KAJIAN YURIDIS SOSIOLOGIS PENERAPAN FASILITAS INTERNET BANKING DALAM TRANSAKSI PEMBAYARAN PERBANKAN (Studi Di PT. Bank Negara Indonesia Cabang Malang

SATRIA, KRISNA (2007) KAJIAN YURIDIS SOSIOLOGIS PENERAPAN FASILITAS INTERNET BANKING DALAM TRANSAKSI PEMBAYARAN PERBANKAN (Studi Di PT. Bank Negara Indonesia Cabang Malang. Other thesis, University of Muhammadiyah Malang.

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Abstract

Growth of information technology and telecommunications in the world of banking push innovation in the world of banking in the service of especially realized payment service pass/through Internet Banking. Attendance of service of Internet Banking have offered a number of amenity and flexibilities in doing/conducting transaction, good among/between bank with his client, bank with client and bank with client. But that way, this amenity is not mean without owning risk, problems which often arise is to regarding/ hit high enough risk storey in transacting to pass/through Internet Banking, unhappily in Indonesia still there is no regulation and rule of law arranging special concerning Internet Banking, because of lack of arrangement of applying of facility of Internet Banking, generating sigh especially client as user/ wearer of this facility, like rule of law inexistence concerning the parties rights and obligation ( bank party/ side and clients), and also the parties responsibility and constrain. Besides transaction evidence appliances pass/through this facility there no manifestly, and also abuse causing loss by financial. In this final duty, writer lift two problems, first problems is to regarding/ hit mechanism applying of facility of Internet Banking by party/ side of PT. State Bank Indonesia ( BNI) to client in transaction payment of banking. both/ second Problems is to regarding/ hit effort solving of law if happened abuse of facility of Internet Banking BNI for the agenda of protection of bank client. Writer of this Final Duty utilize method of yuridis sociology to get needed by on is writer collect data with interview with Mother of Cici as Staff Bank of BNI Branch UMM. Pursuant to research and analysis, of mechanism applying of facility of Internet Banking by bank party/ side to client in transaction payment of banking that each;every service product of bank given by bank to client have to as according to Indonesia Bank of No: 7/6/PBI/2005 About Transparantion Informations Product and Usage Of Personal Data of Client. And Handbill of Indonesia Bank of No.6/18/Dpnp/2004 About Applying of Risk Management at Activities Service Activities Of Bank Through Internet ( Internet Banking). In every product of banking,;Every Bank have to submit information concerning bank product to client submitted in writing, either from clauses and also procedures usage of bank product to client as consumer of product of coherent benefit bank, at bank product, and coherent costs at bank product, and also there must be his of security system and risk management at service of Internet Banking. Candidate Client of Internet Banking will be given on to contract standard form which have been determined and have been poured in the form of contract by electronic ( digital) in bank website of BNI, previous have been drawn up party/ side by bank organizer of Internet Banking. Of effort solving of law in the event of abuse of facility of Internet Banking for the agenda of protection of bank client. In mechanism applying of Internet Banking entangling many many party/ sideses that is client consumer of Internet Banking, bank party/ side and third party. If abuse of Internet Banking come him of client party/ side of Internet Banking, client consumer of Internet Banking cannot file a bill to bank party/ side because bank client of Internet Banking do not do/conduct obligation as according to agreement of Internet Banking among/between bank with client consumer of Internet Banking mean bank party/ side do not do/conduct wan prestasi to client consumer of Internet Banking. If abuse of Internet Banking of third party, hence harmed party/ side can file a bill and also reply/ answer to harmed party/ side on the basis of deed contempt of court with reference of KUHP, Code/Law Copyrights, and Code/Law Telecommunications. If mistake or abuse of bank party/ side, hence client consumer of Internet Banking can raise solution effort done/conducted by bank party/ side as according to regulation of Indonesia Bank Number 7/7/PBI/2005 About Solution Of Denunciating of Client. But if dissatisfactory solution process of client party/ side consumer of Internet Banking, hence client consumer of Internet Banking can raise an demand and of answer of bank party/ side pursuant to rules in KUH civil, Code/Law Banking of No.10 Year 1999 and Code/Law Telecommunications of No.36 Year 1999. From the result, can know to regarding/ hit importantly of forming him an rule of law which peculiarly arrange concerning Internet Banking, so that/ to be creation an protection of law for client consumer of Internet Banking.

Item Type: Thesis (Other)
Subjects: K Law > K Law (General)
Divisions: Faculty of Law > Department of Law
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 26 Jun 2012 04:53
Last Modified: 26 Jun 2012 04:53
URI: http://eprints.umm.ac.id/id/eprint/9544

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