TANGGUNG JAWAB PIHAK BANK DALAM PERJANJIAN BAKU PAYLATER

Muhammad Ezzat Everoes, . (2025) TANGGUNG JAWAB PIHAK BANK DALAM PERJANJIAN BAKU PAYLATER. Jurnal Kertha Semaya, 13 (5). pp. 900-909. ISSN 2303-0569

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Abstract

The purpose of this study is to examine the relationship between the parties in Paylater and examine the responsibility of the bank that should be in the standard paylater agreement that contains an exoneration clause that is detrimental to consumers. This study employs a normative legal research method using a statutory approach and a conceptual approach. The results of the study show that the relationship between the parties in Paylater as creditors and debtors as stipulated in Civil Code Articles 1754 to 1769. As well as the clause in the Standard Agreement on the Terms of PayLater BCA by PT Bank Central Asia Tbk, namely in Part B regarding the Terms of Use of Point Number 22, is classified as an exoneration clause or a transfer of responsibility clause. This provision has the potential to transfer some of the responsibility that should be charged to the financial service provider to the full responsibility of the consumer as a PayLater user. This violates the provisions of Article 18 paragraph (1) of the UU No. 8 Tahun 1999 and Article 46 paragraph (2) letter a POJK No. 22 of 2023.

Item Type:	Article
Additional Information:	[No. Panggil: 2110611222] [Pembimbing: Suherman] [Penguji 1: Iwan Erar Joesoef] [Penguji 2: Satino]
Uncontrolled Keywords:	Standard Paylater Agreement, Responsibility, Exoneration Clause
Subjects:	K Law > K Law (General)
Divisions:	Fakultas Hukum > Program Studi Hukum (S1)
Depositing User:	MUHAMMAD EZZAT EVEROES
Date Deposited:	07 Aug 2025 06:54
Last Modified:	07 Aug 2025 06:54
URI:	http://repository.upnvj.ac.id/id/eprint/38486

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