KLAUSULA BAKU PERJANJIAN KREDIT ANEKA GUNA BANK RIAU KEPRI DITINJAU DARI UNDANG-UNDANG NO. 8 TAHUN 1999

Martha Hasanah Rustam

Abstract


According to law number 8 of 1999 on Consumer Protection, raw clause is any rules or terms and conditions have been prepared in advance and set unilaterally by businessmen who poured in a documents and binding agreement/and must be filled by the consumer. Because the raw clause used in the credit agreements are unilateral where the bank that determines the content of the clause while the customer had no choice to change it because of the position of the customer in a weak position. This Research method using normative. From this research it can be concluded that there is a position that is not balanced between the banks as creditors with the customer as debtor and Credit Agreement Assorted raw clause in order to Bank Riau Kepri still contrary to the provisions of article 18 law number 8 of 1999 on Consumer protection.

Keywords : The Raw Clause, Bank Credit Agreement


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References


A. Buku

Celina Tri Siwi Kristiyanti, 2008, Hukum perlindungan Konsumen, Sinar Grafika, Malang.

Endang Purwaningsih, 2010, Hukum Bisnis, Ghalia Indonesia, Bogor.

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B. Hasil Penelitian/Tugas Akhir

Skripsi Muhammad Ikhsan, 2008, Analisis Yuridis Pencantuman Klausula Baku dalam Perjanjian Kredit Perbankan Ditinjau dari Undang-Undang Nomor 8 tahun 1999 tentang Perlindungan Konsumen : Studi Perjanjian Kredit PT. Bank X, Universitas Indonesia.

C. Internet

https://www.bankriaukepri.co.id

D. Peraturan Perundang-Undangan

Kitab Undang-undang Hukum Perdata.

Undang-Undang Nomor Tahun 1992 jo Undang-undang 10 Tahun 1998 tentang Perbankan (Lembaran Negara tahun 1992 Nomor 31, Tambahan Lembaran Negara Nomor 34721).

Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen (Lembaran Negara Republik Indonesia Tahun 1999 No. 42) Tanggal 20 April 1999.




DOI: http://dx.doi.org/10.30652/rlj.v2i1.4938

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