TINJAUAN YURIDIS PELANGGARAN RAHASIA BANK TERKAIT DATA NASABAH PENYIMPAN DAN SIMPANANNYA YANG DILAKUKAN OLEH MANTAN PEGAWAI BANK

JUDICIAL REVIEW OF BANK'S CONFIDENTIAL VIOLATIONS WITH RELATED TO CUSTOMER DATA CONDITIONED AND ITS STORAGE BY FORMER BANK EMPLOYEES

Abstrak

Rahasia bank adalah segala yang terkait dengan nasabah penyimpan dan simpanannya. Pihak terafiliasi yang memiliki kewajiban menjaga rahasia bank antara lain anggota dewan komisaris, direksi bank, pegawai bank, dan pihak terafiliasi lainnya. Negara Indonesia menganut teori rahasia bank yang bersifat relatif artinya rahasia bank dapat dibuka jika ada kepentingan mendesak untuk kepentingan masyarakat dan negara. Sehingga, pihak bank dan pihak terafiliasi dilarang membuka rahasia bank berdasarkan ketentuan yang diatur dalam Perundang-Undangan. Temuan kasus pelanggaran rahasia bank yang dilakukan mantan pegawai bank melalui jual beli data nasabah menjadi hal yang perlu dikaji secara lebih lanjut. Hal tersebut dikarenakan pengaturan mengenai mantan pegawai bank dalam menjaga rahasia bank belum diatur dalam Perundang-Undangan di Indonesia. Tujuan dari penelitian ini untuk mengetahui kewajiban menjaga rahasia bank bagi mantan pegawai dapatkah dibenarkan berdasarkan perundang-undangan yang berlaku di Indonesia dan akibat hukum yang diperoleh mantan pegawai bank atas pelanggaran rahasia bank. Penelitian ini menggunakan metode penelitian hukum normatif dengan mengumpulkan bahan hukum primer dan bahan hukum sekunder kemudian dianalisis untuk mendapatkan jawaban dari rumusan masalah. Hasil penelitian disimpulkan menjadi dua; pertama bahwa kewajiban menjaga rahasia bank bagi mantan pegawai bank belum dapat dibenarkan berdasarakan Peraturan Perundang-Undangan yang berlaku di Indonesia, namun hanya dapat dibenarkan berdasarkan kode etik sebagai kewajiban moral. Kedua Pelanggaran rahasia bank di Indonesia merupakan pelanggaran pidana dan akibat hukumnya berupa pemberian sanksi pidana, namun sanksi pidana belum dapat diterapkan bagi mantan pegawai bank di Indonesia.

Kata Kunci : Rahasia Bank, Mantan Pegawai Bank, Data Nasabah

Abstract

Bank secrecy is everything related to the customer’s deposits and deposits. Affiliated parties that should protect bank secrecy include the board of commissioners, the bank directors, the bank employees, and the other affiliated parties. Indonesia adheres to the theory of bank secrecy which is relative, meaning that the secrets of the bank can be disclosed if there are any urgent interests for the public and the state. So that the bank and affiliated parties are prohibited from disclosing the secret of the bank without the exception provisions stipulated in the Prevailing Laws. The cases of bank secrecy found by former bank employees through buying and selling of customer data are things that need to be studied further. This is because the regulations that regarding the former bank employees in safeguarding bank secrecy have not yet been issued in the Prevailing Laws in Indonesia. The purpose of this study is to determine whether bank obligations for former employees can be justified based on the prevailing laws and regulations in Indonesia and the law consequences obtained by former bank employees for violating bank secrecy. This research method uses normative legal research methods by collecting primary and secondary legal materials and then analyzed to get answers to the formulation of the problem. The results of the study were concluded into two parts; firstly, that the obligation to maintain bank secrecy for former bank employees cannot be justified based on the prevailing laws and the regulations in Indonesia, but can only be justified based on the code of ethics as a moral obligation. Secondly, violation of bank secrecy in Indonesia is a criminal offense and the law consequence is the provision of criminal sanctions, however the criminal sanctions have not been applied to former bank employees in Indonesia.

Keywords: Bank Secrecy, Former Bank Employee, Customer Data