Analisis Posisi Hukum Saldo Top-Up pada Emoney Sebagai Simpanan Dana Konsumen dalam Perspektif Undang-Undang Perbankan: Penelitian

Lidia Simanjuntak; Nin Yasmine Lisasih

doi:10.31004/jerkin.v4i3.5183

Authors

Lidia Simanjuntak Universitas Esa Unggul
Nin Yasmine Lisasih Universitas Esa Unggul

DOI:

https://doi.org/10.31004/jerkin.v4i3.5183

Keywords:

E-Money, Top-Up Balance, Consumer Protection, E-Commerce, Float Fund

Abstract

This research is motivated by the unclear legal status of e-money top-up balances and e-commerce stored balances, which function as consumer funds but lack legal certainty under banking regulations, leading to two research questions regarding consumer legal protection and the legal obligations of e-commerce, analyzed through a normative legal research method using statutory, conceptual, and case approaches supported by legal protection theory and consumer protection theory. The first discussion shows that e-money balances are not categorized as bank deposits and are therefore not guaranteed by the Deposit Insurance Corporation, while Bank Indonesia’s float fund regulation provides limited protection that still leaves a normative gap for consumers. The second discussion demonstrates that e- commerce platforms offering stored balances are legally required to segregate consumer funds, apply prudential standards, ensure transparency, and provide compensation mechanisms in accordance with the Banking Act and the Consumer Protection Act. This study concludes that legal protection for e-money balances is not yet optimal and that e- commerce obligations are not fully implemented, recommending regulatory harmonization among the Banking Act, the Electronic Money Regulation, and the Consumer Protection Act, along with strengthened guarantee and dispute resolution mechanisms for consumers.

References

Aristotle. (1984). Nicomachean ethics (M. Ostwald, Trans.). Prentice Hall.

Bank Indonesia. (2018). Peraturan Bank Indonesia Nomor 20/6/PBI/2018 tentang uang elektronik. https://www.bi.go.id

Charisma, U. (2018). Top up e-toll card dalam perspektif hukum ekonomi Islam. Institut Agama Islam Negeri Ponorogo.

Dewan Syariah Nasional Majelis Ulama Indonesia. (n.d.). Fatwa DSN–MUI. https://mui.or.id

Friedman, L. M. (1975). The legal system: A social science perspective. Russell Sage Foundation.

Fuady, M. (2014). Hukum pailit dalam teori dan praktik. Citra Aditya Bakti.

Hadjon, P. M. (1987). Perlindungan hukum bagi rakyat di Indonesia. Bina Ilmu.

Hermansyah. (2011). Hukum perbankan nasional Indonesia (Rev. ed.). Kencana Prenada Media Group.

Hukumonline. (2025). BI: Peraturan e-money untuk tertibkan harga. https://www.hukumonline.com

Husein, Y. (2005). Laporan akhir tim analisis dan evaluasi hukum tentang perubahan Undang-Undang Perbankan (UU No. 7 Tahun 1992 jo. UU No. 10 Tahun 1998). Badan Pembinaan Hukum Nasional, Departemen Hukum dan Hak Asasi Manusia Republik Indonesia.

Ibrahim, J. (2007). Teori dan metodologi penelitian hukum normatif. Bayumedia Publishing.

Jurnal Universitas Pahlawan. (2025). Hierarki hukum perbankan syariah di Indonesia. https://journal.universitaspahlawan.ac.id

Kelsen, H. (1967). Pure theory of law. University of California Press.

Mahkamah Agung Republik Indonesia. (2025). Direktori putusan Mahkamah Agung Republik Indonesia. https://putusan3.mahkamahagung.go.id

Makarim, E. (2020). Pengantar hukum telematika: Suatu kompilasi kajian. RajaGrafindo Persada.

Miru, A., & Yodo, S. (2014). Hukum perlindungan konsumen. Rajawali Pers.

Nasution, A. Z. (2015). Hukum perlindungan konsumen: Suatu pengantar (Rev. ed.). Diadit Media.

Nasution, B. J. (2008). Metode penelitian ilmu hukum. Mandar Maju.

Pound, R. (1910). An introduction to the philosophy of law. Yale University Press.

Rahardjo, S. (n.d.). Perlindungan hukum konsumen dalam perspektif hukum Indonesia.

Rahmawati, N., Tenofrimer, T., & Elvandari, S. (2023). Hierarki hukum perbankan syariah di Indonesia. MONEY: Journal of Financial and Islamic Banking, 1(1), 1–10.

Shofie, Y. (2011). Tanggung jawab produsen atas kerugian konsumen akibat cacat produk (product liability). Citra Aditya Bakti.

Sidharta. (2006). Hukum perlindungan konsumen Indonesia. Grasindo.

Sitompul, Z. (2004). Lembaga penjamin simpanan: Suatu tinjauan hukum. Books Terrace & Library.

Soekanto, S., & Mamudji, S. (2015). Penelitian hukum normatif: Suatu tinjauan singkat. Rajawali Pers.

Susanti, D. O., & Efendi, A. (2014). Penelitian hukum (legal research). Sinar Grafika.

Sutedi, A. (2010). Hukum perbankan: Suatu tinjauan pencucian uang, merger, likuidasi, dan kepailitan. Sinar Grafika.

Sutedi, A. (2014). Aspek hukum otoritas jasa keuangan. Raih Asa Sukses.

Usman, R. (2012). Aspek-aspek hukum perbankan di Indonesia. Sinar Grafika.

Usman, R. (2017). Karakteristik uang elektronik dalam sistem pembayaran. Yuridika, 32(1), 134–166.

Zulfirman. (2025). Evaluasi penerapan Undang-Undang perbankan terhadap tindak pidana kredit macet di PT Bank Rakyat Indonesia KCP Lubuk Basung. Universitas Hasanuddin.