MASALAH YANG TIMBUL AKIBAT TERBITNYA CEK KOSONG

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  SIANA SUWARN1 WIJAYA MASALAH YANG TIMBUL AKIBAT TERBITNYA CEK KOSONG hr lOif

  U ■ UN l VLR SI i / - r U i X u Q *

  S U R A i> J A _ _ FAKULTAS HUKUM UNIVERSITAS AIRLANOOA S U R A B A Y A 1 9 8 9 M A S A L A H Y A N G T I M B U L A K I B A T T E R B I l ' N Y A C E K KOSONG

  S K R I P S I D IA J U K A N U H TU K M E L E N G K A P I TU G AS DAM M E M E N U H I S Y A R A I - S Y A R A T U N TU K

  M E N C A P A I G E LA R S A R J A N A HU KU M O LE H S I A N A S U W A R N I W IJ A Y A

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  D O S E N PE M B 1M B IN G F A K U L I A S HU KU M U N I V E R S I T A S A IR L A N G G A S U R A B A Y A 1 9 8 9 D 1 U J I P A D A TA N G G A L 1 5 J A N U A R I 1 9 9 0 P A N I T I A P E N G U J I : KE TU A : A . OEMAR W O N G S O D IW IR J O , S . H . 1 .

  S E K B E T A R IS : N U R W A H Y U N I, S . H .

  2. AN G G O TA : 1 . L J O K O S L A M E T , S . H .

  2 . S A M Z A R I B O E N TO RO , S . H .

  3 . M . L . S O U H O KA , S . H . , M S .

KATA PEN GANT All

  P u j i S y u k u r s a y a p a n j a t k a n k e h a d i r a t T u h a n y a n g M a h a E s a a t a s e e g a l a K a r u n i a - ^ y a s e h i n g g a s a y a d a p a t m e - n y e l e s a i k a n s k r i p s i i n i t e p a t p a d a w a k t u n y a . D e n g a n t e r - s u s u n n y a s k r i p s i y a n g b e r j u d u l " M A S A L A H YA N G T IM B U L A K I B A T T E R B 1 T N 7 A C E K KO S O KG 11 m a k a s a l a h s a t u s y a r a t y a n g d i p e r - l u k a n u n t u k m e m p e r o l e h g e l a r S a r j a n a Hu ku m p a d a F a k u l t a s

  H u ku m U n i v e r s i t a s A i r l a n g g a S u r a b a y a s u d a h d i p e n u h i , M e l a l u i k e s e m p a t a n i n i , s a y a i n g i n m e n y a m p a i k a n r a ­ s a t e r i m a k a s i h y a n g s e t i n g g i - t i n g g i n y a k e p a d a B a p a k D j o - k o S l a m e t , S . H . s e l a k u d o s e n p e m b i m b i n g y a n g t e l a h b e r s e d i a m e l u a n g k a n w a k t u n y a u n t u k m e m b e r i k a n b i m b i n g a n d a n b a n t u a n s e r t a p e t u n j u k - p e t u n j u k d e n g a n p e n u h k e s a b a r a n h i n g g a s e - l e s a i n y a s k r i p s i i n i , D e m i k i a n p u l a s a y a u c a p k a n t e r i m a k a s i h k e p a d a B a p a k P i m p i n a n B a n k A r t a N i a g a K e n c a n a ( A N K )

  C a b a n g S u r a b a y a d a n P e r p u s t a k a a n U n i v e r s i t a s A i r l a n g g a y a n g t e l a h m e m b e r i k a n s e g a l a s e s u a t u y a n g s a n g a t d i p e r - l u k a n d a l a m p e n y u s u n a n s k r i p s i i n i ,

  T i d a k l u p a s a y a . m e n g u c a p k a n t e r i m a k a s i h p u l a k e ­ p a d a B a p a k d a n I b u d o s e n F a k u l t a s H u ku m U n i v e r s i t a s A i r ­ l a n g g a y a n g t e l a h m e n a n a m k a n s e g a l a i l m u p e n g e t a h u a n d a n m e m b e r i k a n b i m b i n g a n k e p a d a s a y a s e l a m a k u l i a h d i T a k u l t a s

  H u ku m U n i v e r s i t a s A i r l a n g g a .

  T e r a k h i r s a y a s a m p a i k a n t e r i m a k a s i h k e p a d a a y a h

  iv d a n i b u n d a s e r t a s u a m i k u t e r c i n t a y a n g p e n u h d e n g a n k e - s a b a r a n m e m b e r i k a n d o r o n g a n d a n d o a k e p a d a s a y a . D a n t a k l u p a j u g a a k a n j a s a d a n p e n g o r b a n a n s e r t a d o r o n g a n d a r i k a k a k d a n a d i k - a d i k s a m p a i s e l e s a i n y a s k r i p s i i n i .

  A k h l r n y a s e p e r t i p e p a t a h m e n g a t a k a n , " T i d a k a d a g a d i n g y a n g t a k r e t a k ' 1, m a k a s a y a m e n y a d a r i b a h w a s k r i p s i i n i m a s i h j a u h d a r i s e m p n r n a d a n s a n g a t s e d e r h a n a s e k a l i . O l e h k a r e n a i t u t e g u r s a p a d a n s a r a n - s a r a n y a n g b e r s i f a t m e m b a n g u n d e m i p e r b a i k a n s a n g a t s a y a h a r a p k a n d a n d e n g a n s e n a n g h a t i .

  S u r a b a y a , A g u s t u s 1 9 8 9 S I A N A S U W A H N I W IJ A Y A

  v D A F TA R I S I ^ a l a m a n

  KA TA P E U G A N TA R . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . i v D A P TA R I S I . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ■ v i B A B I . PE N D AH U LU AN . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

  1 1 , P e r m a s a l a h a n : L a t a r B e l a k a n g d a n R u m u s a n n y a . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

  1 2 . P e n j e l a s a n J u d u l . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

  4 3 * A l a s a n P e m i l i h a n J u d u l . . . . . . . . . . . . . . . . . . . . . . . . . .

  5 4 * T u j u a n P e n u l i s a n . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

  5 5 . f t e t o d o l o g i . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 6 . P e r t a n g g u n g j a w a b a n S i s t e m a t i k a . . . . . . . . . . .

  8 P A B

  I I . PE N G G U N AAN C E K S E B A G A I A L A T B A H R TVl \ Al 1 0 1 , P e n g e r t i a n d a n P e n g a t u r a n C e k . . . . . . . . . . . . . 1 0 2 . S y a r a t - s y a r a t F o r m i l f o e n a r i k C e k . . . . . . . .

  13 3 * J u m l n h N o m i n a l . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

  16 4 . K e w a j i b a n P e n a r i k / l - e n e r b i t . . . . . . . . . . . . . . . . . . . D8 5 . T u j u a n C e k . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

  22 L A B I I I . PRO S E S T E R J A E I N Y A C E K KO S O N G . . . . . . . . . . . . . . . . . . . . .

  23 1 . M a s a l a h C e k . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

  23 2 . T e r j a d i n y a C e k K o s o n g D a l a m P r a k t e k P e r b a n k a n . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

  26 3 . N e n a r i k C e k K o s o n g K e l a l u i P o 3 t D a t e d C e k . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 8

  vi _______

  H a l a m a n B A B I V . A K I B A T HU KU M D AN PE R AN AN B AN K . . . . . . . . . . . . . . . . .

  32 1 . UU 1 7 / 6 4 d a n P e r p u 1 / 7 1 . . . . . . . . . . . . . . . . . . . . . . .

  32 2 . P e n o l a k a n C e k K o s o n g o l e h B a n k . . . . , . , 36 3 . P e r a n a n B a n k d a l a m M e n a n g a n i C e k

  K o s o n g . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 7 B AB V . P E N U T U P . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 0 1 . K e s i m p u l a n . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 0

  2 . S a r a n . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

  41 D A F TA R B AC AAN L A M P IR A N

  vii B A B I P E N D AH U LU AN

• • 1 . P e r m a s a l a h a n L a t a r B e l a k a n g d a n R u m u s a n n v a

  P e r k e m b a n g a n e k o n o m i d e w a s a i n i k h u s u s n y a d a l a m h a l p r o s e s m o n e t e r i s a s i s e m a k i n m e l u a s . D a l a m p e r i h i d u p s o s i a l k i t a s e m a k i n m e l u a s p u l a p r o s e s i n d i v i d u a l i s a s i d e n g a n s e m a k i n m e n o n j o l n y a m o t i v a s i e k o n o m i t e r m a s u k m o t i v a s i k e u n t u n g a n / p r o f i t s e b a g a i d o r o n g a n k e m a j u a n d a n p e r t u m b u h a n e k o n o m i . S e m e n t a r a i t u s e b a g i a n r a k y a t s e d a n g b e r g u l a t u n t u k m e m p e r o l e h p e k e r j a a n d a n k e h i d u p - a n y a n g l a y a k s e b a g a i m a n u s i a * D a l a m l i n g k u n g a n y a n g s e r b a d i n a m i s t e t a p i j u g a s e r b a k e k u r a n g a n i n i l a h p e - r a n a n u s a h a w a n d a n b a n k h i d u p , b e k e r j a d a n b e r g i a t .

  I n i b e r a r t i p e r l u a d a n y a k e r j a s a m a y a n g p r o d u k t i f d a r. s a l i n g m e n g h i d u p k a n a n t a r a m e r e k a , m e l e b i h i d a r i s e k e - d a r m e m e n u h i k e h i d u p a n y a n g l a y a k . P e r w u j u d a n k e r j a s a m a i t u d a p a t k i t a s a k s i k a n d a l a m p e r k e m b a n g a n l a l u - l i n t a s p e m b a y a r a n . D a l a m l a l u l i n t a s p e n i b a y a r a n i t u l e b i h b a n y a k y a n g b e r s i f a t k a r t a l d a r i p a d a y a n g b e r s i - f a t ' . g i r o l . A d a p u n y a n g b e r s i f a t g i r a l a r t i n y a t i d a k t u n a i / k o n t a n , d a l a m h a l i n i b e r u p a w e s e l , c e k , b i l y e t g i r o d a n l a i n - l a i n n y a .

  P e r a n a n c e k s e b a g a i s a l a h s a t u a l a t p e m b a y a r a n

  1

  2

  y a n g b e r s i f a t g i r a l a d a l a h s a n g a t e f f i s i e n s e b a g a i s u a t u s a r a n a u n t u k m e n u n j a n g l a n c a r n y a p e m b a y a r a n d a l a m p e r - e k o n o m i a n . S e j a l a n d e n g a n p e r k e m b a n g a n g i r a l i s a s i p em ­ b a y a r a n t e r s e b u t , s e r i n g d a l a m p e r s u r a t k a b a r a n d i k a t a - k a n b a h w a p e m b a y a r a n l e w a t b a n k d e n g a n c a r a p e n a r i k a n c e k , k a d a n g k a l a t e r j a d i p e n i p u a n y a i t u y a n g d i k e n a J d e n g a n i e t i l a h p e n a r i k a n c e k k o s o n g . Y a n g d ivn a k s u d c e k k o s o n g a d a l a h : HC e k y a n g d i t u n j u k k a n p a d a b a n k t e r t a r i k , t e t a p i d a n a s i p e n a r i k y a n g t e r s e d i a p a d a b a n k t i d a k m e n c u k u p i u n t u k m e m e n u h i p e m b a y a r a n s e j u m l a h u a n g y a n g

  1 t e r t u l i s d i a t a s c e k y a n g d i t a r i k n y a i t u " . K i t a b U n d a n g - u n d a n g H u ku m P a g a n g t i d a k m e n g a t u r s e c a r a t e g a s t e n t a n g a p a y a n g d i m a k s u d d e n g a n c e k k o s o n g ,

  H a n y a d i d a l a m s a l a h s a t u p a s a l n y a y a i t u p a s a ] 1 9 0 ( a j t e n t a n g k e w a j i b a n b a g i p e n a r i k c e k , y a i t u : T i a p - t i a p p e n a r i k , a t a u t i a p - t i a p m e r e k a a t a s t a n g - g u n g a n s i a p a c e k i t u d i t a r i k n y a , w a j i b m e n g u s a h a k a n a g a r p a d a h a r i b a y a r n y a p a d a s i t e r t a r i k t e l a h a d a k e u a n g a n c u k u p g u n a m e m b a y a r c e k t e r s e b u t , p u n s e k i r a - n y a c e k i t u d i n y a t a k a n h a r u s d i b a y a r k a n k e p a d a o r a n g k e t i g a , n a m u n k e s e m u a n y a d e n g a n t i d ^ k m e n g u r a n g i k e w a j i b a n p e n a r i k m e n u r u t p a s a l 1 8 9 . P i m a k s u d d e n g a n d a n a / f o n d s t i d a k h a n y a s a l d o k r e d i t d a r i

  P j o k o S l a m e t , A , W o n g s o d i w i r j o , S a m z a r l

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  B o e n t o r o , P e n g e r t i a n S i n g k a t T e n t a n g H u ku m P a g a n g ^ - h u s u s S u r a t B e r h a r g a 1 1 P e r l h a l C h e q u e d a n ( * l r o k j l y e t , c e t . I , P e p , n u k u m P a g a n g , S u r a b a y a , 1 9 8 4 , h . 1 5 .

  2Ibid.. h. 17. n a s a b a h y a n g b e r s a n g k u t a n s a j a , m e l a i n k a n j u g a f a s i l i t a s k r e d i t y a n g t e l a h d i s e d i a k a n o l e h b a n k b a g i s i n a s a b a h .

  A p a b i l a s i p e n a r i k c e k m e r u p a k a n s e o r a n g n a s a b a h y a n g b e r i t i k a d b a i k , m a k a s e b e l u m m e n a r i k e u a t u c e k a k a n m e - m e r i k s a t e r l e b i h d a h u l u m e n g e n a i d a n a y a n g t e r s e d i a p a d a b a n k . A k a n t e t a p i s e p e r t i y a n g k i t a k e t a h u i p a d a v/ a k tu s e k a r a n g i n i , b a n y a k t e r d a p a t p e n a r i k a n s u r a t c e k y a n g t i d a k d i s e r t a i d e n g a n p e r s e d i a a n d a n a y a n g c u k u p o l e h s i - p e n a r i k ( n a s a b a h b a n k ) ,

  M e n g e n a i c e k k o s o n g p e r n a h d i a t u r p a d a s u a t u UU y a i t u U n d a n g - u n d a n g H o . 1 7 / t h n 1 9 6 4 , d e n g a n p e r t i m b a n g a i i a k h i r n y a d i k e n a k a n s a n k s i p i d a n a b e r a t . M a k s u d d a r i . p e m b u a t U n d a n g - u n d a n g ^ o . 1 7 / t h n 1 9 6 4 m e n g e n a i h a l t e r s e - b u t s e l a l u b e r u s a h a u n t u k m e n g a d a k a n p e n c e g a h a n t i i n b u l n y a p r a k t e k p e m a s u k a n c e k k o s o n g ,

  D e n g a n d i k e l u a r k a n UU t e r s e b u t h a r a p a n P e m e r i n t a h a g a r m a s y a r a k a t m e i a s a a m a n d a n t e r l i n d u n g , n a mu n k e - n y a t a a n n y a m a s y a r a k a t s e m a k i n t a k u t u n t u k m e n g g u n a k a n c e k s e b a g a i a l a t p e m b a y a r a n , m a k a d i c a b u t l a h UU n o . 1 7 / 1 9 6 4 d e n g a n P e r p u n o . 1 / t h n 1 9 7 1 , LN n o . 5 5 t h n 1 9 7 1 k e m u d i a n d i s a h k a n s e b a g a i UU m e l a l u i UU n o . 1 2 / 1 9 7 1 , LN n o . 8 3 / t h n 1 9 7 1 . P e n g a t u r a n s e l a n j u t n y a d i a t u r m e l a l u i p e r a t u r a n y a n g d i b u a t B a n k I n d o n e s i a . D a l a m p e r a t u r a n y a n g d i b u a t o l e h B a n k I n d o n e s i a d a p a t l a h k i t a l i h a t b a h w a a d a n y a p e r a l i h a n s a n k s i , s e m u l a m e r u p a k a n s a n k s i p i d a n a y a n g k e m u d i a n b e r a l i h h a n y a k e p a d a s a n k s i a d m i n i s t r a t e s a j a .

  P e r a l i h a n s a n k s i i n i d i m a k s u d k a n d i a n t a r a n y a , a g a r m e r a n g s a n g m a s y a r a k a t u n t u k m e n g a k t i f k a n p e n g g u n a ­ a n c e k k e m b a l i s e b a g a i a l a t p e m b a y a r a n d a l a m l a l u l i n - t a s p e r e k o n o m i a n . M e s k i p u n d e m i k i a n b a n y a k r n a s a l a h y a n g t i m b u l d a l a m p r a k t e k t e n t a n g p e n g g u n a a n c e k s e h u b u n g a n d e n g a n s a n k s i a d m i n i s t r a t i f * B e r t o l a k d a r i u r a i a n d i - a t a s , s a y a k e m u k a k a n p e r u m u s a n p e r m a s a l a h a n s e b a g a i b e r i k u t ;

  1 . B a g a i m a n a p e n g g u n a a n c e k s e b a g a i a l a t b a y a r t u n a i ? 2 . B a g a i m a n a t e r j a d i n y a c e k k o s o n g d a l a m p r a k t e k p e r b a n k a n ? 3 . T i n d a k a n a p a k a h y a n g d i l a k u k a n o l e h b a n k d a n

  UU a p a b i l a t e r j a d i n y a c e k k o s o n g ? 2 . P e n . j e l a s a n J u d u l D i d a l a m d u n i a p e r d a g a n g a n s e r i n g t e r d e n g a r c e k ' y a n g d i t o l a k d e n g a n a l a s a n c e k k o s o n g . D a n k i t a r n e n g e - t a h u i b a h w a c e k m e r u p a k a n a l a t p e n g g a n t i u a n g t u n a i y a n g p r a k t i s d a n a m a n . D a s a r p e n e r b i t a n c e k i n i u n tu k k e m u d a h a n d a n k e p e n t i n g a n p e n a r i k s e n d i r i , J a d i s a d a h s e l a y a k n y a p e n a r i k c e k h a r u s m e n j a m i n c e k i t u a d a d a n a - n y a a g a r t i d a k d i t o l a k . .

  3 . A l a s a n P e m i l l h a n J u d u l J u d u l y a n g s a y a p i l i h u n t u k m e n j a d i t o p i k p e m - b a h a s a n s k r i p s i i n i , y a i t u , t e n t a n g m a s a l n h y a n g t i m ­ b u l d e n g a n t e r b i t n y a c e k k o s o n g y a n g b a g i s a y a s a n g a t m e n a r i k . K a r e n a s e r i n g k a l i k i t a m e l i h a t d a l a m p r a k t e k p e m b a y a r a n t r a n s a k s i s e m a k i n b a n y a k p e n g g u n a a n c e k k o s o n g , b a h k a n d a l a m p r a k t e k s e k a r a n g i n i s e a k a n - a k a n d a l a m m e n a r i k c e k t a n p a a d a n y a d a n a y a n g c u k u p m e r u p a k a n h a l y a n g b i a s a . D i s i n i b i a s a d a l a m . a r t i t i d a k m e r a s a t a k u t d e n g a n a n c a m a n d a n s a n k s i n y a , b e - g i t u j u g a l a l u t i d a k m e m i k i r k a n a k i b a t p e n a r i k a n c e k k o s o n g i t u b a g i p e i n e g a n g c e k t e r s e b u t ,

  D e n g a n b e r p a n d a n g a n d a r i k e n y a t a a n - k e n y a t a a n y a n g t e l a h a d a , s a y a a k a n m e m b a h a s p e r a n a n a n c a m a n s a n k s i b a g i s i p e n a r i k c e k k o s o n g , s e r t a m e n g a n a l i s a d a s a r - d a s a r y a n g t e r k a n d u n g d i d a l a m s a n k s i i t u s e n - d i r i , D a n s a y a i n g i n m e m b a h a s t i n d a k a n y a n g d i l a k u k a n o l e h b a n k d a l a m m e n a n g a n i m a s a l a h c e k k o s o n g .

  4 . T u j u a n P e n u l i s a n P e n u l i s a n s k r i p s i i n i m e m p u n y a i d u a t u j u a n y a i t u t u j u a n a k a d e m i s d a n t u j u a n p r a k t i s . T u j u a n a k a d e m i s n y a u n t u k m e l e n g k a p i p e r s y a r a t a n k u r i k u l u m y a n g d i w a j i b k a n u n t u k m e m p e r o l e h g e l a r S a r j a n a H u ku m p a d a F a k u l t a s H u - kuin U n i v e r s i t a s A i r l a n g g a , S e d a n g k a n t u j u a n p r a k t i s n y a u n t u k m e n y u m b a n g k a n s e d i k i t p e m i k i r a n d a l a m r a n g k a p e « m e c a h a n m a s a l a h y a n g t i m b u l d e n g a n a d a n y a p e n e r b i t a n c e k k o s o n g s e r t a m en a m b a h p e m b e n d a h a r a a n t u l i s a n i l m i a h d i k a l a n g a n m a s y a r a k a t p a d a u m u m n ya d a n m a h a s i s w a p a d a k h u s u s n y a * D a n m u d a h - m u d a h a n d e n g a n s u m b a n g a n p e n u l i s a n y a n g m a s i h j a u h d a r i s e m p u r n a i n i d a p a t b e r g u n a b a g i a d i k - a d i k m a h a s i s w a , m a s y a r a k a t d a n m e r u p a k a n p e r t a n g - g u n g j a w a b a n p a d a a l m a m a t e r t e r c i n t a , 5 . M e t o d o l o g i a * P e n d e k a t a n M a s a l a h

  P e n d e k a t a n m a s a l a h d a l a m p e n u l i s a n s k r i p s i i n i d i l a k u k a n d e n g a n p e n d e k a t a n y u r i d i s , m a k s u d n y a p e m b a h a s - a n i n i d i l a k u k a n b e r d a s a r k a n p a d a p e r a t u r a n - p e r a t u r a n y a n g m e n g a t u r n y a b a i k y a n g t e r d a p a t d a l a m KU HD m a u p u n p e r a t u r a n l a i n n y a . S e a a n g k a n p e n d e k a t a n k e p u s t a k a a n b e r u p a l i t e r a t u r d a n t u l i s a n - t u l i s a n i l m i a h , c a t a t a n k u l i a h H u ku m D a g a n g y a n g t e n t u n y a e e m u a a d a h u b u n g a n n y a d e n g a n m a t e r i y a n g s a y a b a h a s d a l a m s k r i p s i i n i * S e r t a p e n d e k a t a n p r a k t i a y a i t u p e n g g u n a a n c e k d i d a l a m p r a k t e k s e h a r i - h a x i . b . S u m b e r D a t a b r a i a n - u r a i a n d a l a m s k r i p s i i n i s a y a a m b i l d a r i p e r k u l i a h a n Hu ku m D a g a n g , d i s a m p i n g j u g a d a r i s t u d i l i t e r a t u r d i p e r p u s t a k a a n s e p e r t i y a n g t e r c a n t u m d a l a m d a f t a r b a c a a n , d a n d a r i k e a d a a n p r a k t e k p e n g g u n a a n c e k s e h a r i - h a r i , s e h i n g g a s u m b e r d a t a n y a a d a l a h s e b a g a i b e r i k u t : ! • K e p u s t a k a a n y a i t u : u r a i a n - u r a i a n y a n g t e r d a p a t d a l a m b e r b a g a i b u k u d a r i b e b e r a p a p e n g a r a n g y a n g b e r h u b u n g a n d e n g a n s u r a t b e r h a r g a ( c e k ) p a d a u m u m n ya , j u g a d a r i p e r ­ a t u r a n p e r u n d a n g a n y a n g b e r k a i t a n d e n g a n c e k .

  2, W a w a n c a r a , y a i t u : D i a l o g d e n g a n p i m p i n a n B a n k A r t a

  N i a g a C a b a n g S u r a b a y a d a n b e b e r a p a p e t u g a s . d a r i b a n k s w a s t a y a i t u B a n k P e r k e m b a n g a n A s i a , B a n k A r t a N i a g a . c . P r o s e d u r P e n g u m p u l a n d a n P e n g o l a h a n D a t a

  P e r t a m a - t a m a s a y a k u m p u l k a n d a t a d a r i k e p u s t a k a a n y a n g b e r u p a b u k u - b u k u , p e r a t u r a n p e r u n d a n g a n y a n g b e r h u - b u n g a n d e n g a n p e r m a s a l a h a n , d a n t i d a k k e t i n ^ g a l a n p u l a c a t a t a n k u l i a h H u ku m D a g a n g . K e m u d i a n m e n g h u b u n g i p i h a k - p i h a k y a n g a d a h u b u n g a n n y a d e n g a n m a s a l a h i n i u n t u k m e - n g a d a k a n w a w a n c a r a a t a s h a l - h a l y a n g b e r s i f a t t e h n i s .

  D a r i d a t a y a n g t e r k u m p u l s a y a o l a h d e n g a n m e m b a g i - b a g . i n y a m e n j a d i b a b d a n s u b b a b s e s u a i d e n g a n p e m b a h a s a n n y a . d . A n a l i s a D a t a

  S e m u a d a t a d a n i n f o r m a s i y a n g s a y a p e r o l e h b a i k k e p u s t a k a a n m a u p u n l a p a n g a n ( w a w a n c a r a ) , s a y a k e l o m p o k a n , k e m u d i a n s a y a t e l i t i d a n s a y a n i l a i . m a n a k a h k i r a n y a y a n g s e s u a i d e n g a n t u j u a n p e m b a h a s a n , D a r i h a s i l p ^ n g g e l o m p o k a n k e m u d i a n d i l a k u k a n s u a t u a n a l i s a , a g a r d i p e r o l e h d a t a y a n g r e l e v a n d e n g a n t i d a k m e n g u r a n g i a p a y a n g t e l a h d i p e r o l e h

  8 d a r i k e n y a t a a n d a l a m p r a k t e k ( d i l a p a n g a n ) .

  6 . P e r t a n g g u n g j a w a b a n S j s t e m a t l k a U n tu k d a p a t t e r c a p a i n y a p e m b a h a s a n p o k o k p e r m a ­ s a l a h a n d a n j u g a b a t a s a n - b a t a s a n p e r m a s a l a h a n y a n g t e ­ l a h s a y a g a r i s k a n , rn a ka p a d a B a b I s k r i p s i i n i s a y a a k a n m e n g u r a i k a n s e c a r a s i n g k a t t e n t a n g p o k o k - p o k o k d a n b a t a s a n - b a t a s a n p e r m a s a l a h a n y a n g a k a n d i b a h a s . r e g i t u p u l a m e n g e n a i a l a s a n p e m i l i h a n j u d u l s e r t a m e - t o d e y a n g a k a n d i g u n a k a n d a l a m p e n d e k a t a n m a s a l a h ♦

  Y a n g m e n j a d i p o k o k p e m b a h a s a n p e r m a s a l a h a n d i - d a l a m s k r i p s i i n i , y a i t u m e n g e n a i s a n k s i y a n g d i a t u r d a l a m UU d a n p e r a n a n b a n k a t a s p e n a r i k a n c e k k o s o n g .

  ^ n t u k i t u p a d a B a b I I t e r l e b i h d a h u l u s a y a m e m b a h a s t e n t a n g t i n j a u a n c e k s e c a r a u mu m, t e r u t a m a m e n g e n a i h a l - h a l y a n g m e r u p a k a n s y a r a t - s y a r a t f o r m i l m e n a r i k s u a t u c e k , J u m l a h n o m i n a l c e k , d a n k e w a j i b a n p e n a r i k c e k s e r t a t u j u a n y a n g t e r k a n d u n g d a J a m c e k .

  A g a r u r a i a n d a n p e m b a h a s a n d a l a m s k r i p s i i n i n a m p a k s i s t e m a t i s m a k a B a b I I I s a y a m e m b a h a s t e n t a n g t e r j a d i n y a c e k k o s o n g , D e n g a n m e n g u r a i k a n m a s a l a h - m a s a l a h y a n g b e r h u b u n g a n d e n g a n p e n g g u n a a n c e k . D a n b a g a i m a n a t e r j a d i n y a c e k k o s o n g d a l a m p r a k t e k p e r b a n k a n . S e r t a m e m b a h a s m e n a r i k c e k k o s o n g m e l a l u i P o s t D a t e d C e k .

  K e m u d i a n u n t u k l e b i h m e n d e k a t i k e p a d a p o k o k p e r ­ m a s a l a h a n m a k a d a l a m B a b I V s a y a m e m b a h a s t e n t a n g a k i b a t h u ku m d a r i p e n a r i k a n c e k k o s o n g . X i n d a k a n a p a s a j a y a n g d i l a k u k a n o l e h p i h a k b a n k t e r t a r i k s e h u b u n g a n d e n g a n p e n o l a k a n c e k k o s o n g . B e g i t u p u l a u p a y a - u p a y a h u k u m y a n g d a p a t d i g u n a k a n .

  D a n a k h i r n y a d a l a m B a b V , t e n t a n g p e n u t u p s a y a s a m p a i k a n k e s i m p u l a n d a n s a r a n .

BAB II I . P e n f t e r t i a n d a n P e n g a t u r a n C e k I s t i l a h C e k t e l a h s e r i n g k i t a d e n g a r . T e t a p i

  PE N G G U N AAN C E K b E B A G A I A L A T B A YA R T U N A I

  m u n g k i n m a s i h s e d i k i t d i a n t a r a k i t a y a n g b e n a r - b e n a r r n e m a h a m in y a . Y a n g m e n j a d i p e r s o a l a n s e k a r a n g ; A p a k a h a r t i c e k i t u ? D r . L u c a s d a l a m b u k u n y a " C h e q u e , g i r o e n b i n n l a n d s c h e C l e a r i n g 1' t m e m b e r i k a n d e f i n i s i c e k s e b a g a i b e r i k u t ;

  C e k a d a l a h p e r i n t a h p e m b a y a r a n ( k e p a d a b a n k ) d a r i o r a n g y a n g m e n a n d a t a n g i n y a u n t u k m e m b a y a r k e p a d a o r a n g y a n g m e m b a w a n ya a t a u o r a n g y a n g n a m a n y a t e r ­ s e b u t d i a t a s c e k i t u s e j u m l a h u a n g y a n g t e r t e r a d i a t a s n y a .

  Y a n g d i m a k s u d k a n d e n g a n o r a n g y a n g m e n a n d a t a n g a - n i n y a d i s i n i , t e n t u o r a n g y a n g m e m p u n y a i s i m p a n a n u a n g a t a u d a n a d a l a m b e n t u k r e k e n i n g g i r o d i b a n k . S e p e r t i d i k e t a h u i , c e k i t u d a p a t d i g u n a k a n u n t u k m e l a k u k a n p e m - V a y a r a n , a t a u d e n g a n k a t a l a i n , c e k m e r u p a k a n a l a t p em ­ b a y a r a n . C e k p a d a p r i n s i p n y a , h a n y a d i g u n a k a n u n t u k s a - t u k a l i p e n g a m b i l a n u a n g s a j a , w a l a u p u n m u n g k i n t e r j a d i p i n d a h t a n g a n b e b e r a p a k a l i .

  K i t a b U n d a n g - u n d a n g Hu ku m D a g a n g I n d o n e s i a , j u A c h m a d A n w a r i , A p a k a h C e k i t u t c e t , 1 , G h a J i a

  3

Indonesia, Jakarta, 19SlV h • 7"!

  10 m e m b e r i k a n d e f i n i s i m e n g e n a i c e k s e b a g a i b e r i k u t : " C e k a d a l a h p e r i n t a h t i d a k b e r e y a r a t d a r i p e m e g a n g r e - k e n i n g ( n a s a b a h g i r o ) k e p a d a b a n k , u n t u k m e m b a y a r s e - j u m l a h u a n g t e r t e n t u " ,

  D a r i k e d u a d e f i n i s i t e r s e b u t d i a t a s , m a k a d a - p a t l a h d i k a t a k a n b a h w a p a d a u m u m n ya m e r e k a s e p e n d a p a t t a n p a a d a n y a s u a t u p e r b e d a a n y a n g p r i n s i p i l , Y a n g p e n - t i n g h a r u s t e r d a p a t s u a t u p e r i n t a h t e r t u l i s d a r i s e s e - o r a n g k e p a d a b a n k t e r t a r i k / b a n k p e n y i m p a n d a n a u n t u k m e m b a y a r s e j u m l a h u a n g k e p a d a o r a n g y a n g d i m a k s u d .

  S e s e o r a n g a t a u s u a t u b a d a n s e b a g a i n a s a b a h y a n g m em b u k a s u a t u r e k e n i n g g i r o p a d a s u a t u b a n k , s e t i a p s a - a t i a d a p a t m e n y im p a n k e d a l a m d a n a t a u m e n a r i k k e m b a l i d a n a n y a d a r i r e k e n i n g k o r a n y a n g d i p e l i h a r a n y a o l e h n a s a b a h t e r s e b u t p a d a b a n k y a n g b e r s a n g k u t a n . J i k a h a l n y a d e m i k i a n m a k a " t e r t a r i k " h a r u s m e r u p a k a n s u a t u b a n k . S e b a l i k n y a k a l a u ’’ p e r i n t a h u n t u k m e m b a y a r " t e r ­ s e b u t d i t u j u k a n k e p a d a s u a t u b a d a n a t a u p e r u s a h a a n a t a u p e r o r a n g a n , m a k a " p e r i n t a h u n t u k m e m b a y a r " t e r ­ s e b u t t i d a k d a p a t d i n a m a k a n s e b a g a i s u a t u c e k .

  B e r d a s a r k a n k e t e n t u a n U n d a n g - U n d a n g , " t e r t a r i k " d a r i s u a t u c e k d a p a t b e r u p a s e o r a n g b a n k i r d a n t i d a k

  11

  ^ D j o k o S l a m e t , o p . c l t . . h . 1 ,

  12

  d i h a r u s k a n s u a t u b a n k . Y a n g d i r a a k s u d k a n d e n g a n b a n k i r d i s i n i i a l a h s e t i a p o r a n g a t a u b a d a n y a n g p e k e r j a a n n y a s e c a r a t e r a t u r m e m e g a n g k e u a n g a n u n t u k p e m a k a i a n s e g e - r a o l e h o r a n g - o r a n g l a i n . D e m i k i a n p e n j e l a e a n k a t a b a n ­ k i r m e n u r u t p a s a l 2 2 9 a b i s K i t a b U n d a n g - u n d a n g H u ku m

  D a g a n g . J u g a d a l a m U n d a n g - U n d a n g N o . 1 4 t a h u n 1 9 6 7 t e n - t a n g P o k o k - p o k o k P e r b a n k a n p a d a p a s a l 4 h a n y a d i k a t a - k n n b a h w a s u a t u b a d a n a t a u p e r o r a n g a n y a n g m e l a k u k a n u s p h a s e r u p a d e n g a n u s a h a b a n k , w a j i b m e n a m a k a n d i r i - n y a b a n k .

  B a n k s e b a g a i s u a t u l e m b a g a k e u a n g a n b e r t u g a s me­ l a l u i k e g i a t a n - k e g i a t a n n y a d i b i d a n g k e u a n g a n , m e n a r i k u a n g d a r i d a n m e n y a l u r k a n n y a k e d a l a m m a s y a r a k a t . D a l a m m e n j a l a n k a n f u n g s i n y a i n i t e n t u t i d a k b i s a t e r l e p a s d a r i m a s a l a h p e m b a y a r a n y a n g b e r s i f a t g i r a l . U n t u k l e b . i h mem- p e r l a n c a r j a l a n n y a p e m b a y a r a n p a r a p e n g u s a h a m e n g g u n a k a n a l a t p e m b a y a r a n g i r a l y a i t u m e n g g u n a k a n c e k .

  P e r a t u r a n y a n g m e n g a t u r t e n t a n g c e k y a n g t e r d a p a t p a d a KU HD s e k a r a n g i n i a d a l a h h a s i l d a r i t r a k t a & t - t r a k t a a t y a n g d i b u a t d a l a m X o n p e r e n s i J e n e w a p a d a t a h u n 1 9 3 1 . D e n g a n S t . 1 9 3 4 n o . 5 6 2 j o S t . 1 9 3 5 n o . 5 3 1 KU HD d i I n d o ­ n e s i a d i u b a h b e r d a s a r k a n p e r s e s u a i a n d e n g a n KU HD d i n e - g e r i B e l a n d a , k h u s u s m e n g e n a i t i t e l 7 d e n g a n S t . 1 9 3 5 n o . 7 7 j o 5 6 2 d i a t u r t e n t a n g c e k d a n k w i t a n s i - k w i t a n s i d a n p r o s e s - p r o s e s a t a s t u n j u k . P e r u b a h a n I n i m u l a i b e r - l a k u t a n g g a l 1 J a n u a r i 1 9 3 6 . S e l a n j u t n y a k e t e n t u a n - k e t e n t u a n m e n g e n a i c e k d i a t u r d a l a m K i t a b U n d a n g - u n d a n g H u ku m D a g a n g B a b V I I p a s a l 1 7 8 s a m p a i d e n g a n p a s a l 2 2 9 d .

  13

  2 . S y a r a t - s y a r a t F o r m l l M e n a r i k C e k U n t u k d a p a t d i k a t a k a n s u a t u c e k m a k a h a r u s me~ m e n u h i B em u a s y a r a t y a n g t e r c a n t u m d a l a m p a s a l 1 7 8 K i - t a b U n d a n g - U n d a n g h u ku m D a g a n g . A d a p u n s y a r a t - s y a r a t y a n g d i m a k s u d k a n i a l a h :

  1 . N a ma " c e k ” d i m u a t k a n d a l a m t e k s n y a s e n d i r i d a n d i i s t i l a h k a n d a l a m b a h a s a c e k i t u d i . t u l i s n . y a . 2 . P e r i n t a h t a k b e r s y a r a t u n t u k m e m b a y a r s e j u m l a h u a n g t e r t e n t u . 3 . N a m a o r a n g y a n g h a r u s m e m b a y a r n y a ( t e r t a r i k f . 4 . F e n e t a p a n t e m p a t d i m a n a p e m b a y a r a n h a r u s d i ~ l a k u k a n . 5 . T a n g g a l d a n t e m p a t c e k d i t a r i k n y a . 6 . T a n d a t a n g a n o r a n g y a n g m e n g e l u a r k a n c e k i t u ( p e n a r i k ) .

  A p a b i l a s a l a h s a t u s y a r a t t i d a k t e r p e n u h i m a k a t i d a k d a p a t d i k a t a k a n s e b a g a i s u a t u c e k . N a mu n U n d a n g - U n d a n g m a s i h m e m b e r i k a n p e n g e c u a l i a n d a l a m h a l t e m p a t p e m b a y a r ­ a n , s e p e r t i y a n g d i t e n t u k a n p a d a p a s a l 1 7 9 s e b a g a i b e r i - k u t d i b a w a h i n i :

  ^ R . S u b e k t i d a n R . T j i t r o s u d i b i o , M t a b U n d a n g -

  U nda n ^

  H u ku m D a g a n g d a n U n d a n g - U n d a n g K e p a l l i t a n , c e t . x i i l , P r a d n y a P a r & m i t h a , J a k a r t a , 1 9 8 3 , h . 5 3 .

  1 . B i l a t e m p a t p e m b a y a r a n t i d a k d i t u l i s d a l a m c e k , m a k a n a m a t e m p a t d i s a m p i n g n a m a t e r t a r i k d i - a n g g a p t e m p a t p e m b a y a r a n . 2 . B i l a a d a b e b e r a p a t e m p a t y a n g d i t u l i s , m a k a n a - ma t e m p a t y a n g d i t u l i s t e r d a h u l u l a h y a n g d i a m b i l *

  3 . J i k a p e t u n j u k - p e t u n j u k t e r s e b u t d i a t a s t i d a k a d a , m a k a t e m p a t p e m b a y a r a n d i a n g g a p d i k a n t o r p u s a t t e r t a r i k . 4 . K a l a u t e m p a t , d i m a n a c e k i t u d i t e r b i t k a n t i d a k t e r t u l i s m a k a t e m p a t y a n g t e r t u l i s d i s a m p i n g n a m a p e n a r i k , d i a g g g a p s e b a g a i t e m p a t d i t e r b i t - k a n n y a s u r a t c e k .

  K e w a j i b a n u n t u k m e n c a n tu m k a n k a t a c e k i t u p a d a l e m b a r a n c e k s e s u n g g u h n y a b u k a n h a n y a u n t u k m c n u n j u k k a n s i f a t d a r i s u r a t t e r s e b u t m e l a i n k a n j u g a u n t u k m e m b e d a - k a n l e m b a r a n s u r a t j e n i s i n i d e n g a n j e n i s y a n g l a i n n y a s e p e r t i w e s e l m i s a l n y a ,

  P e r i n t a h t i d a k b e r s y a r a t u n t u k m e m b a y a r s e j u m l a h u a n g t e r t e n t u . H a l i n i m e m p u n y a i p e r s a m a a n d e n g a n w e s e l , .

  T e t a p i d a l a m h a l p e n y e b u t a n j u m l a h u a n g s e s u a i b u n y i p a ­ s a l 1 8 6 M t a b L i n d a n g - u n d a n g H u ku m D a g a n g d i k a t a k a n b a h w a a p a b i l a t e r d a p a t p e r b e d a a n d a l a m m e n u l i s k a n j u m l a h u a n g d e n g a n a n g k a d a n d e n g a n h u r u f m a k a y a n g d i b e n a r k a n a d a - l a h y a n g d i t u l i s d e n g a n h u r u f * J u g a a p a b i l a t e r d a p a t k e k e l i r u a n d a l a m m e n u l i s k a n j u m l a h d a l a m a n g k a m a k a y a n g d i a m b i l a d a l a h b i l a n g a n y a n g t e r t u l i s p a l i n g

  14 P u r w o s u t j i p t o , P e n g e r t l a n P o k o k Hu ku m

  D a fia n fi I n d o n e s i a , J i l i d 7 , D j a m b a t a n , J a k a r t a , . I ? j 8 4 , " h . 1 3 8 .

  15

  k e c i l . K h u s u s m e n g e n a i b u n g a p a d a c e k , p a d a p a s a l 1 8 4 K i t a b U n d a n g - u n d a n g H u ku m D a g a n g m e n g a t a k a n b a h w a p e ­ n y e b u t a n d a l a m c e k m e n g e n a i p e r j a n j i a n m e m b e r i b u n g a d a r i s e j u m l a h u a n g y a n g h a r u s d i b a y a r d i a n g g a p t i d a k t e r t u l i s . J a d i d i a n g g a p t i d a k a d a . M e n u r u t M r . S c h e l t e m a , r a t i o d a r i p a s a l 1 8 4 KU HD i n i i a l a h # " B a h w a o l e h k a r e n a c e k h a n y a b e r l a k u s e l a m a 7 0 h a r i , m a k a p e n y e b u t a n p e m - b e r i a n b u n g a a k a n m e n i m b u l k a n k e s u l i t a n d a l a m m e n g h i t u n g

  7 b u n g a t e r s e b u t " . P e n y e b u t a n n a m a t e r t a r i k . T e r t a r i k d a l a m h a l c e k i n i h a r u s l a h s u a t u b a n k d a n b a n k i n i h a r u s mein- p u n y a i u a n g s i m p a n a n d a r i s i p e n a r i k , d i m a n a s i p e ­ n a r i k b e r h a k u n t u k m e m p e r g u n a k a n s i m p a n a n n y a . S e l a n - j u t n y a p a d a p a s a l 1 8 0 K i t a b U n d a n g - u n d a n g Hu ku m D a g a n g a d a d i k a t a k a n b a h w a a p a b i l a s y a r a t m e n g e n a i u a n g s i m ­ p a n a n t i d a k t e r p e n u h i m a k a t e t a p b e r l a k u s u a t u c e k . D e n g a n d e m i k i a n d a p a t d i k a t a k a n b a h w a s y a r a t i n i t i d a k m u t l a k . S e d a n g k a n m e n g e n a i b i l a m a n a s i t e r t a r i k h a r u s m e m e g a n g u a n g s i m p a n a n d a r i s i p e n a r i k , p a s a l 1 9 0 a / b

  K i t a b U n d a n g - u n d a n g H u ku m D a g a n g m e n g a t a k a n b a h w a u a n g s i m p a n a n i t u h a r u s a d a p a d a s a a t c e k n y a d i t u n j u k k a n k p p a d a t e r t a r i k u n t u k d i b a y a r o l e h s i t e r t a r i k i t u .

  n

  W i r y o n o P r o d j o d i k o r o , Hu ku m W e s e l . C e k d a n A k s e p d i I n d o n e s i a ^ c e t . V I I , S u m u r B a n d u n g , J a k a r t a , 1 9 8 2 , h . 8 2 .

  16 M e n g e n a i t e m p a t p e m b a y a r a n , s e k a l i p u n d a l a m U n -

  d a n g - U n d a n g d i n y a t a k a n b a h w a s e t i a p c e k a p a b i l a d i d a - l a m n y a t i d a k t e r d a p a t s a l a h s a t u s y a r a t f o r m i l s e b a g a j m a n a y a n g t e r c a n t u m p a d a p a s a l 1 7 8 ^ i t a b U n d a n g « u n d a n g H u ku m D a g a n g , m a k a t i d a k b e r l a k u s e b a g a i c e k , s e b e t u l - n y a u n d a n g - u n d a n g m a s i h m e m b e r i k a n p e n g e c u a l i a n d a l a m h a l t e m p a t p e m b a y a r a n y a i t u t e r d a p a t d a l a m p a s a l 1 7 9 y a n g t e l a h d i s e b u t k a n d i m u k a ,

  T a n d a t a n g a n d a r i o r a n g y a n g m e n e r b i t k a n c e k , S y a r a t i n i a d a l a h m e n g e n a i t a n d a t a n g a n p e n a r i k y a n g m e r u p a k a n s y a r a t p e n t i n g b a g i a a h n y a s u a t u c e k , y a n g j u g a s e b a g a i s u a t u a k t a . A d a n y a c e k i t u m e r u p a k a n s u ­ a t u t a n d a b a h w a a d a t e r j a d i s e s u a t u y a n g d i a k u i k e b e - n a r a n n y a o l e h s i p e n a n d a t a n g a n , M e i n b u k ti k a n a d a n y a s e s u a t u p e r n y a t a a n d a r i p e n a n d a t a n g a n , y a n g m e m e r i n - t a h k a n k e p a d a t e r t a r i k u n t u k m e l a k u k a n p e m b a y a r a n b a g i p e m e g a n g c e k t e r s e b u t .

  3 . J u m l a h N o m i n a l M e n g e n a i p e n u l i s a n s u a t u j u m l a h u a n g t e r t e n t u p a d a c e k h a r u s d i t u l i s l e n g k a p d a l a m a r t i b a i k d e n g a n a n g k a m a u p u n d e n g a n h u r u f s e r t a j e l a s ,

  D a l a m h a l t e r d a p a t p e r b e d a a n a n t a r a j u ir tl a h y a n g d i t u l i s d e n g a n a n g k a d a n y a n g d i t u l i s d e n g a n h u r u f m a k a

  17

  y a n g d i p e r l u k a n a d a l a h y a n g d i t u l i s d e n g a n h u r u f y a n g l e n g k a p . S e l a n j u t n y a e e a n d a i n y a d a l a m s e l e m b a r c e k t e r d a p a t p e n u l i s a n h u r u f m a u p u n a n g k a b e r u l a n g - u l a n g d a n t e r d a p a t p e r b e d a a n a n t a r a s a t u d e n g a n y a n g l a i n n y a m a k a y a n g d i p e r l a k u k a n a d a l a h j u m l a h u a n g y a n g t e r - k e c i l . D e j r ti k i a n i s i p a s a l 1 8 6 k i t a b ^ n d a n g - u n d a n g

  H u ku m D a g a n g . D e n g a n d e m i k i a n j e l a s l a h b a h w a k a l a u t e r - n y a t a d a l a m s e h e l a i c e k y a n g n i l a i n o m i n a l n y a d i t u l i s d e n g a n a n g k a d a n b e r u l a n g k a l i , ta m b a h a n a d a y a n g b e r - b e d a , m a k a y a n g b e r l a k u a d a l a h j u m l a h u a n g y a n g t e r k e c i l .

  K a t a " d i t u l i s k a n " y a n g t e r d a p a t p a d a p a s a l 1 8 6 K i t a b U n d a n g - u n d a n g H u ku m D a g a n g t i d a k b e r s i f a t H m i t a t i f s e h i n g g a t i d a k b i s a d i t a f s i r k a n s e c a r a s e m p i t . S e b a b t i d a k d i k a t a k a n b a h w a " d i t u l i s d e n g a n a p a " . D a p a t d i - a r t i k a n d i t u l i s d e n g a n t a n g a n , a t a u d e n g a n m e s i n t u l i s a t a u d a p a t d i t a m b a h l a g i t u l i s a n a n g k a d e n g a n c h e g u e w r i t e r ( p r o t e c t o g r a f ) d e n g a n m a k s u d u n t u k m e n g a m a n k a n a g a r j u m l a h u a n g d a l a m c e k t e r s e b u t t i d a k d i u b a h o l e h p e m e g a n g n y a . k a l a u d e m i k i a n h a l n y a m a k a a p a b i l a d a l a m s e h e l a i c e k t e r d a p a t p e n u l i s a n a n g k a b e r u l a n g - u l a n g d i s a m p i n g t u l i s a n t a n g a n s e r t a t e r d a p a t p u l a t u l i s a n d e n g a n c h e q u e w r i t e r d i a n g g a p t i d a k t e r b a c a / t i d a k a d a .

  D a s a r k e t e n t u a n y a n g d i g u n a k a n B a n k I n d o n e s i a d a l a m h a l i n i i a l a h m e n u r u t k e t e n t u a n K i t a b U n d a n g - u n d a n g H u ku m D a g a n g d i m a n a a n t a r a l a i n d i k a t a k a n

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  b a h w a a p a b i l a p e n y e b u t a n n i l a i n o m i n a l c e k d a l a m a n g k a d a n h u r u f s a m a / c o c o k , m a k a j u m l a h y a n g b e r s a n g k u t a n a a h u n t u k d i b a y a r . S e h i n g g a p e n y e b u t a n n i l a i n o m i n a l d e n g a n m e n g g u n a k a n c h e q u e w r i t e r / p r o t e c t o g r a f p a d a c e k o l e h

  B a n k I n d o n e s i a d i a n g g a p t i d a k t e r b a c a .