ABSTRAK Tinjauan Yuridis Pertukaran Informasi Data Potential

ABSTRAK
Tinjauan Yuridis Pertukaran Informasi Data Potential Customer
Secara Resiprokal Antara Entitas Utama dan Lembaga Jasa
Keuangan Non Bank dalam Konglomerasi
Lembaga Jasa Keuangan PT X
Raditya Agung
110110110253
Perkembangan bisnis jasa keuangan di Indonesia ditunjukan
dengan banyaknya lembaga jasa keuangan terutama bank, yang
membentuk konglomerasi jasa keuangan dimana bank membuat anak
perusahaan yang bergerak di berbagai bidang jasa keuangan. Fenomena
ini akan meningkatkan perekonomian secara tidak langsung bagi
Indonesia. Disisi lain, bila penerapan manajemen risiko dalam
konglomerasi tidak diawasi dan berjalan dengan baik, akan menyebabkan
keruntuhan ekonomi secara nasional. Dalam manajemen risiko
terintegrasi, PT X menerapkan pertukaran data potential customer atau
data nasabah antar lembaga jasa keuangan dalam konglomerasi PT X
yang menimbulkan dampak negatif terhadap nasabah dari PT X. Tujuan
dari penelitian ini adalah untuk melihat keabsahan pertukaran informasi
data potential cutomer tersebut dan pelimpahan pertanggungjawaban
terhadap dampak negatif yang dialami oleh nasabah PT X.
Metode penelitian yang digunakan adalah yuridis normatif.
Menekankan pada norma hukum disamping menelaah kaidah-kaidah
hukum yang berlaku di masyarakat. Penelitian ini juga mengkaji bahan
hukum primer, bahan hukum sekunder, bahan hukum tersier, dan
kepustakaan elektronik. Metode ini digunakan dengan menganalisis
proses pertukaran data potential customer yang terjadi dalam
konglomerasi lembaga jasa keuangan PT X dengan kaidah hukum positif
Berdasarkan hasil penelitian, dapat disimpulkan bahwa pertukaran
informasi dalam konglomerasi PT X antara PT X sebagai entitas utama
yang sekaligus berbentuk bank dengan lembaga jasa keuangan non bank
bukan merupakan tindakan yang sah secara normatif serta dapat
digolongkan sebagai perbuatan melawan hukum. Sedangkan untuk
pertanggungjawaban atas pertukaran data potential customer dapat
dilimpahkan secara tanggung renteng dimana PT X serta anak
perusahaan PT X yang memiliki kewajiban untuk bertanggung jawab atas
kerugian
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ABSTRACT
Juridical Review on the reciprocal exchange of Potential Customer
Data Between The Main Entity and the Non-Bank
Financial Service Institution under PT X
Financial Service Conglomeration
Raditya Agung
110110110253
The growth and development of businesses in financial services in
Indonesia can be seen by the amount of emerging financial institutions,
especially banks that are expanding their businesses by forming a
financial services conglomeration where banks create subsidiary
institutions that are engaged in various areas of financial services. This
phenomenon,
on one hand, will indirectly boost the economy of
Indonesia. On the other hand, if the application of risk management in the
conglomeration is not applied and monitored properly it can cause the
national economy to collapse. In applying risk management in the
conglomeration which is reffered to as integrated risk management, PT X
implements the exchange of potential customer data between subsidary
institutions in PT X financial services conglomeration which had a
negative outcome towards some of the customers of PT X itself. The
purpose of this research is to see the validity of the exchange of the
potential customer data and how the responsibility can be delegated
towards the negative effects experienced by customers of PT X
The research method that is being used is the normative juridical
approach. This research eemphasizess on normative law while analyzing
the rule of law that is applicable in society. This research was conducted
reviewing primary legal materials, secondary legal materials, tertiary legal
materials and through an electronic library. By utilizing this method, the
writter analyzed the process of potential customer data exchange under
PT X financial service conglomeration in comparison to the positive rule of
law.
Based on the results of this research, it can be concluded that the
exchange of information within the PT X conglomeration between PT X as
the main entity (in the form of a bank) with a non bank financial services
institution can not be considered as a legitimate legal action and can be
classified as a tort. As for the liability regarding the exchange of potential
customer data; PT X and its subsidiary institutions may be held jointly
responsible for the loss.
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