Legal protection of KSPPS members in the use of the exoneration clause in Central Java

Moh. Arifin*  -  Universitas Islam Negeri (UIN) Walisongo Semarang, Indonesia
Ali Maskur  -  Universitas Islam Negeri (UIN) Walisongo Semarang, Indonesia
Afif Noor  -  Universitas Islam Negeri (UIN) Walisongo Semarang, Indonesia

(*) Corresponding Author

Legal protection for members of the Cooperative for Savings Loans and Sharia Financing (KSPPS) is important to protect the rights of cooperative members in accordance with Law Number 8 of 1999 concerning Consumer Protection. In loans practices, KSPPS often uses a standard agreement which includes an exoneration clause for time effectiveness and efficiency. However, the use of a standard agreement that contains an exoneration clause is more beneficial to the KSPPS and disadvantages the cooperative members as consumers because as a member of the consumer cooperative they do not have the opportunity to negotiate the contents of the standard agreement and must forcefully agree on the standard agreement so that the financing application he submits is granted by KSPPS.

This research is an empirical juridical study with a conceptual and statutory approach using qualitative analysis. This research was conducted at KSPPS in Central Java by taking samples from five districts / cities based on residency areas. The results of this study indicate that the standard agreement containing the exoneration clause is still often used by KSPPS, therefore it is necessary to disseminate information to cooperative managers and cooperative members in order to minimize the use of standard agreements containing exoneration clauses so that the rights of the parties can be fulfilled and avoid elements of defects of will which is contrary to the principles in the agreement.

Keywords : KSPPS, Exoneration Clause and Consumer Protection

  1. Ali, Achmad, Menguak Tabir Hukum (Suatu Kajian Filosofis dan Sosiologis) (Jakarta: PT. Gunung Agung Tbk, 2012)
  2. Anwar, Syamsul, Hukum Perjanjian Syariah (Jakarta: PT. RajaGrafindo Persada, 2007)
  3. Badrulzaman, Mariam Darus, Aneka Hukum Bisnis (Bandung: Alumni, 1994)
  4. ___________, Kompilasi Hukum Perikatan (Bandung: Alumni, 2001)
  5. Handayani, Fajar Nugroho, Penggunaan Klausula Baku Yang Dilarang Menurut Hukum Perlindungan Konsumen (Ponorogo: Uwais Inspirasi Indonesia, 2020)
  6. Haroen, Nasrun, Fiqh Muamalah (Jakarta: Gaya Media Pratama, 2009)
  7. HS, Salim, Perkembangan Teori Dalam Ilmu Hukum (Jakarta: Rajawali Press, 2010)
  8. Puwosusilo, Aspek Hukum Pengadaan Barang dan Jasa (Jakarta: Kencana, 2017)
  9. Rahardjo, Satjipto, Ilmu hukum (Bandung: Citra Aditya Bakti, Cetakan ke-V, 2000)
  10. _______________, Ilmu hukum, (Bandung: Citra Aditya Bakti, 2012)
  11. Santoso, Edy, Pengaruh Globalisasi Terhadap Hukum Bisnis Di Indonesia (Jakarta: Prenada Media Group 2018)
  12. Suharnoko, Hukum Perjanjian (Jakarta: Prenada Media Kencana, 2014)
  13. Sukarmi, Cyber Law Kontrak Elektronik Dalam Bayang-Bayang Pelaku Usaha (Bandung: Pustaka Sutra, 2008)
  14. Sofhie, Yusuf, Perlindungan Konsumen dan Instrumen-Intrumen Hukumnya (Bandung: Citra Aditya Bhakti, 2000)
  15. Tobing, David ML, Klausula Baku: Paradog dalam Penegakan Hukum Perlindungan Konsumen (Jakarta: Gramedia Pustaka Utama, 2019)
  17. Code of Civil law
  18. Law No. 8 of 1999 concerning Consumer Protection
  19. Regulation of the Minister of Cooperatives and Small and Medium Enterprises No. 11/PER/M.KUKM/XII/2017 concerning the Implementation of Saving and Loan Business Activities and Syari'ah Financing by Cooperatives

Open Access Copyright (c) 2020 Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam
Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

ULUL ALBAB: Jurnal Studi dan Penelitian Hukum Islam
Published by Department of Sharia, Faculty of Islamic Studies, Universitas Islam Sultan Agung Semarang
Jl. Kaligawe Ray KM. 4 Semarang, Indonesia
Phone: +6281 359100363
Email: [email protected]


ISSN: 2597-6168 (Print)
ISSN: 2597-6176 (Online)
DOI : 10.30659/jua

This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License

Get a feed by atom here, RRS2 here and OAI Links here