Abstract:
The official consent stipulated in Article 1320 of the Indonesian
Civil Code (KUHPerdata) involves an agreement between
authorized parties and fulfills the legal requirements for a valid
contract. This includes mutual consent between the parties, the
legal capacity to bind themselves, a specific subject matter, and a
lawful cause. The purpose of this study is to examine the civil law
regulations governing employees of PT Permodalan Nasional
Madani (Mekaar) in relation to the unauthorized withdrawal of
customer funds, as well as to analyze the legal protection provided
by the company to affected customers.
This research concludes that there have been instances of
misconduct by certain employees, such as forgery of signatures
and manipulation of documents, to obtain funds without the
customer’s explicit consent—actions that result in both legal and
financial losses for customers. In the context of civil law, such
actions may render the related agreements null and void and give
rise to civil liability for both the employee and the company.
The legal protection provided by the company includes internal
supervision mechanisms, issuance of warnings, mediation,
compensation, and dispute resolution efforts through deliberation
or court proceedings.
