Priyo Arief Wicaksono (2020) Tanggung Gugat Pemegang Kartu Kredit Pemerintah Dalam Hal Terjadi Penyalahgunaan Kartu Kredit Pemerintah. Skripsi thesis, UNIVERSITAS AIRLANGGA.

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Abstract

As a form of payment modernization in the state spending mechanism, the Ministry of Finance c.q. the Directorate General of Treasury has started a piloting for Government Credit Card Program in 2017 and implementation in stages since 2019. Based on Minister of Finance Regulation Number 196/PMK.05/2018, the state agency (Satker in Indonesian abbreviation) is the party that has to pay the card bills issued by the Issuing Bank. However, there are times when the government credit card holders are obliged to pay with their personal money, especially when the card bill is not authorized or rejected by the authorization officer. Those can lead to the card misuse. This paper aims to answer legal issues related to the characteristics of government credit cards compared to the ordinary credit cards and their liability aspects when card misuse occurs. The research method used in this thesis is legal research in the dogmatic level with the statute, conceptual, and comparative approach. When there is cards misuse, card holders are liable to the Satker represented by the Budget User Authority (KPA in Indonesian abbreviation) because both are bound by card usage agreement. Meanwhile, the Satker represented by KPA is liable to the Issuing Bank for any invoices made by card holders because both have been bound by a cooperation agreement and a credit card issuance agreement. That way, Satker remains liable to the issuing bank when the card holder did not pay the card bill due to card misuse.

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