?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=PERJANJIAN+KREDIT+SECARA+ELEKTRONIK%0D%0A(STUDI+PADA+PT+BANK+NEGARA+INDONESIA+(PERSERO)+TBK)&rft.creator=+FARIZKY+ARIF+PRAZADA+%2C+1312011362&rft.subject=KZ+Law+of+Nations&rft.description=Perjanjian+kredit+secara+elektronik+oleh+PT+Bank+Negara+Indonesia+(Persero)+Tbk%0D%0Amerupakan+layanan+perbankan+elektronik%2C+berupa+fasilitas+kredit+secara+elektronik%0D%0Atanpa+agunan+yang+diberikan+kepada+nasabah+prioritas+untuk+segala+keperluan%0D%0Akonsumtif.+Pelaksanaan+perjanjian+tersebut+harus+memenuhi+ketentuan+di+dalam%0D%0APeraturan+Otoritas+Jasa+Keuangan+Nomor+38%2FPOJK.03%2F2016+tentang+Penerapan%0D%0AManajemen+Risiko+dalam+Penggunaan+Teknologi+Informasi+oleh+Bank+Umum.%0D%0ANamun%2C+penggunaan+teknologi+informasi+memiliki+risiko+terjadinya+peretasan%0D%0A(cracking).+Adapun+permasalahan+dalam+penelitian+ini%2C+yaitu+menganalisis+dasar%0D%0APT+Bank+Negara+Indonesia+(Persero)+Tbk+dalam+memberikan+persetujuan%0D%0Aperjanjian+tersebut%2C+kesesuaian+klausul+yang+diatur+di+dalam+peraturan+yang+terkait%0D%0Adengan+pelaksanaan+perjanjian+tersebut%2C+dan+bentuk+perlindungan+hukum+bagi%0D%0Adebitur+dalam+sistem+elektronik.%0D%0AJenis+penelitian+ini+adalah+normatif+empiris+dengan+tipe+penelitian+deskriptif%2C+yang%0D%0Amenggunakan+pendekatan+yuridis+empiris.+Data+yang+digunakan+adalah+data%0D%0Asekunder%2C+berupa+bahan+hukum+primer%2C+sekunder%2C+dan+tersier%2C+serta+data+primer%2C%0D%0Aberupa+wawancara+narasumber.+Pengumpulan+data+dilakukan+dengan+studi%0D%0Apustaka%2C+dokumen%2C+dan+wawancara%2C+yang+dianalisis+secara+kualitatif.%0D%0AHasil+penelitian+menunjukkan+bahwa+dasar+PT+Bank+Negara+Indonesia+(Persero)%0D%0ATbk+dalam+memberikan+persetujuan+perjanjian+tersebut+berdasarkan+Prinsip+The%0D%0AFive%E2%80%99s+C+of+Credit%2C+yang+berhubungan+langsung+dengan+kebijakan+internal+PT%0D%0ABank+Negara+Indonesia+(Persero)+Tbk%2C+meliputi+aspek+hubungan+calon+debitur%0D%0Adengan+BNI%2C+jumlah+dana+yang+diberikan+oleh+kreditur%2C+jangka+waktu+kredit%2C+dan%0D%0Areputasi+calon+debitur+dan+perusahaannya+di+masyarakat.+PT+Bank+Negara%0D%0AIndonesia+(Persero)+Tbk+telah+sesuai+dan+memenuhi+klausul-klausul+yang+diatur%0D%0Adalam+Peraturan+OJK+Nomor+38%2FPOJK.03%2F2016+untuk+menyelenggarakan%0D%0Aperjanjian+tersebut.+Berdasarkan+hasil+wawancara%2C+PT+Bank+Negara+Indonesia%0D%0A(Persero)+Tbk+memberikan+perlindungan+hukum+bagi+debitur+dalam+perjanjian+ini%2C%0D%0Aii%0D%0Aberupa+(1)+Perlindungan+data+pribadi+nasabah+dari+penggunaan+tanpa+izin%2C+(2)%0D%0APerlindungan+oleh+penyedia+jasa+teknologi+informasi+dan+penyelenggara+sistem%0D%0Aelektronik%2C+dan+(3)+Perlindungan+dari+akses+dan+interferensi+ilegal.%0D%0AKata+Kunci%3A+BNI%2C+Kredit+Elektronik%2C+Perjanjian+Kredit%0D%0A%0D%0A%0D%0A%0D%0AABSTRACT%0D%0A%0D%0A%0D%0AThe+electronically+credit+agreement+by+PT+Bank+Negara+Indonesia+(Persero)+Tbk%0D%0Ais+electronic+banking+service%2C+which+is+an+electronically+credit+facility+without+any%0D%0Acollateral%2C+that+is+given+to+the+priority+consumer+for+any+consumtive+needed.+The%0D%0Aimplementation+of+this+agreement+must+require+the+provisions+in+Otoritas+Jasa%0D%0AKeuangan+Regulation+No.+38%2FPOJK.03%2F2016+about+Risk+Managament%0D%0AImplementation+in+Information+Technology+Used+by+Public+Bank.+However%2C%0D%0Ainformation+technology+used+has+the+critical+risk+in+cracking.+The+issues+of+this%0D%0Aresearch+are+to+analyzing+the+authorized+of+PT+Bank+Negara+Indonesia+(Persero)%0D%0ATbk+in+giving+the+agreement%2C+the+suitability+of+clauses+which+are+regulated%2C+and%0D%0Athe+law+protection+for+debtor+in+electronic+system.%0D%0AThis+research+is+empirical-normative+with+descriptive+design%2C+which+uses+the%0D%0Aempirical-juridical+approach.+The+used+data%2C+is+secondary+data%2C+such+as+primary%2C%0D%0Asecondary%2C+and+tertiary+law+materials%2C+and+also+the+primary+data%2C+such+as%0D%0Ainterviewing+the+informants.+The+collecting+of+data+will+be+done+by+the+literature%0D%0Astudy%2C+document%2C+and+interview%2C+which+will+be+analysed+by+qualitative+method.%0D%0AThe+research+results+are%2C+the+authorized+of+PT+Bank+Negara+Indonesia+(Persero)%0D%0ATbk+in+giving+the+agreement+is+based+on+The+Five%E2%80%99s+C+of+Credit%2C+which+relates+to%0D%0Athe+internal+regulation+of+PT+Bank+Negara+Indonesia+(Persero)+Tbk%2C+such+as+the%0D%0Adebtor+candidate+relation+with+the+bank+aspect%2C+the+maximum+fund+from+the%0D%0Acreditor%2C+the+length+of+credit+time%2C+and+the+reputation+of+the+debtor+candidate+and%0D%0Atheir+companies+in+society.+PT+Bank+Negara+Indonesia+(Persero)+Tbk+is%0D%0Acompletely+consistent+and+accomplishing+the+clauses%2C+which+are+regulated+in+OJK%0D%0ARegulation+No.+38%2FPOJK.03%2F2016+to+held+the+agreement.+Based+on+the+interviews%2C%0D%0APT+Bank+Negara+Indonesia+(Persero)+Tbk+gives+the+law+protection+for+debtor+in%0D%0Athis+agreement%2C+such+as+(1)+The+consumer+private+information+protection+from+the%0D%0Aillegal+used%2C+(2)+The+protection+of+information+technology+organizer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