A Critical Review of Legal Protection Against E-Money Users in Indonesia
Ulasan Kritis Perlindungan Hukum Terhadap Pengguna E-Money di Indonesia
-
(1) * Saivol Virdaus
Faculty of Law, Universitas Islam Kadiri
Indonesia
(2) Nasrulloh Ali Munif Department of Economy, STAI Muhammadiyah Tulungagung
Indonesia
(*) Corresponding Author
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
Downloads
Metrics
References
Candrawati, Ni Nyoman Anita, “Perlindungan Hukum Bagi Pemegang Uang Elektronik Dalam Melakukan Transaksi E-money”, Tesis Program Pascasarjana, Denpasar: Universitas Udayana, 2013.
Hariyani, Iswi, Restrukturisasi dan Penghapusan Kredit Macet, Jakarta: Elex Media Komputindo, 2010.
Hartono, Sri Rejeki, Hukum Perlindungan Konsumen, Bandung, Madar Maju, 2000.
HS, Salim, Hukum Kontrak Teori dan Penyusunan Kontrak,Jakarta: Sinar Grafika,2006.
Ibrahim, Johanes, Kartu Kredit Dilematis Antara Kontrak dan Kejahatan, Bandung: Rafika Aditama, 2004.
Pieris dan Wiwik Sri Widiarty, Negara Hukum dan Perlindungan Konsumen Terhadap Produk Pangan Kadaluwarsa, Jakarta: Pelangi Cendikia, 2007.
Sakti, Nufransa Wira, Buku Pintar E-commerce, Jakarta, Transmedia Pustaka, 2014.
Suparni, Niniek,CyberspacePeoblematika dan Antisipasi Pengaturannya, Jakarta: Sinar Grafika, 2009.
Dharfan Aprianto dkk, Jurnal Perkembangan Uang Elektronik dan Kartu Kredit di Indonesia Priode 2007-2012,
Peraturan Bank Indonesia Nomor 11/12/2009/PBI Tentang Uang Elektronik
Peraturan Bank Indonesia Nomor 16/8/PBI/2014 tentang Perubahan Atas Peraturan Bank Indonesia Nomor 11/12/PBI/2009 tentang Uang Elektronik
Peraturan OJK Nomor 1 Tahun 2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan
Surat Ederan Bank Indonesia Nomor 11/11/DASP Tahun 2009 tentang Uang Elektreonik
Undang-Undang Nomor 11 Tahun 2008 Tentang Informasi dan Transaksi Elektronik
Undang-Uundang Nomor 8 tahun 1999 Tentang Perlindungan Konsumen
Copyright (c) 2019 Saivol Firdaus, Nasrulloh Ali Munif
This work is licensed under a Creative Commons Attribution 4.0 International License.
