Perlindungan Hukum Bagi Pemegang Kartu E-Money Sebagai Alat Pembayaran dalam Transaksi Non Tunai

I Kadek Ary Astrawan; I Nyoman Putu Budiartha; Ni Made Puspasutari Ujianti

doi:10.22225/juinhum.2.2.3442.366-371

I Kadek Ary Astrawan
I Nyoman Putu Budiartha Fakultas Hukum, Universitas Warmadewa, Denpasar-Bali, Indonesia
Ni Made Puspasutari Ujianti Fakultas Hukum, Universitas Warmadewa, Denpasar-Bali, Indonesia

DOI: https://doi.org/10.22225/juinhum.2.2.3442.366-371

Abstract

Technological developments have brought changes to payments in the form of cash in the form of conventional metal and paper, which have now developed in the form of electronic payment instruments. One means of payment with an electronic or non-cash system is by using an E-Money card. Through Bank Indonesia Regulation Number 20/6 / PBI / 2018, regulations have been stated regarding the application of consumer protection principles which also regulate the financial loss compensation mechanism but have not clearly and in detail how the compensation mechanism is. In this case there is a blur of norms by the ambiguity of this regulation which causes different interpretations between one institution and another. There are two focuses on this research, about investigation of the legal regulatory mechanism against fund card (E-money) owners in conducting digital transactions and the legal protection mechanism in the event of financial loss due to loss of fund card (E-Money). The research method used in this paper is the normative legal research method, namely researching legal principles and examining written regulations. In conclusion, compensation for E-Money can only be done if it is the damage of the issuer. Banks as electronic money issuers are not responsible for the losses of E-Money owners where this rule violates consumer protection principles.

References

Dayi, H. (2018). Perlindungan Hukum Bagi Pemegang Uang Elektronik ditinjau dari POJK Nomor 1/POJK.07/2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan (Studi Tentang Klaim Ganti-Rugi Kartu Rusak). Fakultas Hukum, Universitas Islam Indonesia.

Efendi, J., & Ibrahim, J. (2016). Metode Penelitian Hukum: Normatif dan Empiris. Kencana, Jakarta.

Haryana, F. S. (2016). Perlindungan Hukum Bagi Nasabah Pemegang Kartu E-Money Yang Diterbitkan Oleh Bank. Fakultas Ilmu Hukum, Universitas Airlangga.

Hermansyah. (2005). Hukum Perbankan Nasional Indonesia. Kencana Prenada Media Group, Jakarta.

Miru, A. (2011). Prinsip-prinsip Perlindungan Hukum Konsumen â€“ Ahmadi Miru. PT Raja Grafindo Persada, Jakarta.

Purnomo, S. D., Serfiyani, C. Y., Hariyani, I., & Simatur, Z. (2012). Untung dengan kartu kredit, kartu ATM-Debit, & uang elektronik. Visimedia, Jakarta.

Sitorus, R. F. (2018). Perlindungan Hukum Pemegang Kartu Uang Elektronik Ketika Hilang. Novum: Jurnal Hukum, Vol.5(2).

Sudikno, M. (1996). Mengenal hukum suatu pengantar. Liberty, Yogyakarta.

Sunaryo, S. (2009). Hukum Informasi dan Elektronik. Rineka Cipta, Jakarta.

Turmantara, F. (2016). Hukum Perlindungan Konsumen. Setara Press, Malang.