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All Journal Jurnal CENDIKIA ISNU Jurnal Cendikia ISNU SU Optimal: Jurnal Ekonomi dan Manajemen
Ibnu Farhan
Universitas Islam Negeri Sumatera Utara
Religion Arts Humanities Law, Crime, Criminology & Criminal Justice

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Civil Law Analysis of Life Insurance Agreements in the Context of Contractual Justice for Consumer Ardelina Ayu Lestari; Dini Sakinah; Bahzi Atsil; Nurul Fattah Poham; Ibnu Farhan
Jurnal Cendikia ISNU SU Vol. 2 No. 1 (2025): Mei : JCISNU
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jcisnu.v2i2.842

Abstract

A life insurance contract is a form of contractual agreement between an insurance company as a business actor and the insured as a consumer. In practice, the imbalance in position between the two parties often gives rise to issues of contractual fairness, particularly when the policy terms and conditions tend to be unilateral and not fully understood by the consumer. This study aims to analyze life insurance contracts based on the principles of civil law, particularly the principles of freedom of contract, good faith, and balance in the contract. The research method used is a normative juridical approach with a literature review of laws and regulations, legal doctrine, and relevant court decisions. The results of the analysis indicate that although formally the life insurance contract meets the requirements for a valid contract according to Article 1320 of the Civil Code, the substance of the contract clauses often contradicts the principle of fairness, particularly in terms of exclusions of coverage, unilateral cancellation, and premium provisions. Therefore, it is necessary to enforce the principle of consumer protection through strict supervision by relevant authorities such as the Financial Services Authority (OJK), as well as legal interpretation that favors substantial justice for consumers. This study concludes that updating the contract model and strengthening regulations are necessary to ensure a balance of rights and obligations between parties in a life insurance agreement.
Civil Law Analysis of Life Insurance Agreements in the Context of Contractual Justice for Consumer Ardelina Ayu Lestari; Dini Sakinah; Bahzi Atsil; Nurul Fattah Poham; Ibnu Farhan
Jurnal Cendikia ISNU SU Vol. 2 No. 1 (2025): Mei : JCISNU
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jcisnu.v2i2.842

Abstract

A life insurance contract is a form of contractual agreement between an insurance company as a business actor and the insured as a consumer. In practice, the imbalance in position between the two parties often gives rise to issues of contractual fairness, particularly when the policy terms and conditions tend to be unilateral and not fully understood by the consumer. This study aims to analyze life insurance contracts based on the principles of civil law, particularly the principles of freedom of contract, good faith, and balance in the contract. The research method used is a normative juridical approach with a literature review of laws and regulations, legal doctrine, and relevant court decisions. The results of the analysis indicate that although formally the life insurance contract meets the requirements for a valid contract according to Article 1320 of the Civil Code, the substance of the contract clauses often contradicts the principle of fairness, particularly in terms of exclusions of coverage, unilateral cancellation, and premium provisions. Therefore, it is necessary to enforce the principle of consumer protection through strict supervision by relevant authorities such as the Financial Services Authority (OJK), as well as legal interpretation that favors substantial justice for consumers. This study concludes that updating the contract model and strengthening regulations are necessary to ensure a balance of rights and obligations between parties in a life insurance agreement.
Pengaruh Inovasi, Rotasi Jabatan, Motivasi Kerja, Dan Employee Participation Terhadap Produktivitas Kinerja Karyawan : (Studi Kasus Pada PT. BPRS Al-Washliyah Medan) Ibnu Farhan; Nurbaiti Nurbaiti; Nuri Aslami
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 3 No. 4 (2023): Desember : Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v3i4.2306

Abstract

This research aims to determine the influence of innovation, position rotation, motivation and employee participation on the productivity of employee performance at PT. BPRS AL-Washliyah Medan. This research uses quantitative methods and an explanatory approach, data collection techniques using questionnaires and the population and sample in this research are 30 employees who work at BPRS Al-Washliyah Medan. Data samples were analyzed using saturation techniques. Data were analyzed using multiple linear regression methods. The results of this research show that Innovation has no significant effect on Employee Performance Productivity, Position Rotation has no significant effect on Employee Performance Productivity, Motivation has a significant effect on Employee Performance Productivity, and Employee Participation has no significant effect on employee productivity. And the results of the F Test (simultaneous test) show that Innovation, Position Rotation, Motivation and Employee Participation simultaneously influence employee performance productivity.
Co-Authors Adjie Umair Harvis Ardelina Ayu Lestari Bagus Herlambang Bahzi Atsil Dini Sakinah Layla Witra Nurbaiti Nurbaiti Nuri Aslami Nurul Fattah Poham Vania Andari Damanik Zayyan Tsabitah Panjaitan