KEWENANGAN DAN MEKANISME PENYELESAIAN SENGKETA PERBANKAN DALAM RANGKA PERLINDUNGAN NASABAH PERBANKAN SETELAH DIBENTUKNYA UNDANG UNDANG NOMOR 21 TAHUN 2011 TENTANG OTORITAS JASA KEUANGAN

Abstract

4 ABSTRAKSI KEWENANGAN DAN MEKANISME PENYELESAIAN SENGKETA PERBANKAN DALAMRANGKA PERLINDUNGAN NASABAH PERBANKANSETELAH DIBENTUKNYA UNDANG – UNDANG NOMOR 21 TAHUN 2011 TENTANGOTORITAS JASA KEUANGAN Tidakadanyaperlindungan yang seimbangmenyebabkannasabahberadapadaposisi yang lemah.Aspekperlindungannasabahinijugadapatdilihatpadabisnisperbankan nasional.Ada duamasalahdominan yang seringdikeluhkannasabahjasaperbankan.Pertamapengaduansoalprodukpe rbankanseperti ATM (Automatic Teller Machine), kartukredit, dananekaragamjenistabungan.Termasukjugadalamkeluhanprodukperbank anadalahsoaljanjihadiahdaniklanprodukperbankan.Kedua, pengaduansoalcarakerjapetugas yang tidaksimpatikdankurangprofesionalkhususnyapetugasservice point sepertiteller, customer service, dansatpam. Dari masalah – masalahtersebutdapatdilihatbahwaaspekperlindungannasabahmerupakan aspek yang sangatpentinguntukdiperhatikandantidakdilanggar. Jenispenelitianiniadalahyuridisnormatifyaitudengancaramenelitibah anpustakadanbahansekunderSumber Data dalampenelitianiniadalah data sekunder. Adapunteknikpengumpulan data yang digunakandalampenulisantesisiniyaitumelaluiteknikstudipustaka (library research). Mekanismepenyelesaiansengketaperbankandalamrangkaperlindun gannasabahperbankan, yaituPenyelesaianSengketamelalui OJK dalammelaksanakanfasilitaspenyelesaiansengketa, OJK menunjukfasilitator yang merupakanpetugas OJK dibidangEdukasidanPerlindunganKonsumen, DirektoratPelayananKonsumen OJK. Kewenangan OJK dalamrangkaperlindungankonsumen, khususnyaperlindungannasabahperbankan, yaitusebgaiberikut: (a) Memberikaninformasidanedukasikepadamasyarakatataskarakteristiksektor jasakeuangan, layanan, danproduknya; (b) Memintalembagajasakeuanganuntukmenghentikankegiatannyaapabilakeg iatantersebutberpotensimerugikanmasyarakat; dan (c)Tindakan lain yang dianggapperlusesuaidenganketentuanperaturanperundang-undangan di sektorjasakeuangan. DampakberlakunyaUndang – Undangnomor 21 tentangOtoritasJasaKeuanganterhadapnasabahperbankan, yaituOtoritasJasaKeuanganmampumenjalankanfungsipengawasanperban kan. ApalagihalitusudahdiamanatkandalamUndang-UndangNomor 21 Tahun 2011. 5 Kata Kunci :PenyelesaianSengketa, PerlindunganNasabahdan UU OJK. ABSTRACT AUTHORITY AND MECHANISM FOR BANKING DISPUTE SETTLEMENT FOR THE PROTECTION OF BANKING CUSTOMERS AFTER THE ESTABLISHMENT OF THE LAWNUMBER 21 YEAR 2011 CONCERNING FINANCIAL SERVICES AUTHORITY The absence of balanced protection causes customers to be in a weak position. This aspect of customer protection can also be seen in the national banking business. There are two dominant problems that banking service customers often complain about. First, complaints about banking products such as ATMs (Automatic Teller Machines), credit cards, and various types of savings. Also included in complaints about banking products are about promises of gifts and advertisements for banking products. Second, complaints about the unsympathetic and unprofessional workings of officers, especially service point officers such as tellers, customer service, and security guards. From these problems, it can be seen that the customer protection aspect is a very important aspect to be considered and not violated. This type of research is normative juridical, namely by examining library materials and secondary materials. The source of data in this study is secondary data. The data collection technique used in writing this thesis is through library research techniques. Banking dispute resolution mechanisms in the context of protecting banking customers, namely Dispute Resolution through OJK in implementing dispute resolution facilities, OJK appoints facilitators who are OJK officers in the field of Consumer Education and Protection, Directorate of OJK Consumer Services The authority of the OJK in the context of consumer protection, in particular the protection of banking customers, is as follows: (a) Providing information and education to the public on the characteristics of the financial services sector, services and products; (b) Requesting financial service institutions to stop their activities if these activities have the potential to harm the community; and (c) Other actions deemed necessary in accordance with the provisions of laws and regulations in the financial services sector. The impact of the enactment of Law number 21 concerning the Financial Services Authority on banking customers, namely that the Financial Services Authority is able to carry out the banking supervision function. Moreover, it has been mandated in Law No. 21 of 2011. Keywords: Dispute Resolution, Customer Protection and OJK Law.