Nurfitriyani, Siti Hamidah, Reka Dewantara
Bank customer protection is intended so that customers have the right to make complaints and can resolve disputes in the banking sector. The laws and regulations governing customer protection in the banking sector have not been optimal in protecting customers. Public funds collected and personal data of customers in the Bank have not been fully protected by law, and there are still opportunities to be misused by bank owners. Legal protection of customers is indispensable as the main means to overcome it. The purpose of this paper is that legal economic analysis can be used as an approach to answer legal problems to banking regulations in protecting customers. Legal materials used are primary legal materials, legislation related to the focus of research, and secondary legal materials that are library data that can be in the form of books, references, papers, journals, research results. Materials are collected through document studies and library studies, then analyzed using descriptive analysis using legal interpretation, to be then concluded deductively. The results showed that the analysis of economic law on banking regulations in the protection of customer law that the laws and regulations governing the banking sector is still not optimal in providing legal protection to bank customers, and that the regulation still does not support efficient banking activities. Existing banking regulations still open too many opportunities to be misused by bank owners and not adequate in accommodating the development of banking activities. © 2021, Mataram University Faculty of Law. All rights reserved.
Universitas Brawijaya, Indonesia
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