SETTINGS ABOUT CHANGE INTEREST RATE BY BANK

Yosi Isnaini(1), Candra Irawan(2), Widiya N Rosari(3),
(1) Bank Bengkulu, Indonesia
(2) Universitas Bengkulu, Indonesia
(3) Universitas Bengkulu, Indonesia

Abstract


Banking in Indonesia has a strategic goal and not merely economically oriented, but also oriented to noneconomic matters such as issues involving national stability, among others, political and social stability. It is set in the Law No. 10 of 1998 which explains that the purpose of banking in Indonesia is to support the implementation of national development in order to improve equity, economic growth and national stability towards improving the welfare of the people. This research is descriptive analytical. This study is normative legal research. Based on the field of legal normative research, the approach of the problem used was the legislation approach. Data collection technique applied was primary and secondary legal materials. The data processing conducted editing and coding data. Normative legal research, the analysis of data processing substantially means activities to hold systematization of written legal materials. Related to Banking Information Transparency, Bank Indonesia issued Bank Indonesia Regulation Number 7/6/PBI/2005 concerning Transparency in Bank Product Information and Use of Customer Personal Data. From the considerations of Bank Indonesia Regulation Number 7/6/PBI/2005 it is seen that it means to protect the rights of customers as users of banking services, as mandated in Consumer Protection Act. Based on the research result, legal protection of the customer in the event of lending rates changes has been highly protected by the government through regulations that have been set. The government has put the customer in balanced position with the bank. In case things are deemed detrimental to customers of the bank actions to make changes in interest rates without notice, the customers have been given a way by the government to resolve the issue through mediation institutions and the judiciary.

Keywords: Banks, Lending Rate, and Customers


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References


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