Principle of imbalance is very necessary in bisnis contract. But not so in the consumer contract, the existence of the principle of balance is often ignored.It is caused by several factors including the position the unbalanced parties, the rapid development of the business world, unfair business competition, monopolistic practices, as well as the regulatory civil law (aanvulenrechts), so it is easy to be disregarded by the parties including the consumers. In fact, it is not uncommon to ignore this principle of equality caused by the wishes of the parties sendiri.Untuk it required government intervention as a regulatorfor imposing the use of the principle of balance in the consumer contract.

Abstrak: Perbankan merupakan elemen penting dalam pembangunan suatu negara. Fungsi bank sebagai lembaga intermediasi keuangan (financial intermediary institution) tersebut sangat menentukan bagi sukses tidaknya pembangunan ekonomi masyarakat pada suatu negara. Pengaturan Perbankan Syariah dalam Undang-Undang Nomor 7 Tahun 1992 sebagaimana telah diubah dengan Undang-Undang Nomor 10 Tahun 1998 belum spesifik dan kurang mengakomodasi karakteristik operasional Perbankan Syariah sehingga lahirlah UU Nomor 21 Tahun 2008 tentang Perbankan Syariah. Perbankan syariah adalah perbankan yang berdasarkan kepada prinsip syariah. juga berasaskan kepada demokrasi ekonomi dan prinsip kehati-hatian, harus mengandung nilainilai keadilan, kebersamaan, pemerataan dan kemanfaatan. Abstract:Banking is an important element in the development of a country.

Juridically, there is no clear and firm regulation related to the understanding and qualifications of malpractice advocates in Indonesia (there is a legal vacuum), but theoretically there have been many concepts and doctrines relating to legal malpractice, especially advocacy malpractice. In a sociological perspective, there have been many cases of advocacy malpractice that have emerged in the implementation of advocate practices in Indonesia. Meanwhile, in the perspective of legal philosophy, advocates as a noble legal profession (officium nobile) have no fair and certain formula for handling and settlement, both for clients who receive bad service from advocates and for advocates themselves as law enforcement officers. Based on the juridical, sociological, theoretical and philosophical reasons above, it is considered important to discuss the qualifications of an act including the malpractice of the Advocate profession and the forms of accountability of the advocate profession for advocacy malpractice cases. Therefore, this research uses normative legal research. Based on the results of the discussion, this study has the conclusion that the qualifications or parameters of the malpractice act of an advocate, if it meets the following requirements: (1) The existence of legal services provided by an advocate (rights and obligations); (2) Legal services are provided in: (a) below the applicable professional standards; (b) awarded in violation of the "fiduciary" obligation of the advocate; (c) defaults on contracts for providing legal services, or; (d) provided in a manner contrary to applicable law and code of conduct; (3) The advocate's actions take the form of acts against the law (intentional or negligence); (4) There are losses to the client; and (5) The loss is caused by the act of providing legal services by the advocate. There are three forms of advocacy accountability, namely ethical responsibility, juridical responsibility and disciplinary responsibility.

The rule of law through the government must provide public services for its people.  In the conception of the welfare law state, every citizen/every person has the right to obtain good services and obtain legal protection from arbitrary actions by the authorities. Based on Article 1 number 1 of Law Number 39 of 1999 concerning Human Rights, human rights are rights inherent in every human person that must be protected so that human rights are always the core material of a modern state constitution. Legal steps for patients participating in the Health Social Security Administering Body in the perspective of legal protection.

Indonesia merupakan Negara Hukum sesuai dengan dasar Konstitusi Negara Indonesia yaitu pada Pasal 1 ayat (3) Undang-Undang Dasar Negara Republik Indonesia Tahun 1945. Dengan Indonesia menjadi negara hukum tidak menutup kemungkinan Indonesia memiliki lembaga-lembaga baru yang bersifat independen. Dengan muncul adanya lembaga-lembaga baru maka terjadi tumpang tindih kewenangan yang mengakibatkan pada ketidakjelasan lembaga yang mengatur dan berhak untuk mengadili. Berdasarkan pada Putusan Mahkamah Konstitusi Nomor 25/PUU-XII/2014 menyatakan bahwa frasa “dan bebas dari campur tangan pihak lain” yang mengikuti kata “independen” dalam Pasal 1 angka 1 Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan bertentangan dengan Undang-Undang Dasar Negara Republik Indonesia Tahun 1945 dan tidak memiliki kekuatan hukum yang mengikat. Sehingga bunyi Pasal 1 angka 1 Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan jadi “Otoritas Jasa Keuangan, yang selanjutnya disingkat OJK adalah lembaga yang independen, yang mempunyai fungsi, tugas, dan wewenang pengaturan, pengawasan, pemeriksaan dan penyidikan sebagaimana dalam Undang-Undang ini”.