CD Skripsi
Perlindungan Hukum Terhadap Nasabah Pengguna Atm Setor Tunai Pada Bank Negara Indonesia (Bni) Cabang Pasar Bawah Pekanbaru
ABSTRACT
The use of ATMs as a facility to make it easier for customers to make cash
withdrawals with banks has changed the banking transaction process from
conventional to virtual in nature where parties do not meet in person but simply
through electronic media. The use of ATMs, which provide various banking
transactions is simpler and faster, however in fact the use of ATMs can cause
problems in usage for customers.
This type of legal research is sociological legal research, which in this
research, is carried out directly into the field to collect primary data, and uses
descriptive methods. Meanwhile, if viewed from the nature of this research is
descriptive.
The results of this study are the losses experienced by customers in carrying
out cash deposit transactions at BNI ATMs Pasar Bawah Pekanbaru branch
which are problematic are material and immaterial losses. Material loss because
the customer has not received compensation for lost money due to a
malfunctioning cash deposit ATM. The immaterial loss suffered by the customer is
that a lot of time is wasted in handling the complaints procedure to the bank. The
responsibility of BNI Bank, Pasar Bawah, Pekanbaru branch for losses suffered
by customers in carrying out cash deposit transactions at problematic ATMs is
still not maximized, such as settlement times that are not in accordance with
SOPs. The bank only accepts customer complaint reports and is still being
processed. For compensation, the bank has not yet realized it because it is still in
the process of settlement.
Keywords: Legal Protection, Customers, ATM
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