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Abstract
This study aims to examine and to analyze the legal protection of exporters and importers in international trade transactions using Letter of Credit (L/C) as a payment system at PT. Bank Maybank Indonesia Tbk branch of Bengkulu. The type of this study was normative legal research with descriptive analytical research design. The result of this study indicated that in an international payment system that used L/C, both exporters and importers were protected, thus exporters did not have to worry about their goods not being paid for, while importers did not need to worry that the goods they bought did not arrive or that they would lose payment, because the bank would guarantee this matters if the required documents were appropriate. PT. Bank Maybank Indonesia Tbk branch of Bengkulu, in protecting its customers, must have considerations both based on the provisions of national banking regulations and based on the applicable banking practices. The efforts made by banks to protect exporters and importers were such as banks have to implement good corporate governance, apply Know Your Customer principles including the principle of prudence in providing L/C facilities, apply the Know Your Employee principle. Moreover, it was necessary to apply optimal sanctions in case of violation of procedures. The L/C arrangements at PT. Bank Maybank Indonesia Tbk branch of Bengkulu adheres to UCP 600 so that it can avoid differences or misinterpretation between the transacting parties as far as possible.
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References
- L.J Van Apelderon, Pengantar Ilmu Hukum,Pradnya Paramitha,Jakarta, 1990
- Huala Adolf, Dasar-Dasar Hukum Kontrak Internasional, Refika Aditama,Bandung 2008
- Kasmir, Bank dan Lembaga Keuangan Lainnya, Rajawali Pers, Jakarta, 2013
- Ramlan Ginting, Letter of Credit Tinjauan Aspek Hukum & Bisnis, Penerbit Unversita Trisakti,Jakarta, 2015
- Soepriyo Andhibroto, Letter of Credit : Dalam Teori dan Praktek, Dahara Prize, Semarang, 1992
- Philipus.M. Hadjon.Perlindungan Hukum Bagi Rakyat di Indonesia. Bina Ilmu, Surabaya, 1987
- Sarah DI Roero, Perlindungan terhadap bank dalam transaksi perdagangan dengan mengunakan sarana letter of credit, Jurnal Ilmiah, Universitas Samratulangi,Manado, 2013,
- Amir, MS, Kontrak Dagang Ekspor, Penerbit PPM,Jakarta, 2002
- Lukmanul Hakim, Prinsip kehati hatian pada lembaga perbankan dalam pemberian kredit, Jurnal Ilmiah, Universitas Bandar Lampung,Bandar Lampung, 2018
- Uswatun Hasanah, Perlindungan Hukum Nasabah, Filosofi, Teori dan Konstruksi, Interpena, Yogyakarta, 2012,
- Regulation
- Peraturan Pemerintah No.1 tahun 1982 tentang Pelaksanaan Ekspor, Impor dan Lalu Lintas Devisa
- Surat Edaran Bank Indonesia No. 26/34/ULN tanggal 17 Desember 1993 yang mengatur mengenai penundukan L/C pada UCP yang berlaku.
- Uniform Customers and Practice For Documentary Credits ( UCP ) 600
- Undang-Undang Nomor.23 tahun 1999 tentang Bank Indonesia
- Undang-Undang Nomor 10 Tahun 1998 Perubahan Undang-undangNomor 7 Tahun 1992 tentang Perbankan
References
L.J Van Apelderon, Pengantar Ilmu Hukum,Pradnya Paramitha,Jakarta, 1990
Huala Adolf, Dasar-Dasar Hukum Kontrak Internasional, Refika Aditama,Bandung 2008
Kasmir, Bank dan Lembaga Keuangan Lainnya, Rajawali Pers, Jakarta, 2013
Ramlan Ginting, Letter of Credit Tinjauan Aspek Hukum & Bisnis, Penerbit Unversita Trisakti,Jakarta, 2015
Soepriyo Andhibroto, Letter of Credit : Dalam Teori dan Praktek, Dahara Prize, Semarang, 1992
Philipus.M. Hadjon.Perlindungan Hukum Bagi Rakyat di Indonesia. Bina Ilmu, Surabaya, 1987
Sarah DI Roero, Perlindungan terhadap bank dalam transaksi perdagangan dengan mengunakan sarana letter of credit, Jurnal Ilmiah, Universitas Samratulangi,Manado, 2013,
Amir, MS, Kontrak Dagang Ekspor, Penerbit PPM,Jakarta, 2002
Lukmanul Hakim, Prinsip kehati hatian pada lembaga perbankan dalam pemberian kredit, Jurnal Ilmiah, Universitas Bandar Lampung,Bandar Lampung, 2018
Uswatun Hasanah, Perlindungan Hukum Nasabah, Filosofi, Teori dan Konstruksi, Interpena, Yogyakarta, 2012,
Regulation
Peraturan Pemerintah No.1 tahun 1982 tentang Pelaksanaan Ekspor, Impor dan Lalu Lintas Devisa
Surat Edaran Bank Indonesia No. 26/34/ULN tanggal 17 Desember 1993 yang mengatur mengenai penundukan L/C pada UCP yang berlaku.
Uniform Customers and Practice For Documentary Credits ( UCP ) 600
Undang-Undang Nomor.23 tahun 1999 tentang Bank Indonesia
Undang-Undang Nomor 10 Tahun 1998 Perubahan Undang-undangNomor 7 Tahun 1992 tentang Perbankan