Tinjauan Yuridis Terhadap Gesek Tunai Pada Kartu Kredit Sebagai Alat Pembayaran

Abstract

Cash swipe is a practical way to deal with the high cost of withdrawals at ATMs. Because
withdrawing credit card cash from an ATM machine will be exposed to a very high interest expense,
whereas if the credit card holder does cash swipe at the merchant the fee that will be charged to the card
holder is only 3% for each transaction. In the city area of Pekanbaru itself there are many shops that
provide cash swipe services. Since the issuance of the latest PBI regulation governing credit cards, namely
PBI Number 14/2 / PBI / 2012 concerning the Implementation of Card-Based Payment Instruments, the use
of credit cards other than as a means of payment is expressly prohibited by Bank Indonesia. The purpose of
writing this thesis, namely; First, to find out the causes of the practice of cash friction is still mostly done in
the community, Secondly, to find out the legal consequences of the practice of cash friction using credit
cards.
This type of research can be classified in the type of sociological juridical research, because in this
study the author immediately conducted research at the location or place under study in order to provide a
complete and clear picture of the problem under study. This research was conducted in the area of
Pekanbaru City, while the population and samples were all parties related to the problems examined in this
study, data sources used, primary data, secondary data, and tertiary data, data collection techniques in this
study with interviews, questionnaire, and literature review.
Based on the results of the research problem, there are two main things that can be concluded.
First, many of the causes of cash swift practice are still carried out by the community, such as; fees charged
to cardholders are cheaper; no withdrawal limit; places that receive cash swipe services can be easily
found. Second, the regulations issued regarding the prohibition to conduct cash swipe transactions are
contained in PBI No. 11/11 / PBI / 2009 as amended by PBI No. 14/2 / PBI / 2012. If violating will be
subject to administrative sanctions. The author's advice, First, should the card holder avoid withdrawal of
funds through cash swipes. Second, the merchant is expected to be honest in doing business. Thirdly, the
bank that issues katu is expected to comply with the rules and educate merchants about the ban on providing
cash friction services, fourth , BI is expected to increase the supervision and control of credit card issuing
banks so there will be no more abuse in using credit cards.
Keywords: Swipe Cash - Credit Card - Payment Tool