Perlindungan Hukum Data Agunan Debitur dalam Perspektif Kerahasiaan Perbankan

Abstract

Registration of Fiduciary Security since the issuance of Government Regulation No. 21 of 2015 concerning FIDUCIA GUARANTEE REGISTRATION PROCEDURES AND COST OF MAKING FIDUSIA ASSETS are an obligation and obligation as a condition of a fiduciary agreement and as a form of implementation of the principle of publicity. In the online Fiduciary registration procedure, there are stages of searching data (or the term in practice is “buying data”) which is charged a fee of fifty thousand rupiahs (IDR 50,000.00). If the user chooses the searching data option, a number of data related to debtor collateral will appear, such as the form of collateral, who is the creditor, and data on the value of the guarantee. It becomes a question when debtor collateral data is linked with the bank as the creditor. Is collateral data that can be accessed by users consisting of Notary, Corporate (consisting of banks and non-banks), and Retail (consisting of individuals and business entities) part of bank confidentiality? Debtor data in the bank secrecy provisions contained in the Banking Law can only be disclosed to certain parties for certain reasons as well. Therefore it is necessary to study the debtor collateral data in relation to the provisions of banking secrecy and protection of banks because this pertains to banks as creditors