Legal Construction against Customer Deposit Protection as a Result Liquidity of PT Bank Perkreditan Rakyat Mustika Utama Kolaka

Authors

  • Ashadi L. Diab State Islamic Institute of Kendari, Indonesia
  • Rizal Darwis State Islamic Institute of Sultan Amai Gorontalo, Indonesia http://orcid.org/0000-0002-9094-4368
  • Asni Zubair State Islamic Institute of Bone
  • Sitti Selamita State Islamic Institute of Kendari, Indonesia

DOI:

https://doi.org/10.30863/al-bayyinah.v6i2.3045

Keywords:

Legal construction, deposit protection, customers, local wisdom

Abstract

This article discusses the protection of customer deposits of PT. Bank Perkreditan Rakyat (BPR, rural bank) Mustika Utama Kolaka. This type of research is descriptive and qualitative with data collection methods using observation, interviews, and documentation. The research data is categorized into primary data and secondary data, processed and analyzed through data reduction steps, data presentation, and conclusion drawing with an analytical descriptive approach. The results showed that the procedure carried out by the Financial Services Authority (OJK) in the process of expiring PT. BPR Mustika Utama Kolaka's license was to carry out direct and indirect supervision of the bank. OJK after declaring its business license revoked, the handling of customer deposit protection is carried out based on the procedures established by the Indonesia Deposit Insurance Corporation (IDIC) by referring to Law Number 21 of 2011 concerning the Financial Services Authority. On the other hand, in terms of the legal construction of conflict resolution between customers and the bank, it prioritizes steps to acculturate local wisdom and actualize legal culture in the local community.

References

Achmad Zaelani, Head of Consumer Education and Protection, Financial Services Authority, Interview, at Financial Services Authority Office in the Province of Southeast Sulawesi, November 21, 2019.

Amin, Ali, dan Irwan Abdullah. "Intra-Religious Persecution in West Java: Case study of Ahmadiyah Community in Manis Lor Kuningan," Thesis MA (Yogyakarta: CRCS UGM, 2015). http://etd.repository.ugm.ac.id/home/ detail_pencarian/27679

Analita, Nining. “Perlindungan Hukum Terhadap Nasabah Penyimpan Atas Simpanannya Yang Tidak Dijamin Oleh Lembaga Penjamin Simpanan,†Thesis BA. Purwokerto: Universitas Jenderal Soedirman, 2012.

Astri, Herlina. “Penyelesaian Konflik Sosial melalui Penguatan Kearifan Lokal,†Aspirasi, Vol. 2, no. 1 (2011); pp. 151-162.

Brata, Ida Bagus. “Kearifan Budaya Lokal Perekat Identitas Bangsa,†Jurnal Bakti Saraswati, Vol. 05, no. 01 (2016); pp. 9-16.

Charda S., Ujang. “Model Penyelesaian Perselisihan Hubungan Industrial di Luar Pengadilan melalui Arbitrase Ketenagakerjaan,†Lex Publica: Jurnal Ilmu Hukum Asosiasi Pimpinan Perguruan Tinggi Hukum Indonesia, Vol. 3, No. 1 (2016); pp. 447-464.

Demaio, Alessandro. “Local wisdom and health promotion: Barrier or catalyst. Asia Pacific Journal of Public Health, Vol. 2, no. 2 (2011); pp. 127- 132. Doi: 10.1177/1010539509339607

Diab, Ashadi L. “Perjanjian Kredit Pada Bank Perkreditan Rakyat, Al-‘Adl, Vol. 10, No. 1 (2017); pp. 1-14.

Fajar, M. Samson, Sabdo. "Akomodasi Budaya Lokal dalam Legislasi Hukum Keluarga di Indonesia,†Jurnal Aqlam: Journal of Islam and Plurality, Vol. 3, no. 2 (2018); pp. 151-163.

Fitriani, Dian, Neneng Yani Yuningsih. “Analisis Kebijakan Pemerintah tentang Pencegahan dan Penanganan Korban Perdagangan (Trafficking) Perempuan dan Anak di Kabupaten Cianjur,†Cosmogov, Vol. 2, no. 2 (2016); pp. 330-360, https://doi.org/10.24198/cosmogov.v2i2.10007

Hadjon, M. Philipus. Perlindungan Hukum Bagi Rakyat di Indonesia. Surabaya: PT. Bina Ilmu, 1987.

Hafid, Anwar, Misran Safar, “Kajian Pengembangan Kebudayaan di Kota Kendari†Research Report. Kendari: FKIP Unhalu dengan Pemda Kota Kendari, 2008.

http://www.bprpuridana.co.id/pengertian-bpr

https://lps.go.id/bank-yang-dilikuidasi/-/asset_publisher/Z7el/conten/pt-bpr-mustika-utama-kolaka-dl-

https://www.lps.go.id

https://www.lps.go.id/web/guest/ procedure-pengajuan-objection

Jati, Wasisto Raharjo. “Kearifan Lokal sebagai Resolusi Konflik Keagamaan.†Walisongo: Jurnal Penelitian Sosial Keagamaan, Vol. 21, no. 2 (2013); pp. 293-416, https://doi.org/10.21580/ws.2 013.21.2.251

Mahfudz, Abd. Ghoffar. “Hubungan Agama dan Budaya: Tinjauan Sosioklutural,†Tawshiyah: Jurnal Sosial Keagamaan dan Pendidikan Islam, Vol. 14, no. 1 (2019); pp. 41-61. https://doi.org/10.32923/taw.v14i1.1143

Mursal. “Implementasi Prinsip-Prinsip Ekonomi Syariah: Alternatif Mewujudkan Kesejahteraan Berkeadilan,†JPED: Jurnal Perspektif Ekonomi Darussalam, Vol.1, no.1 (2015); pp. 75-84. https://doi.org/10.24815/jped.v1i1.6521

Otoritas Jasa Keuangan. “Siaran Pers: Pencabutan Izin Usaha PT BPR Mustika Utama Kaloka [Kolaka] Kendari,†https://www.ojk.go.id/id/kanal/ perbankan/berita-dan-kegiatan/siaran-pers/Pages/Siaran-Pers-Pencabutan-Izin-Usaha-PT-BPR-Mustika-Utama-Kaloka-Kendari.aspx,

Pramisti, Nurul Qomariyah. “Krisis Moneter 1997/1998 adalah Periode Terkelam Ekonomi Indonesia,†https://tirto.id/krisis-moneter-1997-1998-adalah-periode-terkelam-ekonomi-indonesia-f6YV

Prasojo, Zaenuddin Hudi, Mustaqim Pabbajah, “Akomodasi Kultural dalam Resolusi Konflik Bernuansa Agama di Indonesia,†Jurnal Aqlam: Journal of Islam and Plurality, Vol. 5, no. 1 (2022); pp. 1-28.

Prayitno. “Pengaruh Sikap Primordialisme terhadap Upaya Pembentukan Proses Harmonisasi Masyarakat Multikultur.†Foreign Affairs, 2017. https://doi.org/10.1017/CBO9 781107415324.004

Purworini, Dian, Budi Santoso. “Sensemaking Theory in Portraying an Organizational Conflict: A Case Study Analysis.†Humanities and Social Sciences Reviews, Vol. 7, no. 3 (2019); pp. 235-240, https://doi.org/10.18510/hssr. 2019.7336

Rahardjo, Satjipto. Ilmu Hukum. Cet. V; Bandung: Citra Aditya Bakti, 2000.

Rato, Anthonius Aldo, Budiharto, Paramita Praningtyas, “Perlindungan Nasabah dalam Proses Likuidasi PT. Bank Perkreditan Rakyat Agra Artakha Mulya sebagai Bank Gagal,†Diponegoro Law Journal, Vol. 5, No. 4 (2016), pp. 1-16.

Republic of Indonesia. Law Number 21 of 2011 concerning the Financial Services Authority.

Soekanto, Soerjono. Pengantar Penelitian Hukum. Jakarta: UI Press, 2010.

Taufiq, Muhammad, et.al, “Forms and Mechanisms of Law Dispute Resolution Using the Principle of Pancasila Basen nn Local Wisdom,†Jurnal Dinamika Hukum, Vol. 16, no.1 (2016); p. 24.

Tim Penyusun. Mengenal Otoritas Jasa Keuangan dan Industri Jasa Keuangan Kelas X. Jakarta: t.p., 2017.

Tribrata Polda Sutra. “Melalui Kearifan Lokal, Bhabinkamtibnas Kendari Selesaikan Masalah,†dalam https://tribratanews.sultra.polri.go.id/berita/melalui-kearifan-lokal-bhabinkamtibmas/

Downloads

Published

2022-12-02

Issue

Vol. 6 No. 2 (2022): Al-Bayyinah

Section

Articles

Citation Check

License

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike License (CC BY-SA 4.0) that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.