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Perlindungan hukum bagi pemegang uang elektronik dalam melakukan transaksi e-money

Yansyah, Yansyah (2017) Perlindungan hukum bagi pemegang uang elektronik dalam melakukan transaksi e-money. Jurnal Hukum Ekonomi dan Bisnis, 15 (1).

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This thesis entitled Legal Protection for Electronic Money Card Holder in E-Money Transactions. Technology and trade development led to changes in the needs of the community. Instruments of payment, in the form of cash both coins and conventional banknotes are now developing in the form of payments made through electronic system (e-payment system). One means of electronic or noncash payments are by using electronic money card (e-money). Value of money is stored electronically and issued on the basis of the value of money paid to the holders of the provider. The money is used as a means of payment, but not the deposit as stipulated in the Banking Law, so it is not guaranteed by Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan / LPS). There are two issues that were examined in this study, namely: the arrangements for electronic money card holders in e-money transactions and legal protection for the cardholder to perform e-money transactions.The research in this thesis is a normative legal research using the statute approach and analytical & conceptual approach. Legal material used consists of primary legal materials in the form of legislation, secondary legal materials in the form of literature relating to the problem, and tertiary legal materials, such as legal dictionaries and articles in electronic format. The entire legal materials were collected using a card system and analyzed descriptively and evaluatively.Based on the results of studies conducted on the issue, the legal regulation of the form of electronic money stipulated in Bank Indonesia Regulation Number 11/12/PBI/2009 on Electronic Money, and through standard agreements governed by the provider, such as terms and conditions of the card holder. Legal protection for the cardholder is required to ensure the equality of the provider and the card holder, including legal protection against the misuse of e-money card that can be detrimental to the holder, through preventive and repressive legal protection. Bank Indonesia sanctions related to violations committed organizers electronic money activities are not carried out in accordance with the applicable provisions. Agreement between the issuer and the card holder is also a form legal protection for card holder through the principles of agreement attached to the agreement although not included in writing on the agreement.

Item Type: Article
Uncontrolled Keywords: Electronic money, card holder, forms of regulation, legal protectio
Divisions: Fakultas Hukum > S1 Hukum
Depositing User: tassa Natassa Auditasi
Date Deposited: 17 Feb 2022 05:09
Last Modified: 17 Feb 2022 05:09

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