Consumer Legal Protection Against The Use of Standard Clauses in Consumer Cooperative Credit Agreements

I Kadek Adi Dana Yasa

Abstract


The use of standard clauses in credit agreements in non-bank financial institutions, particularly consumer cooperatives, often creates an imbalance of position between the cooperative as creditor and the member as debtor/consumer. This study aims to analyze legal protection for consumers regarding the application of exoneration standard clauses based on Law Number 8 of 1999 concerning Consumer Protection and the juridical implication of such clauses being null and void by law. The research method used is normative legal research (doctrinal legal research) with a statutory approach and a conceptual approach. The results show that standard clauses that transfer liability or impose unilateral sanctions are contrary to Article 18 of Law No. 8 of 1999, and thus are null and void by law. Responsive supervision and standardization of credit contracts based on the principle of good faith are essential to ensure legal certainty and justice for cooperative members.


Keywords


Standard Clause, Consumer Protection, Credit Agreement, Consumer Cooperative, Civil Law

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DOI: https://doi.org/10.5281/zenodo.23936159

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