Analysis of Law no. 8 of 1999 As Legal Protection for Consumers Using Electronic Money (E-Money) at Bank Syariah Mandiri
DOI:
https://doi.org/10.37010/hmr.v1i01.3Keywords:
e-money, laws, bank syariah mandiriAbstract
Prospective BSM E-Money card users will not be required to register (unregistered system), which means they do not need to fill in their identity at Bank Syariah Mandiri. However, there are things that need to be considered by prospective BSM E-Money card users, namely that Bank Syariah Mandiri will not replace the balance used by irresponsible parties if the card chip is lost. This is because, in use, starter packs do not require a PIN or signature anymore. So, of course, the law needs to step in to protect electronic money users from risks that may result in major losses for electronic money users. As consumers, electronic money users can refer to legal protection in Article 1 Paragraph 2 of Law Number 8 of 1999 concerning Consumer Protection. The method used for writing this journal is a normative legal method using a qualitative approach. Given that there is no guarantee from the Deposit Insurance Agency (LPS), at least electronic card users are given equal rights and fairness, like a good relationship between ordinary bank customers and issuing banks, especially Bank Syariah Mandiri. Bank Syariah Mandiri is expected to be able to offer agreements in the use of electronic money payment instruments so that electronic money users can know their rights and obligations toward Bank Syariah Mandiri as business actors.
References
Abdulkadir Muhammad, (2004) Hukum dan Penelitian Hukum. Jakarta : PT. Citra Aditya Bakti.
Ashofa, Burhan (2004). Metode Penelitian Hukum. Jakarta : Rineka Cipta.
Kristiyani, C. T. S., (2011) Hukum Perlindungan Konsumen. Jakarta: Sinar Grafika.
Idroes, Ferry (2008) Manajement Resiko Perbankan. Bandung : Rajawali Pers.
Junita, Fify (2005) Aspek Risiko Dan Tanggung Gugat Bank Dalam Transaksi Pengiriman Uang Secara Elektronik. Surabaya : Yuridika.
Pieris, J. & Widiarty, W. S. (2007) Negara Hukum dan Perlindungan Konsumen Terhadap Produk Pangan Kedaluwarsa. Jakarta : Pelangi Cendikia.
Ibrahim, Johnny (2006) Teori dan Metodologi Penelitian Hukum Normatif. Malang: Bayumedia.
Komarudin (1979) Metode Penulisan Skripsi dan Tesis. Bandung :Remaja Rosdakarya.
Marzuki, P. M. Penelitian Hukum. Jakarta: Kencana.
Purnomo, S. D. et al, (2012) Untung Dengan Kartu Kredit, Kartu ATM-Debit, & Uang Elektronik. Jakarta: Visimedia.
Hidayati, S. et al, Operasional E-Money, Jakarta: BI.
Soekanto, S. & Mamudji, Sri (1995) Penelitian Hukum Normatif (Suatu Tinjauan Singkat). Bandung : Rajawali Pers.
Soekanto, S. (2014) Pengantar Penelitian Hukum, Jakarta: UI-Perss.
Dunil,Z. (2014) Kamus Istilah Perbankan Indonesia, Jakarta : PT Gramedia Pustaka Utama.
Bank Indonesia, (2006) Paper Seminar Internasional Toward a Less Cash Society in Indonesia. Jakarta: Direktorat Akunting dan Sistem Pembayaran Bank Indonesia.
Abdullah, B. (2006) Paper Seminar Internasional Toward a Less Cash Society in Indonesia. Jakarta: Direktorat Akunting dan Sistim Pembayaran Bank Indonesia.
Tobing, D. L. (2006) OJK Selaku Pelindung Konsumen dan Pelaku Usaha, Paper Seminar.
Penegakan Hukum Perlindungan Konsumen Pasca Undang-Undang Otoritas Jasa Keuangan (OJK) Nomor 1 Tahun 2013”, Jakarta, Otoritas Jasa Keuangan,
Tim Inisiatif (2006) Working Paper: Upaya Meningkatkan Penggunaan Alat Pembayaran Non Tunai Melalui Pengembangan E-Money. Jakarta: BI.
Undang Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen
Undang-Undang Nomor 10 Tahun 1998 Tentang Perubahan Atas Uu No. 7 Tahun 1992 Tentang Perbankan.
Undang-Undang Nomor 24 Tahun 2004 tentang Lembaga Penjamin Simpanan
Undang-undang Nomor 3 Tahun 2004 tentang Perubahan Atas Undang-Undang Nomor 23 Tahun 1999 tentang Bank Indonesia
Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan
Freudenthal, H. (1991). Revising Mathematics Education. Dordrecht: Kluwer Academic Publishers.
Madya, S. (2011). Teori dan Praktik Penelitian Tindakan (Action Research). Bandung: Alfabeta.
Downloads
Published
Issue
Section
License
Copyright (c) 2023 Aulia Passya Fauzi
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.