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Legal Protection towards the Beneficiaries of PT Asuransi Jiwasraya due to Payment Defaults of the Jiwasraya Savings Plan: A Critical Review Solichin, Rizky Amalia
Unnes Law Journal: Jurnal Hukum Universitas Negeri Semarang Vol 7 No 2 (2021): Unnes L.J. (October, 2021)
Publisher : Faculty of Law Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/ulj.v7i2.47548

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.
Perlindungan Hukum Terhadap Konsumen Dalam Kegiatan Transaksi Elektronik (E-Commerce): Perspektif Undang-Undang Perlindungan Konsumen Tamaela, Kurniawan Willem; Solichin, Rizky Amalia
HUMANIORUM Vol 3 No 3 (2025): Jurnal Humaniorum
Publisher : PT Elaborium Elevasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37010/hmr.v3i3.112

Abstract

This study aims to determine the form of legal protection for consumers in electronic transaction activities (e-commerce) and to find out how consumer dispute resolution in conducting electronic transaction activities (e-commerce). This journal uses a normative study method with normative legal assessment techniques, where research is based on legislation and library materials related to legal issues. This research also applies a statutory approach and a conceptual approach. This research can be concluded as follows: First, the protection for consumers has basically been regulated in Law Number 8 Year 1999 on Consumer Protection (UUPK). However, the existing legal protection regulations have not been able to protect consumers in cross-border e-commerce transactions in Indonesia. Legal protection of consumer rights in electronic transactions cannot rely on one aspect of the law alone, but must involve a system of legal instruments capable of providing simultaneous and comprehensive protection. Therefore, although electronic transaction trading provides many positive impacts, there are also many negative impacts that arise. This is where the importance of regulations in the field of information technology to provide legal protection for consumers in electronic transactions such as Law No. 11/2008 on Electronic Information and Transactions and Government Regulation No. 82/2018 on the Implementation of Electronic Systems and Transactions. Second, consumer dispute resolution in e-commerce transactions has become an important issue in the growing digital era. With the existence of various regulations such as GCPL, ITE Law, and PMSE Regulation, consumers in Indonesia have received adequate legal protection in online transaction activities. Various dispute resolution mechanisms, both through litigation and non-litigation channels, as well as the existence of an internal resolution platform from e-commerce, allow consumers to claim their rights if a problem occurs.