Inconsistency in freedom of contract for banking dispute resolution in Indonesia

Suryadi, Suryadi; Marwa, Muhammad Habibi Miftakhul; Muhammadi, Fauzan; Zuliyah, Siti; Megawati, Megawati

doi:10.22219/ljih.v32i2.33121

Akses terbuka Jurnal

Inconsistency in freedom of contract for banking dispute resolution in Indonesia

Legality: Jurnal Ilmiah Hukum · Vol. 32 No. 2 (2024) · hlm. 221–237

DOI: 10.22219/ljih.v32i2.33121
ISSN: 2549-4600, 0854-6509
Terbit: 2024-07-02
Penerbit: Faculty of Law, University of Muhammadiyah Malang
Bahasa: eng
Lisensi: creativecommons.org/licenses/by-sa/4.0

Abstrak

This research interprets the manner and existence of contradictions in POJK No. 61/POJK.07/2020's declaration regarding the freedom of contract while choosing banking dispute resolution forums. Primary and secondary legal materials comprise most of the secondary data in this normative legal study. The information was gathered from the literature and examined using analytical and interpretive methods. The study's findings emphasised how Indonesian banking dispute resolution forums are chosen inconsistently with the idea of freedom of contract. The findings demonstrated the necessity of legal harmony in rulemaking to guarantee the coherence and consistency of all legal principles underlying different laws. This article argues that legal harmony is essential for aligning various legal concepts across diverse regulations and significantly contributes to the identification of the policy's inconsistency, which restricts the ability to choose a banking dispute settlement venue without restriction. The findings of this study may provide the basis for more research on how the policy affects banks and their clients. The findings could also be used as a reference for policymakers to improve the current policy and to ensure that the principle of freedom of contract is preserved in banking dispute resolution. Overall, this research provides valuable insights into the current policy and its impact on the banking industry in Indonesia.

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22 penulis · 47 tautan kepenulisan bersama · 26 lintas organisasi

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Universitas Ahmad Dahlan
Universitas Islam Negeri Sultan Syarif Kasim Riau
Universitas Jambi
Diponegoro University
Universitas Muhammadiyah Malang
Al-Azhar University
Lancaster University
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Tampilkan sebagai tabel

Rekan penulis	Organisasi	Artikel bersama
Ilham Yuli Isdiyanto	Universitas Ahmad Dahlan	2
Qhoiril Aldi Giansyah	Universitas Islam Negeri Sultan Syarif Kasim Riau	1
Idria Maita	Universitas Islam Negeri Sultan Syarif Kasim Riau	1
Febi Nur Salisah	Universitas Islam Negeri Sultan Syarif Kasim Riau	1
Khothibhatul Ummah	Diponegoro University	1
Darlis Darlis	Universitas Jambi	1
Suhessy Syarif	Universitas Jambi	1
Muhammad Afdal	Universitas Jambi	1
Eva Wulandari	Universitas Ahmad Dahlan	1
Muhammad Hajir Susanto	Universitas Ahmad Dahlan	1
Umair Fahmiddin	Al-Azhar University	1
Megawati Megawati	Sunan Gunung Djati State Islamic University Bandung	1
Muhammad Nur	Lancaster University	1
Anom Wahyu Asmorojati	Universitas Ahmad Dahlan	1
Sholahuddin Al-Fatih	Universitas Muhammadiyah Malang	1
Mohammad Azam Hussain	Universiti Utara Malaysia	1
Haris Haris	Universitas Muhammadiyah Malang	1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://ejournal.umm.ac.id/index.php/legality/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 8 Nov 2026.

Metadata asli (oai_dc)

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	<dc:title xml:lang="en-US">Inconsistency in freedom of contract for banking dispute resolution in Indonesia</dc:title>
	<dc:creator>Suryadi, Suryadi</dc:creator>
	<dc:creator>Marwa, Muhammad Habibi Miftakhul</dc:creator>
	<dc:creator>Muhammadi, Fauzan</dc:creator>
	<dc:creator>Zuliyah, Siti</dc:creator>
	<dc:creator>Megawati , Megawati</dc:creator>
	<dc:subject xml:lang="en-US">Inconsistency</dc:subject>
	<dc:subject xml:lang="en-US">Freedom of Contract</dc:subject>
	<dc:subject xml:lang="en-US">Banking</dc:subject>
	<dc:subject xml:lang="en-US">Dispute Resolution</dc:subject>
	<dc:description xml:lang="en-US">This research interprets the manner and existence of contradictions in POJK No. 61/POJK.07/2020's declaration regarding the freedom of contract while choosing banking dispute resolution forums. Primary and secondary legal materials comprise most of the secondary data in this normative legal study. The information was gathered from the literature and examined using analytical and interpretive methods. The study's findings emphasised how Indonesian banking dispute resolution forums are chosen inconsistently with the idea of freedom of contract. The findings demonstrated the necessity of legal harmony in rulemaking to guarantee the coherence and consistency of all legal principles underlying different laws. This article argues that legal harmony is essential for aligning various legal concepts across diverse regulations and significantly contributes to the identification of the policy's inconsistency, which restricts the ability to choose a banking dispute settlement venue without restriction. The findings of this study may provide the basis for more research on how the policy affects banks and their clients. The findings could also be used as a reference for policymakers to improve the current policy and to ensure that the principle of freedom of contract is preserved in banking dispute resolution. Overall, this research provides valuable insights into the current policy and its impact on the banking industry in Indonesia.</dc:description>
	<dc:publisher xml:lang="en-US">Faculty of Law, University of Muhammadiyah Malang</dc:publisher>
	<dc:date>2024-07-02</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ejournal.umm.ac.id/index.php/legality/article/view/33121</dc:identifier>
	<dc:identifier>10.22219/ljih.v32i2.33121</dc:identifier>
	<dc:source xml:lang="en-US">Legality : Jurnal Ilmiah Hukum; Vol. 32 No. 2 (2024): September; 221-237</dc:source>
	<dc:source>2549-4600</dc:source>
	<dc:source>0854-6509</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ejournal.umm.ac.id/index.php/legality/article/view/33121/14718</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2024 Suryadi Suryadi, Muhammad Habibi Miftakhul Marwa, Fauzan Muhammadi, Siti Zuliyah, Megawati Megawati </dc:rights>
	<dc:rights xml:lang="en-US">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
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