APLIKASI PORTAL PERLINDUNGAN KONSUMEN (APPK) OTORITAS JASA KEUANGAN PENAJAMAN ASPEK PERLINDUNGAN PADA SISTEM JASA KEUANGAN

Abstract

The financial industry has a major role in supporting development and
the country’s economy as well as placing the consumer community using
financial services as the party who holds an important position in it. Aspects
of trust and efforts to protect consumers of financial services are points that
need attention and are constantly being pursued in order to increase trust in
Financial Services Businesses and their products (market confidence), thus
indirectly maintaining the sustainability of the financial industry itself. The
financial services industry, which generally utilizes high technology, has a large
potential for harm to consumer users which then leads to legal disputes. Efforts
to resolve the dispute will have a different dimension if it is carried out through
legal channels which are generally taken, namely through the courts, compared
to settlement through out-of-court settlement mechanisms. The nature of the
judiciary with all its characteristics is seen as not meeting the efficiency aspect
for consumer disputes. Therefore, a quick, low-cost and short settlement is
considered more appropriate for consumer dispute cases. Complaint handling
and dispute resolution mechanisms that are effective and efficient on the one
hand will strengthen consumer protection and on the other hand, in addition
to supporting the development of the financial services sector, will also increase
and improve the welfare of consumers and society