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Journal : rechtsidee

Applying The Principle of Insurance on The Credit Life Insurance in The Consumer Lending Faizal Kurniawan; Prawitra Thalib; Hilda Yunita Sabrie
Rechtsidee Vol 4 No 1 (2017): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jihr.v4i1.661

Abstract

The specific task of the commercial banks are as follows: the bank must distribute most of the credit for developing the activities of the cooperatives and entrepreneurs economically weak or small entrepreneurs, the public banking that provides credit in foreign currency required to distribute some the foreign currency credit to finance the activities of non-oil exports and required to perform an assessment of the fulfillment the terms of the feasibility of the debtor's business. In carrying out its functions, the bank must still run banking principles contained in the articles contained in the Banking Act. It is often in distribute the credit, the bank requires the third party, such as the insurance companies. The purpose of insurance companies is to minimize the risks that may be experienced by the bank as debtors failed to pay. The bank is very concerned with their insurance company. There are various types of loans that cannot be separated by the insurance, this study focuses on consumer credit in PT. Bank Jatim. In practice, especially consumer credit lending cannot be separated from the role of the insurance companies. But in operating the bussiness, the insurance companies should also continue to apply the principles of general insurance. The application of the insurance principle is intended that no aggrieved parties. Generally speaking, there will be a conflict of interest between the application of the principles of insurance carried by the insurance company as an insurer with the business aspect of the field of insurance and banking.
Co-Authors Abdullah, Nurhidayah Adinda Prisca Anugerah Puteri Adiwinata, Gianina Elizabeth Agung Triayudi Agus Sekarmadji Agus Yudha Hernoko Aldiansyah, Komari Ali Maksum Aliansa, Wahyu Amanah Agustin Angelica Milano Ardhana Christian Noventri Arif Wahyu Hidayat Aristyawan, Patricia Anais Ave Maria Frisa Katherina Awayakuane, Revolino Robarto Ayik Parameswary Bagus Oktafian Abrianto Bart Jansen Bryan Owen Soeprapto Christian Yulianto Rusli Cleoputri Yusainy Dany Miftahul Ula Darryl Evan Brouwer Debi Setiawati, Debi Dwi Ratna Indri Hapsari Dyah Devina Maya Ganindra Eddy Chandra Erni Agustin Fatmawati Fatmawati Ghansham Anand Gianina Elizabeth Adiwinata Hilda Yunita Sabrie Huzni Murad, Muhammad Syariqul Ilhami Ginang Pratidina Isdian Anggraeny Jusoff, Kamaruzaman Koko Srimulyo Komari Aldiansyah Lorenzo Nieuwenburg M. Hadi Subhan Maghfirah Aliefia Makhfudli Makhfudli Maradona Maradona Maradona, Maradona Maulani, Atiqoh Farhah Maulida, Vetty Silvana Moch. Marsa Taufiqurrohman Mohamad Nur Kholiq Mohamad Nur Kholiq Mohd Ismail, Maria Mohd Sharil Nizam bin Md Radzi Muhammad Amirul Alfan Muhammad Anas Nala Astari Pramesti Newa, Erni Rambu Novariyanto, Rizki Agung Nugraha, Xavier Ode Mohamad Man Arfa Ladamay Patricia Anais Aristyawan Patricia Inge Felany Peter Mahmud Marzuki Pradana Zaky Prastuti Sulistyorini Prastuti Sulistyorini Prawitra Thalib Prawitra Thalib Qona’aha Noor Maajid Radian Salman Ramadhanti, Syifa Ramesh Nair Rizky Amalia Rizky Amalia Romadhon, Pradana Zaky Romadhona, Mochamad Kevin Salah, Mohammed Sapta Aprilianto Satriyo Dwi Suryantoro Satriyo Dwi Suryantoro Shintarini Kristine Setyobudi Simamora, Yohanes Sogar Siti Hafsyah Idris Sri Hajati Sri Hajati Sri Winarsi Suryantoro, Satriyo Dwi Syauqina Maghfirah Salsabila Syifa Ramadhanti Thabib, Prawitra Tobing, Sari Mellina Vetty Silvana Maulida Vetty Silvana Maulida Vincentius Gegap Widyantoro Wahid, Deny Noer Wewi, Krisna Rambu Kaita Winda Pitriani Wisudanto Wisudanto Yohanes Sogar Simamora Yula Anggriani Yulianto Rusli, Christian Yuniarti Yuniarti Zaky, Pradana Zuhairah Ariff Binti Abd Ghadas