PENYELESAIAN SENGKETA NASABAH BANK MELALUI LEMBAGA ALTERNATIF PENYELESAIAN SENGKETA SEKTOR JASA KEUANGAN

Abstract

Banking is everything related to banks, including institutions, business activities, and methods and processes in carrying out their business activities. Disputes between customers and banks are a problem that often occurs in legal relations in the financial services sector. In response to the need for fast, efficient, and fair dispute resolution, the Financial Services Authority (OJK) established the Alternative Institution for Financial Services Sector Dispute Resolution (LAPS SJK). Problem formulation: 1). What form of Legal Protection is provided by LAPS SJK to Bank Customers? 2). How is the analysis of the LAPS SJK mechanism in handling Bank Customer Disputes? The method used is normative juridical with a statutory approach and analysis of secondary data. Research results: 1). Shows that LAPS SJK provides legal protection through mediation, arbitration, binding, confidential and reliable opinions, objective and fair resolution, non-litigation, affordability, special banking dispute resolution, customer rehabilitation dispute resolution based on POJK No. 61/POJK.07/2020. 2). The mechanism used by the FSS LAPS to resolve banking disputes offers an efficient alternative to court litigation. Procedurally, the process begins with a customer submitting an application that meets the administrative requirements. Its substance prioritizes the principles of justice, impartiality, and consumer rights protection. Thus, the LAPS SJK is an effective dispute resolution forum that supports consumer protection.