PERAN HUKUM DALAM MENJAMIN KEAMANAN REKENING NASABAH (STUDI ATAS KEBIJAKAN PERBANKAN DI Indonesia)
Abstract
This research aims to analyze the extent of the role of law in ensuring the security of customer accounts, as well as to explore the effectiveness of banking policies implemented by the relevant authorities. This research applies a sociological juridical approach, using a case study design and descriptive-qualitative analysis. The research results reveal that Indonesia has a strong legal basis regarding banking, as contained in the provisions of Law no. 10 of 1998, which regulates banks' obligations to maintain bank secrets and protect customer data from protection. Apart from that, legal protection for customers is also regulated in Law Number 8 of 1999 concerning Consumer Protection, which gives customers the right to obtain clear, correct and not excessive information regarding banking products or services. However, its implementation cannot be separated from various challenges, including the rise of cybercrime which is increasingly sophisticated and organized, oddities because not all banks have equivalent security systems in dealing with digital threats, as well as obstacles to the effectiveness of these policies which occur due to inconsistencies between existing regulations, and implementation in the field. Therefore, more intensive education and counseling regarding the importance of personal data security remains a very urgent matter that must be carried out on an ongoing basis.
Keywords
Full Text:
PDFReferences
Buku:
Djulaeka, S.H. & Rahayu, D.S.H. (2020) Buku Ajar: Metode Penelitian Hukum. Scopindo Media Pustaka.
Huda, M.C. & S.H.I., M.H. (2021) Metode Penelitian Hukum (Pendekatan Yuridis Sosiologis). The Mahfud Ridwan Institute.
Juliardi, B., et al. (2023) Metode Penelitian Hukum. CV. Gita Lentera.
Jurnal:
Antoine, R.A., et al. (2025) ‘Penyalahgunaan Data Pribadi dalam Teknologi Transaksi Digital di Industri Perbankan Digital (Studi Kasus PT. Bank Syariah Indonesia)’, Jurnal Multidisiplin Ilmu Akademik, 2(1), pp. 316–327.
Endrawati, E.A., Kaemirawati, D.T. & Herawati, S. (2024) ‘Perlindungan Hukum sebagai Upaya Meningkatkan Kepercayaan Masyarakat terhadap Perbankan: Studi Kasus Kejahatan Perbankan di Indonesia’, Binamulia Hukum, 13(2), pp. 589–602.
Faizah, N., et al. (2024) ‘Peran Otoritas Jasa Keuangan dan Lembaga Penjamin Simpanan dalam menjaga stabilitas dan keamanan sistem keuangan’, Jurnal Ilmiah Research and Development Student, 2(1), pp. 135–144.
Hardinata, M.J., et al. (2024) ‘Sosialisasi Kebijakan Bank Digital: Perlindungan Hukum Terhadap Data Nasabah Dari Risiko Serangan Siber’, RENATA: Jurnal Pengabdian Masyarakat Kita Semua, 2(2), pp. 165–172.
Juita, S.R., Astanti, D.I. & Septiandani, D. (2023) ‘Perlindungan Hukum Terhadap Nasabah Bank Korban Kejahatan Skimming’, Jurnal USM Law Review, 6(1), pp. 407–419.
Kinot, I.R., et al. (2022) ‘Perlindungan Hukum Terhadap Nasabah Penyimpan Dana Di Bank Oleh Lembaga Penjamin Simpanan’, Jurnal Yustisiabel, 6(2), pp. 110–131.
Maharani, B.A. & Hirsanuddin, H. (2024) ‘Perlindungan Hukum Bagi Nasabah Bank Atas Kerugian Kejahatan Skimming (Studi Di Bank BRI Praya Lombok Tengah)’, Commerce Law, 4(1).
Rafli, M., et al. (2023) ‘Peran dan Fungsi Lembaga Penjamin Simpanan Pada Bantuan Likuiditas Yang Dilakukan oleh Bank Century’, Madani: Jurnal Ilmiah Multidisiplin, 1(11).
Rahman, M.A.I., Domas, Z.K.S. & Firmansyah, A. (2021) ‘Hubungan pengungkapan keberlanjutan dan nilai perusahaan: kasus perusahaan sub sektor perbankan di Indonesia’, Jurnalku, 1(4), pp. 390–399.
Sinaga, P. (2021) ‘Peranan Lembaga Penjamin Simpanan Terhadap Simpanan Nasabah Dalam Penanganan Likuidasi Bank’, Tanjungpura Law Journal, 5(2), pp. 115.
Sofiyah, S. & Apriani, R. (2024) ‘Legal Protection For E-Banking Customers (Perlindungan Hukum Terhadap Nasabah E-Banking)’, Jurnal Ilmiah Wahana Pendidikan, 10(22), pp. 1263–1272.
Tumbelaka, F.P.M., Pardita, D.P.Y. & Aryawan, I.G. (2023) ‘Pengaruh Kurs, Inflasi, dan Pertumbuhan PDB Terhadap Harga Saham Sub Sektor Perbankan yang Terdaftar di Bursa Efek Indonesia’, Wicaksana: Jurnal Lingkungan dan Pembangunan, 7(1), pp. 27–34.
Utama, A.S. (2021) ‘Perlindungan negara terhadap dana simpanan nasabah pada perbankan’, Jurnal Hukum Das Sollen, 5(1).
Wala, G.N. & Rasji. (2023) ‘Problems of Tax Collection by the Tax Mafia in the Perspective of Tax Law’, Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia, 2(2), pp. 1138–1142.
Skripsi, Tesis, Disertasi:
Margaretha Ajik Pribadi, D. (2022) Pengaruh Pandemi Covid-19 Terhadap Stabilitas Sistem Keuangan Di Indonesia. Thesis.
Saputera, N.T.H. (2021) Perlindungan Bagi Dana Nasabah dengan Nilai Total Melebihi Batas Hak Penjaminan Simpanan pada UU No. 24 Tahun 2004. Thesis. Universitas 17 Agustus 1945 Surabaya.
Peraturan Perundang-undangan:
Undang-Undang No. 10 Tahun 1998 tentang Perbankan.
Undang-Undang No. 8 Tahun 1999 tentang Perlindungan Konsumen.
DOI: https://doi.org/10.35308/jic.v9i1.11613
Refbacks
- There are currently no refbacks.
Copyright (c) 2025 christina orvala aurel balubun, Gunawan Djajaputera
p-ISSN: 2614-5723 I e-ISSN: 2520-6617 I DOI: 10.35308
Jl. Alue Peunyareng, Ujong Tanoh Darat, Meureubo, Kabupaten Aceh Barat, Aceh 23681, Indonesia
(0655) 7110535 l +6282214066169 l +6285277034555
is licensed under a Attribution 4.0 International License