PERLINDUNGAN HUKUM TERHADAP KONSUMEN/DEBITUR YANG MENGALAMI KENAIKAN SUKU BUNGA SECARA SEPIHAK DALAM PROSES KREDIT BANK

Abstract

In the credit process, it is not uncommon for banks not to carry out their rights and obligations as they should and often end up taking the customer for granted. This trivialization usually takes the form of unilateral changes in interest rates by the bank. Cases that are in line with the problem can be seen in decision Number: 248/Pdt.G/2021/Pn Kpg. The formulation of the problem in this research is how legal protection and efforts can be made so that customers/debtors avoid losses due to unilateral increases in interest rates. This research uses the Normative Juridical method using a Legislative and Case approach. This research shows that the state has provided legal protection and created comprehensive measures for customers who experience unilateral changes in interest rates.