THE EFFECTIVENESS OF BANK SUPERVISION LEGAL CONCEPTS IN PROTECTING CUSTOMER INTERESTS IN INDONESIA
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Abstract
The banking industry is the driving force or heart of a nation's economic development (leading indicator) and a trustworthy industry (financial fiduciary). The customer is an important factor in the banking business. In accordance with Law Number 7 of 1992 concerning Banking as amended by Act Number 10 of 1998 Banking, banks are required to maintain their health. The soundness of a bank, which is a reflection of the condition and performance of a bank, is a means for the supervisory authority in determining the strategy and focus of supervision of the bank. OJK has the authority to stipulate banking regulations by upholding the principle of prudence. OJK has prepared two massive and comprehensive strategic customer protection programs. This study uses empirical research methods, namely research that focuses on examining the condition of objects in detail by collecting facts and data in the field in detail. The purpose of this study is to determine the effectiveness of banking laws in resolving banking cases that occur in Indonesia. In practice, OJK encounters many obstacles as technology develops which results in many problems in the banking sector so that the protection of consumers or bank customers regarding legal certainty is not fulfilled.
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