Indonesian Journal of Law and Economics Review
Vol 2 No 2 (2019): February
Financial Technology

A Critical Review of Legal Protection Against E-Money Users in Indonesia
Ulasan Kritis Perlindungan Hukum Terhadap Pengguna E-Money di Indonesia


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  • Saivol Virdaus*,
  • Nasrulloh Ali Munif
Saivol Virdaus
Faculty of Law, Universitas Islam Kadiri, Indonesia *
Nasrulloh Ali Munif
Department of Economy, STAI Muhammadiyah Tulungagung, Indonesia

(*) Corresponding Author
Picture in here are illustration from public domain image or provided by the author, as part of their works
DOI: https://doi.org/10.21070/ijler.2019.V2.32
Published February 6, 2019
Keywords
  • legal protection,
  • e-money,
  • transactions,
  • legal status
How to Cite
Virdaus, S., & Munif, N. A. (2019). A Critical Review of Legal Protection Against E-Money Users in Indonesia. Indonesian Journal of Law and Economics Review, 2(2), 10.21070/ijler.2019.V2.32. https://doi.org/10.21070/ijler.2019.V2.32

Copyright (c) 2019 Saivol Firdaus, Nasrulloh Ali Munif

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This work is licensed under a Creative Commons Attribution 4.0 International License.

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Abstract

Protection of e-money users must be done based on the increasingly advanced science and technology. The formulation of the problems in this study are: (1) What is the legal provision regarding e-money as a means of payment in commercial transactions in Indonesia? (2) What is the legal protection of e-money users in conducting commercial transactions in Indonesia? The formulation of the problem was studied in depth using the normative juridical approach. The results of this study are: First, e-money is regulated in Bank Indonesia Regulation Number 10/8 / PBI / 2008 concerning Amendments to Bank Indonesia Regulation Number 7/52 / PBI / 2008 concerning the implementation of Card-Based Payment Instrument Activities. Bank Indonesia Regulation Number 16/8 / PBI / 2014 concerning Amendments to Bank Indonesia Regulation Number 11/12 / PBI / 2009 concerning Electronic Money (Electronic Money). E-money issuers as regulated in Article 1 paragraph (1) of Bank Indonesia Regulation Number 16/8 / PBI / 2014 are Banks and Non-Bank Institutions incorporated in the form of Limited Liability Companies (PT). While the legal status / relationship between the holders of electronic money with the issuer of e-money money is based on the contract of sale and purchase, which has been regulated in Article 1457 of the Civil Code. Second, legal protection for e-money users can be done in two ways, namely: Preventive Legal Protection and Repressive Legal Protection

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