Perlindungan Hukum terhadap Konsumen Pengguna E-Money Ditinjau dari Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen

Abstract

One of the problems that arise for consumers or electronic money holders is card damage. Damage to the card proves that the issuer does not guarantee the product in accordance with its promises, namely security, convenience and ease of transaction. For this reason, the problem that will be examined is how is the legal protection of Electronic Money (e-money) users for the loss of e-money cards so that they are used by unauthorized parties, what is the legal position of e-money users in filing a lawsuit for losses related to the Consumer Protection Law and what form of accountability is provided by Bank Mandiri Medan for losses suffered by e-money users.The type of research used in this discussion is normative juridical research, namely to provide an understanding that law is a statutory instrument that is regulatory in its implementation. Furthermore, the data obtained is presented descriptively and then analyzed qualitatively. The results of the study show that a form of legal protection for users of Electronic Money (e-money) for the loss of e-money cards so that they are used by unauthorized parties is the Consumer Protection Act which gives e money users the right to file a claim for compensation to the district court. or Consumers can also bring this problem to the Consumer Dispute Settlement Agency (BPSK). The legal position of e-money users in filing lawsuits related to the Consumer Protection Act is that electronic money users are consumers in the banking sector, so they have rights and obligations in using e-money products. Therefore, if the rights of the e-money user are violated by the provider, the e-money user has the right to claim compensation and file a lawsuit with the court. The responsibility given by Bank Mandiri Medan Branch for losses suffered by e-money card users is to replace e-money cards or return balances, but if the loss is caused by errors or negligence of e-money card users, Bank Mandiri Medan Branch will not be responsible responsible for the loss as stipulated in Article 43 paragraph (2) letter c PBI No. 20/6/2018 concerning Electronic Money