Perlindungan Hukum Nasabah Pengguna Safe Deposit Box pada Lembaga Perbankan (Studi Putusan Nomor Perkara 226/pdt.g/2019/pn.dps)

Abstract

The role of banks is very important for the community in the current era, namely to provide services for the community which is basically also a function of the bank needed by the community in the form of storing public money, financing, renting custody, and so on. The existence of Safe Deposit Box services is regulated in the Financial Services Authority Regulation Number 13/POJK.03/2021 concerning the Implementation of Commercial Bank Products has clearly regulated other simple bank products/services. What is meant by this is the safe deposit box service. SDB is provided for customers to store valuables whose legal relationship with the bank is based on a lease agreement, it is regulated in article 1548 of the Civil Code. Research methods in this thesis include normative juridical research types. The research approach is in the form of legislation and conceptual approach. Legal materials are sourced from primary legal materials, secondary legal materials, and non-legal materials. The procedure for collecting legal materials is carried out by literature study, and analysis of legal materials. This research was conducted to determine the form of legal protection for customers who use safe deposit boxes who are harmed, as well as efforts to resolve if customers experience losses due to unlawful acts. The results showed that there are 2 (two) forms of legal protection, namely external legal protection, and internal legal protection. Also, there are 2 (two) kinds of settlement efforts, namely through non-litigation channels (outside the court) and litigation (court). Legal protection for customers who use safe deposit box services is based on related laws and regulations.