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Dedi Harianto
Fakultas Hukum Universitas Sumatera Utara, Medan
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Journal : Acta Law Journal

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Penyelesaian Sengketa Konsumen Antara Alvarendra Ataya Anas Dengan PT Citra Van Titipan Kilat (TIKI) (Analisa Putusan Mahkamah Agung No. 175K/Pdt.Sus-BPSK/2021) Manullang, Ganesti Gebryella; Dedi Harianto; Aflah
Acta Law Journal Vol. 2 No. 1 (2023): December 2023
Publisher : Talenta Publisher, Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/alj.v2i1.15473

Abstract

The implementation of goods delivery carried out by PT Citra Van Titipan Kilat (TIKI) as a provider of goods delivery services does not always run smoothly. As happened in BPSK Bekasi City Decision No. 011/REG/BPSK-BKS/2020, The formulation of the problems in this journal, namely how is the regulation of consumer dispute resolution in goods delivery service disputes in Indonesia, how is the responsibility of the goods delivery service business actor for consumer losses due to negligence that occurs in the goods delivery service business in Supreme Court Decision No. 175K/Pdt.Sus-BPSK/2021, and how is the analysis of considerations and judges' decisions related to the settlement of consumer disputes between Alvarendra Ataya Anas and PT Citra Van Titipan Kilat (TIKI) in Supreme Court Decision No. 175K/Pdt.Sus-BPSK/2021. The method used in writing this journal is the normative juridical method, namely library legal research, the nature of the research used is descriptive and analytical. The form of responsibility of PT Citra Van Titipan Kilat (TIKI) for consumer losses in BPSK Bekasi City Decision No. 011/REG/BPSK-BKS/2020 is in the form of administrative sanctions given to PT Citra Van Titipan Kilat (TIKI) in the amount of Rp1,000,000.00 (one million rupiah). BPSK Bekasi City Decision No. 011/REG/BPSK-BKS/2020 is in accordance with the applicable legal provisions.
Insurance Company's Responsibility for Bank Loan Installment Payments in the Event of Debtor's Death (Study of Court Decision Number 613/Pdt.G/2023/PN Smg) Sitorus, Dinda Rizka Molina; Purba , Hasim; Harianto, Dedi
Acta Law Journal Vol. 4 No. 1 (2025): December 2025
Publisher : Talenta Publisher, Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/alj.v4i1.23307

Abstract

Credit agreements between banks and debtors are generally supplemented with credit life insurance to minimize the risk of default due to the death of the debtor. In practice, if the debtor dies, the insurance company is obliged to pay the remaining credit to the bank in accordance with the provisions in the policy. However, in Court Decision Number 613/Pdt.G/2023/PN.Smg, a legal problem was found where the insurance company and the bank did not fulfill their obligations to pay life insurance claims to the debtor's heirs. The issues in this study include how the insurance company's responsibility is regulated in relation to the debtor's life insurance claim and how the judge's considerations and decisions relate to the rejection of claim payments. The research method used in this study is normative, descriptive legal research with a legislative approach and a case study of court decisions, using secondary data with primary and secondary legal materials. The data collection method was conducted through literature study and deductive conclusions were drawn. The results of the study show that the regulation of the insurance company's responsibility in paying debtor life insurance claims as collateral for bank loan repayment is based on Article 246 of the Commercial Code concerning risk transfer agreements with premium payments, as well as Articles 1320 and 1338 of the Civil Code concerning the valid terms of an agreement and the obligation to implement it in good faith. Based on Court Decision Number 613/Pdt.G/2023/PN.Smg, unilateral termination of insurance cooperation without notification to the debtor violates Article 1338 Paragraphs (1) and (3) of the Civil Code. The judge ruled that the rejection of claims was contrary to the legal basis, so that the insurance company was still obliged to pay off the debtor's remaining credit to the bank. Thus, this decision reinforces the principle of pacta sunt servanda (agreements must be fulfilled) and provides legal certainty for debtors and heirs in legal relationships related to credit life insurance.
Co-Authors Achmad Romadin Adji Suryapranata Aflah Agusmidah Agusmidah Ahmad Ahmad Ahmad Ahmad khairi Akbar Ahmad Sirfi Fatoni Ahmad Zailani Aida Nur Hasanah Aisyah Mehulina Siregar, Nur AKBAR, REZA KURNIA Akib, Ambarwati Alfian Alfian Alvi Syahrin Alya Afifa, Mutiara Amelia Natasya Saragih Amel Andalan Zalukhu Andini Pratiwi Siregar Andrianti , Syarifah Lisa Andrianti, Syarifah Lisa Asmadi Lubis Azam, Syaiful Azis, Fajriani Azwar, Tengku Keizerina Devi Badaruddin Anwar Bahri, Nur Alim Batubara, Ichsan Aulia Bismar Nasution Br Hutagalu, Beatrix Nancy Monica Bridail, Bridail BUDIMAN GINTING Cesylia Anggita Fitri Chairuna, Tengku Mita Cheryl Yuswar Christiany Purba, Ennyta Cut Nabilla Sarika Dickyhadino Tesa Djodie, Mohammad Effan Donny Mangiring Tua Siburian Dumaria Nainggolan Dwi Ayu Siti Hartinah Dwi Utami, Dwi Edi Warman Edi Yunara Edi Yunara Erniyani, Erniyani Fadhilla, Andi Fahri, Anwar Faisal Akbar Farhan Dwinanda Hanisyahputra Fatimah Islamy Nasution Geby Aviqa Halida Rahardhini Hamzah, Hajrah Hani Riadho Nasution Hasibuan, Dedean Herawani Hasim Purba Hasim Purba HASIM PURBA Hasim Purba Hasyim Purba Hasyim, Sitti Hajerah Henny Putri Raya Bernice Marpaung Hidayat, Hayekal Huller Gabe Dimpos Sinaga Hutabarat, Apdal Hutagalung, Gomgomie Andrew Ibnu Kholik Idha Aprilyana Sembiring Iman Jauhari Indra Kurniawan Irene Putri Kartikasari Siregar Irfan Hadi Isnaeny, Nurul Jelly Leviza Joenari Anthony Marpaung Joni Emirzon Joshua Hamonangan Rafael Siahaan Juliani Simalango, Yessica Julieta Santi Simorangkir Jusnizar Sinaga Kaban, Maria Kamelo, Tan Karlini, Karlini Kartika, Sahnaz Kartina Pakpahan Keizerina Devi Keizerina Devi Azwar Kemala Atika Hayati Khair, Muhammad Haikal Khoirunnisa, Nabila Kurniati, Agata Lamtiur Imelda P Nababan Lase, Intan Nurjannah Lee, Marcella Lestari Victoria Sinaga Lingga, Juan Rana Hizkia Lingga, Nimrod Gandatua Liza Bayduri Nasution Lubis, Ikhsan Lubis, Tri Murti M Febriyandri Satria Madiasa Ablisar Madiasa Ablisar Mahmud Mulyadi MAHMUL SIREGAR Majiding, Nurul Chalisa Manik, Candoro Tua Manik, Toga Manullang, Ganesti Gebryella Maria Kaban Mariane Magda Ketaren Marlina Marlina Maulana Al-Chairi Nasution, Fachri Mhd Edwin Prananta Surbakti Muhammad Azis Muhammad Hamdan Muhammad Iqbal Tarigan Muhammad Yamin Mulfiya Mulfiya Mulhadi Mulhadi Mulhadi Mulhadi Mulhadi Mulhadi, Mulhadi Mustamam Mustamam Naiborhu, Liana K.T Nanda Lucya Gultom Nasution, Mirza NINGRUM NATASYA SIRAIT Nora Salisa Novanema Duha Noviyanti Wulandari Sitepu Novrilanimisy Novrilanimisy Nugroho, M. Setyo Nur Alim Bahri Nur Rahmi Nuraisyiah Nuraisyiah, Nuraisyiah Nurwahida Panggabean, Artha Priscilia Margareth Perangin-angin, Donsisko Pierre H. Gosal Popy Roza Porizky Bernandus Handara Sagal Posma Otto Martua Manalu Pratiwi Damanik, Maristella Prawira Kamila Prayogo Hindrawan Purba , Hasim Purba, M Hadyan Yunhas Putra, Hadian Indrawan Putri Syakbania Dalimunthe Putri, Zelika Annisa Rabiatul Adawiyah Rafiqi Rafiqoh lubis Rahman Frija Rambe, Nurfahlita Dewi Reza Rizaldy Kartiwa Ridho Mubarak Ridwan Andi Mattoliang Rismawaty Rismawaty Ritonga, Joni Sandri Rizkan Zulyadi Robert, Robert Rosnidar Sembiring Ruben Tambunan Rudy Haposan Siahaan Runtung Runtung Runtung Sitepu Runtung Sitepu Sahade Saidin Saidin Saidin saidin, saidin Salsabila Batubara Salsabilla Rizky Fauzi, Amanda Saragih, Riahmawati Septiary Pratiwi Musa, Kartika Silfia Agustina Simanjuntak, Surya Ulies Resky Sipayung, Jekson Siti Nurahmi Nasution Sitinjak, Erizal Sitompul, Patartua H. Sitorus, Dinda Rizka Molina Situmorang, Josua Pebruanto Mangihut Situmorang, Reward Sri Asmira Sri Hartati Br. Nadapdap Sri Utami Suhaidi Suhaidi Suhaidi Suhaidi Suhaidi Suhaidi Suhaidi Sukarja, Detania Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi, Sunarmi Suprayitno Suprayitno Syafruddin Kalo Syamsiar, Syamsiar Syarifah Lisa Andriati T Keizerina Devi Azwar T. Keizerina Devi T. Keizerina Devi A. T. Keizerina Devi Azwar T. Keizerina Devi Azwar Tan Kamello Tan Kamello Tan Kamello Tan Kamelo Tarigan, Gita Gisela Andriani Br Tarsisius Murwadji Tiffany, Tiffany Tranis Bella H Turnip, Palber Utary Maharani Barus Utary Maharani Barus Utary Maharany Barus Utary Maharany, Utary Wanda Myra Carissa Wau, Hilbertus Sumplisius M. Widya Sari Yordinand, Yordinand Yulandari, Mesy Yusrin Zaidar, Zaidar Zam Zam Jamilah Zamakhsyari bin Hasballah Thaib Zohaib Hassan Sain