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首页> 外文期刊>Sriwijaya Law Review >The Role of Public Notary in Providing Legal Protection on Standard Contracts for Indonesian Consumers
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The Role of Public Notary in Providing Legal Protection on Standard Contracts for Indonesian Consumers

机译：公证人在为印度尼西亚消费者提供标准合同法律保护方面的作用

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摘要

Public Notary is needed in conducting businesses of varying sectors. For example, people who want to own a house through a bank with House Ownership Loan ( Kredit Pemilikan Rumah - KPR ). Quite similar to a purchase of common loan contracts, the purchase of KPR contract is formulated into a standard contract. Its contents and clauses have been previously prepared by the bank. Then, bank customers as debtors only have the option to accept the entire contents and clauses of the KPR contract, otherwise they will not be granted KPR loan. As the consequence, the position of banks as lenders and customers as debtors are never equal. Debtors are powerless and have to comply with the content of the contract. This research discusses the protection given by notary in the drafting process of standard contract based on Law No 8 of 1999 on Consumer Protection ( Undang-Undang Perlindungan Konsumen - UUPK ) and Law No. 2 of 2014 on the Rules of Notary Profession ( Undang-Undang Jabatan Notaris - UUJN ). The result of the study showed that a public notary has a strong foundation to protect consumers’ rights according to the UUPK . An application of this, among others, the notary’s refusal has to include the entire content of the KPR agreement into a deed before s/he could examine whether the two parties of the agreement occupy an equal position and have proportionate power. For instance, in the transfer of responsibility clause from a bank as a business owner – a notary is entitled to advise the bank that its activity has violated the UUPK . If the bank insists that the clause is instructed by its central bank, the notary can help explain that the revision of the clause will help the Bank avoid the violation of UUPK .
机译：开展不同行业的业务需要公证人。例如，想要通过拥有房屋所有权贷款（Kredit Pemilikan Rumah-KPR）的银行拥有房屋的人。 KPR合同的购买与普通贷款合同的购买非常相似，被制定为标准合同。其内容和条款由银行事先准备。然后，银行客户作为债务人只能选择接受KPR合同的全部内容和条款，否则将不会获得KPR贷款。结果，银行作为贷方和客户作为债务人的地位永远不会平等。债务人无能为力，必须遵守合同的内容。本研究讨论了公证人在基于1999年第8号消费者保护法（Undang-Undang Perlindungan Konsumen-UUPK）和2014年第2号法律（公证专业规则）的标准合同起草过程中给予的保护。 Undang Jabatan Notaris-UUJN）。研究结果表明，根据UUPK，公证人为保护消费者的权利奠定了坚实的基础。为此，公证人的拒绝必须将KPR协议的全部内容包括在契约中，然后才能检查协议的双方是否具有同等地位并具有相称的权力。例如，在作为企业主的银行的责任转移条款中，公证人有权告知银行其行为违反了UUPK。如果银行坚持该条款是由其中央银行指示的，则公证人可以帮助解释该条款的修订将有助于银行避免违反UUPK的行为。

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