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"ABSTRAKSkrispi ini membahas mengenai regulasi pemasaran produk perbankan melalui sarana komunikasi pribadi dan penerapannya pada Bank X. Hal ini dihubungkan dengan perlindungan hukum nasabah Bank X khusus pada penggunaan data pribadi nasabah dan penggunaan pihak ketiga dalam kegiatan tersebut. Jenis penelitian yang digunakan adalah yuridis normatif dengan metode penelitian kualitatif. Hasil penelitian menunjukan bahwa regulasi pemasaran produk perbankan melalui sarana komunikasi pribadi telah diterbitkan oleh Bank Indonesia dan dilengkapi oleh Otoritas Jasa Keuangan. Bank X belum menerapkan keseluruhan regulasi tersebut. Nasabah Bank X dilindungi denganadanya mekanisme persetujuan penggunaan data pribadi nasabah dan perjanjian kerjasama pihak ketiga dalam kegiatan pemasaran produk dan jasa Bank X.

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ABSTRACTThis research focuses on regulation of bank product’s marketing through personal communication medium and its implementation on X Bank. It is related to legal protection of X Bank’s customers specifically on the usage of personal data and third party’s involvement. This research will use normative juridical method and will be elaborated qualitatively. The result of this research shows that the regulations of bank’s marketing product through personal communication hasbeen issued by Bank of Indonesia and has been supervised by Financial Service Authority. X Bank has not implemented all of the regulations. X Bank’s customers are protected by the agreement of authorized access to customer’s personal data and the agreement with the third party’s involvement in X Bank’s product and service marketing process."

"Penelitian ini bertujuan untuk menilai tingkat kecukupan perlindungan hukum yang diberikan bagi nasabah branchless banking di Indonesia. Dengan keberadaan branchless banking, nasabah bank konvensional dapat mengakses layanan bank melalui agen dalam bentuk kantor pos, minimarket, atau individu yang memiliki badan usaha. Peraturan Bank Indonesia No. 16/8/PBI/2014 tentang Uang Elektronik dan Peraturan Otoritas Jasa Keuangan No. 19/POJK.03/2014 tentang Layanan Keuangan Tanpa Kantor Dalam Rangka Keuangan Inklusif telah memberikan landasan untuk operasi branchless banking di Indonesia melalui agen individu. Dengan membandingkan peraturan sekaligus operasi branchless banking di tiga negara lain yakni Kenya, Brazil dan India, telah ditemukan bahwa perlindungan hukum yang diberikan untuk nasabah branchless banking di Indonesia saat ini kurang harmonis dan bisa lebih spesifik dan terperinci.

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This research aims to assess the adequacy of the legal protection given to customers of branchless banking operation in Indonesia. With the existence of branchless banking operation, customers of conventional banks can access the services of a bank through agents in the form of post offices, minimarkets, or even individuals owning a business entity. Bank Indonesia Regulation No. 16/8/PBI/2014 on Electronic Money and Financial Services Authority (OJK) Regulation No. 19/POJK.03/2014 concerning Financial Service Without Office in the Framework of Financial Inclusion have provided the basis of branchless banking operation through the use of individual agents. With comparison to regulations as well as operations of branchless banking in three other countries including Kenya, Brazil, and India, it is found that the legal protection given to customers of branchless banking in Indonesia currently lacks synchronization and could be more specific and detailed."

"Branchless Banking merupakan suatu konsep upaya pemberian jasa atau layanan perbankan, yang dilakukan tanpa melalui kantor bank namun menggunakan sarana teknologi dan/atau agen. Berbeda dengan negara-negara lain seperti Brazil dan Pakistan, Indonesia mewujudkan kegiatan Branchless Banking ini dalam dua bentuk, yaitu Layanan Keuangan Digital dan Laku Pandai. Dalam kegiatan ini, perlindungan bank dan nasabah juga menjadi isu yang penting, mengingat adanya risiko-risko bagi bank dan nasabah. Untuk itu, skripsi ini membahas mengenai perlindungan hukum kepada pihak bank dan nasabah dalam kegiatan Branchless Banking di Bank X, serta perbandingan pengaturannya antara Indonesia, Brazil dan Pakistan. Penelitian dari skripsi ini merupakan penelitian kepustakaan yang menghasilkan tipologi penelitian deskriptif.Hasil dari penelitian ini menemukan bahwa terdapat perbedaan dari segi fungsi layanan antara Layanan Keuangan Digital dengan Laku Pandai, di mana Layanan Keuangan Digital berfungsi sebagai sistem pembayaran, dan Laku Pandai berfungsi sebagai intermediasi keuangan. Dalam hal perbedaan dengan Brazil dan Pakistan, perbedaan sistem perbankan dan landasan hukum menyebabkan perbedaan operasional Branchless Banking. Hasil penelitian ini juga menemukan dalam hal upaya Bank X untuk melindungi dirinya dari risiko dalam kegiatan Branchless Banking, Bank X menerapkan prinsip kehati-hatian dalam penyelenggaraannya, antara lain: Manajemen Risiko dalam penggunaan Agen, kebijakan Anti Pencucian Uang, Manajemen Risiko dalam pengunaan Teknologi Informasi, serta pengawasan dan pelaporan. Sementara upaya Bank X untuk melindungi nasabahnya, Bank X menerapkan beberapa aspek, antara lain: kebijakan perlindungan konsumen, keterbukaan infomasi dan edukasi nasabah, penyelesaian pengaduan nasabah dan keamanan dalam transaksi secara elektronik.

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Branchless Banking is a concept of delivering banking services, not by conventional branch office but through the usage of technology and/or third party agents. Unlike in other countries like Brazil and Pakistan, Indonesia has actualized its branchless banking activities in two forms, which are Digital Financial Service and Laku Pandai. In this activity, bank and customer protections is a key issue, regarding to the risks exposed to banks and customers. Therefore, this thesis discusses the legal protection to banks and consumers in the Branchless Banking activities of Bank X, and the regulation comparison between Indonesia, Brazil and Pakistan. The research type of this thesis is literature research, hence the typology of this research is descriptive.The results of this research shows that there are functional differences between the Digital Financial Service and Laku Pandai, whereas the Digital Financial Service functions as a payment system, while the Laku Pandai functions as a financial intermediary. Regarding to the difference with Brazil and Pakistan, financial system and legal basis difference results in the operational difference of Branchless Banking. The results also show that in the effort of Bank X to protect itself from Branchless Banking risks, Bank X implements the prudential principles on its operations, which includes: agent usage risk management, anti-money laundering policy, information and technology risk management, and also surveillance and reporting. Meanwhile, in the effort of Bank X to protect its customers, Bank X implements several aspects, including: consumer protection policy, information disclosure and consumer education, complain handling, and also electronic transaction security."

"Krisis keuangan Asia di tahun 1997-1998 dan Krisis keuangan global di tahun 2007-2009 telah menunjukkan bahwa kegagalan bank adalah sebuah ancaman umum baik di negara yang sudah dan sedang berkembang. Ratusan institusi pemberi pinjaman telah gagal sejak terjadinya kedua krisis tersebut. Satu pelajaran dari kedua krisis keuangan ini adalah dibutuhkannya regulasi sistemik yang lebih efektif. Tujuan dari penelitian ini adalah untuk menggambarkan dan membandingkan bagaimana proses reformasi hukum perbankan di Indonesia dan Korea Selatan terlaksanakan, pasca krisis keuangan 1997/98. Penelitian ini menelaah berbagai kesamaan, perbedaan dan aplikasi atas berbagai peraturan dan hukum perbankan baru, dengan tujuan untuk memperbaiki permasalahan yang ada di sistem perbankan nasional di kedua negara tersebut, dengan menggunakan beberapa studi kasus ilustratif beberapa bank yang gagal di kedua negara tersebut pasca krisis 1997/98. Beberapa perbaikan dan dampak atas beberapa peraturan dan hukum perbankan yang diperkenalkan di Indonesia dan Korea Selatan pasca krisis 1997/98 akan di teliti dan akan juga dibahas peraturan dan hukum perbankan apa saja yang pada saat ini sedang di bangun dikedua negara tersebut, agar dapat mengadaptasi kepada lingkungan luar yang selalu berubah-ubah.

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The Asian financial crisis of 1997-1998 and recent Global Financial Crisis of 2007–2009 has shown that bank failures are a common threat in both developed and emerging economies. Hundreds of lenders have failed since the onset of both crises. One lesson from both financial crises is the need for more effective systemic regulation. The aim of this research is to describe and compare how the reformation process of banking laws in Indonesia and South Korea took place, post the 1997/98 financial crisis.

The research analysed any similarities, differences, and application of those new banking laws and regulations, in order to improve both countries’ domestic banking system issues, using several illustrative case studies of failed banks in both countries post 1997/98 crisis. Any improvements and effects of Indonesian and South Korean banking laws introduced post 1997/98 crisis will be investigated and also discuss what current banking laws are currently being developed in both countries, in order to adapt to the constantly changing external environment."

"Sebagai usaha untuk meningkatkan perekonomian nasional, diharapkan Devisa Hasil Ekspor dikelola oleh perbankan nasional menggunakan kegiatan trust, yang juga tidak menutup kemungkinan untuk mengelola harta non Devisa Hasil Ekspor. Namun, dalam melakukan kegiatan trust ini ada terdapat berbagai risiko sehingga bank harus bertindak penuh kehati-hatian. Untuk itu, skripsi ini membahas mengenai pengaturan hukum prinsip kehati-hatian pada kegiatan penitipan dengan pengelolaan (trust) dan penerapannya pada salah satu bank di Indonesia yaitu Bank X. Penelitian dari skripsi ini merupakan penelitian kepustakaan yang menghasilkan bentuk penelitian deskriptif analitis.Hasil dari penelitian menyatakan bahwa pengaturan prinsip kehati-hatian pada kegiatan trust tidak diatur secara khusus sehingga mengacu pada berbagai peraturan perundang-undangan dimana dalam pelaksanaannya Bank X telah menerapkan prinsip kehati-hatian sesuai dengan peraturan perundang-undangan yang berlaku, walaupun terdapat salah satu ruang lingkup prinsip kehati-hatian yang belum dilaksanakan.

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In an effort to increase the national economic, Foreign Exchange Export Proceeds is expected to be managed by national bank using the bank business activity in the form of trust (trust activity), which is not rule the possibility to manage non Foreign Exchange Export Proceeds assets either. However, in conducting trust activities there are various risks so that banks must act very carefully and prudent. Therefor, this thesis discusses about the regulations of prudential banking principle for trust activity and the implementation in one of the Indonesian bank, Bank X. This type of research is a library research which produces descriptive analytical research.

The result stated that the regulations of prudential banking principle for bank business activity in the form of trust are not regulated in the specific regulation so that the regulations refer to various regulations where Bank X has implemented the prudential banking principle in trust activity based on the applicable regulations, eventhough there is some prudential standard which has not been implemented."

"[ ABSTRAKMenurut hukum perbankan Indonesia, bank mempunyai kewajiban untuk menerapkan prinsip kehati-hatian dalam menjalankan setiap kegiatan usahanya, termasuk dalam melaksanakan kewajibannya untuk memeriksa kesesuaian dokumen dengan syarat dan ketentuan Letter of Credit (L/C) sebelum melakukan pembayaran. Namun dalam Uniform Customs and Practice for Documentary Credit (UCP), terdapat ketentuan yang memuat mengenai hal-hal yang dibebaskan dari tanggung jawab bank dalam transaksi L/C. Skripsi ini akan memfokuskan penelitian pada kewajiban bank untuk menerapkan prinsip kehati-hatianperbankan dalam menjalankan kegiatan usahanya menurut hukum perbankan Indonesia, dihadapkan dengan adanya ketentuan pembebasan tanggung jawab bank dalam transaksi L/C yang diatur dalam UCP. Dengan menggunakan metode penelitian yuridis normatif, penelitian ini menunjukkan bahwa walaupun menurut hukum perbankan Indonesia bank wajib untuk menerapkan prinsip kehati-hatian perbankan dalam menjalankan kegiatan usahanya, namun terdapat beberapa ketentuan dalam UCP yang memuat mengenai hal-hal yang dapat membebaskan bank dari tanggung jawab hukum dalam melaksanakan kewajibannya untuk memeriksa dokumen dalam transaksi L/C. Dimana bank dibebaskan dari tanggung jawab atas hal-hal terkait efektifitas dokumen, yaitu, ketepatan, keaslian, kepalsuan atau akibat hukum dari setiap dokumen serta kesalahan penerjemahan.

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ABSTRACTAccording to Indonesia's banking rules, bank has the obligation to imply prudential banking principle in doing its business, including in doing its obligation to examine whether the presented documents are complied with the terms and condition of Letter of Credit (L/C), before honoring the presentation. However in Uniform Customs and Practice for Documentary Credit (UCP), there are disclaimer clauses that regulates about the things that have been exempted from bank's responsibility in L/C transaction. This thesis will mainly focus on bank?sobligation to imply prudential banking principle in doing its business according to Indonesia?s banking rules, when it is faced with the existence of disclaimer clauses in L/C transaction which regulated in UCP. By using legal normative method, this study concluded that even though according to Indonesia?s banking rules bank has every obligation to imply prudential banking principle in doing its business, there are some things that have been exempted from bank?s responsibility according to UCP, that can release bank from legal responsibility regarding its obligation to examine the presentation of documents in L/C transaction. Where bank assumes no liability of effectiveness of the documents, including form, accuracy, genuineness, falsification or legal effect of any document, and mislead of translation., According to Indonesia's banking rules, bank has the obligation to imply prudential banking principle in doing its business, including in doing its obligation to examine whether the presented documents are complied with the terms and condition of Letter of Credit (L/C), before honoring the presentation. However in Uniform Customs and Practice for Documentary Credit (UCP), there are disclaimer clauses that regulates about the things that have been exempted from bank's responsibility in L/C transaction. This thesis will mainly focus on bank’sobligation to imply prudential banking principle in doing its business according to Indonesia’s banking rules, when it is faced with the existence of disclaimer clauses in L/C transaction which regulated in UCP. By using legal normative method, this study concluded that even though according to Indonesia’s banking rules bank has every obligation to imply prudential banking principle in doing its business, there are some things that have been exempted from bank’s responsibility according to UCP, that can release bank from legal responsibility regarding its obligation to examine the presentation of documents in L/C transaction. Where bank assumes no liability of effectiveness of the documents, including form, accuracy, genuineness, falsification or legal effect of any document, and mislead of translation.]"