EFEKTIVITAS HUKUM TINDAKAN PENAGIHAN KARTU KREDIT DALAM AKTIVITAS PERBANKAN DI KOTA BATAM

Authors

  • Bryan Simanjuntak Universitas Internasional Batam, Indonesia
  • FL Yudhi Priyo Amboro Universitas Internasional Batam, Indonesia

DOI:

https://doi.org/10.23887/jatayu.v4i3.43739

Keywords:

Penagihan, Kartu Kredit, Debitur, Perbankan, Efektivitas Hukum

Abstract

Kartu kredit merupakan alat pembayaran yang menggantikan uang tunai dengan sebuah kartu yang diberikan oleh kreditur kepada debitur, tetapi terdapat permasalahan atas tindakan penagihan kepada debitur kartu kredit oleh kreditur. Maka dari itu dilakukan penelitian ini yang bertujuan untuk menganalisa pelaksanaan penagihan debitur kartu kredit dan menganalisis kendala yang ada serta memberikan solusi yang untuk mengurangi permasalahan dalam penagihan debitur kartu kredit di Kota Batam. Metode penelitian yang dilakukan adalah yuridis sosiologis dengan studi lapangan sebagai sumber primernya dan analisis hukum yang digunakan menggunakan Teori Efektivitas Hukum oleh Soerjono Soekanto. Dari hasil penelitian dapat dilihat bahwa analisa hukum atas tindakan penagihan debitur kartu kredit oleh kreditur perbankan di Kota Batam belum efektif berdasarkan faktor hukum, faktor penegakan hukum dan faktor masyarakat karena masih terdapat kendala tetapi terdapat solusi yang bisa dilakukan untuk mengefektifkan tindakan penagihan debitur kartu kredit oleh perbankan di Kota Batam.

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Published

2022-01-19

Issue

Vol. 4 No. 3 (2021): November, Jurnal Komunitas Yustisia

Section

Articles

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