Implementasi Prinsip Kehati-Hatian Dalam Perjanjian Kredit Berbasis Online

  • Rully Baidlowi
  • Arief Rahman Fakultas Hukum Universitas Mataram

Abstract

This study aims to determine the process and what factors affect the implementation of the prudential banking principle in online-based agreements. This normative-empirical legal research method is basically a combination of normative legal approaches with the addition of various empirical elements with the Statute Approach, Conceptual Approach and Sociological Approach. Based on the results of the research, the application of the prudential banking principle in online-based credit agreements implemented by bank Danamon has complied with the prudential banking principle with the 5C of Credits element implemented by Bank Danamon are in accordance with Bank Indonesia regulations, Financial Services Authority regulations, and other laws and regulations. Other applicable laws and factors that influence this implementation are legal and non-legal factors.

References

1. Buku
Hernoko, Agus Yudha, Hukum Perjanjian: Asas Proposionalitas dalam Kontrak Komersial, 2013, Kencana Prenada Media Group, Jakarta.
Kitab Undang-Undang Hukum Perdata.

Rachmadi Usman, 2003, Aspek-aspek Hukum Perbankan di Indonesia, Gramedia Pustaka Utama, Jakarta.
Salim HS, 2021, Hukum Kontrak Elektronik E-Contract Law, RajawaliPers, Depok.
Lukmanul Hakim dan EkaTravilta Oktaria, Prinsip Kehati-hatian Pada Lembaga Perbankan Dalam Pemberian Kredit, Keadilan Progresif, Vol.9 No.2, Bandar Lampung, 2018.
2. Peraturan Perundang – Undangan
Undang-Undang Nomor 11 Tahun 2008 Tentang Informasi Dan Transaksi Elektronik;
Undang-Undang Nomor 19 Tahun 2016 Tentang Perubahan Atas Undang-Undang Nomor 11 Tahun 2008 Tentang Informasi Dan Transaksi Elektronik;
Undang-Undang Republik Indonesia Nomor 7 Tahun 1992 tentang Perbankan.
Undang-undang Nomor 10 Tahun 1998 tentang Perbankan;
Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 Tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi.
Surat Edaran Otoritas Jasa Keuangan Nomor /Seojk.05/2017 tentang Penyelenggaraan Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi.
3. Jurnal
Anisa Rahma Dita Dwinanda, 2019, Jurist-Diction, “Penerapan Prinsip Kehati-Hatian Dalam Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi Pada Situs Uangteman.Com”, Vol. 2 Nomor 3.
Published
2022-10-07
How to Cite
Baidlowi, R., & Rahman, A. (2022). Implementasi Prinsip Kehati-Hatian Dalam Perjanjian Kredit Berbasis Online. Private Law, 2(3), 657-665. https://doi.org/10.29303/prlw.v2i3.1562

DB Error: Unknown column 'Array' in 'where clause'