Criminal Policy Against Credit Card Abuse In Realising Legal Protection For Banking

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Hendra Wijaya, Edy Lisdiyono, Bambang Joyo Supeno


This study aims to analyse the construction of the current credit card abuse criminal policy model and implement the credit card abuse criminal policy model in Indonesia. The results show that credit card abuse is not explicitly regulated by banking law, so the criminal provisions contained in the law cannot be applied to criminal acts of credit card abuse. This study uses a normative legal approach. The crime of misuse of credit cards has been committed by illegal means by referring to the Penal Code or Law number 19 of 2016 amending Law number 11 of 2008 concerning information and electronic transactions. Based on the assumption that the information contained in a credit card is classified as electronic information stored in a computer or electronic system, it is included in the regime of the law on electronic information and transactions.

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