Pertanggungjawaban Bank Terhadap Kesalahan dan/atau Kelalaian Pegawai Bank Yang Menyebabkan Kerugian Pada Nasabah (Kasus Perkara Antara Koperasi Simpan Pinjam Purnama vs PT Bank Rakyat Indonesia Tbk Cabang Yogyakarta Cik Ditiro)

TESSA AMELIA, Dr. Veri Antoni, S.H., M. Hum.

2023 | Tesis | MAGISTER HUKUM BISNIS DAN KENEGARAAN

Penelitian bertujuan untuk mengetahui dan pertanggungjawaban bank terhadap kesalahan dana atau kelalain pegawai bank yang menyebabkan kerugian pada nasabah (Kasus Perkara Antara Koperasi Simpan Pinjam Purnama vs PT Bank Rakyat Indonesia Tbk Cabang Yogyakarta Cik Ditiro) dan perlindungan nasabah bank peyimpan dana terhadap kesalahan atau kelalaian bank. Penelitian ini merupakan penelitian hukum normatif. Penelitian hukum normatif dilakukan melalui penelitian kepustakaan untuk mengumpulkan dan mendapatkan data sekunder, yaitu segala informasi, keterangan dan penjelasan dari bahan-bahan bacaan dan kepustakaan. Data yang diperoleh dari penelitian kepustakaan dianalisis secara kualitatif. Hasil analisis disajikan dengan deskriptif. Hasil penelitian menunjukan bahwa Tanggung jawab bank terhadap kesalahan dana atau kelalain pegawai bank pada kasus KSP Purnama dan PT BRI Tbk Cabang Yogyakarta Cik Ditiro, dapat dimintakan secara perdata dan pidana. Dari kasus tersebut, bank secara tidak langsung menyetujui adanya pencairan atau penarikan dana nasabah, maka dari itu tanggung jawab dapat dikategorikan sebagai tanggung jawab bank secara perusahaan sesuai ketentuan Pasal 1365 KUHPerdata. Pasal 19 Undang-Undang Perlindungan Konsumen, Pasal 29 Undang-Undang Perbankan, POJK No. 1/POJK.07/2013. Pada kasus ini, bank tersebut telah gagal dimintakan tanggung jawab secara perdata, berdasarkan putusan dengan nomor 161/Pdt.G/2019/PN.Yyk. Perlindungan nasabah bank penyimpan dana terhadap kesalahan atau kelalaian bank, perlindungan hukum preventif yang diberikan oleh pemerintah kepada nasabah perbankan dalam bentuk pencegahan terjadinya pelanggaran. Perlindungan hukum represif sebagai upaya penyelesaian sengketa bank dan nasabah. Proses penyelesaian sengketa dapat dilakukan melalui beberapa mekanisme, diantaranya mekanisme litigasi (menempuh jalur gugatan ke badan peradilan) dan mekanisme non litigasi (tanpa menempuh jalur pengadilan). Untuk non litigasi, perbankan memiliki mekanisme sendiri yaitu mediasi perbankan, diatur dalam PBI No.10/1/PBI/2008 tentang Mediasi Perbankan.

This study aims to determine and account for the bank's responsibility for funds errors or negligence of bank employees that cause losses to customers (Case Case Between the Purnama Savings and Loans Cooperative vs. PT Bank Rakyat Indonesia Tbk Yogyakarta Branch Cik Ditiro) and protection of bank customers who deposit funds against errors or bank negligence. This research is a normative legal research. Normative legal research is carried out through library research to collect and obtain secondary data, namely all information, descriptions and explanations from reading materials and literature. Data obtained from library research were analyzed qualitatively. The results of the analysis are presented descriptively. The results showed that The responsibility of the bank for funds errors or negligence of bank employees in the case of KSP Purnama and PT BRI Tbk Yogyakarta Branch Cik Ditiro, can be requested in a civil and criminal manner. From this case, the bank indirectly approves the disbursement or withdrawal of customer funds, therefore the responsibility can be categorized as the responsibility of the bank as a company according to the provisions of Article 1365 of the Civil Code, POJK No. 1/POJK.07/2013. Protection of depositing bank customers against bank errors or omissions, preventive legal protection provided by the government to banking customers in the form of preventing violations. Repressive legal protection as an effort to resolve bank and customer disputes. The dispute resolution process can be carried out through several mechanisms, including the litigation mechanism (taking the lawsuit to the judiciary) and the non-litigation mechanism (without taking the court route). For non-litigation, banks have their own mechanism, namely banking mediation, regulated in PBI No.10/1/PBI/2008 concerning Banking Mediation. including the litigation mechanism (taking the lawsuit to the judiciary) and the non-litigation mechanism (without taking the court route). For non-litigation, banks have their own mechanism, namely banking mediation, regulated in PBI No.10/1/PBI/2008 concerning Banking Mediation. including the litigation mechanism (taking the lawsuit to the judiciary) and the non-litigation mechanism (without taking the court route). For non-litigation, banks have their own mechanism, namely banking mediation.

Kata Kunci : Kelalaian, Tanggung Jawab Bank, Perlindungan Hukum Konsumen