Perlindungan Konsumen Pengguna Uang Elektronik Terhadap Klausula Baku Ditinjau Dari DSN MUI NO. 116/DSN-MUI/IX/2017, PBI NO. 20/6/PBI/2018 DAN UU NO. 8 TAHUN 1999

Abstract

Consumers are weak parties in agreements and transaction, so they are vunerable to becoming victims. Therefore, the Government and related institutions are trying to provide protection through Law No. 8 Tahun 1999 concerning Consumer Protection, Bank Indonesia through PBI No. 20/6/PBI/2018 concerning Elektronic Money, and the Indonesian Ulema Council through DSN MUI No. 116/DSN-MUI/IX/2017 concering Sharia Electronic Money. The purpose ofthis study is to see how consumer protection for elektronic money users from standard clauses that have been set in term of DSN MUI No. 116/DSN-MUI/IX/2017, PBI No. 20/6/PBI/2018 dan UU No. 8 Tahun 1999. This research uses qualitative research methods, has the type of normative legal research and literature study by conducting and assessment of the laws and regulations, related books. This article finds that the three exiting regulations have not been able to maximize the form of consumer protection for e-money users from standard clauses which seem to describe the transfer of responsibility to consumers, and the lack of prioritizing consumers protection.