Perlindungan Hukum atas Hak-hak Nasabah terhadap Bank yang Dinyatakan Pailit Legal Protection of Customers’ Rights Against Banks Declared Bankrupt
Article Sidebar
Page Numbers:
1069-1081
Digital Object Identifier:
10.58578/ahkam.v4i3.7150
Viewed: 237 times
Downloaded: 115 times
LYAS Publisher cordially invites qualified professionals to serve as Editors or Reviewers. Your expertise will make an important contribution to maintaining and strengthening the academic quality of our publications. Interested applicants are kindly requested to complete the application form at the following link: Editors & Reviewers
Please feel free to contact us if you need any further information about the submission process or if you have any additional questions.
Authors:
Mushafi Miftah1, Laila Nofita Anggraini2 
Copyright :
Authors retain copyright and grant the journal right of first publication.
Main Article Content
Abstract
The limited scope of studies on legal protection for bank customers' rights in bankruptcy cases has become a significant concern, as it directly affects public trust and the stability of the national banking system. This study aims to analyze the forms of legal protection afforded to the rights of bank customers in the event of bankruptcy, based on Law Number 37 of 2004 concerning Bankruptcy and Suspension of Debt Payment Obligations. A normative legal research method was employed, using a statutory approach and analysis of primary and secondary legal materials through literature review. The findings indicate that although depositors’ rights have been accommodated through various regulations, including the role of the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan, LPS), Article 2 paragraph (3) of Law No. 37 of 2004 restricts customers’ rights to file for bankruptcy against banks. This restriction is considered to conflict with the principles of justice and creditor protection, and it does not align with the principle of balance in bankruptcy law. Moreover, the resolution of banking issues tends to favor liquidation mechanisms over bankruptcy proceedings. The implications of this study include a theoretical contribution to the body of banking law literature and practical recommendations for the government and relevant authorities (Bank Indonesia, the Financial Services Authority, and LPS) to review existing regulations in order to strengthen legal protection for customers. This research also opens avenues for further studies on alternative dispute resolution mechanisms and international comparative analyses of customer protection in bank bankruptcies.
Citation Metrics:
Downloads
Article Details
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
References
Amiruddin dan H Zainal Asikin. (2006). Pengantar Metode Penelitian Hukum. Raja Grafindo Persada
Anggara, S. (2016). Teori Keadilan John Rawls Kritik Terhadap Demokrasi Liberal. Jispo, 1(1), 1. https://doi.org/10.15575/jispo.v1i1.710
Arianto, T. F., Agustiani, M. F., Shalzabilla, S., & Mayangsari, D. A. (2025). Konsep Keadilan Restoratif Dalam Perspektif Teori Keadilan John Rawls. Nusantara: Jurnal Pendidikan, Seni, Sains Dan Sosial Humanioral, 1–25. https://journal.forikami.com/index.php/nusantara/article/view/957/674
David Y. Wonok. (2013). Perlindungan Hukum Atas Hak-Hak Nasabah Sebagai Konsumen Pengguna Jasa Bank Terhadap Risiko Yang Timbul Dalam Penyimpangan Dana. Jurnal Hukum Unsrat, 1(2), 60. https://doi.org/https://repo.unsrat.ac.id/388/1
Fajar, M., & Achmad, Y. (2017). Dualisme Penelitian Hukum Normatif Dan Empiris. Pustaka Pelajar
Fauzi, M. (2010). Menimbang Konstruksi Hukum Kepailitan Bank; Perspektif Nilai Dasar Dan Tujuan Hukum (Law Construction of Bankruptcy; Basic Values and Orientation of Law Perspective). [12] Risalah Hukum: Jurnal Hukum, 6(1). https://e-journal.fh.unmul.ac.id/index.php/risalah/article/view/245/155
Hidayat, A. (2019). Perlindungan Hukum Nasabah Penyimpan Mpan Dalam Proses Kepailitan Bank. Universitas Merdeka Madiun, 1–23. https://www.academia.edu/40838875
Kamil, T. (2017). Perlindungan Hukum Terhadap Nasabah Penyimpan Dana Yang Tidak Dijamin Oleh Lembaga Penjamin Simpanan (Lps)Di Bank Sumut Tanjung Balai. https://repositori.uma.ac.id/handle/123456789/11681
Kasmir. (2020). Hukum Perbankan Nasional Indonesia. In Bab Ii Kajian Pustaka 2.1 (Vol. 12, Issue 2004). Rajawali Pers
Marzuki, M. (2017). Penelitian hukum. Kencana
Mudita, I. K. M., Sujana, I. N., & Arini, D. G. D. (2020). Kedudukan Bank Indonesia (BI) sebagai Pemohon Pailit Setelah Berdirinya Otoritas Jasa Keuangan (OJK). Jurnal Interpretasi Hukum, 1(2), 46–51. https://doi.org/10.22225/juinhum.1.2.2433.46-51
Muhammad Djumhana. (2006). Hukum Perbankan Di Indonesia. Bandung Alumni
Nahdhah. (2022). Buku Ajar Hukum PerbNahdhahankan. In dan Rosad (2015Suparyanto (Vol. 5, Issue 3). Universitas Islam Kalimantan Muhammad Arsyad Al-Banjary Banjarmasin
Nainggolan, M., & Rumadan, I. (2024). Memahami Hukum Kepailitan dari Perspektif Gugatan Lain-Lain. Deepublish
Sari, R. A., & Pramudito, A. (2021). Harmonisasi Hukum Kepailitan dan Perbankan di Indonesia: Tinjauan Terhadap UU KPKPU dan UU Perbankan. Jurnal Hukum Dan Pembangunan, 51(2), 123-145. https://doi.org/10.35838/jrap.2023.010.01.03
Sentosa Sembiring. (2012). Hukum Perbankan: Edisi Revisi. Mandar Maju
Setiawan, B. (2022). Edukasi Keuangan dan Literasi Nasabah: Kunci Kepercayaan dalam Sistem Perbankan. Jurnal Ekonomi Dan Keuangan, 10(4), 301-315. https://doi.org/10.35838/jrap.2023.010.01.03
Sidauruk, S., Widiarty, W. S., & Saragi, P. (2025). Tinjauan Yuridis Pembayaran Imbalan Jasa Kurator atas Suatu Kepailitan yang Telah Dibatalkan. Jurnal Sosial Teknologi, 5(5), 1365–1382. https://doi.org/10.59188/jurnalsostech.v5i5.32107
SUTEDI, A. (2015). Hukum Perbankan suatu tinjauan, pencucian uang,marger, likuidasi,kepailitan. Sinar Grafika
Tampubolon, M. (2023). Metode Penelitian Metode Penelitian. Metode Penelitian Kualitatif, 3(17), 43. http://repository.unpas.ac.id/30547/5/BAB III.pdf
Usman, R. (2016). Kepailitan Terhadap Bank Berdasarkan Asas Keseimbangan Sebagai Perwujudan Perlindungan Kepentingan Nasabah Penyimpan. Badamai Law Journal, 1(1), 141. https://doi.org/10.32801/damai.v1i1.255
Yuhelson. (2018). Buku Ajar HUKUM PERBANKAN SYARIAH. In Zahir Publishing.