Journal Article

Protection of Customers from Unlawful Acts by Banks through Synergy of Legal Principles

Sr, Sepriyadi Adhan, Wahyudi, Heru, Emirzon, Joni, Hamzah

2025

Overview

Efforts to protect consumers from unlawful acts are realized through the liability of business actors for losses suffered by consumers, as in Article 1365 of the Civil Code. However, liability for illegal actions on the part of the bank often places the customer as a weak party compared to the bank, so effective consumer protection efforts are not guaranteed. One of the reasons is the need for banks' understanding of consumer protection law principles due to the need for in-depth studies on the synergy of principles of consumer protection law associated with the principle of fault and responsibility of the bank. This research uses the normative method that refers to legislation and principles as a basis for applying the law, accompanied by conceptual analysis by examining existing theoretical concepts on one problem. The results show that the synergy of legal principles is realized with principles of economic law development and consumer protection so that bank negligence and standard agreements that only benefit the bank and harm customers can be avoided, such as principles of good faith, prudence, accountability of business actors, and happiness. The interpretation of legal principles is expected to suit the bank to uphold values and justice in the context of good customer protection.

• Publisher: Romanian Society for Quality Assurance
• Subject: Banking industry / Banks / Consumer protection / Consumers / Customers / Law / Legislation / Liability / Negligence / Norms / Principles / Research methodology