ANALISIS KEKUATAN HUKUM PUTUSAN BADAN PENYELESAIAN SENGKETA KONSUMEN (BPSK) TERHADAP SENGKETA LEMBAGA PEMBIAYAAN KENDARAN BERMOTOR (STUDI KASUS PUTUSAN BPSK NOMOR 053/ARB/2018/BPSK.MDN)

NURLAILA NASUTION, NPM 231200013 (2025) ANALISIS KEKUATAN HUKUM PUTUSAN BADAN PENYELESAIAN SENGKETA KONSUMEN (BPSK) TERHADAP SENGKETA LEMBAGA PEMBIAYAAN KENDARAN BERMOTOR (STUDI KASUS PUTUSAN BPSK NOMOR 053/ARB/2018/BPSK.MDN). Masters thesis, Universitas Labuhanbatu.

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Abstract

Permasalahan sengketa konsumen dengan lembaga pembiayaan kerap terjadi, terutama terkait penarikan kendaraan secara sepihak. Badan Penyelesaian Sengketa Konsumen (BPSK) hadir sebagai lembaga non-litigasi yang memberikan solusi cepat dan murah bagi konsumen. Dalam kasus antara konsumen dengan SMS Finance di Padangsidimpuan, BPSK Medan telah mengeluarkan Putusan Nomor 053/ARB/2018/BPSK.MDN yang memenangkan pihak konsumen. Meskipun putusan tersebut bersifat final dan mengikat, konsumen tetap harus mengajukan permohonan eksekusi ke Pengadilan Negeri Padangsidimpuan karena pelaku usaha tidak melaksanakan putusan secara sukarela. Rumusan masalah dalam penelitian ini adalah: (1) Bagaimana bentuk perlindungan terhadap konsumen Lembaga pembiayaan kendaraan bermotor? kekuatan hukum putusan BPSK terhadap lembaga pembiayaan SMS Finance? (2) bagaimana pertimbangan majelis dalam memutus perkara sengketa? (3) Bagaimana kekuatan hukum putusan BPSK?. Metodelogi yang digunakan adalah yuridis normatif, dengan pendekatan kasus dan studi kepustakaan, serta dianalisis secara kualitatif terhadap regulasi yang berlaku dan fakta-fakta dalam putusan. Hasil penelitian menunjukkan bahwa putusan BPSK memiliki kekuatan hukum yang mengikat sesuai dengan Pasal 58 Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen. Namun, dalam praktik, pelaku usaha seringkali mengabaikan putusan tersebut karena tidak adanya sanksi langsung atau mekanisme eksekusi otomatis. Dalam kasus ini, meskipun putusan dapat dieksekusi melalui pengadilan negeri, prosesnya memakan waktu dan tenaga tambahan bagi konsumen. Kesimpulan dari penelitian ini adalah bahwa kekuatan hukum putusan BPSK secara normatif kuat, namun implementasinya masih lemah karena tidak didukung mekanisme eksekusi yang efektif. Saran yang diajukan yaitu perlu adanya reformulasi regulasi terkait eksekusi putusan BPSK, serta peningkatan koordinasi antara BPSK dan lembaga peradilan agar putusan BPSK benar-benar memberikan perlindungan hukum nyata bagi konsumen. Kata Kunci: Putusan BPSK, Kekuatan Hukum, Eksekusi, Lembaga Pembiayaan ============================================================================================= Disputes between consumers and financing institutions frequently occur, particularly in cases involving the unilateral repossession of vehicles. The Consumer Dispute Settlement Agency (BPSK) serves as a non-litigation institution that offers a fast and affordable resolution for consumers. In the case between a consumer and SMS Finance in Padangsidimpuan, BPSK Medan issued Decision Number 053/ARB/2018/BPSK.MDN in favor of the consumer. Although the decision is final and binding, the consumer was still required to file an execution request to the Padangsidimpuan District Court due to the business actor’s refusal to comply voluntarily. This study addresses the following research questions: (1) What form of protection is provided to consumers of motor vehicle financing institutions? What is the legal strength of BPSK’s decision against SMS Finance? (2) What were the panel’s considerations in adjudicating the dispute? (3) How legally binding is a BPSK decision?. The methodology used is normative juridical, with a case study and literature approach, and qualitative analysis of applicable regulations and case facts. The findings indicate that BPSK decisions are legally binding under Article 58 of Law Number 8 of 1999 on Consumer Protection. However, in practice, business actors often disregard such decisions due to the absence of direct sanctions or automatic enforcement mechanisms. In this case, while the decision could be enforced through the district court, the process required additional time and effort from the consumer. The study concludes that BPSK decisions have strong normative legal force but weak implementation due to the lack of an effective enforcement mechanism. It is recommended that regulations regarding the execution of BPSK decisions be reformulated, and coordination between BPSK and the judiciary be strengthened to ensure real legal protection for consumers. Keywords: BPSK Decision, Legal Force, Execution, Financing Institution, Consumer Protection

Item Type: Thesis (Masters)
Uncontrolled Keywords: Putusan BPSK, Kekuatan Hukum, Eksekusi, Lembaga Pembiayaan=================BPSK Decision, Legal Force, Execution, Financing Institution, Consumer Protection
Subjects: K Law > K Law (General)
Divisions: Fakultas Hukum > Hukum
Depositing User: Unnamed user with email repository@ulb.ac.id
Date Deposited: 24 Jul 2025 02:34
Last Modified: 24 Jul 2025 02:34
URI: http://repository.ulb.ac.id/id/eprint/1590

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