Analisis Perlindungan Hukum Terhadap Keamanan Rahasia Bank Dalam Menjaga Kepentingan Data Nasabah Berdasarkan Prinsip Kepercayaan Kepada Bank (Studi Kasus Putusan Mahkamah Konstitusi Nomor 64/PUU-X/2012 Tentang Data Nasabah Bank Dan Simpanannya Untuk Kepentingan Harta Gono Gini Dalam Perkara Perdata Perceraian

Kubando, Putra (2022) Analisis Perlindungan Hukum Terhadap Keamanan Rahasia Bank Dalam Menjaga Kepentingan Data Nasabah Berdasarkan Prinsip Kepercayaan Kepada Bank (Studi Kasus Putusan Mahkamah Konstitusi Nomor 64/PUU-X/2012 Tentang Data Nasabah Bank Dan Simpanannya Untuk Kepentingan Harta Gono Gini Dalam Perkara Perdata Perceraian. Masters thesis, Universitas Islam Riau.

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Abstract

Based on the decision of the Constitutional Court Number 64/PUU-X/2012 regarding civil cases of divorce proceedings and the distribution of assets, there is an exception to the provisions related to bank secrecy, which initially became a matter of secrecy with the existence of this decision, then the matters regulated in article 40 Paragraphs (1) and (2) do not apply, in divorce cases, if the government is able to cover banking institutions to maintain bank trust and secrecy through regulations issued, the state can use bank secrecy as its competitive advantage, bank secrecy as a tool of economics. engineering is guided by a legal economics approach that prioritizes the purpose of legal benefits, so the importance of bank secrecy is when it is used as a tool of economic engineering aka as a means of driving the economy of a country. This type of research is normative legal research in the form of document studies, with the nature of the research being descriptive, namely providing a clear and detailed description of the main problem under study, namely the analysis of legal protection against bank secrecy security in protecting the interests of customer data based on the principle of trust in the bank ( Case Study of the Decision of the Constitutional Court Number 64/PUU-X/2012 concerning Bank Customer Data and Their Deposits for the Interest of Gono Gini's Assets in Divorce Civil Cases). The results of the research and discussion are the analysis of legal protection for the security of bank secrecy in protecting the interests of customers which in this case relates to the decision of the Constitutional Court Number 30/PUU-XVI/2018 regarding civil cases of divorce proceedings and the distribution of assets gono Gini in which there are legal exceptions to Article 40 paragraphs (1) and (2) which do not apply to similar cases, where if similar cases occur frequently, it cannot be denied that it can weaken the function of banking institutions and reduce customer confidence in the banking sector, then the government should be able to cover this matter. and take advantage of this and use the provisions of bank secrecy as a competitive advantage, by which the government can use bank secrecy as a tool of an economic driver for our country, given the importance of bank secrecy, bank secrecy is also important. It can determine where the wealth of a citizen flows, and it also determines the direction of the economy of a country.

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