Legal Protection for Customer Funds Against False Accounting by the President Director of PT. BPR Kuda Mas Sentosa (Case Study Decision Number: 457/PID/2019/PT SBY)
DOI:
https://doi.org/10.61194/law.v1i2.76Keywords:
False Recording, Bank's ResponsibilityAbstract
Banks, as financial institutions, function as both aggregators and distributors of funds from the public. In the interest of security, people often opt to deposit their money in banks. Various banking products are offered, including current accounts, fixed deposits, certificates of deposit, and savings accounts. However, banks sometimes commit violations that result in losses for their customers. The relationship between banks and customers is based on contractual agreements. This research is conducted due to cases involving the disappearance of customer savings within PT. BPR KUDA MAS SENTOSA in Porong, Sidoarjo, involving internal bank actors. Banking laws do not explicitly address the bank's responsibility when it acts beyond its authority. It is essential for banks, as parties with a relationship between them and customers, to provide legal protection for customers. This study falls under normative legal research, using primary, secondary, and tertiary legal materials collected through literature review. Qualitative analysis is employed, focusing on legal regulations and case studies, examining how these norms are applied in banking practices. The findings reveal that banks, being institutions trusted by the public, must be held accountable for the loss of customer savings, as failing to do so erodes the trust placed in them by the public. Customers are entitled to legal protection, which banks must provide as part of their responsibilities.
References
Davies, H. (2017). The well-being of future generations (Wales) act 2015-a step change in the legal protection of the interests of future generations? Journal of Environmental Law, 29(1), 165–175. https://doi.org/10.1093/jel/eqx003
Helmi, H., Hafrida, H., Fitria, F., & Najwan, J. (2019). Documenting legal protection of indigenous forests in realizing indigenous legal community rights in Jambi Province. Library Philosophy and Practice, 2019. https://www.scopus.com/inward/record.uri?eid=2-s2.0-85072802844&partnerID=40&md5=19ebf070776b08a564d066e99e9b3c50
Pasjaqa, A., & Prekazi, Y. (2023). PROMOTION, ENCOURAGEMENT AND LEGAL PROTECTION OF FOREIGN INVESTMENTS IN THE DEVELOPING COUNTRY. Journal of Governance and Regulation, 12(3), 34–41. https://doi.org/10.22495/jgrv12i3art4
Purwaningsih, E. (2019). Empowerment model of micro, small, and medium enterprises (Msmes) village tourism business in e-commerce transactions and legal protection. Journal of Advanced Research in Law and Economics, 10(3), 876–885. https://doi.org/10.14505/jarle.v10.3(41).24
Ruslana, M., Kyrychenko, Y. V, & Smoliarova, M. L. (2020). Right to health protection in the former-soviet constitutions: Constitutional and legal analysis. Indian Journal of Forensic Medicine and Toxicology, 14(4), 7908–7913. https://doi.org/10.37506/ijfmt.v14i4.12895
Víg, Z. (2018). The importance of foreign direct investments and instruments for their protection. Hungarian Journal of Legal Studies, 59(4), 443–452. https://doi.org/10.1556/2052.2018.59.4.8
Fajar, Mukti, & Achmad, Yulianto, (2017), Dualisme Penelitian Hukum Normatif dan Empiris, Yogyakarta, Pustaka Pelajar.
Hermansyah, (2005), Hukum Perbankan Nasional Indonesia, Jakarta, Kencana Prenada Media Group.
Hiariej, Eddy O.S, (2016) Prinsip - Prinsip Hukum Pidana, First Edition, Yogyakarta: Cahaya Atma Pustaka.
Maramis, Frans, (2012), Hukum Pidana Umum dan Tertulis di Indonesia, Jakarta, Raja Grafindo Persada.
Marzuki, Peter Mahmud, (2010), Penelitian Hukum, Jakarta, Kencana.
Pramono, Nindyo, in Usanti, Trisadini P. & Shomad, Abd., (2016), Hukum Perbankan, Jakarta, Kencana Pramedia Group.
Prasetyo, Teguh, (2016), Hukum Pidana, Jakarta, Rajawali Pers.
R. Soeroso, (2013), Pengantar Ilmu Hukum, Jakarta, Sinar Grafika.
Rianto, Agus, (2016), Tindak Pidana dan Pertanggungjawaban Pidana: Tinjauan Kritis Melalui Konsistensi Antara Asas, Teori, dan Penerapannya, Jakarta, Kencana.
Saleh, Roeslan, (2012), Pikiran-Pikiran Tentang Pertanggung Jawaban Pidana, Jakarta, Ghalia Indonesia.
Sihombing, Jonker, (2010), Penjaminan Simpanan Nasabah Perbankan, Bandung, PT. Alumni.
Soekanto, Soerjono, & Mahmudji, Sri, (2003), Penelitian Hukum Normatif, Suatu Tinjauan Singkat, Jakarta, Raja Grafindo Persada.
W, Emy Rosna & Fatah, Abdul, (2020), Hukum Pidana, First Edition, Jawa Timur Sidoarjo, UMSIDA PRESS.
Armita, Jihan, Nur Azisa, & Paserangi, Hasbir, (2021) “Pembobolan Saldo Rekening Nasabah Bank dengan Cara Pemalsuan Identitas,” Indonesia Journal of Criminal Law.
Eddy, M. Arief, (2002), Politik Hukum Pidana Dalam Perlindungan Korban Kejahatan Ekonomi di Bidang Perbankan, Jurnal Hukum Fak. Hukum UII, Vol 9, No. 21.
Farida, Hana, (2018), Jenis-Jenis Pidana Perbankan dan Perbandingan Undang-Undang Perbankan, Jurnal hukum POSITUM, Vol. 3 No. 2.
M.S, Almujaddedi, & R., Hayati, (2022). Determinan Indikator Fraud Diamond terhadap Internal Fraud pada Bank Umum Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 8(3).
Thomas, Joice Irma Runtu, (2013), Pertanggung Jawaban BankTterhadap Hak Nasabah Yang Dirugikan dalam Pembobolan Rekening Nasabah, Lex et Societatis, 1(1).
