ANALISIS YURIDIS TERHADAP TINDAKAN PEMBLOKIRAN REKENING NASABAH OLEH BANK MANDIRI DALAM PUTUSAN NOMOR 112/PDT.G/2022/PN YYK
DOI:
https://doi.org/10.31004/joecy.v6i1.7632Keywords:
Customer Legal Protection, Account Blocking, Banking, Prudential Principle, Yogyakarta District Court Decision, Perlindungan Hukum Nasabah, Pemblokiran Rekening, Perbankan, Asas Kehati-Hatian, Putusan PN YogyakartaAbstract
This study examines legal protection for customers against bank account blocking, focusing on Decision Number 112/Pdt.G/2022/PN Yogyakarta. Account blocking is a crucial issue because it directly impacts customers' rights to their funds and demands banks' compliance with the principles of prudence, legal certainty, and consumer protection. This study uses a normative juridical method by examining primary legal materials in the form of laws and regulations related to banking and consumer protection, as well as court decisions, and secondary legal materials in the form of legal literature discussing bank authority and the protection of customer rights. The research approach includes a statute approach to assess the compliance of bank actions with regulations, and a case approach to analyze the judge's considerations in the court decision. The results show that Bank Mandiri's account blocking in this case lacks a valid legal basis because the blocked account is not related to a criminal process or a civil decision. The judge's decision emphasizes the importance of legal certainty, the principle of bank prudence, the principle of finality of payment, and consumer protection in the financial services sector. This research emphasizes the urgency of banks' compliance with clear legal procedures, while simultaneously strengthening customers' positions in asserting their rights. These findings are expected to serve as a practical reference for legally managing account blocking and enrich the literature on banking law in Indonesia.
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Copyright (c) 2026 Aditya Ariawan, Aida Hanan Putri Salsabil, Annisa Ramadhani Hartanto , Aryadika Syaban, Fariz Amrullah Hakim, Naila Adiska Putri, Nugroho Syahrul Romadhon
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