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


View Article
  • 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

Creative Commons License

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

Crossref
Scopus
Google Scholar
Europe PMC

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

View Article

Downloads

Download data is not yet available.

Metrics

Metrics Loading ...

References

  1. Candrawati, Ni Nyoman Anita, “Perlindungan Hukum Bagi Pemegang Uang Elektronik Dalam Melakukan Transaksi E-money”, Tesis Program Pascasarjana, Denpasar: Universitas Udayana, 2013.
  2. Hariyani, Iswi, Restrukturisasi dan Penghapusan Kredit Macet, Jakarta: Elex Media Komputindo, 2010.
  3. Hartono, Sri Rejeki, Hukum Perlindungan Konsumen, Bandung, Madar Maju, 2000.
  4. HS, Salim, Hukum Kontrak Teori dan Penyusunan Kontrak,Jakarta: Sinar Grafika,2006.
  5. Ibrahim, Johanes, Kartu Kredit Dilematis Antara Kontrak dan Kejahatan, Bandung: Rafika Aditama, 2004.
  6. Pieris dan Wiwik Sri Widiarty, Negara Hukum dan Perlindungan Konsumen Terhadap Produk Pangan Kadaluwarsa, Jakarta: Pelangi Cendikia, 2007.
  7. Sakti, Nufransa Wira, Buku Pintar E-commerce, Jakarta, Transmedia Pustaka, 2014.
  8. Suparni, Niniek,CyberspacePeoblematika dan Antisipasi Pengaturannya, Jakarta: Sinar Grafika, 2009.
  9. Dharfan Aprianto dkk, Jurnal Perkembangan Uang Elektronik dan Kartu Kredit di Indonesia Priode 2007-2012,
  10. Peraturan Bank Indonesia Nomor 11/12/2009/PBI Tentang Uang Elektronik
  11. Peraturan Bank Indonesia Nomor 16/8/PBI/2014 tentang Perubahan Atas Peraturan Bank Indonesia Nomor 11/12/PBI/2009 tentang Uang Elektronik
  12. Peraturan OJK Nomor 1 Tahun 2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan
  13. Surat Ederan Bank Indonesia Nomor 11/11/DASP Tahun 2009 tentang Uang Elektreonik
  14. Undang-Undang Nomor 11 Tahun 2008 Tentang Informasi dan Transaksi Elektronik
  15. Undang-Uundang Nomor 8 tahun 1999 Tentang Perlindungan Konsumen