Perlindungan Hukum bagi Nasabah dalam Menghadapi Resiko Rush Money di Indonesia

Maria Louisa Siregar, Cantika Qori Nirmalasari, Halim Rahmansah

Abstract


Banking is one of the important sectors in the Indonesian economy, but the frequent problem of rush money can threaten the stability of the banking system. Rush money, which occurs when many customers withdraw their funds simultaneously, can cause a liquidity crisis that is detrimental to banks and the economy. In dealing with this phenomenon, legal protection for customers is very important. This article aims to analyze the effectiveness of legal protection for customers in dealing with the risk of rush money in Indonesia, focusing on Law Number 10 of 1998 concerning Banking and the role of the Deposit Insurance Agency (LPS). This study shows that although existing legal regulations are sufficient to protect customers, their effectiveness is still limited by several factors, such as the lack of socialization to customers regarding their rights and the late response from the authorities. LPS plays an important role in maintaining the stability of the banking system, especially in guaranteeing customer deposits and intervening in banks experiencing liquidity problems. Therefore, it is necessary to increase education for customers and strengthen coordination between related institutions to increase the effectiveness of legal protection and maintain the stability of the banking sector in Indonesia.

Keywords


legal protection, rush money, Deposit Insurance Agency.

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References


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DOI: https://doi.org/10.5281/zenodo.14195381

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