Aspek Keadilan Dalam Klausula Baku

Fauziyah Sari Ferdyan Putri, Nynda Fatmawati Octarina

Abstract


Banks in carrying out credit provide a credit agreement in which standard clauses of standardization have been set by the bank. A standardized agreement means that the contents of the agreement are certain, then the party who standardized the agreement provides a printed form which is then given to the consumer or debtor for approval. With this, the debtor cannot negotiate beforehand about the contents that have been stated in the form and can only agree or not regarding the content of the agreement. Standard clauses are contained in Article 1 paragraph (10) of the Consumer Protection Act which contains: “Standard clauses are any rules of provisions and provisions that have been prepared and determined in advance unilaterally by business actors as outlined in a document and/or a binding agreement and must be met by consumer. The position of the bank that i higher than the debtor from an economic and social perspective must have legal protection that regulates it in order to achieve justice for all parties with a stronger bargaining position tends to dominate the party with a weaker bargaining position. This imbalance requires legal intervention to provide firm legality of legal products.

Keywords : Credit Agreement; Standard Clause; Consumer Protection.


Full Text:

PDF

References


Buku

Diantha, I Made Pasek 2017, Metodologi Penelitian Hukum Normatif

Dalam Justifikasi Teori Hukum, Jakarta: Prenada Media Group.

Gunawan, Johanes dan Berdatte M. Waluyo, 2021, Perjanjian Baku

Masalah dan Solusi, Jakarta: Deutsche Gesellschaft fur Internationale Zusammenarbeit.

Hariyani , Iswi, 2010, Restrukturisasi dan Penghapusan Kredit Macet,

Jakarta: Gramedia.

Hernoko , Agus Yudha, 2011, Hukum Perjanjian, Asas Proporsionalitas

Dalam Kontrak Komersial, Jakarta: Kencana Prenada Media.

Kusumastuti, Dora, 2019, Perjanjian Kredit Perbankan Dalam Perspektif

Welfare State, Yogyakarta: Deepublish.

Marzuki, Peter Mahmud, 2005, Penelitian Hukum, Jakarta : Kencana Prenada Media Group.

Muthiah, Aulia, 2018, Hukum Perlindungan Konsumen Dimensi Hukum

Positif dan Ekonomi Syariah, Yogyakarta: Pustaka Baru Press.

Sjahdeini , Sutan Remy, 1993, Kebebasan Berkontrak Dan Perlindunga

Yang Seimbang Bagi Para Pihak Dalam Perjanjian Kredit Bank Di Indonesia, Jakarta: Institut Bankir Indonesia.

Supramono, Gatot, 2009, Perbankan dan Masalah Kredit, Jakarta: Rineka Cipta.

Wardono, Kelik 2014, Perjanjian Baku, Klausul Eksonerasi dan Konsumen: Beberapa Uraian tentang Landasan Normatif, Doktrin, dan Praktiknya, Yogyakarta: Ombak (Anggota IKAPI).

Peraturan Perundang-Undangan

Kitab Undang-Undang Hukum Perdata.

Undang-Undang Nomor 10 Tahun 1998 tentang Perubahan Atas Undang Undang Nomor 7 Tahun 1992 tentang Perbankan (Lembaran Negara Republik Indonesia Tahun 1998 Nomor 117 Tambahan Lembaran Negara Nomor 2735); Jakarta.

Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen (Lembaran Negara Republik Indonesia Tahun 1999 Nomor 42 Tambahan Lembaran Negara Nomor 3821); Jakarta.

Jurnal

Jahri, Ahmad, "Perlindungan Nasabah Debitur Terhadap Perjanjian Baku

Yang Mengandung Klausula Eksonerasi Pada Bank Umum Di

Bandarlampung", Jurnal Fiat Justisia, Vol. 10 No. 1, 2016

Marsidah, “Bentuk Klausula-Klausula Baku Dalam Perjanjian Kredit Bankâ€, Jurnal Solusi, Vol. 17 No. 3.

Sentosa, Aman, “Renegosiasi dan Restrukturisasi Perusahaan Dalam

Upaya Penyelesaia Hutangâ€, Jurnal Hukum, Vol. 7 No. 14, Agustus 2000.

Widyanti, Yenny Eta, “Perjanjian Baku Ditinjau dari Prinsip-Prinsip

Pemberian Kredit dan Tolak Ukur Perjanjian Baku Agar Mengikat Para Pihakâ€, Bagian Hukum Perdata, Fakultas Hukum, Universitas Brawijaya Malang.

Website

“Bab III Klausula Baku Pada Perjanjian Kredit Bankâ€, 05.3 bab 3(1).pdf, diakses

pada 07 April 2021.

Skripsi

Suci Wahyu Lestari,†Implementasi Perjanjian Baku Dalam Transaksi

Kredit Berdasarkan Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen (Studi Di Bank Perkreditan Rakyat Artha Daya)â€, Surakarta: Program Studi Ilmu Hukum Fakultas Hukum Universitas Sebelas Maret, 2012.




DOI: https://doi.org/10.36987/jiad.v11i1.3790

Refbacks

  • There are currently no refbacks.


This journal is also a member of and subscribes to the principles of the Committee on Publication Ethics. 

 

Lisensi Creative Commons

All publications by Jurnal Ilmiah Advokasi [p-ISSN: 2337-7216] [E-ISSN: 2620-6625] is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License (CC BY - NC - SA 4.0)