PERLINDUNGAN NASABAH PENGGUNA KARTU ATM DI PT. BANK RAKYAT INDONESIA (PERSERO).Tbk.

Arthaleza, Vendrio (2006) PERLINDUNGAN NASABAH PENGGUNA KARTU ATM DI PT. BANK RAKYAT INDONESIA (PERSERO).Tbk. S2 thesis, UAJY.

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Abstract

When someone open bank account at PT. Bank Rakyat Indonesia (Persero) Tbk, which called as consumer, he was given an offer if he was prepared to open ATM card as supporting transaction activity in ATM machine (Self Help Cash Platform). ATM card which given to consumer have various function, among other as means to puling cash, balance information, and as means to make purchasing transaction or paying a claim through the available ATM. The research has aimed to analyze the Consumer Protection toward a bank, especially the consumer from PT Bank Rakyat Indonesia (Persero) Tbk that experience a complaint on the system using electronic that is making transaction through ATM. Since being effective the Indonesia Bank Regulation, Number :7/7/PBI/2005 on complaint settlement from consumer that continued by Central Office of Bank Rakyat Indonesia with issuing letter from BRI Bank Director number : B.534-OPS/POP/09/2005 date September 9th 2005 about Instruction on implementation of consumer complaint settlement and being related to Law Number 8, 1999 on the Consumer Protection of State Sheet of RI 1999 Number 42. Using Normative Law research found that in practice the settlement of its consumer complaint was still too long being settled, can not fulfill what expected from being effective the Indonesia Bank Regulation on Complaint Settlement from its consumer. It is expected that Indonesia Bank did not underestimate the complaint from its consumer, so that the consumer felt the problem they complained was responded quickly and being settled efficient and effectively, so it's created the consumer confidence to ban and the consumer more felt dependent on the bank. The result has purposed to analysis performed by PT Bank Rakyat Indonesia on settling its consumer complaint, procedures that can be taken to settle the complaint, and found that the consumer did not take various effort in the available law choice since of the various constraints encountered, that is, the consumer which were not understood toward Indonesia Bank Regulation, its expensive to propose the indictment as civil case, or no courage to propose the indictment in civil case since has negative opinion to the existing law upholder apparatus.

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