KAJIAN PERLINDUNGAN NASABAH MENURUT UU RI NOMOR 21 TAHUN 2008 TENTANG PERBANKAN SYARIAH

Mei Santi

Abstract


Perlindungan nasabah menurut UU RI Nomor 21 Tahun 2008 tentang Perbankan Syariah merupakan upaya perlindungan nasabah yang meliputi: a) Mekanisme pengaduan nasabah yang berpedoman pada PBI Nomor 7/7/PBI/2005 jo. PBI Nomor 10/10/PBI/2008 tentang Penyelesaian Pengaduan Nasabah dan PBI Nomor 8/5/PBI/2006 jo. PBI Nomor 10/1/PBI/2008 tentang Mediasi; b) meningkatkan transparansi produk yang berpedoman pada PBI Nomor 7/6/PBI/2005 tentang Transparansi Informasi Produk Bank dan penggunaan data pribadi nasabah; c) Edukasi terhadap nasabah dilakukan oleh Bank Indonesia bersama-sama dengan bank-bank dan asosiasi-asosiasi perbankan yang tergabung dalam kelompok kerja edukasi masyarakat di bidang perbankan dengan memberikan pemahaman tentang produk dan jasa perbankan kepada nasabah dan calon nasabah. Sistem perbankan syariah yang beroperasi berdasarkan prinsip bagi hasil memberikan alternatif sistem perbankan yang saling menguntungkan bagi masyarakat dan bank, serta menonjolkan aspek keadilan dalam bertransaksi, investasi yang beretika, mengedepankan nilai-nilai kebersamaan dan persaudaraan dalam berproduksi dan menghindari kegiatan spekulatif dalam bertransaksi keuangan.

Customer protection according to UU RI Number 21 Tahun 2008 about Syariah banking as an effort to protect customer covering: a) the mechanism of submission done by the customer based on PBI Number 7/7/PBI/2005 jo. PBI Number 10/10/PBI/2008 about the solution of submission done by the customer and PBI Number 8/5/PBI/2006 jo. PBI Number 10/1/ PBI/208 about mediation, b) improving transparancy of product based on PBI Number 7/6/PBI/2005 about transparancy of information of bank product and the use of customer private data, c) education towards customer done by Indonesia Bank in collaboration with other banks and banking association under the group work of society education in the field of banking by giving understanding about banking product and service to the customer and candidate of customer. The system of syariah banking which is done under the principle of profit sharing gives an alternative of banking system to be useful for society and bank. Moreover, the principle offer justice during the process of doing transaction and having ethic during making investment. It also emphasises on the value of togetherness and avoid itself to be speculative in conducting transaction.


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