TINJAUAN HUKUM PERJANJIAN ISLAM DAN UNDANG-UNDANG NOMOR 8 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN TERHADAP KLAUSULA BAKU PADA UANG ELEKTRONIK (STUDI PADA E-MONEY BANK X)

WIDADATUL ULYA, NIM. 14380028 (2018) TINJAUAN HUKUM PERJANJIAN ISLAM DAN UNDANG-UNDANG NOMOR 8 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN TERHADAP KLAUSULA BAKU PADA UANG ELEKTRONIK (STUDI PADA E-MONEY BANK X). Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

X e-money is an unregistered electronic money and the value of money is stored in the chip. Its use does not require a PIN, so it is easily transferable. X e-money has the terms and conditions in the Consumer Protection Law called the standard clause. Of the total of 13 clauses, the authors focus on three standard clauses: First, declare restrictions and / or transfer of responsibility when the consumer loses the card, the card is damage, or the card used by an unauthorized person. The standard clause stating the transfer of responsibilities is prohibited by Article 18 Paragraph (1) Sub- Paragraph a of the Consumer Protection Law. Second, require consumers agree on new rules from the organizers. That is, the consumer is not given the freedom to choose the contents of the clause and the clause contains obscurity of intent and purpose (gharar). This is likely to violate Article 18 paragraph (1) letter g of the Consumer Protection Law. Third, stating that the operator is not obliged to notify the reason for suspension of service in case of technical or non-technical errors. This clause may be in violation of Article 4 concerning consumer rights, as consumers are entitled to comfort, security, and information that is clear, truthful and honest. This research is a qualitative library research and using analytical descriptive method and juridical-normative approach. The purpose of this research is to explain the standard clause on X e-money in the perspective of Islamic covenant law and Consumer Protection Law. Data were collected through a review of relevant and verified literature using interactive and non-interactive methods. Interactive method is in the form of participant observation and interview to one of the leaders of branches of Bank X in Yogyakarta. And the non-interactive method is done by spreading the questionnaire to 40 participants (consumers) who are on several cities in Indonesia. From this research, can be drawn a conclusion that in the perspective of Islamic covenant law this standard clause in accordance with the principles of Islamic covenant law. However, the clause stating the necessity of the consumer to agree on new rules is fasid, because it fulfills the terms and conditions of the agreement but has not fulfilled the requrements of the validity of the agreement, that contains gharar. While in the perspective of the Consumer Protection Law, the standard clause of X emoney is not contradictory to Article 2, Article 4, Article 18 and the first clause stating the transfer of responsibility due to negligence in accordance with Article 27 of Consumer Protection Law.

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