Perlindungan hukum Bank terhadap kejahatan kartu kredit :: Studi kasus pada Bank Central Asia Card Center di Daerah Istimewa Yogyakarta

FIRMANINGSIH, Christina Martha, Prof.Dr. Nindyo Pramono, SH.,MS

2006 | Tesis | S2 Ilmu Hukum (Magister Hukum Bisnis)

Penelitian yang berjudul “Perlindungan Hukum Bagi Bank Terhadap Kejahatan Kartu Kredit” (studi kasus pada Bank Central Asia Card Center di Daerah Istimewa Yogyakarta) ini bersifat deskriptif analitis dan dilakukan dengan pendekatan secara yuridis normatif. Penelitian ini bertujuan untuk mengetahui bagaimana perlindungan hukum yang diberikan kepada bank terhadap kejahatan kartu kredit. Penelitian dilakukan di BCA Card Center, Jalan Jenderal Sudirman Yogyakarta dan Pengadilan Negeri Sleman, Yogyakarta, dengan subyek penelitian Deputy Manager BCA Card Center Yogyakarta dan karyawan BCA Card Center Yogyakarta yang menangani kasus kejahatan kartu kredit di BCA Card Center Yogyakarta. Hasil penelitian menunjukkan bahwa selama ini perlindungan hukum yang diberikan kepada bank, dalam hal ini BCA Card Center Yogyakarta terhadap kasus-kasus kejahatan kartu kredit sudah ada tetapi belum sepenuhnya terlaksana. Hal ini disebabkan karena belum adanya kepastian hukum yaitu peraturan perundang-undangan yang mengatur secara khusus tentang kartu kredit, sanksi yang diberikan kepada pelaku kejahatan kartu kredit masih tergolong ringan dan kurangnya kerjasama antara berbagai pihak yang terkait, seperti pihak penerbit kartu kredit (bank), penegak hukum, merchant, dan Asosiasi Kartu Kredit Indonesia (AKKI).

Research entitled Legal Protection of Bank Against Credit Card Crimes (Case Study on Central Asia Bank Card Centre in Yogyakarta Special Province) was descriptive analytics in nature and was aimed at discovering how legal protections were granted to banks against credit card crimes. The research was conducted at BCA Card Center, Sudirman Street of Yogyakarta and State Court of Sleman Yogyakarta taking examples of Deputy Manager BCA Card Center Yogyakarta and empoyees of BCA Card Center Yogyakarta who handled credit card crimes at BCA Card Center Yogyakarta. The result of research revealed that to date the legal protection granted to bank, specifically BCA Card Center Yogyakarta against credit card crimes there was but not yet fully implement. It was caused by the uncertainty regarding regulations, that is laws which specifically governed credit cards. Sanctions imposed to criminal were considered lenient and there was lack of cooperation among related parties, such as bank which issued credit cards, law enforcers, merchant and Assosiasi Kartu Kredit Indonesia (Indonesian Credit Card Association)

Kata Kunci : Hukum Dalam Bisnis,Perlindungan Hukum Bank,Kejahatan Kartu Kredit, legal protection for bank, credit card crimes.