Banking Mediation As A Way In Settlement Of Disputes Between Banks And Customers

Abstract

ABSTRACT

The practice of bank customer transactions cannot be separated from a risk, there are several risks that often occur, namely disputes between the bank and the customer. When the legal relationship between the customer and the bank begins, then since then there is a possibility of opening a dispute between the parties. Settlement of disputes between banks and customers can be done through alternative dispute resolution through mediation. The problem in this writing is how to resolve banking disputes through banking mediation and how are the benefits of banking mediation as an alternative dispute resolution in banking dispute resolution. The type of research used in this study is included in normative legal research which places law as a building system of norms. The data used for this research is secondary data. The collected data were analyzed using qualitative methods. Based on the results of the study, it was concluded that first the implementation of banking dispute resolution through banking mediation institutions was carried out through two stages, namely the first stage, the settlement of customer complaints was carried out at the second internal bank unit, namely through a banking mediation institution facilitated by Bank Indonesia, the second is the benefits of banking mediation as an alternative dispute resolution in resolving banking disputes, one of which is to achieve equality between different parties with conflicts so that a solution can be reached between the parties.

Keywords: Mediation, Bank, Dispute Resolution