TANGGUNG JAWAB PERUSAHAAN PERBANKAN TERHADAP DEBITOR DALAM PERJANJIAN BAKU YANG MEMUAT KLAUSULA EKSONERASI

Based on the results of the research, it is known that the responsibility of banking companies to debtors in the standard agreement containing exoneration that the responsibilities of business actors include the responsibility for compensation for damages; liability for losses for consumer pollution; and liability for compensation for consumer losses. Banks must adjust the contents of credit agreements more so that they do not conflict with regulations. The legal con equence is that based on Article 1320 of the Civil Code it can be declared null and void because of the non-fulfillment of the legal conditions of the agreement regarding the lawful cause (objective conditions), because it is contrary to the provisions of Article 1337 of the Civil Code where the contents of the agreement have included an exoneration clause in the standard agreement where this contrary to Article 18 paragraph (1) and paragraph (2) of the Consumer Protection Act and Article 22 paragraph (1).