Abrar, Muhammad Luthfi Al (2025) Tinjauan Yuridis Persyaratan Pembukaan Rekening Tabungan Anak Pada Bank Riau Kepri Dikaitkan Dengan Syarat Dewasa Dalam Hukum Positif Di Indonesia. Other thesis, Universitas Islam Riau.

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Abstract

This study aims to analyze the juridical requirements for opening a child's savings account at Bank Riau Kepri by relating it to the legal age provisions according to positive law in Indonesia. In Indonesian law, the age of majority is 18 years as stipulated in Law Number 1 of 1974 concerning Marriage and the Civil Code. When opening an account, there are several requirements that must be met by each customer. One of them concerns the age requirement. In banking practice, to open an account, customers must be at least 17 years old and possess an ID card (KTP). The issue that arises is that the age requirement and the possession of an ID card are inconsistent with the provisions regulating the age of majority for making agreements. The author also aims to understand how standard agreements are regulated in opening children's savings accounts and to analyze the legal aspects if this issue is linked with the age of majority requirements. This study uses a empirical approach with descriptive analysis to illustrate how these regulations are applied in banking practices, particularly in children's savings products. The research findings indicate that Bank Riau Kepri has established policies in accordance with applicable laws, wherein parents or legal guardians of the child are required to accompany and give consent for opening a child's savings account. This policy aims to protect the rights of the child and ensure that financial transactions are conducted under the supervision of a responsible adult. The study concludes that the requirements for opening a child's savings account at Bank Riau Kepri comply with positive law in Indonesia, but further socialization is recommended to the public regarding the importance of legal understanding in banking transactions for children.

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