ASPEK HUKUM CREDIT CARD SEBAGAI ALAT PEMBAYARAN

Abstract

The use of credit card as a medium of payment is much preferred by community because it can be used as a medium of payment, which is more effective, more efficient, and able to provide lots of ease. The credit card used as a medium of payment has been well known since several years ago- yet, up to the present, there have not been any certain laws specifically used to regulate the existence of the credit card. As a result, there occur many problems around the existence of credit card. Based on the explanation above, the researcher was interested to conduct a research on the legal aspects of credit card as a medium of payment. The problems acussed in this research were the execution of control toward companies/banks publishing the credit card as a medium of payment in Indonesia, the legal relations among parties involved in the process of administering the credit card as a medium of payment, and the law protection for the parties involved in an agreement of credit card as a medium of payment. To find out answers for the mentioned problems, the researcher conducted normative research as to obtain possibly complete information and data. To obtain the secondary data, the researcher conducted library inventory toward normative law research, and the secondary data were supported with the primary data obtained from the field and analyzed with a qualitative data analysis method. Based on the data collected and analyzed, the execution of control toward companies/banks publishing the credit card as a medium of payment has been identified. Based on the available data, the judicial review can be applied, and some legal aspects covering the credit card publication can be identified such as Civil Law Aspect (Out of Civil Code), Public Law Aspect, and Finance Company Law Aspect. In terms of the legal relations among the parties in the process of administering the credit card as a medium of payment, the civil law aspect has been applied (Civil Code), meaning that the legal aspects of agreement in general are in effect. Meanwhile, in order to give the law protection for the parties involved in the process of agreement implementation of the credit card as a medium of payment, the legal aspects applied are Public Law Aspect and Consumer Protection Law Aspect. Besides, there are some regulations-specifically made by the parties in the agreement document. Penggunaan credit card (kartu kredit) sebagai alat pembayaran banyak dipilih oleh sebagian besar masyarakat, karena credit card dapat berfungsi sebagai gat pembayaran pengganti uang Mimi, yang lebih efektif, efisien, serta mampu memberikan berbagai kemuciallan. Credit card (kartu kredit) sebagai alat pe:mbayaran di Indonesia telah dikenal sejak beberapa tat= yang lalu, nanum sampai scat ini belum ada peraturan hukum yang secara khusus mengattunya, sehingga banyak perma. salahan seputar credit card (kartu kredit) yang timbal.. mengingat belum adanya peraturan-peraturan yang secara khusus mengaturnya, maka penulis tertarik untuk meneliti tentang aspek Hukum Credit Card Sebagai Alat Pembayaran. Permasalahan yang menjadi pembahasan dalam penelitian ini adalan Operasionalisasi Pengaturan Perusahaan Penerbit Credit Card/ Bank Sebagai Alat Pembayaran di I-j:donesia, Hubungan Hukum Pan Pihak Dalarn. Proses Penyelenggaraan Credit Card Sebagai Alat Pembayaran, Perlindungan Hukum Bagi Para Pihak Yang Terlibat Dalam Perjanjian Credit Card Sebagai Alat Pcinbayaran. Untuk memperoleh jawaban clan perniasalahan yang ada, penulis melakukan penelitian normatif guna memperoleh data dan informasi selengicap mungkin. Untuk memperoleh data sekunder, penulis mengetdakan inventarisasi keptistakaan dalam penelitian hukum nornmtif, dan data sekunder ini ditunjang dengan data primer yang diperoleh da_ri lapangan, kemudian dianalisis dengan metode analisis data kualitatif. • Berdasarkan data yang telah terkumpul dan telah dianalisis, maka dapat diketahui mengenai Operasionalisasi Pengaturan Perusahaan Penerbit Credit Card / Bank Sebagai Alal Penabayaran. Dart data yang ada, dapat dilakttican tinjauan secara parkas dan didapat beberapa aspek hulcuin yang melingkupiny a yaitu Aspek Hukum Perdata (diluar Kitab Undartg-undang Hukum Perdata), Aspek Hukum Publik, dan Aspek Huktun Lembaga Pembiayaan. Mengenai Hubungan Hukum Para Pihak Dalam Proses Penyelenggaraan Credit Card Sebagai. Alat Penabayanm, belaku Aspek Hukum Perdata (Kitab Unclang-undang Hukum Perdata) yaitu berl.akunya ketentuan-ketentuan hukam perjanjian path iummannya. Sedangkan mengenai Perlindungan Hukum Bagi Para Pihak. Dalam Proses Pelaksanan Perjanjian Credit Card, untuk ird berlakulah beberapa aspek hulatm yaitu Aspek Hukwn Publik, dan Aspek Hukum Perlindungan Konsuinen, selain itti juga ada peraturan yang secara 'clausal& dibuat pan pihak dalam dokumen perjanjian.