Legal Protection towards the Beneficiaries of PT Asuransi Jiwasraya due to Payment Defaults of the Jiwasraya Savings Plan: A Critical Review Insurance Law

Main Article Content

Rizky Amalia Solichin

Abstract

The failure of Jiwasraya's claim settlements was since it was not a part of their insurance product and it did not comply with  UU No. 40 Tahun 2014. The creation of this research article is to comprehend the unlawful effect of such failure and places responsibility on parties deemed responsible for the losses caused. This research is normative-law research-based, given the evidence of the mismanagement of PT. Asuransi Jiwasraya did not comply with the law and how their board of management disobeyed good governance. Theoretically, PT. Asuransi Jiwasraya bears responsibility, as mentioned in their contractual liability that holds the company responsible. As such is the right of the owner of the insurance policy bought from PT. Asuransi Jiwasraya. As PT. Asuransi Jiwasraya is a state-owned enterprise - the Indonesian government is also partly responsible for its failure. With that in mind, the government has mandated restructuring the Financial Services Authority (OJK) and increasing financial surveillance on PT. Asuransi Jiwasraya, putting the insurance company on a short leash.

Article Details

How to Cite
Solichin, R. A. (2021). Legal Protection towards the Beneficiaries of PT Asuransi Jiwasraya due to Payment Defaults of the Jiwasraya Savings Plan: A Critical Review. Unnes Law Journal: Jurnal Hukum Universitas Negeri Semarang, 7(2), 257-286. https://doi.org/10.15294/ulj.v7i2.47548
Section
Research Article

References

Ansari, Insa Muhammad, “State Owned Enterprise and Public Obligation in the Oil and Gas Sector”, Jurnal Mimbar Hukum, Vol 29, No3, 2017

BPK Harus Temukan Peran Regulator dalam Kasus Jiwasraya | Finansial. (2020, February 3). Bisnis.Com. https://finansial.bisnis.com/read/20200203/215/1196583/bpk-harus-temukan-peran- regulator-dalam-kasus-jiwasraya

Bunga Tetap 10% JS Saving Plan Memicu Goyahnya Jiwasraya sejak 2017—Keuangan Katadata.co.id. (2020, July 2). https://katadata.co.id/agungjatmiko/finansial/5efe872e914ab /bunga-tetap-10-js-saving-plan-memicu-goyahnya-jiwasraya-sejak-2017

Customer: The Jiwasraya Case Is The Result Of The Weak Supervision Of The Ministry Of BUMN And The Ministry Of Finance. (n.d.). VOI - Waktunya Merevolusi Pemberitaan. Retrieved June 20, 2021, from https://voi.id/en/news/23096/customer-the-jiwasraya-case-is-the-result-of-the-weak-supervision-of-the-ministry-of-bumn-and-the-ministry-of-finance

developer, mediaindonesia com. (2020, September 7). Saksi Ahli: Produk Saving Plan Jiwasraya Ilegal. https://mediaindonesia.com/politik-dan-hukum/342922/saksi-ahli-produk-saving-plan- jiwasraya-ilegal.html

Dua Mantan Direksi Jiwasraya Diduga Berinvestasi Ratusan Miliar Rupiah Untuk Sebuah Kafe di Jaksel. (2020, February 12). Tribunnews.com. https://www.tribunnews.com/bisnis/2020/02 /12/dua-mantan-direksi-jiwasraya-diduga-berinvestasi-ratusan-miliar-rupiah-untuk-sebuah-kafe- di-jaksel

Ekonom: OJK Sudah Lakukan Tugasnya di Jiwasraya. (2020, September 10). Republika Online. https://republika.co.id/berita/qgfi9w415/ekonom-ojk-hanya-bisa-awasi-jiwasraya

Indonesia, C. N. N. (n.d.). Tarik SDM dari KPK, Jaksa Agung Berdalih Dalami Jiwasraya. Nasional. Retrieved June 20, 2021, from https://www.cnnindonesia.com/nasional/20200131160521-12-470523/tarik-sdm-dari-kpk-jaksa-agung-berdalih-dalami-jiwasraya

Inilah Tiga Akar Masalah Asuransi Jiwasraya | Finansial. (2021, April 27). Bisnis.Com. https://finansial.bisnis.com/read/20210427/215/1386915/inilah-tiga-akar-masalah-asuransi- jiwasraya

Jaksa Agung Duga Jiwasraya Langgar Prinsip Kehati-hatian. (2019, December 18). Republika Online. https://nasional.republika.co.id/berita/q2pp9m428/jaksa-agung-duga-jiwasraya-langgar-prinsip-kehatihatian

Kasus Jiwasraya Tak Lepas dari Lemahnya Pengawasan Regulator ... Halaman 2. (2020, February 3). hukumonline.com. https://www.hukumonline.com/berita/baca/lt5e37f6b6a9bb4/kasus-jiwasraya- tak-lepas-dari-lemahnya-pengawasan-regulator?page=2

Kasus Jiwasraya, DPR: OJK Tidak Berwenang Blokir Dana Nasabah, (2020, April, 17) Kasus Jiwasraya, DPR: OJK Tidak Berwenang Blokir Dana Nasabah (law-justice.co)

Kemenkeu Sebut Kasus Jiwasraya Unik, Kenapa? | Finansial. (2020, January 10). Bisnis.com. https://finansial.bisnis.com/read/20200110/215/1189028/kemenkeu-sebut-kasus-jiwasraya-unik-kenapa
Kementerian BUMN Minta BPK Transparan soal Jiwasraya. (2020, January 7).
https://www.cnnindonesia.com/ekonomi/20200107203147-92-463280/kementerian-bumn-minta- bpk-transparan-soal-jiwasraya

Liputan6.com. (2020, March 18). Jaksa Agung Didorong Bongkar Korupsi Jiwasraya ke Level Lebih Tinggi. Liputan6.com. https://www.liputan6.com/news/read/4205370/jaksa-agung-didorong-bongkar-korupsi-jiwasraya-ke-level-lebih-tinggi

Media, K. C. (2020, January 15). 4 Solusi Kementerian BUMN Bantu Penyelesaian Kasus Jiwasraya. KOMPAS.com. https://money.kompas.com/read/2020/01/15/140400826/4-solusi-kementerian-bumn-bantu-penyelesaian-kasus-jiwasraya

Media, K. C. (2020, January 15). Kemenkeu Lakukan Pemeriksaan ke KAP Jiwasraya. KOMPAS.com. https://money.kompas.com/read/2020/01/15/143550426/kemenkeu-lakukan-pemeriksaan-ke-kap-jiwasraya

Media, K. C. (2020, September 20). Super Holding BUMN, Mimpi Rini Soemarno yang Dikubur Erick Thohir. KOMPAS.com. https://money.kompas.com/read/2020/09/20/081132426/super-holding-bumn-mimpi-rini-soemarno-yang-dikubur-erick-thohir

Nola, L. F. (2020). PELINDUNGAN HUKUM TERHADAP NASABAH JIWASRAYA. XII(No.2), 6. Nola—PELINDUNGAN HUKUM TERHADAP NASABAH JIWASRAYA.pdf. (n.d.). Retrieved June 20,

Pandemi Covid-19: Jumlah Tertanggung Naik, Kinerja Bisnis Asuransi Tertekan | Finansial. (2020, June 25). Bisnis.Com. https://finansial.bisnis.com/read/20200625/215/1257785/pandemi-covid- 19-jumlah-tertanggung-naik-kinerja-bisnis-asuransi-tertekan

Peranto, O. (n.d.). “IKTIKAD BAIK” DALAM KETENTUAN PASAL 27 AYAT (2) UU NO. 2 TAHUN 2020, PERLUKAH DIPERMASALAHKAN? . Retrieved June 20, 2021, from https://rechtsvinding.bphn.go.id/jurnal_online/IKTIKAD%20BAIK%20DALAM%20KETENTUAN%20PASAL%2027%20AYAT%20(2)%20UU%20NO.%202%20TAHUN%202020.pdf

Pramisti, N. Q. (n.d.). Mimpi Buruk “Rush Money” Jangan Berulang. tirto.id. Retrieved June 20, 2021, from https://tirto.id/mimpi-buruk-rush-money-jangan-berulang-b5lT

Siregar, A. Y. (n.d.). PENGAWASAN OTORITAS JASA KEUANGAN (OJK) DALAM KASUS GAGAL BAYAR POLIS OLEH PT. ASURANSI JIWASRAYA PERSERO. Universitas Sumatera Utara.

Skandal Jiwasraya, BPK: Ini Jauh Lebih Kompleks dari Dugaan. (2020, January 6). https://www.cnbcindonesia.com/market/20200106141553-17-127962/skandal-jiwasraya-bpk-ini- jauh-lebih-kompleks-dari-dugaan

Suryono, Endro Kelik and Rahadat Alfin Brandon, “Tanggung Jawab Hukum PT Jiwasraya Terhadap Nasabah”. Jurnal Meta Yuridis, No (2) September 2020

Syahrizal Sidik. (2020, September 7). Kacau! Produk Saving Plan Jiwasraya Melanggar Undang- Undang. https://www.cnbcindonesia.com/market/20200907153748-17-184951/kacau-produk- saving-plan-jiwasraya-melanggar-undang-undang

Terungkap! Uang Jajan Putri Heru Hidayat Rp 100 Juta/Bulan. (n.d.). Retrieved June 20, 2021, from https://www.cnbcindonesia.com/market/20200812160713-17-179321/terungkap-uang-jajan- putri-heru-hidayat-rp-100-juta-bulan

Tim Restrukturisasi: Ada 3 Akar Masalah Asuransi Jiwasraya. (2021, April 27). Republika Online. https://www.republika.co.id/berita/qs7x4x383/tim-restrukturisasi-ada-3-akar-masalah-asuransi-jiwasraya

Wareza, M. (n.d.). Soal Bailout Jiwasraya, Kementerian BUMN: Ini Jalan Terakhir. Market. Retrieved June 20, 2021, from https://www.cnbcindonesia.com/market/20200225161332-17-140384/soal-bailout-jiwasraya-kementerian-bumn-ini-jalan-terakhir

www.jurnaljabar.id. (n.d.). Kejaksaan Agung Periksa 22 Saksi Kasus Jiwasraya. Https://Www.jurnaljabar.id/. Retrieved June 20, 2021, from https://www.jurnaljabar.id/nasional/kejaksaan-agung-periksa-22-saksi-kasus-jiwasraya-b1ZIr9cwz

Yuliadi, I. (2007). ANALISIS NILAI TUKAR RUPIAH DAN IMPLIKASINYA PADA PEREKONOMIAN INDONESIA: PENDEKATAN ERROR CORRECTION MODEL (ECM). Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan, 8(2), 146. https://doi.org/10.23917/jep.v8i2.1038