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All Journal Perspektif : Kajian Masalah Hukum dan Pembangunan Kosmik Hukum Jurnal KALANDRA
Desy Nurkristia Tejawati
Fakultas Hukum, Universitas Wijaya Kusuma Surabaya
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Perlindungan Hukum Preventif Bagi Debitor Dalam Pinjaman Online Salviana, Fries Melia; Tejawati, Desy Nurkristia; Wulandari, Shanti
KALANDRA Jurnal Pengabdian Kepada Masyarakat Vol 4 No 5 (2025): September
Publisher : Yayasan Kajian Riset Dan Pengembangan Radisi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55266/jurnalkalandra.v4i5.597

Abstract

Senopati Senior High School Sedati, located at JL Senopati No. 2 Betro, Sedati District, Sidoarjo Regency, carries out its educational activities under the vision of politeness in behavior, serenity and peace of mind, and excellence in both performance and quality. To realize this vision, the school adopts missions that emphasize effective learning, potential development, cultivation of religious values, participatory management, discipline, and dedication. In line with these missions, the school received a community service team from the Faculty of Law, Universitas Wijaya Kusuma, which conducted a preliminary survey to identify existing problems. The survey revealed several cases involving online loans (pinjaman online) that entrapped both teachers and students, resulting in material and immaterial losses. This situation occurred due to a lack of awareness regarding the dangers of online loans, which made individuals vulnerable to such offers. The issue poses a serious risk not only to the teachers and students but also to the institution. Therefore, legal counseling on preventive legal protection for debtors in online loans is urgently needed. The method employed in this activity consists of conducting a preliminary survey to identify the problems, followed by the implementation of legal counseling session
Penerapan Asas Duty to Read Guna Perlindungan Hukum Terhadap Tertanggung Asuransi Jiwa Salviana, Fries Melia; Desy Nurkristia Tejawati; Shanti Wulandari
PERSPEKTIF: Kajian Masalah Hukum dan Pembangunan Vol. 31 No. 1 (2026): Edisi Januari
Publisher : Institute for Research and Community Services (LPPM) of Wijaya Kusuma Surabaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30742/perspektif.v31i1.919

Abstract

Asuransi Jiwa menimbulkan beberapa permasalahan yang dialami oleh ahli waris yang ingin merasakan manfaatnya. Permasalahan yang dihadapi adalah tidak dilaksanakan asas utmost good faith oleh pihak yang melakukan pengalihan risiko atas jiwanya tersebut, selanjutnya disebut dengan tertanggung. Dugaan tersebut timbul karena tidak terisinya formulir yang seharusnya memuat mengenai fakta material dari tertanggung, padahal ada kemungkinan tertanggung tidak mengisi formulir yang terkait dengan fakta material mengenai dirinya tersebut dikarenakan ketidaktahuannya. Artikel tersebut mengkaji dua permasalahan yaitu karakteristik asas duty to read dalam asuransi jiwa dan penerapan asas duty to read dalam perlindungan hukum pada tertanggung asuransi jiwa. Tujuan Penelitian ini adalah menemukan dan menganalisis karakteristik asas duty to read dalam asuransi jiwa serta penerapan asas duty to read oleh tertanggung dalam perlindungan hukum pada tertanggung asuransi jiwa. Metode penelitian yang digunakan adalah penelitian normatif dengan cara meneliti hukum yang berkaitan dengan isu yang dikaji. Hasil penelitian menunjukkan konsep penerapan asas duty to read dalam memberikan perlindungan hukum terdapat tertanggung asuransi jiwa di Indonesia. Life insurance raises several issues for heirs who wish to benefit from it. The issue is the failure to adhere to the principle of utmost good faith by the party transferring the risk of their life, hereinafter referred to as the insured. This suspicion arises from the failure to fill out a form that should contain material facts about the insured, even though it is possible that the insured did not fill out the form related to material facts about themselves due to their ignorance. This article examines two issues: the characteristics of the duty to read principle in life insurance and the application of the duty to read principle in legal protection for life insurance insured persons. The purpose of this study is to find and analyze the characteristics of the duty to read principle in life insurance and the application of the duty to read principle by the insured in legal protection for life insurance insured persons. The research method used is normative research by examining laws related to the issue being studied. The results of the study indicate that the concept of applying the duty to read principle in providing legal protection exists for life insurance insured persons in Indonesia.
Co-Authors Salviana, Fries Melia Wulandari, Shanti