Perlindungan konsumen terhadap pemegang kartu ATM atas kerugian pengambilan uang oleh orang lain : analisis Putusan No. 201 K/Pdt.sus/2012 = Consumer protection against ATM card holders money making for losses by others : juridisial review decision analysis of District Court No. 201 K/Pdt.sus/2012 ([, Fakultas Hukum Universitas Indonesia], 2013)