Enhancing Consumer Protection in the Indonesian Financial Service Sector through the Utilization of Standardized Contracts

Lastuti Abubakar, Tri Handayani
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引用次数: 0

Abstract

The Financial Services Sector is a pioneer in developing standard contract regulations. This standard contract complements Contract Law that did not initially regulate standard contracts. This study aims to analyze the development of standard contract regulation in the Indonesian financial services sector. It examines aspects that require strengthening so that standard contracts can become a protecting consumer tool in the financial services sector. This study uses a normative juridical approach with a descriptive-analytical research specification. The results show that: 1) The development of standard contract regulations in the POJK on Consumer Protection used by Financial Service Business Actors (PUJK) contains the principles and prohibitions on including exoneration clauses and undue influence. This provision fills the legal vacuum regarding standard contracts that still refer to the freedom of contract principle and Book III of the Civil Code and other related regulations. The use of the standard contracts encourages PUJK to comprehend the importance of consumer protection; 2) OJK should strengthen regulatory aspects by issuing guidelines on standard contract formats and contain correct interpretations of the scope of undue influence and supervise the standards contract both directly and indirectly that have been implemented by PUJK.
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通过使用标准化合同加强印尼金融服务部门的消费者保护
金融服务部门是制定标准合同法规的先驱。这一标准合同是对《合同法》最初没有规定标准合同的补充。本研究旨在分析标准合同监管在印尼金融服务部门的发展。它审查了需要加强的方面,以便标准合同能够成为金融服务部门保护消费者的工具。本研究采用规范性的司法方法和描述性分析研究规范。结果表明:1)《金融服务业务行为者消费者保护准则》(PUJK)中标准合同规则的制定包含了免责条款和不当影响条款的原则和禁止。这一规定填补了仍参照合同自由原则和《民法典》第三卷及其他有关规定的标准合同方面的法律空白。标准合同的使用鼓励PUJK理解保护消费者的重要性;2) OJK应通过发布关于标准合同格式的指导方针,加强监管方面的工作,并包含对不当影响范围的正确解释,并对PUJK已经实施的标准合同进行直接和间接的监督。
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来源期刊
CiteScore
0.70
自引率
0.00%
发文量
11
审稿时长
12 weeks
期刊最新文献
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