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Banking Responsibility for Employee Fault

Alba Pedro(1), Krisna Wahyu Nugroho(2email), Diana Ria Winanti Napitupulu(3)


(1) Faculty of Law, Universitas Kristen Indonesia, Jakarta, Indonesia
(2) Faculty of Law, Universitas Kristen Indonesia, Jakarta, Indonesia
(3) Faculty of Law, Universitas Kristen Indonesia, Jakarta, Indonesia orcid
email Corresponding Author
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Abstract


Introduction: This research discusses the legal responsibility of banks for mistakes made by employees in performing their duties, particularly in the context of the legal relationship between banks and customers. As a legal entity in the form of a Limited Liability Company, a bank has an obligation to maintain customer trust through the principles of prudence and consumer protection as regulated by the Banking Law and the Limited Liability Company Law.

Purposes of the Research: This research aims to analyze the legal responsibility of banks for mistakes made by employees and explore to what extent a bank can be held accountable for negligence or abuse of authority by employees. The study also aims to explore the application of strict liability principles and their impact on the stability of the financial system and customer protection.

Methods of the Research: This study uses a legal approach by analyzing relevant regulations, such as the Banking Law, the Limited Liability Company Law, and Article 1367 of the Civil Code regarding vicarious liability mechanisms. The study also explores the responsibility of the Board of Directors as the management of the bank.

Findings of the Research: The research is expected to provide a clearer understanding of the legal responsibility mechanisms applied in the banking sector and their implications for managing the relationship between banks and customers, including the impact on customer protection and the supervision of the Board of Directors in preventing mistakes that harm customers.


Keywords


Responsibility; Banking; Banking Law; Employee Errors.


DOI


10.47268/tatohi.v5i6.3011

Published


2025-08-31

How To Cite


APA: Pedro, A., Nugroho, K.W., & Napitupulu, D.R. (2025). Banking Responsibility for Employee Fault. TATOHI: Jurnal Ilmu Hukum, 5(6), 280-288. DOI: https://doi.org/10.47268/tatohi.v5i6.3011.
IEEE: A. Pedro, K.W. Nugroho, and D.R. Napitupulu, "Banking Responsibility for Employee Fault", TATOHI J. Ilmu Huk., vol. 5, no. 6, pp. 280-288, Aug. 2025. Accessed on: Sep. 25, 2025. [Online]. Available DOI: https://doi.org/10.47268/tatohi.v5i6.3011
Harvard: Pedro, A., Nugroho, K.W., and Napitupulu, D.R., (2025). "Banking Responsibility for Employee Fault". TATOHI: Jurnal Ilmu Hukum, Volume 5(6), pp. 280-288. [Online]. Available DOI: https://doi.org/10.47268/tatohi.v5i6.3011 (Accessed on: 25 September 2025)
Chicago: Pedro, Alba, Krisna Wahyu Nugroho, and Diana Ria Winanti Napitupulu. "Banking Responsibility for Employee Fault." TATOHI: Jurnal Ilmu Hukum 5, no. 6 (August 31, 2025): 280-288. Accessed September 25, 2025. doi:10.47268/tatohi.v5i6.3011
Vancouver: Pedro A, Nugroho KW, Napitupulu DR. Banking Responsibility for Employee Fault. TATOHI J. Ilmu Huk. [Internet]. 2025 Aug 31 [cited 2025 Sep 25];5(6):280-288. Available from: https://doi.org/10.47268/tatohi.v5i6.3011
MLA 8th: Pedro, Alba, Krisna Wahyu Nugroho, and Diana Ria Winanti Napitupulu. "Banking Responsibility for Employee Fault." TATOHI: Jurnal Ilmu Hukum, vol. 5, no. 6, 31 Aug. 2025, pp. 280-288, doi:10.47268/tatohi.v5i6.3011. Accessed 25 Sep. 2025.
BibTeX: 
@article{TATOHI3011,
		author = {Alba Pedro and Krisna Nugroho and Diana Napitupulu},
		title = {Banking Responsibility for Employee Fault},
		journal = {TATOHI: Jurnal Ilmu Hukum},
		volume = {5},
		number = {6},
		year = {2025},
		keywords = {Responsibility; Banking; Banking Law; Employee Errors.},
		abstract = {Introduction: This research discusses the legal responsibility of banks for mistakes made by employees in performing their duties, particularly in the context of the legal relationship between banks and customers. As a legal entity in the form of a Limited Liability Company, a bank has an obligation to maintain customer trust through the principles of prudence and consumer protection as regulated by the Banking Law and the Limited Liability Company Law.Purposes of the Research: This research aims to analyze the legal responsibility of banks for mistakes made by employees and explore to what extent a bank can be held accountable for negligence or abuse of authority by employees. The study also aims to explore the application of strict liability principles and their impact on the stability of the financial system and customer protection.Methods of the Research: This study uses a legal approach by analyzing relevant regulations, such as the Banking Law, the Limited Liability Company Law, and Article 1367 of the Civil Code regarding vicarious liability mechanisms. The study also explores the responsibility of the Board of Directors as the management of the bank.Findings of the Research: The research is expected to provide a clearer understanding of the legal responsibility mechanisms applied in the banking sector and their implications for managing the relationship between banks and customers, including the impact on customer protection and the supervision of the Board of Directors in preventing mistakes that harm customers.},
				issn = {2775-619X},		pages = {280--288}			doi = {10.47268/tatohi.v5i6.3011},
				url = {https://fhukum.unpatti.ac.id/jurnal/tatohi/article/view/3011}
		}
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Dublin Core PKP Metadata Items Metadata for this Document
 
1. Title Title of document Banking Responsibility for Employee Fault
 
2. Creator Author's name, affiliation, country Alba Pedro; Faculty of Law, Universitas Kristen Indonesia, Jakarta; Indonesia
 
2. Creator Author's name, affiliation, country Krisna Wahyu Nugroho; Faculty of Law, Universitas Kristen Indonesia, Jakarta; Indonesia
 
2. Creator Author's name, affiliation, country Diana Ria Winanti Napitupulu; Faculty of Law, Universitas Kristen Indonesia, Jakarta; Indonesia orcid
 
3. Subject Discipline(s)
 
3. Subject Keyword(s) Responsibility; Banking; Banking Law; Employee Errors.
 
4. Description Abstract Introduction: This research discusses the legal responsibility of banks for mistakes made by employees in performing their duties, particularly in the context of the legal relationship between banks and customers. As a legal entity in the form of a Limited Liability Company, a bank has an obligation to maintain customer trust through the principles of prudence and consumer protection as regulated by the Banking Law and the Limited Liability Company Law.Purposes of the Research: This research aims to analyze the legal responsibility of banks for mistakes made by employees and explore to what extent a bank can be held accountable for negligence or abuse of authority by employees. The study also aims to explore the application of strict liability principles and their impact on the stability of the financial system and customer protection.Methods of the Research: This study uses a legal approach by analyzing relevant regulations, such as the Banking Law, the Limited Liability Company Law, and Article 1367 of the Civil Code regarding vicarious liability mechanisms. The study also explores the responsibility of the Board of Directors as the management of the bank.Findings of the Research: The research is expected to provide a clearer understanding of the legal responsibility mechanisms applied in the banking sector and their implications for managing the relationship between banks and customers, including the impact on customer protection and the supervision of the Board of Directors in preventing mistakes that harm customers.
 
5. Publisher Organizing agency, location Faculty of Law, Universitas Pattimura
 
6. Contributor Sponsor(s)
 
7. Date (YYYY-MM-DD) 2025-08-31
 
8. Type Status & genre Peer-reviewed Article
 
8. Type Type
 
9. Format File format PDF
 
10. Identifier Uniform Resource Identifier https://fhukum.unpatti.ac.id/jurnal/tatohi/article/view/3011
 
10. Identifier Digital Object Identifier 10.47268/tatohi.v5i6.3011
 
11. Source Title; vol., no. (year) TATOHI: Jurnal Ilmu Hukum; Volume 5 Issue 6, August 2025
 
12. Language English=en en
 
13. Relation Supp. Files
 
14. Coverage Geo-spatial location, chronological period, research sample (gender, age, etc.)
 
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