI
No. 14/2/2012, and Fair Debt Collection Practices Act? From those two problems
the answer is (1) The law protection for the customer according to SEBI 14/2012
and PBI 14/2012 is still simple and not giving enough protection in general, even
still giving free actions to the Debt Collector in debt collecting and (2) There is no
sanction yet toward the Debt Collector according to SEBI 14/2012 and PBI
12/2012, so that Indonesia still using the regular rules, such as the KUHPerdata
related with the compensation of default or the tort, and also the KUHP related
with the criminal sanction in regular.
This type of research is normative, in the sense that this study was based
on a literature review, a legal norms concerning the process of resolution of
problem loans through Debt Collector associated with SEBI 14/2012, Regulation
14/2012 and FDCPA laws in America States. This thesis uses the Statue Approach
to view the contents or substance of the legislation. Comparative approach by
comparing regulation in Indonesia with U.S. regulations related to billing
procedures by Debt Collector.
Item Type: | Thesis (Masters) |
---|---|
Creators: | Creators NIM Email ORCID Handayani, Yuyun Fiesta NIM90220120010 UNSPECIFIED UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email Thesis advisor Mandiana, Sari UNSPECIFIED UNSPECIFIED Thesis advisor Achmad, Andyna Susiawati UNSPECIFIED UNSPECIFIED |
Uncontrolled Keywords: | debt collector; perlindungan hukum konsumen/debitur; sebi 14/2012 & pbi 14/2012; fair debt collection practise acts (usa); debt collector; consumer/debitur legal protection; sebi 14/2012 & pbi 14/2012; fair debt collection practise acts (usa) |
Subjects: | K Law > K Law (General) |
Divisions: | University Subject > Current > Faculty/School - UPH Surabaya > Faculty of Law > Master of Law Current > Faculty/School - UPH Surabaya > Faculty of Law > Master of Law |
Depositing User: | Rafael Rudy |
Date Deposited: | 16 Jan 2024 08:15 |
Last Modified: | 16 Jan 2024 08:15 |
URI: | http://repository.uph.edu/id/eprint/60205 |