ANALISIS KLAUSULA BAKU DALAM SYARAT DAN KETENTUAN UMUM PERJANJIAN PEMBIAYAAN

GEDE AGUNG KURNIAWAN GEDE AGUNG KURNIAWAN; Karlie Hanafi  Kalianda

doi:10.48171/dejure.v6i3.175

Authors

GEDE AGUNG KURNIAWAN Program Magister Ilmu Hukum STIH Sultan Adam
Karlie Hanafi Kalianda

DOI:

https://doi.org/10.48171/dejure.v6i3.175

Keywords:

standard clauses, agreement, consumer financing, consumer protection

Abstract

A standard clause refers to any rule, provision, or condition that is unilaterally prepared and set in advance by a business entity, documented in a binding agreement or document that consumers are required to follow. Essentially, a standard contract arises from the public's need to simplify and streamline transactions. This study aims to examine and analyze the implementation of standard clauses in financing in accordance with relevant laws and regulations, specifically to protect consumers from detrimental standard clauses in financing agreements.

Using a normative research methodology, using the standard contract document from a financing agreement with PT. Toyota Astra Financial Services (TAF) as the object of research, this analysis evaluates the compliance of these standard clauses with applicable regulations and identifies potential violations of consumer rights.

The results indicate that many standard clauses conflict with existing legal provisions, potentially harming consumers and undermining contractual fairness, resulting in the agreement being invalid and potentially void. Furthermore, this study uncovers significant gaps in consumer awareness regarding their rights and the legal recourse available to them when faced with unfair contract terms. The implications of this research underscore the need for stronger regulatory oversight and increased consumer education to mitigate the risks associated with standard clauses in financing agreements

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