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All Journal Jurnal Hukum Novelty Pembaharuan Hukum Jurnal Akta The 2nd Proceeding Indonesia Clean of Corruption in 2020" Jurnal Wawasan Yuridika JURNAL DOKTRIN Jurnal Notarius DE LEGA LATA: Jurnal Ilmu Hukum Jurnal Yuridis Journal of Education, Humaniora and Social Sciences (JEHSS) Veteran Law Review Pena Justisia: Media Komunikasi dan Kajian Hukum JURNAL ILMIAH ADVOKASI Legalitas: Jurnal Hukum Randwick International of Social Science Journal Indonesian Journal of Education, Social Sciences and Research (IJESSR) Buletin Konstitusi RIO LAW JURNAL Britain International of Humanities and Social Sciences (BIoHS) Journal Proceeding International Seminar of Islamic Studies EduYustisia Jurnal Edukasi Hukum JURNAL RETENTUM INSPIRING LAW JOURNAL
Adi Mansar
Universitas Muhammadiyah Sumatera Utara
Religion Arts Humanities Astronomy Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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LIFE INSURANCE CLAIMS DISPUTE RESOLUTION THROUGH THE CONSUMER DISPUTE RESOLUTION AGENCY (BPSK) Adi Salamat, Padian; Mansar, Adi; Arifin, Muhammad
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 22 No. 2 (2023): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

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Abstract

Life insurance claim dispute resolution is a crucial aspect of consumer legal protection in Indonesia, particularly when claims are rejected by insurance companies. The Consumer Dispute Resolution Agency (BPSK) was established as an alternative out-of-court dispute resolution body, aiming to provide fast, simple, and low-cost resolution. However, in practice, the effectiveness of the BPSK in resolving life insurance claim disputes still faces various obstacles. This study aims to determine the procedures for resolving life insurance claim disputes through the BPSK, identify the obstacles encountered, and analyze efforts to optimize the resolution of these disputes. This study uses a normative legal research method with a statutory and conceptual approach, supported by primary, secondary, and tertiary legal materials. Data collection was conducted through literature review and qualitative analysis. The results indicate that life insurance claim dispute resolution through the BPSK is carried out through mediation, conciliation, and arbitration mechanisms, with final and binding decisions. However, its effectiveness still faces obstacles, including overlapping authority with the Financial Services Authority (OJK), weak enforcement powers of decisions, the technical complexity of insurance disputes, an imbalance in the bargaining position between consumers and businesses, and limited institutional capacity of the BPSK. Optimization efforts that can be implemented include strengthening regulations, harmonizing authority between institutions, increasing human resource capacity, increasing business compliance, and improving public legal and financial literacy. Therefore, strengthening the role of the BPSK is essential to realizing effective legal protection for consumers in life insurance claim disputes in Indonesia
Legal Protection for Creditors Due to Criminal Acts of Embezzlement of Bankrupt Assets by Corporations Siagian, Asrul Azwar; Mansar, Adi; Nadirah, Ida
JURNAL AKTA Vol 13, No 1 (2026): March 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i1.50996

Abstract

Bankruptcy is a legal mechanism intended to ensure the fair and proportional distribution of a debtor's assets among its creditors in accordance with the principle of pari passu prorata parte. However, in practice, corporate debtors frequently commit the criminal act of embezzlement of bankruptcy assets by concealing, transferring, or reducing the value of assets that should form part of the bankruptcy estate. Such actions not only harm creditors as rightful beneficiaries but also undermine legal certainty and the effectiveness of bankruptcy law enforcement in Indonesia. This research aims to analyze the legal framework governing the criminal act of embezzlement of bankruptcy assets by corporations, examine the extent of legal certainty available to creditors, and formulate an ideal model of legal protection for creditors as victims. This study employs a normative juridical method with statutory, conceptual, and case approaches. The findings indicate a legal vacuum in procedural law concerning the criminal liability of corporations for inclusion of bankruptcy assets. Additionally, there exists regulatory disharmony between the Criminal Code, the Bankruptcy and PKPU Law, and Supreme Court Regulation (PERMA) No. 13 of 2016 regarding the prosecution of corporate crime. Therefore, legal reform is necessary through strengthened regulations, integration of criminal asset forfeiture into the bankruptcy estate process, and the consistent enforcement of corporate criminal liability doctrines to ensure effective legal protection for creditors.
Co-Authors Adi Salamat, Padian Albret Duvry Alief Risyawan Arifin Said Ritonga Bennaris Kaban Cakra Tona Parhusip Chandra Purnama Darwinsyah Minin Daulay, Faza Nazilah Dewata, Mukti Fajar Nur Dicki Irvandi Doni Hendra Lubis Dwilizadi, Vania Micha Emiel Salim Siregar Ena Kazić Çakar Erwin Asmadi Faisal Farid Wajdi Farid Wajdi Ferry Susanto Limbong Ferry Susanto Limbong Ghapa, Norhasliza binti Goncalwes Sirait Hamdani Hamdani Hamdi Hasibuan Hanifah, Ida Harahap, Siti Holija Hasyim, Rhizka Annisa Ida Hanifah Lenny Verawaty Siregar Lubis, Pangiutan Tondi M. Arief Kurniawan Mahmud Mulyadi Minin, Agusta Ridha MUHAMMAD ARIFIN Muhammad Arifin Muhammad Arifin Gultom Nadirah, Ida Nasution, Adli Dzil Nasution, Iswarni Panggabean, Ruben Purwoko, Agus R. Juli Moertiono Rajarif Syah Akbar Simatupang Rangkuti, Karnadi Ritonga, Arifin Said Rizki Amalia Salman Abror Saragih, Minggu Siagian, Asrul Azwar Siagian, Mangisara Darmawan Sihombing, Daulat Suprayitno Suprayitno Surya Perdana Tamaulina Br Sembiring Tengku Erwinsyahbana Triono Eddy Verdinan Verdinan Wahyu Sabrudin Sabrudin Waruwu, Khamozaro