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Original Research

LEGAL PROTECTION OF BANK CUSTOMERS THROUGH THE DIRECTORS' LIABILITY FOR LOSS OF CUSTOMER DEPOSIT

WILSON LIE SIMATUPANG 1, NINDYO PRAMONO 2, and JONKER SIHOMBING 3.

Vol 18, No 03 ( 2023 )   |  DOI: 10.17605/OSF.IO/QU4TM   |   Author Affiliation: Law Doctoral Program Students, Pelita Harapan University, Jakarta 1; Doctor of Law Program, Pelita Harapan University, Jakarta 2,3.   |   Licensing: CC 4.0   |   Pg no: 14-26   |   Published on: 10-03-2023

Abstract

Civil Responsibilities where bank customers are parties who use bank services, consisting of depositors and debtors. Depositors are customers who place their funds in the form of deposits based on a bank agreement with the customer concerned. Meanwhile, debtor customers are customers who obtain credit or financing facilities based on sharia principles or what is equivalent to that based on a bank agreement with the customer concerned. Legal protection for bank customers through bank accountability for loss of customer deposits. It can be seen that in principle, the relationship between banks and customers depositing funds is based on a relationship of trust, which is usually called a fiduciary relationship. Banks work with funds that the public has deposited in them on the basis of trust, so that every bank needs to continue to maintain its health by maintaining and maintaining public trust in it. Solegal protection for bank customers through directors' accountability for loss of customer deposits according to Wandari and Ramdhan argue that this places more emphasis on the application of the prudential principle of banks which is basically a general security system for activities and the banking system as a whole through efforts to increase bank security. Even this has been expressly regulated in Article 2 of the Banking Act that the prudential principle requires banks to always be careful in carrying out their business activities, or in other words banks must always be consistent in implementing laws and regulations in the banking sector based on professionalism. And good faith.


Keywords

Legal Protection, Banks, Board of Directors Accountability, Customer Deposits