PERLINDUNGAN HUKUM BAGI NASABAH TERHADAP AGEN BRI LINK BERDASARKAN PERATURAN OTORITAS JASA KEUANGAN NOMOR.19/POJK.03/2014 TENTANG LAYANAN KEUANGAN TANPA KANTOR DALAM RANGKA KEUANGAN INKLUSIF DI WILAYAH KOTA PEKANBARU

Abstract

Banking transactions can be done without having to come to the bank office, that is with the
existence of technology-based banking services such as telephone, sms, banking, ATM, and the
latest with brokers bank agents branchless banking service which is a service without office by not
through office network but use information technology in its operations and requires cooperation
from other parties that is the agent as an arm of the bank to provide banking services to people who
do not know, use and or obtain banking services and other financial services.
The research is to know the legal protection for customers against the users of BRI LINK
Agent service under the Regulation of the Financial Services Authority Number. 19 / POJK.03 /
2014. And know the efforts made by the bank if the customer suffered losses on transactions in the
Agent BRI LINK. This type of research is sociological juridical. This research was conducted at
several BRI LINK Agencies in Pekanbaru City Area, while the population and sample were all
parties related to the problem studied in this research, data source used, primary data, secondary
data and tertiary data, data collection technique in research this is by observation, interview and
literature study.
Conclusion, First, the Bank must provide protection to its customers, both preventive and
repressive. This preventive protection on Branchless Banking Services, which is obliged to provide
information in terms of delivery of products services Agent BRI LINK, the imposition of
administrative costs and even obliged to educate the public and business actors with the aim to
understand in the use of services Agent BRI LINK While the protection customer in a repressive
manner, the Bank must provide a customer complaint scheme. Secondly, while legal protection for
BRI LINK Agent agent can only be realized with the participation of various parties. Author's
suggestion, First, it is desirable for the Customer to be more proactive to know its rights and
obligations and also the Agent should be more open and improve its performance. Secondly, it is
expected for customer service user of BRI LINK Agent to always pay attention to the amount of
money sheets, to avoid mistake between agent and customer . As for Publisher Organizer of BRI
LINK, especially PT. Bank Rakyat Indonesia Persero (Tbk) in order to provide and add special
training to candidates of BRI LINK Agency in Pekanbaru city area.
Keywords : Customer, Branchless Banking Agent Transaction