LEGAL PROTECTION FOR CONSUMERS USING SERVICES FROM ILLEGAL PRIVATE PAWNSHOPS IN DENPASAR CITY
Abstract
This discussion about pawning has surfaced in the last few years as people more
and more often carry out this practice of pawning in solving the problems they face.
One of the problems behind the implementation of pawning by the community is
that the pawning process does not take a long time. In addition, a person can solve
the problems they face immediately by using the valuables they have as collateral
without having to be afraid of losing these items. The enactment of the Financial
Services Authority Regulation Number 31/POJK.05/2016 concerning Pawn
Business is a strong legal basis for OJK to supervise the pawn business as one of
the Special Financial Services Industries. This study has two formulations of the
problem, namely: 1) What is the basis for regulating private mortgages in
Indonesia? and 2) What is the legal protection for consumers who use the services
of private pawn companies?. This study uses the type of empirical legal research.
The data collection technique in this study is by conducting interviews. In this study
a legal sociological approach was used, meaning that in examining the issues
raised with facts supported by a juridical approach. Legal arrangements regarding
pawning in Indonesia are basically regulated in articles 1150 to 1160 of the Civil
Code. The issuance of the Financial Services Authority Regulation Number
31/POJK.05/2016 concerning Pawn Business explains the wider scope of the
pawn business. However, the regulations that have been set are ineffective, as
seen from the large number of private pawn companies that do not have licenses.
Regarding consumer protection from private pawn companies, it is still not
guaranteed because there are still many private pawn companies that do not have
permits to circulate in the community, which have the opportunity to commit fraud
against consumers because they do not get legal protection from private
pawnshops, so that consumers feel disadvantaged and do not get protection and
inconvenience when pawning the goods.
References
Jakarta.
Maryunani, Adang, 1976, Seri Melayani Masyarakat Pegadaian, PT.
Sanggubuwanan, Bandung.
Million, Esther, 2004, Tugas dan Fungsi Pegadaian Sebagai Lembaga
Pembiayaan Dalam Pemberian Kredit Dengan Sistem Gadai, Tesis, PPS USU,
Medan.
Sidabolok, Janus, 2000, Hukum Perlindungan Konsumen di Indonesia, Citra Aditya
Bakti, Bandung.
Sitompul, Zulkarnain, 2004, Menyambut Kehadiran Otoritas Jasa Keuangan, Pilars.
Handayani, Tri dan Lastuti Abubakar. (2017). Perkembangan Hukum Sektor Jasa
Keuangan Dalam Upaya Pertumbuhan Ekonomi Nasional, Jurnal De Lega Lata,
2(2).
Indradewi, Anak Agung Sagung Ngurah. (2015). Analisis Yuridis Kredit Sindikat.
Kerta Dyatmika, (12)1.
Mustaqim, Andika Hendra. (2010). Otoritas Jasa Keuangan Sebagai Solusi Sistem
Ekonomi Nasional, Perspektif, 8(1).
Siallagan & Siregar. (2017). Tinjauan Yuridis terhadap Penyelesaian Wanprestasi
Perjanjian Asuransi dalam Putusan No. 537/Pdt.g/2013/PN.MDN. Jurusan Ilmu
Hukum, Fakultas Hukum, Universitas Medan Area, 4(1).
Trisna Dewi, Ni Made. (2015), Tanggung Jawab Debitur Terhadap Musnahnya
Benda Jaminan Fidusia Dalam Perjanjian Kredit Bank, Kerta Dyatmika, 12(2).
Kitab Undang-Undang Hukum Perdata.
Undang-Undang Nomor 10 Tahun 1998 Lembaran Negara Republik Indonesia
Tahun 1998 Tentang Perbankan No. 182, Tambahan Lembaran Negara
Republik Indonesia No. 3790.
Undang-Undang No. 8 Tahun 1999 Lembaran Negara Republik Indonesia Tahun
1999 Tentang Perlindungan Konsumen No. 22, Tambahan Lembaran Negara
Republik Indonesia No. 3821.
Undang-Undang Nomor 21 Tahun 2011 Lembaran Negara Republik Indonesia
Tahun 2011 Tentang Otoritas Jasa Keuangan No.111, Tambahan Lembaran
Negara Republik Indonesia No. 5253.
Peraturan Otoritas Jasa Keuangan Nomor 31 /POJK.05 /2016 tentang Usaha
Pergadaian.
