은행 및 금융 교육 전문 기관으로 인도네시아에서 명성이 자자한 쁘르바나스 연구소문의
As a leading higher education institution, Perbanas Institute in recognising the importance of improving Indonesia’s banking industry has published an article highlighting the little protection offered towards customers from banks when applying for bank credit. Written by Perbanas lecturer Mr Arus Akbar Silondae, the article showcases how this inefficient practise has become a reoccurring phenomenon within the country’s banking industry and tackling this problem will prove to be a positive step towards a more transparent banking system in Indonesia.
Mr Silondae highlights how Indonesian banks implement standard contract formulation and conditions that are often unilaterally determined by the bank. This leads to a disadvantage for the customer when applying for bank credit, leading to many out-of-court settlements between banks and their customers when payment problems arise. As such, the article demonstrates how Indonesia’s Consumer Protection Act should be implemented in bank credit agreements to set the standard clause for provisions to protect the interests and rights of customers. Indonesian banks are obligated to heed the standard clause that provides the legal protection for customers in bank credit agreements.
This article demonstrates Perbanas Institute’s continuous efforts to contribute to a more transparent banking system in Indonesia. With the emergence of the AEC, Indonesian banks need to provide the necessary legal protection to customers, so as to attract further investment into the sector. By showcasing this issue, Perbanas hopes to spur a more progressive banking industry in Indonesia, which will help drive advancement in other sectors in the country.