PELAKSANAAN PRINSIP IKTIKAD BAIK DALAM PRAKTIK PERJANJIAN PEMBIAYAAN KONSUMEN (STUDI KASUS PUTUSAN ARBITRASE NOMOR: 005/BPSK-LLG/ARBITRASE/V/2022) MELALUI BPSK KOTA LUBUKLINGGAU

• Nabilah Ramanda

  Universitas Bengkulu

  Author

• Wafiyah

  Universitas Bengkulu

  Author

• Kiki Amaliah

  Universitas Bengkulu

  Author

This study aims to determine and analyze the implementation and resolution of the principle of good faith in a consumer financing agreement dispute involving PT. BCA Finance and resolved through the BPSK of Lubuklinggau City. The research method used is a juridical-empirical legal research with a document study approach, review of BPSK decisions, and interviews with consumers, PT. BCA Finance, and BPSK officers. The results of the study indicate that the consumer (Hendri) has shown good faith by voluntarily handing over the vehicle and attending the trial at the BPSK. On the other hand, PT. BCA Finance was not transparent regarding the auction results, thus contradicting Article 1338 paragraph (3) of the Civil Code and Article 7 of the UUPK which emphasizes the obligation of business actors to act in good faith. The settlement of this case was achieved through an arbitration mechanism at the BPSK, which then issued a decision to restore consumer rights. The conclusion of this study confirms that the principle of good faith has not been fully implemented by business actors, thus causing injustice to consumers. Research suggestions include the need to strengthen the BPSK institution, increase legal awareness for business actors, and implement better transparency and communication so that consumer dispute resolution runs more effectively.

Gede Surya Mardita putra, “Pelaksanaan Asas Iktikad Baik Dalam Perjanjian Kredit Secara Lisan Dengan Jaminan Gadai Mobil”, Jurnal Preferensi hukum, Vol. 2, No. 2, Juni, 2021.

Mohammad Wisno Hamin, “Perlindungan Hukum Bagi Nasabah (Debitur) Bank sebagai Konsumen Pengguna Jasa Bank terhadap Risiko dalam Perjanjian Kredit Bank”, Jurnal Lex Crimen, Vol. VI, No. 1, Januari, 2022.

Putusan Arbitrase BPSK Nomor:005/BPSK-llg/Arbitrase/V/2022.

Risma Cahya Yudita Pratama, “Kedudukan Objek Sewa Guna Usaha dengan Hak Opsi (Finance Leaser) dalam Kepalitan Lesser”, Jurnal Notaire, Vol. 5, No. 1, Febuari, 2022.

Verella Anjora Br Ginting, Analisis Putusan Atas Pengambilan Paksa Barang Modal Dalam Lembaga Pembiayaan Sewa Guna Usaha (Leasing) (Studi Putusan Mahkamah Agung Nomor: 1510 K/Pdt/2019), skripsi, 2024.

Wawancara dengan Fetri Satria, Sebagai Majelis Pelaku Usaha BPSK Kota Lubuklinggau, pada tanggal 3 September 2025.

Wawancara dengan Hendri Kusuma Fatria Jaya, Pihak Konsumen PT. BCA Finance, pada tanggal 5 September 2025.

Wawancara dengan Nurussulhi Nawawi, Majelis Pemerintah dan Ketua BPSK Kota Lubuklinggau, pada tanggal 3 September 2025.

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