Legalitas Penerapan Digital Signature Dalam Suatu Perjanjian (Kontrak) Kredin Perbankan

Abstract

Basically, the existence of electronic signatures was used when computer devices and smartphones began to be widely used by the public as a whole in Indonesia, namely around 2008. It was this condition that made it easier for people to be able to carry out electronic transactions by utilizing electronic signatures, including in bank credit agreements. However, despite this, in reality the electronic signature itself still needs proof of its data authenticity to avoid forgery. In accordance with the provisions of Law Number 19 of 2016 concerning Amendments to Law Number 11 of 2008 concerning Information and Electronic Transactions which states that electronic signatures have complete and perfect evidentiary powers like an authentic deed. So that in this way electronic signatures can already be used in banking agreements even though in implementing the policy it returns to each bank itself. This study uses the Normative Juridical research method, using secondary data such as laws and regulations, scientific journals, law books related to credit agreement law. The research results obtained by the author in conducting this research indicate that the use of electronic signatures is considered to be quite effective. However, in order to further optimize this effectiveness, it is necessary to implement the law in accordance with the provisions of the applicable laws and regulations.