TANGGUNG JAWAB PERUSAHAAN PERBANKAN TERHADAP DEBITOR DALAM PERJANJIAN BAKU YANG MEMUAT KLAUSULA EKSONERASI

Ryan Oczio Antameng, Yetti Yetti, Yeni Triana

Abstract


Based on the results of the research, it is known that the responsibility of banking companies to debtors in the standard agreement containing exoneration that the responsibilities of business actors include the responsibility for compensation for damages; liability for losses for consumer pollution; and liability for compensation for consumer losses. Banks must adjust the contents of credit agreements more so that they do not conflict with regulations. The legal con equence is that based on Article 1320 of the Civil Code it can be declared null and void because of the non-fulfillment of the legal conditions of the agreement regarding the lawful cause (objective conditions), because it is contrary to the provisions of Article 1337 of the Civil Code where the contents of the agreement have included an exoneration clause in the standard agreement where this contrary to Article 18 paragraph (1) and paragraph (2) of the Consumer Protection Act and Article 22 paragraph (1).

Keywords


Responsibility, Standard Agreement, Exoneration Clause

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References


Berdasarkan hasil penelitian diketahui bahwa Tanggung Jawab Perusahaan Perbankan Terhadap Debitor Dalam Perjanjian Baku Yang Memuat Eksonerasi bahwa tanggung jawab pelaku usaha meliputi tanggung jawab ganti kerugian atas kerusakan; tanggung jawab kerugian atas pencemaran konsumen; dan tanggung jawab ganti kerugian atas kerugian konsumen. Perbankan harus lebih menyesuaikan isi perjanjian kredit agar tidak bertentangan dengan peraturan. Akibat hukumnya bahwa berdasarkan Pasal 1320 KUHPerdata dapat dinyatakan batal demi hukum karena tidak terpenuhinya syarat sah perjanjian mengenai causa yang halal (syarat objektif), sebab telah bertentangan telah bertentangan dengan ketentuan Pasal 1337 KUHPerdata dimana isi perjanjiannya telah mencantumkan klausula eksonerasi dalam perjanjian baku dimana hal tersebut bertentangan dengan Pasal 18 ayat (1) dan ayat (2) Undang-Undang Perlindungan Konsumen dan Pasal 22 ayat (1).


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