M. A. Wibowo

Perlindungan Hukum terhadap Penggunaan Klausula Baku dalam Perjanjian Asuransi Kredit Berdasarkan Pasal 18 Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen

The rapid expansion of Indonesia's credit insurance sector, driven by the rising demand for bank credit facilities, has been accompanied by a structural problem: the widespread use of standard clauses that disadvantage consumers. This article examines two central issues, namely the substance and scope of the prohibitio...