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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.
Welfare State dalam Urgensi Land Banking di Indonesia Desy Nurkristia Tejawati; Fries Melia Salviana; Shanti Wulandari
Kosmik Hukum Vol. 21 No. 2 (2021)
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/kosmikhukum.v21i2.10237

Abstract

The high demand for housing has caused land prices to soar. This of course makes it difficult to build affordable housing for Low-Income Communities in urban areas. As a result, they will try to find a place to live as much as they can, such as by the river or railroad. Of course this is another problem in urban areas. Problems that can arise are flooding, environmental pollution, and the emergence of slum settlements. The alternative in solving this problem is the availability of land at an affordable price or with the Land Banking Principles to achieve community welfare. Based on the above background, the formulation of the problem can be described, namely how the Legal Characteristics of Land Banking and the application of Land Banking in Indonesia based on the Welfare State perspective. While the purpose of this research is of course to find and analyze the legal characteristics of Land Banking and to analyze and find the application of Land Banking in Indonesia from the perspective of Welfare State. This research is a normative juridical research or literature law research by examining existing literature, both primary and secondary legal materials, using a statutory and conceptual approach to later categorization and analysis.Land bank is a land policy where there is state authority either from the government itself or from an independent institution that has the authority to acquire, manage, regulate and distribute abandoned land for public purposes according to government programs. The concept of Land Banking, which is a land policy where there is state authority either from the government itself or from an independent institution that has the authority to acquire, manage, regulate and distribute abandoned land for public purposes according to government programs. This concept can be said to be a concept as an attempt by the government to fulfill its obligations in order to achieve the welfare of society by making a policy. The government made a Land Banking policy because land is an important element for the community as a place to live. Meanwhile, the residence itself can be said to be the primary need of the community. So that if the primary needs are achieved, the welfare of the community will also be achieved. Of course, in this case the organizer of the Land Banking concept is expected to be the government itself, so that later this concept will not be shifted from the original goal, namely for the welfare of the community. In addition, it is hoped that the policy can be made in written form so as to guarantee legal certainty.Keywords: Welfare State, Land Banking, Society