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Sukarja, Detania
Faculty Of Law, Universitas Sumatera Utara, Medan, Indonesia.
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ASPEK HUKUM PERANAN OTORITAS JASA KEUANGAN (OJK) DALAM PEMENUHAN HAK PEMEGANG POLIS ASURANSI OLEH PERUSAHAAN ASURANSI YANG TELAH DINYATAKAN PAILIT Zhavira, Zhavira; Sunarmi, Sunarmi; Purba, Hasim; Sukarja, Detania
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
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) Sihombing, Adelina Mariani; 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.
IMPLIKASI HUKUM KETIDAKAKTIFAN KOPERASI TERHADAP PERTANGGUNGJAWABAN PENGURUS: STUDI PADA DINAS PERDAGANGAN DAN KOPERASI UKM KABUPATEN LABUHANBATU UTARA Rizki , Sauki; Sukarja, Detania; Robert, Robert
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 3 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v5i3.4370

Abstract

The inactivity of cooperatives constitutes a significant legal issue, particularly in relation to the accountability of cooperative management. Although an inactive cooperative no longer conducts business activities, it legally remains a corporate entity as long as its dissolution has not been formally executed in accordance with statutory provisions. This condition creates legal uncertainty, as cooperatives are expected to continuously perform their economic and social functions. This study aims to analyze the legal implications of cooperative inactivity on the liability of cooperative managers and to examine the role of the Department of Trade and Cooperatives for Micro, Small, and Medium Enterprises (MSMEs) in Labuhanbatu Utara Regency in supervising and fostering inactive cooperatives. The research employs a normative juridical method supported by empirical data, obtained through document analysis and interviews, and analyzed qualitatively. The findings indicate that the inactive status of a cooperative does not eliminate the legal and civil liability of its management. Cooperative managers remain responsible for the management and administration of the cooperative as stipulated in Articles 31 and 34 of Law Number 25 of 1992 on Cooperatives, particularly when losses arise due to negligence or intentional misconduct. Furthermore, the Department of Trade and Cooperatives for MSMEs plays a strategic role through guidance, supervision, governance assistance, capacity building for managers, and periodic monitoring and evaluation. These efforts aim to encourage cooperative revitalization or, where necessary, lawful dissolution to ensure legal certainty, protect members and third parties, and promote sustainable cooperative development.
Marginalized Women in the Political Agenda of North Sumatra: Aspirations for welfare and Legal Protection Sukarja, Detania; Daulay, Harmona; Siregar, Mahmul; Yulida, Devi; Hafizhah, Annisa
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.
IMPLIKASI POLITIK HUKUM KEIMIGRASIAN INDONESIA DALAM PEMBATASAN PERLINTASAN TERHADAP PEMULIHAN EKONOMI PASCA KEADAAN DARURAT COVID-19 Ika Wahyuni; Mahmul Siregar; Detania Sukarja; Mirza Nasution
Journal Publicuho Vol. 8 No. 2 (2025): May - July - Journal Publicuho
Publisher : Halu Oleo University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35817/publicuho.v8i2.782

Abstract

This research analyses the legal politics of Indonesia's immigration policy during and after the COVID-19 pandemic in the context of national economic recovery. By employing a normative juridical method with a conceptual and statutory approach, the study explores how legal instruments such as visa restrictions and movement control served as tools to protect national security and public health, while also impacting state revenue from the non-tax sector. The results show that post-pandemic immigration policy was strategically adapted to optimise economic functions, such as through the implementation of selective visa policies and innovations like the "Eazy Passport" service. These efforts contributed significantly to the recovery of tourism and the increase of non-tax state revenue (PNBP). The study concludes that immigration policy has effectively transformed from a regulatory mechanism into an economic stimulus instrument, and recommends that future immigration policy remain adaptive and balanced between economic benefit and national security.
Co-Authors Affila Agusmidah Agusmidah Agustono Ariska, Jeffrey Ahmad, Akiruddin Ali Mulyo Utomo Alvi Syahrin Amala, Sri Rizky Amirah Ainun Sofiah Hasibuan Ammanawwara, Ammanawwara Andjelina Panggabean, Lamsumihar Andy Isnanda 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 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 Lisa Andriati, Syarifah Lubis, Ikhsan Lubis, Mayang Sary Br Lubis, Tri Murti Lydia Wirawan Madiasa Ablisar Mahmud Mulyadi Mahmul Siregar MAHMUL SIREGAR Malik Hamid Malik, Rahman Manik, Candoro Tua Marbun, Liza Dameria Maria Fitriani Lubis Mariane Magda Ketaren Marlina Marlina Marlina Marlina, Marlina Mayang Sary Br Lubis Mirza Nasution 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, 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 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, Adelina Mariani 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 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 Yeni Sandy Bangun, Yeni Sandy Bangun Yesi Ansari Yessica Agnes Yulida, Devi Zhavira, Zhavira `Saidin, OK.