Sari, Nilam (2025) Penerapan Tanda Tangan Elektronik Dalam Perjanjian Kredit Di Bank Mandiri (persero) Tbk. Cabang Pekanbaru Garuda Sakti. Other thesis, Universitas Islam Riau.

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Abstract

Basically, the existence of electronic signatures was used when computer devices and smartphones began to be widely used by the public as a whole in Indonesia, It was this condition that made it easier for people to be able to carry out electronic transactions by utilizing electronic signatures, including in bank credit agreements. In accordance with the provisions of Law Number 19 of 2016 concerning Amendments to Law Number 11 of 2008 concerning Information and Electronic Transactions which states that electronic signatures have complete and perfect evidentiary powers like an authentic deed, However in its implementation there are still obstacles felt bng and customers. The formulation of the problems in this study are : first, how to apply elecronic signatures in credit agreement at Bank Mandiri (Persero) Tbk. Cabang Pekanbaru Garuda Sakti. Second, what are the obstacles ancountered in implementing electronic signatures on credit agreement at bank mandiri (persero) tbk. Pekanbaru garuda sakti branch. The type of research used by the author is empirical legal research, which means legal research that examines the law by conceptualising it as real behaviour and social symptoms that are not written and obtained by conducting interviews and direct observations obtained from the field. Data collection that the author uses through questionnaires and interviews. And the method of drawing conclusions that researchers use is the deductive method, namely from general things to specific things. The results of this study indicate that the use of electronic signatures in an agreement has legal force and legal consequences in accordance with the provisions of article 11 paragraph (1) of law number 19 of 2016 concerning amendments to law number 11 of 2008 concerning Electronic Information and Transactions. The application of electronic signatures in credit agreements is considered not afficient enough because the link factor sent by the bank often does not after the customer’s handphone and customer’s often do not use an active handphone number or even provide the wrong handphone number. Keywords :

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