Relaksasi Kredit dan Perlindungan Konsumen Jasa Keuangan

𝑺𝒊𝒕𝒖𝒂𝒔𝒊 𝒑𝒂𝒏𝒅𝒆𝒎𝒊 𝑪𝑶𝑽𝑰𝑫 19 𝒎𝒆𝒎𝒃𝒖𝒂𝒕 𝒕𝒆𝒓𝒈𝒂𝒏𝒈𝒈𝒖𝒏𝒚𝒂 𝒆𝒌𝒐𝒏𝒐𝒎𝒊 𝒕𝒆𝒓𝒖𝒕𝒂𝒎𝒂 𝒃𝒆𝒓𝒅𝒂𝒎𝒑𝒂𝒌 𝒑𝒂𝒅𝒂 𝒌𝒐𝒏𝒔𝒖𝒎𝒆𝒏 𝒂𝒕𝒂𝒖 𝒅𝒆𝒃𝒊𝒕𝒖𝒓 𝒚𝒂𝒏𝒈 𝒃𝒆𝒓𝒈𝒆𝒓𝒂𝒌 𝒅𝒊𝒔𝒆𝒌𝒕𝒐𝒓 𝑱𝒂𝒔𝒂 𝑷𝒆𝒎𝒃𝒊𝒂𝒚𝒂𝒂𝒏 𝑲𝒆𝒖𝒂𝒏𝒈𝒂𝒏 ( 𝑴𝒖𝒍𝒕𝒊𝒇𝒊𝒏𝒂𝒏𝒄𝒆) 𝒚𝒂𝒏𝒈 𝒃𝒆𝒓𝒅𝒂𝒎𝒑𝒂𝒌 𝒑𝒂𝒅𝒂 𝒑𝒆𝒓𝒊𝒍𝒂𝒌𝒖 𝒌𝒐𝒏𝒔𝒖𝒎𝒆𝒏 𝒚𝒂𝒏𝒈 𝒕𝒊𝒅𝒂𝒌 𝒎𝒂𝒎𝒑𝒖 𝒎𝒆𝒎𝒃𝒂𝒚𝒂𝒓 𝒂𝒕𝒂𝒖 𝒃𝒆𝒓𝒑𝒐𝒕𝒆𝒏𝒔𝒊 𝒎𝒆𝒏𝒋𝒂𝒅𝒊 𝒌𝒓𝒆𝒅𝒊𝒕 𝒎𝒂𝒄𝒆𝒕 ( 𝑵𝒐𝒏 𝑷𝒆𝒓𝒇𝒐𝒓𝒎𝒊𝒏𝒈 𝑳𝒐𝒂𝒏/𝑵𝑷𝑳).

𝑷𝒂𝒅𝒂 𝒑𝒓𝒊𝒏𝒔𝒊𝒑𝒏𝒚𝒂 𝑷𝑼𝑱𝑲 𝒅𝒂𝒏 𝑶𝑱𝑲 𝒃𝒆𝒓𝒔𝒊𝒏𝒆𝒓𝒈𝒊 𝒎𝒆𝒎𝒃𝒂𝒏𝒈𝒖𝒏 𝒑𝒆𝒎𝒂𝒉𝒂𝒎𝒂𝒏 𝒃𝒂𝒈𝒊 𝒌𝒐𝒏𝒔𝒖𝒎𝒆𝒏 𝒂𝒕𝒂𝒖 𝒅𝒆𝒃𝒊𝒕𝒖𝒓 𝒎𝒆𝒏𝒈𝒆𝒏𝒂𝒊 ” 𝑹𝑬𝑳𝑨𝑲𝑺𝑨𝑺𝑰 ” 𝒂𝒑𝒂𝒌𝒂𝒉 𝒃𝒆𝒏𝒂𝒓 𝒅𝒊𝒑𝒂𝒉𝒂𝒎𝒊 𝒖𝒏𝒕𝒖𝒌 𝒎𝒆𝒏𝒊𝒏𝒈𝒌𝒂𝒕𝒌𝒂𝒏 𝒌𝒆𝒑𝒂𝒕𝒖𝒉𝒂𝒏 𝒎𝒆𝒎𝒃𝒂𝒚𝒂𝒓 𝒔𝒆𝒕𝒆𝒍𝒂𝒉 𝑷𝒂𝒏𝒅𝒆𝒎𝒊 𝑪𝑶𝑽𝑰𝑫 19 𝒊𝒏𝒊 𝒃𝒆𝒓𝒂𝒌𝒉𝒊𝒓.

𝑹𝒆𝒍𝒂𝒌𝒔𝒂𝒔𝒊 𝒊𝒕𝒖 𝒃𝒖𝒌𝒂𝒏 𝒑𝒆𝒏𝒈𝒉𝒂𝒑𝒖𝒔𝒂𝒏 𝑲𝒓𝒆𝒅𝒊𝒕 𝒕𝒆𝒓𝒉𝒂𝒅𝒂𝒑 𝒖𝒕𝒂𝒏𝒈-𝒖𝒕𝒂𝒏𝒈 𝒅𝒂𝒓𝒊 𝑫𝒆𝒃𝒊𝒕𝒖𝒓 𝒂𝒕𝒂𝒖 𝒑𝒆𝒎𝒐𝒕𝒐𝒏𝒈𝒂𝒏 𝒎𝒂𝒔𝒂/𝒕𝒆𝒏𝒐𝒓 𝒌𝒓𝒆𝒅𝒊𝒕, 𝒋𝒂𝒅𝒊 𝒊𝒕𝒖 𝒉𝒂𝒓𝒖𝒔 𝒃𝒆𝒏𝒂𝒓- 𝒃𝒆𝒏𝒂𝒓 𝒅𝒊𝒑𝒂𝒉𝒂𝒎𝒊 𝒐𝒍𝒆𝒉 𝒔𝒆𝒕𝒊𝒂𝒑 𝒌𝒐𝒏𝒔𝒖𝒎𝒆𝒏.

𝑳𝒆𝒃𝒊𝒉 𝒍𝒂𝒏𝒋𝒖𝒕, 𝒓𝒆𝒈𝒖𝒍𝒂𝒔𝒊 𝒚𝒂𝒏𝒈 𝒂𝒅𝒂 𝒚𝒂𝒏𝒈 𝒅𝒊𝒃𝒖𝒂𝒕 𝒐𝒍𝒆𝒉 𝑶𝑱𝑲 𝒉𝒂𝒓𝒖𝒔 𝒎𝒆𝒏𝒋𝒂𝒅𝒊 ” 𝑬𝑲𝑺𝑬𝑲𝑼𝑻𝑶𝑹𝑰𝑨𝑳 ” 𝒃𝒂𝒈𝒊 𝑷𝒆𝒍𝒂𝒌𝒖 𝑼𝒔𝒂𝒉𝒂 𝑱𝒂𝒔𝒂 𝑲𝒆𝒖𝒂𝒏𝒈𝒂𝒏 ( 𝑷𝑼𝑱𝑲) 𝒌𝒂𝒓𝒆𝒏𝒂 𝒃𝒊𝒔𝒂 𝒎𝒆𝒏𝒈𝒂𝒌𝒊𝒃𝒂𝒕𝒌𝒂𝒏 𝑷𝒆𝒓𝒖𝒔𝒂𝒉𝒂𝒂𝒏 𝑷𝒆𝒎𝒃𝒊𝒂𝒚𝒂𝒂𝒏 𝒚𝒂𝒏𝒈 𝒎𝒆𝒓𝒖𝒈𝒊 𝒅𝒂𝒏 𝒃𝒆𝒓𝒅𝒂𝒎𝒑𝒂𝒌 𝒑𝒂𝒅𝒂 𝒑𝒆𝒏𝒈𝒖𝒓𝒂𝒏𝒈𝒂𝒏 𝒌𝒂𝒓𝒚𝒂𝒘𝒂𝒏 𝒂𝒕𝒂𝒖 𝑷𝒆𝒎𝒖𝒕𝒖𝒔𝒂𝒏 𝑯𝒖𝒃𝒖𝒏𝒈𝒂𝒏 𝑲𝒆𝒓𝒋𝒂 ( 𝑷𝑯𝑲).

𝑫𝒂𝒍𝒂𝒎 𝒑𝒆𝒏𝒆𝒓𝒂𝒑𝒂𝒏𝒏𝒚𝒂 𝑷𝒆𝒍𝒂𝒌𝒖 𝑼𝒔𝒂𝒉𝒂 𝑱𝒂𝒔𝒂 𝑲𝒆𝒖𝒂𝒏𝒈𝒂𝒏 ( 𝑷𝑼𝑱𝑲) 𝒅𝒂𝒏 𝑶𝒕𝒐𝒓𝒊𝒕𝒂𝒔 𝑱𝒂𝒔𝒂 𝑲𝒆𝒖𝒂𝒏𝒈𝒂𝒏 𝒔𝒆𝒑𝒆𝒓𝒕𝒊 𝒚𝒂𝒏𝒈 𝒅𝒊 𝑰𝒏𝒔𝒕𝒓𝒖𝒌𝒔𝒊𝒌𝒂𝒏 𝒐𝒍𝒆𝒉 𝒃𝒂𝒑𝒂𝒌 𝑷𝒓𝒆𝒔𝒊𝒅𝒆𝒏 𝑹𝑰, 𝑷𝒆𝒍𝒂𝒌𝒖 𝑼𝒔𝒂𝒉𝒂 𝑱𝒂𝒔𝒂 𝑲𝒆𝒖𝒂𝒏𝒈𝒂𝒏 𝒊𝒕𝒖 𝒉𝒂𝒓𝒖𝒔 𝑭𝒍𝒆𝒌𝒔𝒊𝒃𝒆𝒍 𝒎𝒆𝒍𝒂𝒌𝒖𝒌𝒂𝒏 𝒊𝒏𝒊 𝒅𝒊𝒍𝒂𝒑𝒂𝒏𝒈𝒂𝒏. 𝑴𝒆𝒔𝒌𝒊𝒑𝒖𝒏 𝒃𝒖𝒌𝒂𝒏 𝒅𝒊𝒕𝒖𝒋𝒖𝒌𝒂𝒏 𝒃𝒂𝒈𝒊 𝒔𝒆𝒎𝒖𝒂 𝒑𝒊𝒉𝒂𝒌 𝒌𝒂𝒓𝒆𝒏𝒂 𝒎𝒆𝒏𝒖𝒓𝒖𝒕 𝒗𝒆𝒓𝒔𝒊 𝑷𝑼𝑱𝑲 𝒅𝒂𝒏 𝑶𝑱𝑲 𝒃𝒆𝒓𝒍𝒂𝒌𝒖 𝒃𝒂𝒈𝒊 𝒚𝒂𝒏𝒈 𝒃𝒆𝒓𝒅𝒂𝒎𝒑𝒂𝒌 𝒍𝒂𝒏𝒈𝒔𝒖𝒏𝒈 𝒂𝒌𝒊𝒃𝒂𝒕 𝑪𝑶𝑽𝑰𝑫 19 𝒔𝒆𝒑𝒆𝒓𝒕𝒊 𝑶𝑱𝑶𝑳 ( 𝑶𝒋𝒆𝒌 𝑶𝒏𝒍𝒊𝒏𝒆) 𝒅𝒂𝒏 𝑶𝒋𝒆𝒌 𝑲𝒐𝒏𝒗𝒆𝒏𝒔𝒊𝒐𝒏𝒂𝒍.

𝑯𝒂𝒓𝒂𝒑𝒂𝒏 𝒍𝒂𝒊𝒏, 𝒃𝒂𝒉𝒘𝒂 𝑶𝑱𝑲 𝒉𝒂𝒓𝒖𝒔 𝒎𝒂𝒎𝒑𝒖 𝒎𝒆𝒏𝒆𝒓𝒂𝒑𝒌𝒂𝒏 ” 𝑹𝒆𝒔𝒕𝒓𝒖𝒌𝒕𝒖𝒓𝒊𝒔𝒂𝒔𝒊 𝒌𝒓𝒆𝒅𝒊𝒕 ” 𝒎𝒆𝒏𝒚𝒆𝒍𝒖𝒓𝒖𝒉 𝒃𝒂𝒈𝒊 𝑲𝒐𝒏𝒔𝒖𝒎𝒆𝒏 𝒌𝒂𝒓𝒆𝒏𝒂 𝑲𝒐𝒏𝒔𝒖𝒎𝒆𝒏 𝒂𝒕𝒂𝒖 𝒅𝒆𝒃𝒊𝒕𝒖𝒓 𝒃𝒖𝒌𝒂𝒏 𝒉𝒂𝒏𝒚𝒂 𝑶𝒋𝒆𝒌 𝑶𝒏𝒍𝒊𝒏𝒆 ( 𝑶𝑱𝑶𝑳) 𝒚𝒂𝒏𝒈 𝒃𝒆𝒓𝒅𝒂𝒎𝒑𝒂𝒌 𝒕𝒂𝒑𝒊 𝒎𝒂𝒔𝒚𝒂𝒓𝒂𝒌𝒂𝒕 𝒃𝒆𝒓𝒑𝒆𝒏𝒈𝒉𝒂𝒔𝒊𝒍𝒂𝒏 𝒎𝒆𝒏𝒆𝒏𝒈𝒂𝒉 𝒌𝒆𝒃𝒂𝒘𝒂𝒉 𝒋𝒖𝒈𝒂 𝒎𝒆𝒏𝒈𝒂𝒍𝒂𝒎𝒊 𝑫𝒂𝒎𝒑𝒂𝒌 ( 𝑺𝒊𝒅𝒆 𝑬𝒇𝒇𝒆𝒄𝒕)

𝑺𝒆𝒑𝒆𝒓𝒕𝒊 𝒚𝒂𝒏𝒈 𝒕𝒆𝒓𝒕𝒖𝒂𝒏𝒈 𝒅𝒂𝒍𝒂𝒎 𝑷𝑶𝑱𝑲 𝑵𝒐.1/𝑷𝑶𝑱𝑲. 07/2013 𝒕𝒆𝒏𝒕𝒂𝒏𝒈 𝑷𝒆𝒓𝒍𝒊𝒏𝒅𝒖𝒏𝒈𝒂𝒏 𝒔𝒆𝒌𝒕𝒐𝒓 𝑱𝒂𝒔𝒂 𝑲𝒆𝒖𝒂𝒏𝒈𝒂𝒏 𝒎𝒆𝒏𝒆𝒌𝒂𝒏𝒌𝒂𝒏 𝒃𝒂𝒉𝒘𝒂 𝑷𝒆𝒓𝒍𝒊𝒅𝒖𝒏𝒈𝒂𝒏 𝑲𝒐𝒏𝒔𝒖𝒎𝒆𝒏 𝒉𝒂𝒓𝒖𝒔 𝒎𝒆𝒏𝒆𝒓𝒂𝒑𝒌𝒂𝒏 𝒑𝒓𝒊𝒏𝒔𝒊𝒑 : 𝑻𝒓𝒂𝒏𝒔𝒑𝒂𝒓𝒂𝒏𝒔𝒊, 𝑷𝒆𝒓𝒍𝒂𝒌𝒖𝒂𝒏 𝒚𝒂𝒏𝒈 𝒂𝒅𝒊𝒍, 𝑲𝒆𝒂𝒏𝒅𝒂𝒍𝒂𝒏, 𝑲𝒆𝒓𝒂𝒉𝒂𝒔𝒊𝒂𝒏 𝒅𝒂𝒏 𝑲𝒆𝒂𝒎𝒂𝒏𝒂𝒏 𝒅𝒂𝒕𝒂, 𝒔𝒆𝒓𝒕𝒂 𝒑𝒆𝒏𝒈𝒂𝒅𝒖𝒂𝒏 𝒅𝒂𝒏 𝒑𝒆𝒏𝒚𝒆𝒍𝒆𝒔𝒂𝒊𝒂𝒏 𝒔𝒆𝒏𝒈𝒌𝒆𝒕𝒂 𝒌𝒐𝒏𝒔𝒖𝒎𝒆𝒏.

𝑫𝒂𝒍𝒂𝒎 𝑰𝒎𝒑𝒍𝒆𝒎𝒆𝒏𝒕𝒂𝒔𝒊𝒏𝒚𝒂 𝑶𝑱𝑲 𝒉𝒂𝒓𝒖𝒔 𝒃𝒊𝒔𝒂 𝒃𝒆𝒓𝒅𝒊𝒓𝒊 𝒅𝒊𝒕𝒆𝒏𝒈𝒂𝒉 𝒂𝒏𝒕𝒂𝒓𝒂 𝑷𝑼𝑱𝑲 ( 𝑷𝒆𝒍𝒂𝒌𝒖 𝑼𝒔𝒂𝒉𝒂 𝑱𝒂𝒔𝒂 𝑲𝒆𝒖𝒂𝒏𝒈𝒂𝒏) 𝒅𝒆𝒏𝒈𝒂𝒏 𝑲𝒐𝒏𝒔𝒖𝒎𝒆𝒏. 𝑲𝒂𝒓𝒆𝒏𝒂 𝒔𝒊𝒕𝒖𝒂𝒔𝒊 𝑪𝑶𝑽𝑰𝑫 19 𝒕𝒆𝒓𝒎𝒂𝒔𝒖𝒌 𝒌𝒆𝒋𝒂𝒅𝒊𝒂𝒏 𝒅𝒊𝒍𝒖𝒂𝒓 𝒅𝒖𝒈𝒂𝒂𝒏 𝒌𝒊𝒕𝒂 𝒃𝒆𝒓𝒔𝒂𝒎𝒂 ( 𝑭𝑶𝑹𝑪𝑬 𝑴𝑬𝑱𝑬𝑼𝑹𝑬) 𝒖𝒏𝒕𝒖𝒌 𝒎𝒆𝒏𝒚𝒆𝒍𝒆𝒔𝒂𝒊𝒌𝒂𝒏 𝒔𝒆𝒏𝒈𝒌𝒆𝒕𝒂 𝑲𝒐𝒏𝒔𝒖𝒎𝒆𝒏 𝒂𝒌𝒊𝒃𝒂𝒕 𝑮𝒂𝒈𝒂𝒍 𝑩𝒂𝒚𝒂𝒓 𝒕𝒊𝒅𝒂𝒌 𝒕𝒆𝒑𝒂𝒕 𝒘𝒂𝒌𝒕𝒖 ( 𝒑𝒆𝒏𝒈𝒖𝒏𝒅𝒖𝒓𝒂𝒏 𝒘𝒂𝒌𝒕𝒖) 𝒅𝒆𝒏𝒈𝒂𝒏 𝑷𝒓𝒐𝒈𝒓𝒂𝒎 ” 𝑹𝑬𝑳𝑨𝑲𝑺𝑨𝑺𝑰 ”

𝑺𝒆𝒎𝒐𝒈𝒂, 𝑷𝒓𝒐𝒈𝒓𝒂𝒎 “𝑹𝑬𝑳𝑨𝑲𝑺𝑨𝑺𝑰” 𝒌𝒓𝒆𝒅𝒊𝒕 𝒊𝒏𝒊 𝒃𝒊𝒔𝒂 𝒎𝒆𝒎𝒃𝒂𝒏𝒕𝒖 𝒎𝒆𝒎𝒖𝒕𝒖𝒔 𝒎𝒂𝒕𝒂 𝒓𝒂𝒏𝒕𝒂𝒊 𝒑𝒆𝒏𝒚𝒆𝒃𝒂𝒓𝒂𝒏 𝑪𝑶𝑽𝑰𝑫 19.(SNI-03)

Ditulis oleh Parlin Dony Sipayung SH MH ketua 𝑩𝒂𝒈𝒊𝒂𝒏 𝑲𝒆𝒑𝒆𝒓𝒅𝒂𝒕𝒂𝒂𝒏 𝑷𝒓𝒐𝒅𝒊 𝑰𝒍𝒎𝒖 𝑯𝒖𝒌𝒖𝒎 𝑼𝑺𝑰-𝑷𝒆𝒎𝒂𝒕𝒂𝒏𝒈𝒔𝒊𝒂𝒏𝒕𝒂𝒓.