PERLINDUNGAN HUKUM BAGI PEMOHON KREDIT DENGAN MENGACU PADA ASAS KESEIMBANGAN ANTARA PELAKU USAHA (BANK) DAN KONSUMENNYA (PEMOHON KREDIT)

Abstract

Banking institutions as one of the financial institutions have a strategic role

in supporting the economic life of a country. Banking institutions meant here

as an intermediary of the parties who have surplus funds to the lack of funds.

Banking activities that provide services on the economic sector that do not in

spite of the risks that could harm the banks themselves and the customer.

Relationship between the bank and the customer is bound to a credit

agreement unnoticed by the debtor of his rights is often overlooked by the

bank. Guaranteeing the law protection and law certainty for the debtors

losing for such unilateral, the regulations of consumer protection, therefore,

have important functions. The type of research used in this paper is the

normative legal research. This research moved from the inclusion of the

standard clause that would open up opportunities for businesses, especially

banks to position the client, in this case the credit applicant, to be weaker

than the bank.