Sutrisno, Putri Ayu
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Peran Otoritas Jasa Keuangan (OJK) sebagai Badan Pengawas Terhadap Fenomena Gagal Bayar Polis Asuransi Di Indonesia Njatrijani, Rinitami; Sutrisno, Putri Ayu; Primastito, Cantika Assyifani
Jurnal Pembangunan Hukum Indonesia Volume 6, Nomor 2, Tahun 2024
Publisher : PROGRAM STUDI MAGISTER HUKUM FAKULTAS HUKUM UNIVERSITAS DIPONEGORO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jphi.v6i2.149-168

Abstract

Fenomena gagal bayar polis asuransi oleh perusahaan-perusahaan asuransi marak terjadi di Indonesia, salah satunya perusahaan Badan Usaha Milik Negara yaitu PT. Asuransi Jiwasraya. Penelitian bertujuan untuk mengetahui dan mengkaji faktor penyebab terjadinya gagal bayar polis asuransi di Indonesia, dan untuk menganalisis peran OJK sebagai badan pengawas kegiatan perasuransian, serta upaya pemerintah menyelamatkan PT.Asuransi Jiwasraya. Penelitian ini merupakan penelitian hukum yuridis normatif dengan pendekatan deskriptif analisis. Hasil penelitian menunjukkan bahwa faktor internal perusahaan dan lemahnya pengawasan dari lembaga pengawas OJK menjadi faktor yang mempengaruhi fenomena gagal bayar pada perusahaan asuransi. OJK melakukan pengawasan langsung dan tidak langsung terhadap perusahaan asuransi secara berkala. Upaya pemerintah menyelamatkan PT.Asuransi Jiwasraya dan nasabahnya melalui program restrukturisasi polis asuransi Jiwasraya dan diikuti pengalihan aset-aset PT.Asuransi Jiwasraya kepada PT.IFG Life sebagai debitur baru. Proses pengalihan polis Jiwasraya dilakukan melalui tiga tahapan, yaitu tahap Pengumuman, tahap Sosialisasi, dan tahap Closing. Ditemukannya faktor pendorong tersebut dapat dilakukan pencegahan gagal bayar pada perusahaan asuransi, serta dapat memperbaiki kelemahan pengawasan OJK, dan dapat membantu upaya penyelamatan PT.Asuransi Jiwasraya dan nasabahnya.
Implementation of Prudential Banking Principles: State Responsibility in Combating Banking Crimes in Indonesia Sulistyandari, Sulistyandari; Afwa, Ulil; Sutrisno, Putri Ayu; Nordin, Rohaida
Volksgeist: Jurnal Ilmu Hukum dan Konstitusi Vol. 7 Issue 2 (2024) Volksgeist: Jurnal Ilmu Hukum Dan Konstitusi
Publisher : Faculty of Sharia, Universitas Islam Negeri (UIN) Profesor Kiai Haji Saifuddin Zuhri Purwokerto, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/volksgeist.v7i2.12132

Abstract

The primary function of banks is to gather public deposits and extend credit. While banks aim for profit, they also play a crucial role in enhancing societal welfare, which requires adherence to prudential principles. Unfortunately, banking crimes committed by managers often occur, adversely affecting both the institutions and the public. This study explores the application of prudential principles in banking as a state responsibility, the nature of violations associated with banking crimes, and the enforcement of Banking Law in Indonesia. The research analyzes court decisions related to banking crimes from 2015 to 2020, focusing on the relevant legal substances. Employing a judicial normative method that includes statutory, conceptual, and case analyses, the findings indicate that violations typically arise from managers with decision-making authority and access to internal data, leading to breaches of Banking Law and standard operating procedures (SOPs). Courts respond to these violations with criminal sanctions, while the Financial Services Authority (OJK) revokes licenses as necessary. Recommendations include appointing OJK supervisors with banking expertise and clarifying Article 49, paragraph (2), letter b of the Banking Law to prevent misinterpretation.
The Urgency of the Principle of Balance in the Service Bond Agreement of Lion Air Group Wulandari, Maria Mu’ti; Afwa, Ulil; Sutrisno, Putri Ayu
LEGAL BRIEF Vol. 13 No. 1 (2024): April: Law Science and Field
Publisher : IHSA Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/legal.v13i1.902

Abstract

The concept of balance is vital in work contracts, where mutual fulfillment of rights and obligations ensures justice. Specifically, this study will focus on the balance principle within the service bond work agreement at Lion Air Group, by examining its relevance and the legal protection it offers to pilots. Utilizing a normative juridical approach, the research analyzes the Lion Air Group Service Association Work Agreement. Findings reveal that the agreement between PT. Lion Mentari Airlines and its pilots employs standard clauses which fail to uphold the balance principle. There is an evident imbalance in the rights and obligations of the parties involved. Emphasizing the balance principle is crucial in standard contract agreements to address this disparity. The significance of this principle in work agreements extends to enhancing worker welfare, safeguarding against unjust practices, preventing illegal actions, strengthening industrial relations, and reducing workplace disputes. Overall, the study highlights the urgent need for equitable balance in work contracts to ensure fair and just treatment of all parties involved