Analisis Yuridis Undang-Undang Perlindungan Konsumen Nomor 8 Tahun 1999 Terhadap Nasabah Bank Pengguna ATM (Studi Kasus Putusan Mahkamah Agung No.718/K/Pdt.Sus/2008)

Abstract

Activities that support the acceleration of the development of a country which is, business activities in the field of banking, financial institution, government/private legal entities, and individuals to carry out activities of savings, financing and also run the mechanism of payment system for all sectors of the economy business bank. Employee of a bank who serves customers in transact teller, Initially, the bank service performed with system teller classical, procedural (in), along with the rise was technology and demands performed a practical and quickly, banking services turn to the bank teller modern electronic (service). Services are product of a advanced Electronic Funds Transfer System (EFTS). To banking services in the form of a card, the card has been granted an Personal Identification Number (only found out a PIN). Cards can be functioned as a cash withdrawal, funds transfers, and payment of money shopping or services. But the development of banking risk reffered to have an impact, e.g. is a transaction that has been done withs funds debit unnoticed customer, and in such conditions, customer feel they conceded while the bank regards the transaction applies normal. An e.g. that it is a real case and has been held by the Court of Cassation level up. The Supreme Court case number 718/k/Pdt.Sus/2008 between Mr. Ir. Bahari against Indonesia of Bank National. This research a normative legal study whose data ware analysis of the rulling, Supreme Court, and literatures on law library. By gathering research material such as books, encyclopedias, internet, legislation, and the results of scientific works that can be accounted for. Subs equent research processed, analyzed, and systematically eleborated as one in research. A balance between rights and obligations bank as enterpreneurs and depositors consumers as stipulated in the concept of raw agreement havent be conducted in accordance with the provision of the legislation. Letter next circular Indonesia of Bank National No. 7/60DASP, about customer protection principle and prudance, also article 8 paragraph (1) of Act Number 8 1999 on consumer protection is one reason the judge in his rulling in the Supreme Court castigate punish Indonesia of Bank National to indeminify a customer.