PELAKSANAAN PERATURAN RAHASIA BANK MENURUT UNDANG-UNDANG NOMOR 10 TAHUN 1998 DI INDONESIA

Abstract

A Bank of Secret are everything related with information about customers and their savings. People will entrust their fund to bank or using bank services if they are protected by explanations about customer's identity such as : name address, account number of depositor and the savings. Related to that matter, the subject to be examined is "The Implementation of Bank of Secret Regulation According to Law Number 10, 1998 in Indonesia". Because of an argumentation states that bank of secret are still covered from public and it can be used to hide a corruption that is done by certain sides. In the other hand, bank of secret is one of the factors that should be owned by a bank as the organization that manages people's saving. This research applies Yuridical Empirical approach. This rriethod is conducted to gain the truth in discussing the problems and watching the implementation of regulation in society. Based on the result of research, the Implementation of Bank of Secret in Indonesia is public obligation according to Law Number 10, 1998. If public and bank wish for, the secret of bank can be opened based on the exceptions that have been determined in Law Number 10, 1998 and the regulation of Bank of Indonesia Number 31/82/Kep. Dir, dated on December 3V1, 1998 that has been renewed with the regulation of The Bank of Indonesia No. 2/19/PBI/2000, regarding on the requirement and the Regulation of giving order or written permit of socializing Bank of Secret. Bank of Secret is universal, because it is implemented in all countries based on its privacy philosophy and the arrangement of Bank of Secret can be conducted according to civil obligation or public obligation or even both of them, based on each country's Banking Regulation. Rahasia bank adalah segala sesuatu yang berhubungan dengan keterangan mengenai nasabah penyimpan dan simpanannya. Masyarakat akan mempercayalcan dananya pada bank atau memanfaatkan jasa bank apabila dilindungi keterangan mengenai identitas nasabah seperti ; nama, alamat dan nomor rekening penyimpan pada suatu bank dan simpanannya. Berkaitan dengan hal tersebut, yang diteliti adalah "Pelaksanaan Peraturan Rahasia Bank Menurut Undang-Undang No. 10 Tahun 1998 di Indonesia". Karelia adanya argumentasi bahwa rahasia bank tnasih tertutup rapat, dapat digunakan untuk menutupi kecurangan seiama ini yang dilakukan oleic pihak-pihak tertentu. Disisi lain, rahasia bank merupakan salah satu unsur yang hams dimiliki bank sebagai lembaga kepercayaan yang mengelola dana masyarakat. Penelitian ini menggunakan pendekatan yuridis empiris. Metode ini dilakukan untuk mendapatkan kebenaran dalam pembahasan permasalahan yang ada serta untuk melihat penerapan suatu aturan hukum claim masyarakat. Berdasarkan hasil penelitian, pelaksanaan peraturan rahasia bank di Indonesia merupakan kewajiban publik berdasarkan Undang-Undang Nomor 10 Tatum 1998 dan Peraturan Bank Indonesia Nomor 2/19/PB1/2000, tentang "Persyaratan Dan Tata Cara Pemberian Perintah Atau Izin Tertulis Membuka Rahasia Bank". Rahasia Bank bersifat universal karena hal tersebut berlaku di semua negara berlandaskan falsafah personal privacy, dan pengaturan rahasia bank, ada yang bersifat kewajiban perdata atau kewajiban publik dan ada yang berdasarkan kedua hukum tersebut, sesuai dengan ketentuan perbankan masing-masing negara.