TANGGUNG GUGAT BII TERHADAP HILANGNYA BARANG DALAM SAFE DEPOSIT BOX
DOI:
https://doi.org/10.30742/perspektif.v25i3.720Keywords:
bank, safe deposit box, tanggung gugat, Bank, Safe Deposit Box, LiabilityAbstract
Safe Deposit Box (SDB) sebagai salah satu bentuk jasa perbankan untuk menyediakan tempat penyimpanan barang dan surat berharga milik nasabah yang telah dijamin dalam peraturan perundang-undangan di bidang perbankan. Perjanjian safe deposit box berdasarkan pada perikatan sewa menyewa. Bank memperoleh imbal balik berupa biaya jasa dalam menunaikan kewajibannya dalam menyimpan barang dan surat berharga tersebut dengan itikad baik termasuk bertanggungjawab atas hilangnya obyek safe deposit box akibat pembobolan bank karena bank dianggap lalai menunaikan kewajibannya sesuai perjanjian jasa safe deposit box. Unsur kelalaian bank harus dapat dibuktikan dalam penyelesaian kasus dengan merujuk pada ketentuan peraturan perundang-undangan di bidang perbankan dan perlindungan konsumen. Penelitian normatif ini akan mengkaji mengenai tanggung gugat bank khususnya BII atas hilangnya benda menjadi obyek safe deposit box. Hasil dari penelitian ini adalah pentingnya asas itikad baik bank sebagai pelaku usaha dalam pertanggungjawaban kelalaian bank serta pentingnya aspek kehati-hatian nasabah dalam pengikatan perjanjian safe deposit box.
Safe Deposit Box (SDB) as a form of banking services to provide a storage area for customers’ goods and securities that have been guaranteed by the laws and regulations in the banking sector. The safe deposit box agreement is based on a lease agreement. Bank receives service fees when fulfilling its obligations to storing these goods and secutirites with a good faith, including being responsible for the loss of objects due to breaking because the bank is deemed negligent in fulfilling its obligations according to the safe deposit box agreement. Negligence factor must be proven in case settlement by referring to regulations in banking and consumer protection. This normative research will examine the accountability of banks, especially BII, for the loss of objects in safe deposit boxes. The results of this study are the importance of the principle of good faith for banks in the accountability of bank negligence as well as the importance of customer caution in binding safe deposit box agreements.
References
Peraturan Perundang-undangan:
Kitab Undang-Undang Hukum Perdata.
Undang-Undang No. 10 Tahun 1998 tentang Perubahan atas Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan.
Buku:
Abdulkadir Muhammad. (1992). Perjanjian Baku dalam Praktek Usaha Perdagangan. Bandung: Citra Aditya Bakti.
Ahmadi Miru. (2012). Hukum Perikatan. Jakarta: RajaGrafindo Persada.
Djoni S. Gazali dan Rachmadi Usman. (2010). Hukum Perbankan. Jakarta: Sinar Grafika.
Gunawan Wijaja. (2003). Hukum tentang Perlindungan Konsumen. Jakarta: Gramedia Pustaka Utama.
Irina Rachmadianty. “Perlindungan Hukum dan Perpektif Ketidakadilan (Unconscionability) Pada Perjanjian Sewa Menyewa SDB”. Malang: Fakultas Hukum Universitas Brawijaya.
J. Satrio. (1992). Hukum Perjanjian. Bandung: Citra Aditya Bakti.
Kasmir. (2014). Dasar-Dasar Perbankan Edisi Revisi. Jakarta: PT. Raja Grafindo Persada.
Lanny Kusumawati. (2010). Aspek Hukum dalam Persaingan Usaha. Sidoarjo: Laros.
Permadi Gandapraja. (2004). Dasar dan Prinsip Pengawasan Bank. Jakarta: Gramedia Pustaka Utama.
R. Subekti. (1995). Aneka Perjanjian. Bandung: Citra Aditya Bakti.
Jurnal:
Endang Retnowati. “Aspek Yuridis Simpanan dan Penitipan Pada Bank”. Jurnal Perspektif. Vol IX No. 4 Edisi Oktober 2004.
Website:
Harta di SDB Raib Nasabah Gugat BII dikutip dari http://keuangan.kontan.co.id/news/harta-di-safe-deposit-box-raib-nasabah-gugat-bii-tanggal 23/03/2015
Lainnya:
Putusan Kasasi Nomor 897K/Pdt/2011.
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