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All Journal VIVA THEMIS- Jurnal Ilmu Hukum dan Humaniora Lentera Negeri
Andrianto Dwi Prakoso
Universitas Singaperbangsa Karawang
Humanities Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Good faith as a normative standard for policyholder rights in insurance obligation settlement: a doctrinal analysis of the jiwasraya case, 2019-2025 Andrianto Dwi Prakoso; I Ketut Astawa; Tri Setiady
Lentera Negeri Vol. 7 No. 1 (2026): Lentera Negeri
Publisher : Indonesian Institute For Counseling, Education and Therapy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/994070

Abstract

This study examines the legal adequacy of the settlement of PT Asuransi Jiwasraya (Persero)'s obligations to policyholders by using good faith as an explicit normative standard. The issue is examined across the restructuring, policy-transfer, and post-license-revocation stages rather than treating the existence of a settlement mechanism as proof that contractual rights have been fulfilled. This doctrinal legal research applies statutory, conceptual, and case approaches to ten core primary and official materials: the Indonesian Civil Code; Law No. 40 of 2014 on Insurance as amended by Law No. 4 of 2023; OJK Regulation No. 22 of 2023; three Central Jakarta District Court decisions concerning Jiwasraya; two OJK press releases issued in August 2024; and the 2025 OJK decision/announcement revoking Jiwasraya's life-insurance business license. Case-specific materials cover 2019-2025 and were purposively selected for authority, direct relevance to policyholder rights, and connection with restructuring or settlement. The materials were analyzed through grammatical, systematic, and teleological interpretation and deductively coded against five good-faith parameters: contractual certainty and continuity of benefits, transparency and adequacy of information, meaningful consent, proportionality and balance of interests, and access to legal protection and remedies. The analysis shows that restructuring and policy transfer are legally relevant settlement instruments, but they do not by themselves establish substantive fulfillment of all policyholder rights. OJK's reported 99.7% restructuring approval is treated as aggregate evidence of acceptance, not as proof that every consent was informed, voluntary, or equivalent to full contractual performance. The post-revocation stage also leaves continuing duties to protect unresolved policyholder interests. The study contributes a replicable doctrinal framework for assessing insurance-obligation settlements through good faith while recognizing that its conclusions are legal-normative rather than statistically generalizable.
Keamanan Siber Dalam Sistem Pembayaran Digital Dan Implikasi Hukum Bagi Aktivitas Investasi Digital Andrianto Dwi Prakoso; I Ketut Astawa
VIVA THEMIS Vol 9, No 2 (2026): VIVA THEMIS
Publisher : Universitas Sang Bumi Ruwa Jurai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24967/vt.v9i2.5045

Abstract

Penelitian ini mengkaji pengaturan keamanan siber dalam sistem pembayaran digital menurut hukum positif di Indonesia serta implikasi hukumnya terhadap aktivitas investasi digital. Metode yang digunakan adalah yuridis normatif dengan pendekatan perundang-undangan dan konseptual. Hasil penelitian menunjukkan bahwa pengaturan keamanan siber telah diatur dalam aturan transaksi elektronik, penyelenggaraan sistem elektronik, pelindungan data pribadi, serta regulasi sektor sistem pembayaran dan jasa keuangan. Namun, pengaturannya masih tersebar dalam berbagai instrumen hukum sehingga belum sepenuhnya terintegrasi. Penelitian ini juga menemukan bahwa keamanan siber berimplikasi langsung terhadap keabsahan transaksi, tanggung jawab penyelenggara, pelindungan data pribadi, perlindungan investor, dan kepatuhan regulator. Oleh karena itu, keamanan siber harus dipahami sebagai unsur yuridis yang menentukan kepastian hukum, kepercayaan, dan keberlanjutan aktivitas investasi digital di Indonesia.
Kepastian Hukum Perizinan Berusaha Terhadap Peningkatan Investasi UMKM Pasca Implementasi OSS-RBA Di Indonesia Andrianto Dwi Prakoso; Tri Setiady
VIVA THEMIS Vol 9, No 2 (2026): VIVA THEMIS
Publisher : Universitas Sang Bumi Ruwa Jurai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24967/vt.v9i2.5387

Abstract

Penelitian ini membahas kepastian hukum perizinan berusaha terhadap peningkatan investasi UMKM setelah penerapan OSS-RBA di Indonesia. Metode yang digunakan adalah yuridis normatif dengan pendekatan perundang-undangan, konseptual, dan historis. Hasil penelitian menunjukkan bahwa OSS-RBA mempermudah legalitas usaha, mempercepat penerbitan Nomor Induk Berusaha, serta membuka peluang UMKM memperoleh pembiayaan, kemitraan, dan akses ke sektor formal. Namun, kemudahan tersebut belum sepenuhnya diikuti kepastian hukum yang kuat karena masih terdapat kendala berupa izin lanjutan, disharmoni regulasi, serta hambatan teknis dalam pelaksanaannya. Oleh sebab itu, penguatan OSS-RBA perlu diarahkan pada harmonisasi regulasi, penyederhanaan prosedur, dan penegasan status hukum perizinan agar mampu mendorong investasi UMKM secara berkelanjutan serta mendukung pembangunan ekonomi nasional.
Co-Authors I ketut astawa Tri Setiady