{"id":2141,"date":"2026-02-20T10:47:07","date_gmt":"2026-02-20T03:47:07","guid":{"rendered":"https:\/\/masterdebtcollector.id\/?p=2141"},"modified":"2026-02-20T10:47:07","modified_gmt":"2026-02-20T03:47:07","slug":"bagaimana-dasar-hukum-debt-collector-di-indonesia","status":"publish","type":"post","link":"https:\/\/masterdebtcollector.id\/en\/bagaimana-dasar-hukum-debt-collector-di-indonesia\/","title":{"rendered":"Bagaimana Dasar Hukum Debt Collector di Indonesia?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Dalam dunia bisnis, penagihan utang sering kali menjadi proses yang tidak dapat dihindari, apalagi jika debitur terlambat melakukan pembayaran. Pada kondisi ini, peran debt collector dibutuhkan untuk membantu penagihan secara profesional.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sayangnya, banyak masyarakat yang bingung dengan dasar hukum debt collector dan masih memandang aktivitas ini sebagai tindakan yang melawan hukum. Padahal, kegiatan debt collector sendiri adalah kegiatan yang legal dan sesuai regulasi.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Dasar Hukum Debt Collector<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Secara umum, tidak ada aturan perundang-undangan yang melarang penagihan melalui debt collector. Pada prinsipnya, debt collector bekerja berdasarkan kuasa yang diberikan oleh kreditur untuk menagih utang kepada debitur. Nah, perjanjian pemberian kuasa ini yang diatur dalam KUH Perdata.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Selain itu, ada juga peraturan perundang-undangan yang memungkinkan pihak kreditur menggunakan jasa pihak lain untuk melakukan penagihan utang, yaitu PBI 23\/2021 dan POJK 22\/2023. Peraturan penagihan dalam PBI 23\/2021 ini berkaitan dengan kartu kredit. Sedangkan POJK 22\/2023 mengatur penagihan yang lebih umum untuk produk kredit dan pembiayaan oleh Pelaku Usaha Jasa Keuangan (PUJK).<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Peraturan Penagihan Debt Collector<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Penagihan debt collector bisa dilakukan dengan memperhatikan peraturan yang berlaku, di antaranya Peraturan Bank Indonesia dan Peraturan OJK.<\/span><\/p>\n<h3><b>Peraturan Bank Indonesia<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Berdasarkan peraturan Bank Indonesia, proses penagihan kartu kredit wajib mematuhi pokok etika penagihan utang. Peraturan ini tertuang dalam Pasal 191 ayat (1) PBI 23\/2021. Adapun pokok etika penagihan utang yang dimaksud termasuk beberapa hal berikut ini:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Menjamin bahwa penagihan utang yang dilakukan sendiri atau menggunakan jasa penagihan dilakukan sesuai dengan ketentuan Bank Indonesia dan ketentuan peraturan perundang-undangan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jika menggunakan jasa penagihan, maka wajib menjamin bahwa pelaksanaan penagihan hanya untuk utang dengan kualitas kredit diragukan atau macet, dan kualitas penagihan harus sama dengan jika dilakukan sendiri oleh penyedia jasa pembayaran.<\/span><\/li>\n<\/ol>\n<h3><b>Peraturan OJK<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Dalam Pasal 60 ayat (1) POJK 22\/2023, disebutkan bahwa penagihan terhadap konsumen yang melakukan wanprestasi harus terlebih dahulu diberikan surat peringatan sesuai dengan jangka waktu dalam perjanjian. Adapun surat peringatan tersebut wajib memuat informasi mengenai tanggal jatuh tempo sesuai perjanjian, jumlah keterlambatan pembayaran, <\/span><i><span style=\"font-weight: 400;\">outstanding <\/span><\/i><span style=\"font-weight: 400;\">pokok terutang, manfaat ekonomi pendanaan, dan denda atau ganti rugi yang terutang.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Proses penagihan ini dapat dilakukan oleh pihak lain (debt collector). Namun, dibutuhkan perjanjian tertulis bermeterai cukup sebagai bukti adanya kerja sama antara kreditur dan debt collector. Kerja sama ini juga wajib memenuhi ketentuan yang berlaku, seperti debt collector wajib berbentuk badan hukum, memiliki izin dari instansi berwenang, dan memiliki sumber daya manusia tersertifikasi dalam bidang penagihan. Sertifikasi ini bisa berasal dari lembaga sertifikasi profesi atau asosiasi penyelenggara yang terdaftar di OJK.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Selanjutnya, dalam Pasal 62 ayat (1) POJK 22\/2023 diterangkan bahwa kreditur wajib memastikan proses penagihan dilakukan sesuai dengan norma yang berlaku di masyarakat. Karena itu, penagihan yang dilakukan harus memperhatikan hal-hal berikut ini:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tidak boleh menggunakan ancaman atau kekerasan yang mempermalukan debitur<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tidak boleh menggunakan tekanan fisik ataupun verbal<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hanya dilakukan kepada debitur<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tidak dilakukan secara terus-menerus hingga bersifat mengganggu<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dilakukan di alamat penagihan atau domisili debitur<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hanya berlangsung dari hari Senin &#8211; Sabtu di luar hari libur nasional dan pada pukul 08.00 &#8211; 20.00 waktu setempat<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sesuai dengan ketentuan perundang-undangan yang berlaku<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Itulah dasar hukum debt collector yang perlu Anda ketahui. Jika Anda ingin menggunakan jasa debt collector profesional, Anda bisa mengunjungi <\/span><a href=\"https:\/\/masterdebtcollector.id\/en\/\"><span style=\"font-weight: 400;\">https:\/\/masterdebtcollector.id\/<\/span><\/a><span style=\"font-weight: 400;\">. Anda juga bisa melakukan konsultasi permasalahan utang piutang dengan kami untuk menemukan penyelesaian yang paling efektif dan sesuai kebutuhan Anda.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Dalam dunia bisnis, penagihan utang sering kali menjadi proses yang tidak dapat dihindari, apalagi jika debitur terlambat melakukan pembayaran. Pada kondisi ini, peran debt collector dibutuhkan untuk membantu penagihan secara profesional.\u00a0 Sayangnya, banyak masyarakat yang bingung dengan dasar hukum debt collector dan masih memandang aktivitas ini sebagai tindakan yang melawan hukum. Padahal, kegiatan debt collector [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2142,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,16],"tags":[17,31,36,111,59,54,26,35],"class_list":["post-2141","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-debt-collector","tag-debt-collector","tag-debt-collector-indonesia","tag-debt-collector-jakarta","tag-debt-collector-legal","tag-debt-collector-profesional","tag-jasa-debt-collector","tag-jasa-penagih-hutang","tag-jasa-penagihan-hutang"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bagaimana Dasar Hukum Debt Collector di Indonesia? - Master Debt Collector<\/title>\n<meta name=\"description\" content=\"Dasar hukum debt collector di Indonesia diatur dalam Peraturan Bank Indonesia dan Peraturan OJK, yaitu dalam PBI 23\/2021 dan POJK 22\/2023.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/masterdebtcollector.id\/en\/bagaimana-dasar-hukum-debt-collector-di-indonesia\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bagaimana Dasar Hukum Debt Collector di Indonesia? 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