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All Journal USU LAW JOURNAL TRANSPARENCY Arena Hukum JURNAL PENGABDIAN KEPADA MASYARAKAT Jurnal IUS (Kajian Hukum dan Keadilan) Sriwijaya Law Review Abdimas Talenta : Jurnal Pengabdian Kepada Masyarakat Jurnal Notarius Pendas : Jurnah Ilmiah Pendidikan Dasar JOURNAL OF SCIENCE AND SOCIAL RESEARCH JURNAL MERCATORIA Legal Standing : Jurnal Ilmu Hukum Unes Law Review Journal of Education, Humaniora and Social Sciences (JEHSS) JURNAL ILMIAH ADVOKASI AL-Ishlah : Jurnal Ilmiah Hukum JHR (Jurnal Hukum Replik) Didaktik : Jurnal Ilmiah PGSD STKIP Subang ARBITER: Jurnal Ilmiah Magister Hukum Jurnal Suara Hukum Randwick International of Social Science Journal Jurnal Scientia NOMOI Law Review Jurnal Al-Hikmah Zaaken: Journal of Civil and Business Law International Journal of Educational Review, Law And Social Sciences (IJERLAS) Journal Equity of Law and Governance Locus: Jurnal Konsep Ilmu Hukum Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Ikatan Penulis Mahasiswa Hukum Indonesia Law Journal Notary Journal Jurnal Hukum Sehasen Locus Journal of Academic Literature Review Syiah Kuala Law Journal Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) Legal Protection for the Partnership Agreement Parties Journal of Law, Poliitic and Humanities Jurnal Pencerah Bangsa Engineering and Technology International Journal (EATIJ) Journal Publicuho Recht Studiosum Law Review Mahadi : Indonesia Journal of Law Jaksa: Jurnal Kajian Ilmu Hukum Dan Politik Jurnal Media Akademik (JMA) Kanun: Jurnal Ilmu Hukum Jurnal As-Syar’i: Jurnal Bimbingan & Konseling Keluarga Jurnal Multidisiplin Indonesia INSPIRING LAW JOURNAL Jurnal Intelek Insan Cendikia SASI Neoclassical Legal Review: Journal of Law and Contemporary Issues ULJLS Jurnal HAM
Sukarja, Detania
Faculty Of Law, Universitas Sumatera Utara, Medan, Indonesia.
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Legal Aspects of Creative Economic Development in Digital Economic Development in Padangsidempuan Mochtar Indra Efendi Siregar; Detania Sukarja; Robert
Journal Equity of Law and Governance Vol. 4 No. 2
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/elg.4.2.10103.366-375

Abstract

Legal aspects of creative economic development in digital economic development by conducting studies in Padangsidempuan City, is important to carry out with the following considerations: There are limitations in terms of legal regulations that both the central government and the regional government of Padangsidempuan City have in supporting the development of the creative economy in digital economic development, so that the implementation of digital economic development in the regions has not run optimally. This research analyzes the legal aspects of developing a digital-based creative economy, the role of local governments in supporting it based on positive laws in Indonesia, as well as the obstacles and the role of the Padangsidempuan City Government in overcoming them. Using a normative juridical method with primary, secondary, literature and field study data, the research concludes that integrated legal support, collaboration between the government and creative economy actors in strategic steps are key to the growth of the digital creative economy in Indonesia, while Padangsidempuan needs to overcome limitations in digital infrastructure, creative education, regulatory harmonization, and intellectual property rights protection. Therefore, it is necessary to develop a strategy for a collaborative model of academia, business and government, or what is called the Triple Helix.
Aspek Hukum Rangkap Jabatan Direksi dan Komisaris Pada Perseroan Terbatas Ditinjau dari Prinsip Good Corporate Governance (GCG) Lamsumihar Andjelina Panggabean; Budiman Ginting; Detania Sukarja
Recht Studiosum Law Review Vol. 2 No. 2 (2023): Volume 2 Nomor 2 (November-2023)
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/rslr.v2i2.12974

Abstract

Rangkap jabatan (interlocking directorate) merupakan praktik yang marak dilakukan oleh Direksi dan Komisaris dalam tata kelola perusahaan di Indonesia. Peraturan perundang-undangan di Indonesia telah mengatur mengenai rangkap jabatan, terdapat ketentuan yang melarang maupun memperbolehkan praktik rangkap jabatan, namun terlepas dari hal tersebut, praktik rangkap jabatan memiliki pengaruh terhadap tata kelola perusahaan yang baik (good corporate governances). Tulisan ini ditujukan untuk menganalisis pengaturan mengenai rangkap jabatan (interlocking directorate) di Indonesia, hubungan prinsip-prinsip good corporate governances (GCG) dengan praktik rangkap jabatan Direksi dan Komisaris pada Perseroan Terbatas, serta penerapan hukum terhadap kasus rangkap jabatan Direksi dan Komisaris pada Perseroan Terbatas di Indonesia dalam kaitannya dengan prinsip-prinsip good corporate governances (GCG). Penelitian menggunakan metode penelitian hukum normatif yang bersifat deskriptif. Data penelitian menggunakan data sekunder yang terdiri dari bahan hukum primer, sekunder, dan tersier yang dikumpulkan dengan teknik studi pustaka (library research). Data diolah dan dianalisis secara kualitatif. Hasil penelitian menunjukkan bahwa pengaturan mengenai rangkap jabatan (interlocking directorate) di Indonesia terdapat dalam berbagai peraturan perundang-undangan sesuai dengan sektor atau bidang masing-masing, namun terdapat ketidaksesuaian dan/atau inkonsistensi diantara ketentuan dalam berbagai peraturan perundang-undangan tersebut. Inkonsistensi ini menimbulkan ketidakpastian hukum sehingga praktik rangkap jabatan masih marak terjadi khususnya dalam ruang lingkup Perseroan Terbatas di Indonesia, sementara apabila dihubungkan dengan prinsip-prinsip tata kelola perusahaan yang baik (good corporate governances), praktik rangkap jabatan memiliki pengaruh terhadap prinsip pertanggungjawaban (responsibility), keterbukaan (tranparancy), dan kemandirian (independency).
Tanggung Jawab Hukum Pengembang Rumah Susun Dalam Perjanjian Pengikatan Jual Beli Tanpa Sertifikat Laik Fungsi Kepada Konsumen Berdasarkan Hukum Positif Indonesia Liza Dameria Marbun; Budiman Ginting; Detania Sukarja
Recht Studiosum Law Review Vol. 2 No. 2 (2023): Volume 2 Nomor 2 (November-2023)
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/rslr.v2i2.14075

Abstract

Rumah Susun atau apartemen adalah solusi pemerintah untuk mengatasi adanya peningkatan kepadatan penduduk di seluruh daerah melalui pengembang. Permasalahannya beberapa kasus ditemukan adanya bangunan gedung rumah susun atau apartemen tanpa Sertifikat Laik Fungsi (SLF) dalam perjanjian pengikatan jual beli setelah dimanfaatkan, tetapi peraturan mewajibkan adanya SLF pada setiap gedung yang termuat dalam Undang-Undang Rumah Susun Nomor 20 Tahun 2011 dan Permen Nomor 27/PRT/M/2018 Tentang Sertifikat Laik Fungsi. Tentu permasalahan tersebut merugikan pihak konsumen dan dampak buruk untuk kedepannya apabila tidak dilakukan secara tegas, sehingga pengembang harus bertanggung jawab secara hukum. Penelitian ini digunakan penelitian hukum normatif dengan pendekatan perundang-undangan. Teknik penelitian studi kepustakaan. Pengolahan data digunakan analisis kualitatif dan sifat penelitian disajikan deskriptif. Hasil penelitian bahwa Keabsahan Perjanjian Pengikatan Jual Beli (PPJB) dalam transaksi jual beli rumah susun atau apartemen yang tidak disertai dengan sertifikat laik fungsi merupakan perjanjian melalui sistem pemesanan dengan menandatangani PPJB yang telah dibuat oleh pengembang kepada konsumen, namun adanya pengembang tidak memperoleh persyaratan dalam peraturan yaitu Pasal 24 Angka 35 UU Cipta Kerja (perubahan dari UU Bangunan Gedung). Apartemen The Reiz Condo Medan (Putusan Pengadilan Negeri Medan Nomor 282/Pdt.G/2021/PN) oleh PT Waskita Karya Realty selaku pengembang terhadap Lina Sutanto selaku pihak konsumen adalah perjanjian tidak sah dan batal demi hukum dikarenakan perjanjian tersebut melanggar syarat objektif dari syarat sahnya perjanjian (Pasal 1320 KUH Perdata) yaitu klausa yang halal, maka perbuatan tersebut merupakan suatu Perbuatan Melawan Hukum (PMH) yang diatur dalam Pasal 1365 KUH Perdata, akibatnya kewajiban untuk mengganti kerugian yang timbul.
Perlindungan Hukum Terhadap Anggota Koperasi Atas Gagal Bayar Koperasi (Studi Putusan Koperasi Simpan Pinjam Sejahtera Bersama No: 238/PDT.SUS/PKPU/2020/PN.NIAGA.JKT.PST) Adelina Mariani Sihombing; Tengku Keizerina Devi Azwar; Detania Sukarja
Recht Studiosum Law Review Vol. 4 No. 2 (2025): Volume 4 Nomor 2 (November - 2025)
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/rslr.v4i2.22173

Abstract

Koperasi Simpan Pinjam (KSP) merupakan jenis koperasi yang memiliki fungsi intermediary yakni menghimpun dana dari masyarakat dan menyalurkannya kembali dalam bentuk pinjaman. KSP ini diatur dalam Undang-Undang No 25 tahun 1992 tentang Perkoperasian, Peraturan Pemerintah No 9 Tahun 1992 tentang Pelaksanaan Kegiatan Simpan Pinjam oleh Koperasi serta peraturan terkait lainnya. Pada realitasnya ditemukan berbagai kendala baik dari aspek regulasi maupun pengawasan sehingga KSP seringkali berujung pada gagal bayar yang menimbulkan kerugian terhadap anggota koperasi. Penelitian ini berfokus pada perlindungan hukum yang diberikan terhadap anggota koperasi yang mengalami gagal bayar oleh KSP. Tujuan penelitian ini adalah untuk menganalisis (1) aspek hukum dari KSP di Indonesia, (2) kepastian hukum terkait tanggung jawab koperasi terhadap simpanan anggota koperasi yang mengalami gagal bayar, (3) konsekuensi hukum akibat adanya gagal bayar dalam kasus KSP Sejahtera Bersama. Penelitian ini menggunakan penelitian hukum normatif yang bersifat deskriptif dengan peraturan perundang-undangan dan studi kasus. Sumber data terdiri dari bahan hukum primer, sekunder, dan non-hukum, serta dianalisis secara kualitatif. Hasil penelitian menunjukan bahwa perlindungan hukum yang diberikan terhadap anggota koperasi yang mengalami gagal bayar tidak diatur secara spefik dalam peraturan perundang-undangan. Namun terdapat beberapa perlindungan hukum yang diberikan kepada anggota koperasi yang dirugikan akibat dari gagal bayar pada koperasi yakni perlindungan hukum secara preventif yang dilakukan dengan pengawasan terhadap kegiatan KSP oleh anggota koperasi melalui rapat anggota dan juga represif yang dilakukan dengan pengajuan gugatan ke pengadilan dan jalan terakhir yang dapat ditempuh oleh anggota koperasi bilamana koperasi sudah tidak mampu lagi mengembalikan simpanan semua anggotanya adalah dengan mengajukan permohonan pailit terhadap KSP. Disarankan bagi pemerintah untuk memperketat pengawasan dan perizinan terhadap usaha KSP serta pemerintah dalam hal ini dapat melakukan kolaborasi dengan KSP untuk dapat mengedukasi masyarakat dalam memilih produk dan jasa dalam KSP.
Marginalized Women in the Political Agenda of North Sumatra: Aspirations for welfare and Legal Protection Detania Sukarja; Harmona Daulay; Mahmul Siregar; Devi Yulida; Annisa Hafizhah
Mahadi: Indonesia Journal of Law Vol. 5 No. 01 (2026): Vol. 05 No. 01 (2026) February Edition 2026
Publisher : Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study examines the extent to which gubernatorial candidates in North Sumatra incorporate women’s rights and welfare into their policy agendas, with specific attention to marginalized women. Although the 1945 Constitution of the Republic of Indonesia mandates the state to safeguard the welfare of all citizens, many women in marginalized positions continue to experience limited access to education, healthcare, economic opportunities, and legal protection. Using a qualitative research design, this study draws on in-depth interviews with 12 marginalized women in Medan, including domestic workers, small-scale traders, women with disabilities, and housewives from economically disadvantaged households. The research explores women’s expectations regarding gubernatorial policies that could improve their access to welfare services, education, healthcare, and legal safeguards. The findings indicate that patriarchal social structures, unequal access to public services, and ongoing gender-based violence remain dominant challenges for marginalized women in North Sumatra. Despite gradual improvements in gender equality, substantial disparities persist. While the policy platform of the gubernatorial candidate pair Muhammad Bobby Afif Nasution and Surya identifies women’s empowerment as a strategic priority, the proposed initiatives lack clear operational frameworks. Conversely, the policy agenda of Edy Rahmayadi and Hasan Basri Sagala places limited emphasis on gender-related concerns. Marginalized women express a strong demand for policies that support skills development, access to micro-capital, and more effective legal protection, accompanied by transparent and accountable governance. This study highlights the need for more concrete and inclusive policy commitments to ensure that women’s empowerment becomes an integral component of regional development in North Sumatra.
PERANAN HUKUM DALAM MENGATASI POTENSI ECONOMIC LEAKAGE AKIBAT KENAIKAN CUKAI ROKOK PASCA PEMBERLAKUAN PERATURAN MENTERI KEUANGAN NOMOR 97 TAHUN 2024 Putri Balqis Ar Rodhiah; Detania Sukarja; Tri Murti Lubis
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 02 (2026): Volume 12 No. 2, Juni 2026 Release
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i02.15313

Abstract

The policy of increasing tobacco excise tariffs through Minister of Finance Regulation Number 97 of 2024 constitutes a fiscal instrument aimed at increasing state revenue and controlling cigarette consumption. However, the policy also has the potential to increase the circulation of illegal cigarettes, which may lead to economic leakage in the form of reduced state revenue from the excise sector. This study aims to analyze the legal framework for excise law enforcement against the circulation of illegal cigarettes, examine the effectiveness of law enforcement in addressing the potential for economic leakage, and identify the obstacles to law enforcement following the enactment of Minister of Finance Regulation Number 97 of 2024. This research employs a normative-empirical legal method using statutory, conceptual, and empirical approaches. Data were obtained through literature study and interviews with the Directorate General of Customs and Excise. The analysis was conducted descriptively and analytically to assess the effectiveness of the implementation of excise regulations in supervising and prosecuting illegal cigarette circulation. The results of the study indicate that the legal framework for excise enforcement in Indonesia has been comprehensively regulated through Law Number 39 of 2007 concerning Excise and its implementing regulations, including Minister of Finance Regulation Number 97 of 2024. However, the implementation of law enforcement has not been fully optimal due to weak distribution supervision, limited law enforcement resources, and suboptimal inter-agency coordination. The increase in excise tariffs has also contributed to a shift among certain consumers toward cheaper illegal cigarettes, thereby increasing the risk of economic leakage and reducing the effectiveness of the state's fiscal policy. In addition, the extensive supervisory area and the complexity of cigarette distribution chains constitute major challenges in eradicating illegal cigarettes. Therefore, stronger supervision of tobacco product distribution, improved coordination among law enforcement agencies, and the optimization of preventive and repressive strategies are necessary to suppress the circulation of illegal cigarettes and minimize the potential for economic leakage resulting from increases in cigarette excise tariffs.
Cyber Notary as A Mean of Indonesian Economic Law Development Ikhsan Lubis; Tarsisius Murwadji; Sunarmi Sunarmi; Detania Sukarja
Sriwijaya Law Review Volume 7, Issue 1 January 2023
Publisher : Faculty of Law, Sriwijaya University, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28946/slrev.Vol7.Iss1.1972.pp62-72

Abstract

This paper tries to show how Indonesian economic law has evolved via the emergence of the cyber notary idea. Notaries engage in various everyday tasks and activities in the fantastic world development, such as giving the clients the finest service possible and impacting the economy. According to the law, notaries are required to be able to help and support anyone who requires genuine written documentation of legal situations, events, or activities. This study employs qualitative approaches and descriptive analysis. Additionally, researchers are interested in the phenomenon that examines the idea of a cyber notary as a way to advance Indonesian commercial law. Qualitative research aims to conduct extremely thorough investigations that examine the research's findings in great detail. Both primary data and secondary data are employed as sources of information. The findings demonstrate that cyber notary adds value to electronic documents by legalising them, for example, in addition to digitising notarial operations. However, because many aspects need to be ready, its implementation will take some time. Article 1868 of the Indonesian Civil Code stipulates that a genuine deed is a deed in a certain form that has been prescribed by law and is made before a public authority.
Revisiting Legal and Ethical Challenges in Fulfilling Human Right to Clean Air in Indonesia Detania Sukarja; Barran Hamzah Nasution
Jurnal HAM Vol 13 No 3 (2022): Edisi Desember
Publisher : Badan Strategi Kebijakan Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30641/ham.2022.13.557-580

Abstract

Pro-investment and development government policies to achieve people's welfare can potentially violate human right to clean air through business activities that contribute to air pollution. In Jakarta, this condition led to a public lawsuit against the central and regional governments, who were considered liable for the air pollution and harm suffered by the community. This study reviews the concept of the right to clean air as a human right and analyzes the legal and ethical challenges in fulfilling human right to clean air in Indonesia. The discussion includes the relationship between business and human rights, the concept of clean air as a human right and a review of the legal framework to enforce liability and accommodate legal remedies and the private initiatives to drive and implement more responsible choices to reduce air pollution. The method used in this study was a literature study with data analyzed qualitatively. The paper concludes that people's right to clean air is a fundamental human right. The fulfillment of human right to clean air can be driven by state's power to impose regulation and the implementation of ethical and responsible business activities by corporations. The government needs to strengthen regulations related to air pollution control and business legal compliance, notably strengthening applicable air quality standards in accordance with evidence-based, internationally recognized standards to protect public health. Similarly, corporations should act as "moral agents" who apply ethical behaviors in their business activities to minimize air pollution.
PEMBUKTIAN SEDERHANA DALAM PERMOHONAN PEMBATALAN PERJANJIAN PERDAMAIAN OLEH KREDITUR YANG TIDAK MEMBERIKAN HAK SUARA DALAM RAPAT PERJANJIAN HOMOLOGASI (STUDI PUTUSAN NOMOR 49 K/PDT.SUS-PAILIT/2025) Yautarin Br Surbakti, Viely; Sukarja, Detania; Robert
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 2, Juni 2026 Release
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.48678

Abstract

This study is motivated by the differing legal interpretations between the Commercial Court and the Supreme Court regarding the application of the principle of simple proof in cases involving a creditor’s petition to annul a settlement agreement where the creditor did not exercise their voting rights at the homologation meeting as addressed in Decision No. 49 K/Pdt.Sus-Pailit/2025. The research issues include the legal provisions on the annulment of a settlement agreement under the PKPU, the application of the principle of simple proof, and the judges’ reasoning in the decision. This study aims to analyze the applicable legal provisions, the application of the principle of simple proof, and the judges’ reasoning in the case. The research method used is a normative legal approach employing statutory analysis and case-based analysis through a literature review. The results indicate that a homologated settlement agreement is binding on all creditors, including those who did not exercise their right to vote. The right to file for annulment of the settlement remains possible if the debtor fails to fulfill the terms of the settlement in accordance with Article 170(1) of the UUK-PKPU. The application of the principle of simple proof should focus on the existence of two or more creditors and the existence of debts that have matured and are collectible, rather than on creditor participation in the homologation meeting. This study concludes that consistent application of the principle of simplified proof is necessary to ensure legal certainty and fair protection for all creditors.
ASPEK HUKUM PERANAN OTORITAS JASA KEUANGAN (OJK) DALAM PEMENUHAN HAK PEMEGANG POLIS ASURANSI OLEH PERUSAHAAN ASURANSI YANG TELAH DINYATAKAN PAILIT Zhavira Zhavira; Sunarmi Sunarmi; Hasim Purba; Detania Sukarja
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 8 No. 4 (2025): November 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i4.5066

Abstract

Abstract: Insurance companies that are in a critical period will raise receivables for policy holders, so that the policy holders are entitled to the money and ask the insurance company to pay the insurance claim debt in accordance with the previously agreed insurance policy. Claiming insurance can lead to problems, such as the company not being able to provide insurance claims, which can lead to debts and possibly the insurance company going bankrupt. What are the consequences of bankruptcy law on insurance companies that have been declared bankrupt? What is the position of insurance policy holders in insurance companies that have been declared bankrupt? What is the role of the Financial Services Authority in protecting the rights of insurance policy holders against insurance companies that have been declared bankrupt? The research method used in this research is normative legal research with library study data collection. The data sources used in this research are primary and secondary data sources and the data analysis used is qualitative. The results of this research are (1) An insurance company that is declared bankrupt or insolvent based on a Commercial Court decision, results in the company losing its civil rights to control and manage its assets since the bankruptcy decision was declared. (2) The policy holder is positioned in the group of creditors with special privileges or as a preferred creditor whose level is higher or prioritized in receiving their rights regarding the distribution of their assets. (3) The Financial Services Authority is required to ensure that the company is insolvent in order to protect more significant interests. Keyword: Bankruptcy, Insurance Company, Financial Services Authority Abstrak: Perusahaan asuransi yang berada dalam masa kritis akan memunculkan piutang bagi  pemegang  polis,  sehingga  pemegang  polis  berhak  atas  uang tersebut  dan meminta  kepada  perusahaan  asuransi  untuk  membayarkan utang  klaim  asuransi sesuai  dengan  polis  asuransi yang  telah  disepakati  sebelumnya. Untuk mengklaim sebuah asuransi bisa saja mendapat permasalahan, seperti halnya pihak perusahaan tidak dapat  memberikan klaim asuransi sehingga dapat memunculkan utang dan memungkinkan perusahaan asuransi tersebut mengalami pailit. Bagaimana akibat hukum kepailitan terhadap perusahaan asuransi yang telah dinyatakan pailit Bagaimana kedudukan pemegang polis asuransi pada perusahaan asuransi yang telah dinyatakan pailit. Bagaimana peran Otoritas Jasa Keuangan dalam melindungi hak pemegang polis asuransi terhadap perusahaan asuransi yang telah dinyatakan pailit. Metode penelitian yang digunakan dalam penelitian ini adalah penelitian hukum normatif dengan pengumpulan data studi kepustakaan. Sumber data yang digunakan dalam penelitian ini adalah sumber data primer dan sekunder dan analisis data yang digunakan bersifat kualitatif. Hasil penelitian iniadalah (1) Perusahaan asuransi yang dinyatakan bangkrut atau pailit berdasarkan putusan Pengadilan Niaga, mengakibatkan Perusahaan tersebut kehilangan hak keperdatanya untuk menguasai dan mengurus kekayaannya sejak putusan pailit dinyatakan. (2) Pemegang polis diposisikan dalam golongan kreditor dengan hak istimewa atau sebagai kreditur preferent yang tingkatannya lebih tinggi atau diutamakan dalam menerima hak-haknya atas pembagian harta kekayaannya. (3) Otoritas Jasa Keuangan diharuskan memastikan bahwasanya perusahaan tersebut memanglah dalam keadaan insolvent guna melindungi kepentingan yang lebih signifikan pula. Kata kunci: Kepailian, Perusahaan Asuransi, Otoritas Jasa Keuangan
Co-Authors 105120100111001, RAHMAN MALIK Adelina Mariani Sihombing Affila Agusmidah Agusmidah Agustono Ariska, Jeffrey Ahmad, Akiruddin Ali Mulyo Utomo Alvi Syahrin Amala, Sri Rizky Amirah Ainun Sofiah Hasibuan Ammanawwara, Ammanawwara Andy Isnanda Annisa Hafizhah Anwar, Tengku Keizrina Devi Atika Chyntya Aulia, Kevin Azhar Ismadi Azwar, Tengku Keizerina Devi Barran Hamzah Nasution BISMAR NASUTION Bismar Nasution Bridail, Bridail BUDIMAN GINTING Budiman Ginting Carl Augustinus Hothinca Soutihon Tampub Charles Anom Chelin Claudia Cindy Theresia Br Manurung Daniel Perananta Perananta Daulay, Harmona Dea Vony Nifili Zega Dedi Harianto Demak Aspian Devano Yohannes Dian Meinar Edgar, Devon Ekaputra, Mohammad Elise ELYSIA ZANETA Sinaga Emya Pratidina Sembiring Faisal Akbar Nasution Fitraeva Pane, Yos Fitri Yanni Dewi Siregar Gary Barus Hafizhah, Annisa Harahap, Mhd Dicky Safii Hari Wijaya Harmona Daulay Hasibuan, Rahmat Anshar HASIM PURBA Hasim Purba Hasyim Purba Hendri Kurniawan Henry Sinaga Hutabarat, Jenrico Louis Ika Wahyuni Ikhsan Lubis Ikhsan Lubis Ikhsan Lubis Imastian Chairandy Siregar Jannah, Rizki Nurul Jelly Leviza Jeni JAudria Loviana Jesica Pasaribu Keizeirina Devi Keizerina Devi Keizerina Devi Azwar, T Keulana Erwin Kezerina Devi Khair, Azizan Khairunnisa Sembiring Kristania Felita Lamsumihar Andjelina Panggabean Leslie, Marco Fernaldy Liza Dameria Marbun Lubis, Ikhsan Lubis, Mayang Sary Br Lubis, Tri Murti Lydia Wirawan Madiasa Ablisar Mahmud Mulyadi MAHMUL SIREGAR Mahmul Siregar Mahmul Siregar Malik Hamid Manik, Candoro Tua Maria Fitriani Lubis Mariane Magda Ketaren Marlina Marlina Marlina Marlina, Marlina Mayang Sary Br Lubis Mirza Nasution Mochtar Indra Efendi Siregar Mochtar Indra Efendi Siregar Muhammad Akbar Muhammad Hadi Muhammad Zhafran Nada Indah Fitrahhani Napitupulu, Bani Praseto Natcha, Natcha Naufal Hidayat NINGRUM NATASYA SIRAIT Ningrum Sirait OK. Saidin Parlin Dony Sipayung Perangin-angin, Donsisko Putri Balqis Ar Rodhiah Putri, Zelika Annisa Rahmat Anshar Hasibuan Rahmat Hasibuan Rahmi Handayani Rahmi Pambpha Patresia M Raymond Adytia Depari Rezki Arafah Rina Alamanda Nasution Ririn Aprillyani Ritonga, Syahdani Rizky Wardiman Rizki , Sauki Rizki Putra, Rahmat Rizkita, Cindy Robert Robert Robert Robert Robert, Robert Rommy Hamzah Rosmalinda, Rosmalinda Rosnidar Sembiring Rudy Haposan Siahaan Rugun Maylinda Rumahorbo, Alberth Mangasi Ruth Siallagan Ryan Samuel Saidin Saidin Saidin, OK Saidin, OK. Salomo Kevin Samuel Midian Tarigan Sarah Indah Nilam Wulandari Sarah Pratiwi Siahaan, Josephine Clara Lamuli Sihombing, Harafuddin Sipahutar, Regina Lois Priscilla Siregar , Mahmul Situmorang, Patricia Catheleene Joty Star Parulian Steven Simanjuntak Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi, Sunarmi Syafrizal Helmi Situmorang Syarifah Lisa Andriati Sylvina Anggita T. Keizerina Devi A T. Keizerina Devi Azwar Tamiarisa Amanda Fasa Rambe Tarigan, Gita Gisela Andriani Br Tarigan, Klaudius Epikuri Loga Tarsisius Murwadji Tarsisius Murwadji Tarsius Murwadji Tengku Keizrina Devi Anwar Tony Adam Tri Murti Tri Murti Lubis Tri Murti Lubis Tumanggor, Deynisa Bella Upsa Vision Vanesia Murni Wahyudi, Ichsan Wessy Trisna Wilbert Wilbert Winda Ramadhani Windy Grace Yautarin Br Surbakti, Viely Yeni Sandy Bangun, Yeni Sandy Bangun Yesi Ansari Yessica Agnes Yulida, Devi Zhavira Zhavira Zhavira, Zhavira `Saidin, OK.