scholarly journals Tanggung Jawab Hukum Perjanjian Asuransi Jiwa Unit Link di PT. Prudential Life Assurance Jakarta

Wajah Hukum ◽  
2021 ◽  
Vol 5 (1) ◽  
pp. 61
Author(s):  
Christine Magdalena Kurniasih Sena ◽  
Suherman Suherman
Keyword(s):  
Life Insurance ◽  
Financial Services ◽  
Legal Liability ◽  
Voluntary Agreement ◽  
Legal Research ◽  
Conceptual Approach ◽  
Life Assurance ◽  
Insurance Product ◽  
Circular Letter ◽  
Insurance Agreement

This study aims to determine and understand how the legal liability of the Prudential Life Assurance Company in carrying out and marketing unit-linked life insurance products, namely insurance products that are linked to investment according to the prevailing laws and regulations. In addition, this study also aims to determine how the responsibility of agent who act for and on behalf of the company in entering into unit-linked insurance product agreements and what risks must be borne by the insurer and the insured against the unit-linked life insurance agreement. This research uses normative legal research with a statutory approach and a conceptual approach. The result of this research is that the unit linked insurance agreement is included in the agreement in general which contains the principle of consensualism, namely the existence of a voluntary agreement in this case to enter into an insurance contract agreement between the insurer and the insured. Prudential Indonesia in marketing unit-linked life insurance products has also complied with the provisions in the Financial Services Authority Circular Letter Number /SEOJK.05/2019 concerning Insurance Products Related to Investment.

scholarly journals The Legal Liability of Fintech Companies for Accessing Telephone Contact Lists and Photo Galleries in the Online Loan Process

2021 ◽  
Vol 8 (2) ◽  
pp. 191
Author(s):  
Rizkyka Virgionandy ◽  
Lalu Husni ◽  
Muhaimin Muhaimin
Keyword(s):  
Research Method ◽  
Criminal Liability ◽  
Personal Data ◽  
Legal Liability ◽  
Legal Research ◽  
Conceptual Approach ◽  
Telephone Contact ◽  
Board Of Governors ◽  
Circular Letter ◽  
Legal Accountability

This research is aimed at analyzing arrangements regarding online loans in Indonesia, analyzing the protection of personal data for accessing telephone contact lists and photo galleries of users in online loans, and analyzing the legal liability of fintech companies for accessing telephone contact lists and photo galleries in the online loan process. used is a normative legal research method, using a statutory approach and a conceptual approach. The results of this first study, regulations regarding online loans according to Indonesian law are contained in POJK No.77 / POJK.0 / 2016, OJK Circular Letter No. 18 / SEOJK.02 / 2017, Bank Indonesia Regulation No. 19/12 / PBI / 2017, Bank Indonesia Regulation No.18 / 40 / PBI / 2016, Regulation of Members of the Board of Governors No.19 / 14 / PADG / 2017, and Regulation of Members of the Board of Governors No. 19/15 / PADG / 2017. Second, the protection of personal data against accessing telephone contact lists and photo galleries in online loans is in the form of preventive protection and repressive protection. Third, the legal accountability of fintech companies for accessing telephone contact lists and photo galleries in the online loan process is carried out by means of civil liability, criminal liability, and administrative responsibility.

scholarly journals Tanggung Jawab Pihak Asuransi Terhadap Perjanjian Kredit Bank Dalam Hal Debitur Meninggal Dunia

2021 ◽  
Vol 2 (1) ◽  
pp. 196-201
Author(s):  
Ni Putu Purnama Wati ◽  
Ni Luh Made Mahendrawati ◽  
Desak Gde Dwi Arini
Keyword(s):  
Life Insurance ◽  
Research Method ◽  
Civil Code ◽  
Insurance Company ◽  
Conceptual Approach ◽  
Interested Party ◽  
Legal Consequence ◽  
Credit Agreement ◽  
Legal Consequences ◽  
Insurance Agreement

Credit agreements are usually accompanied by a collateral agreement and an insurance agreement. This insurance agreement is a means of transferring risk for the bank, especially life insurance in the event of a debtor's death, besides credit can also fall to the heirs if the debtor dies before paying off the remaining credit. This study aims to analyze the legal consequences of the Bank's Credit Agreement in the event that the Debtor dies and to find out the responsibility of the Insurance Party for the Bank's Credit Agreement in the event the Debtor dies. This study uses a normative research method with a statutory approach and a conceptual approach. The results show that the legal consequence of the credit agreement in the event that the debtor dies, there are two possibilities, namely that the credit goes to the heirs as regulated in article 833 of the Civil Code (Burgerlijk Wetboek) or the guarantee is executed by the bank, and the second possibility is that the credit is written off due to a life insurance clause or a life insurance agreement with a banker's clause, which means that the insurance company must be responsible for paying off the remaining debts of the debtor who died according to the terms and conditions of the policy, otherwise the interested party can file a summons to sue the insurance company. From this, the conclusion is that the parties must fully understand the contents of the credit agreement made, so that later if this risk occurs, there will be clarity on the payment of the debtor's remaining debt.

scholarly journals Aspek Hukum Pidana Penyiaran Film Tanpa Sensor oleh Netflix Sebagai Penyedia Layanan Subscription Video On Demand

2021 ◽  
Vol 4 (6) ◽  
pp. 2203
Author(s):  
Aushofi Zuhrotul Ulya
Keyword(s):  
Video On Demand ◽  
Legal Liability ◽  
The Internet ◽  
Legal Research ◽  
Conceptual Approach ◽  
Broadcast Media ◽  
Sensor Film ◽  
On Demand ◽  
Demand Service ◽  
Laws And Regulations

AbstractThe new broadcast media is broadcast digitization in the form of a platform accessed via the internet network. Netflix as a provider of the Subscription Video on Demand service broadcasts uncensored films which result in the films being against the culture and laws and regulations in Indonesia because they contain pornography to violence even though there is an obligation to be censored by a film before the film will be shown. This research is a legal research that analyzes the uncensored film broadcasting activities carried out by Netflix according to the laws and regulations in Indonesia and Netflix's legal liability for uncensored film broadcasting by using a statutory approach and a conceptual approach. From this research it was found that Netflix broadcasts uncensored films in Indonesia in violation of the statutory provisions concerning Broadcasting, Film, Pornography, and ITE. However, Netflix does not automatically account for all provisions of the laws and regulations because the locus of broadcasting activities carried out by Netflix cannot be reached by all the provisions of the laws and regulations.Keywords: Film Broadcasting; Netflix; Film Censorship; Internet.AbstrakMedia penyiaran baru merupakan digitalisasi penyiaran dalam bentuk platform yang diakses melalui jaringan internet. Netflix sebagai penyedia layanan Subscription Video on Demand menyiarkan film tanpa sensor yang mengakibatkan filmnya bertentangan dengan budaya dan peraturan perundang-undangan di Indonesia karena bermuatan pornografi hingga kekerasan padahal terdapat kewajiban untuk dilakukan sensor film dikeluarkan oleh lembaga sensor film sebelum film akan dipertunjukkan. Penelitian ini merupakan penelitian hukum yang menganalisis kegiatan penyiaran film tanpa sensor yang dilakukan oleh Netflix menurut peraturan perundang-undangan di Indonesia dan pertanggungjawaban hukum Netflix terhadap penyiaran film tanpa sensor dengan mengggunakan pendekatan undang-undang dan pendekatan konseptual. Dari penelitian ini ditemukan bahwa Netflix melakukan penyiaran film tanpa sensor di Indonesia melanggar ketentuan peraturan perundang-undangan tentang Penyiaran, Perfilman, Pornografi, dan ITE. Namun, tidak serta merta semua ketentuan peraturan perundang-undangan yang dilanggar dapat dipertanggungjawabkan pada Netflix karena locus kegiatan penyiaran yang dilakukan oleh Netflix tidak dapat dijangkau semua ketentuan peraturan perundang-undangan. Kata Kunci: Penyiaran Film; Netflix; Sensor Film; Internet.

scholarly journals NOTARY RESPONSIBILITY IN CHECKING HALAL CAUSA REQUIREMENTS ON OBJECTS PROMISED

2020 ◽  
Vol 5 (1) ◽  
pp. 24-32
Author(s):  
Dyah Ochtorina Susanti
Keyword(s):  
Legal Liability ◽  
Comparative Approach ◽  
Legal Research ◽  
Conceptual Approach ◽  
The Government

This research is motivated by there is a case of cancellation (null and void) of an authentic deed made by a notary because it does not meet the halal causa requirements. This study aims to analyze and find the form of liability of the Notary in halal causa requirements on the promised object. The results of the study using the normative legal research with the statute approach, conceptual approach, and comparative approach. The results of this study showed that the form of legal liability of the Notary in examining halal causa requirements on the agreed object, namely using the type of liability based on fault, because if halal causa requirements are not fulfilled in the authentic deed which results in the deed being null and void, then it is mistakes of Notaries as officials who are authorized to make and be responsible. At the end of this study, the researcher also provided advice to the government to updated Law Number 2 of 2014 concerning Amendments to Law Number 30 of 2004 concerning Notary Position by adding clauses related to the Notary's obligation to check the legal terms of the agreement; as well as advice to the Notary to be more careful, thorough, careful, not taking sides in checking halal causa requirements in the object of the agreement.

scholarly journals Kedudukan Dana Asuransi Jiwa dalam Relevansinya dengan Pembagian Harta Warisan

2019 ◽  
Vol 4 (1) ◽  
pp. 17
Author(s):  
Aji Surya Pratama ◽  
Abdul Halim Barkatullah ◽  
Rahmida Erliyani
Keyword(s):  
Supreme Court ◽  
Life Insurance ◽  
Contract Law ◽  
Property Law ◽  
Insurance Policy ◽  
Legal Research ◽  
Inheritance Law ◽  
The Supreme Court ◽  
The Right ◽  
Insurance Agreement

The aims of this research are to study and analyze the heirs whose names are not mentioned as beneficaries in life insurance policy who have been left by the deceased who can be categorized as heirs. Method of this research is normative legal research, and the type of the research vague norm, namely, there is difference or insyncronization of the Judges of the Supreme Court in making verdicts concerning disputes of fund claims of life insurance among the heirs.The results of the research shows that insurance agreement constitutes the result of combination between property law especially testametary inheritance law and contract law, thus, life insurance agreement can be called as testament because inheritance is one of the way to get right of ownership of a property, in this matter sum insured. Nomination of the heirs as beneficiaries of the fund of life insurance has a characteristic of administrative because the heirs are actually the heirs stipulated in life insurance policy. From the aspect of the inheritance property, the name stated as beneficiaries in life insurance policy can only receive maximum 1/3 (one third) of the inheritance property left by the deceased. From the aspect of their position, the heirs in life insurance policy are merely as creditors (not substituting the right and obligation of the pewaris). The legitimacy heirs are entitled to claim the right to absolute portion protected by law (legitime portie) upon the sum insured which is contrary to their legitame portion. 

scholarly journals Penyelesaian Sengketa Kontrak Modal Ventura Dengan Perusahan Pasangan Usaha (PPU)

Wajah Hukum ◽  
2020 ◽  
Vol 4 (2) ◽  
pp. 311
Author(s):  
Indrajaya Indrajaya
Keyword(s):  
Venture Capital ◽  
Financial Services ◽  
Research Method ◽  
Business Partner ◽  
Legal Research ◽  
Conceptual Approach ◽  
Services Sector ◽  
Financial Services Sector ◽  
The Government ◽  
Settlement Of Disputes

In running their business, what is often the main obstacle for business actors in developing their business is usually related to the provision of capital. In order to overcome this, the Government issued policies in the economic sector, one of which was the issuance of policies regarding Financing Institutions as regulated in Presidential Regulation Number 9 of 2009. Followed up by the Regulation of the Minister of Finance on Venture Capital Companies No. 18 of 2012. As one of the businesses in the financial services sector, its approach is not only in business but also needs to be accompanied by a legal approach (legal approch) so that its existence can be recognized in business traffic. Even though the agreement has been bound in a contract, it is still common for business partner companies to default, and even lead to disputes in court. The purpose of this study is to analyze the settlement of disputes due to default by PPU on the contents of the financing contract between the Venture Capital Company and the PPU. The research method is normative legal research, using primary legal materials, secondary legal materials and tertiary legal materials. The approach is carried out with a statutory approach (statute approach) and a conceptual approach (conceptual approach). From the results of the research it is known that the settlement of disputes due to default by PPU on the contents of the financing contract between the Venture Capital Company and PPU, the settlement of the dispute is carried out by prioritizing non-litigation mechanisms, but if no agreement is reached, the Litigation channel is used.

scholarly journals Perlindungan Hukum Bagi Investor Pemegang Unit Penyertaan Reksa Dana yang Memperjanjikan Fix Return

2021 ◽  
Vol 4 (4) ◽  
pp. 1285
Author(s):  
Agung Jaya Kusuma ◽  
Mas Rahmah
Keyword(s):  
Mutual Funds ◽  
Mutual Fund ◽  
Financial Services ◽  
Fixed Income ◽  
Criminal Sanction ◽  
Legal Research ◽  
Conceptual Approach ◽  
Fund Managers ◽  
Product Sales ◽  
Fund Investment

AbstractWith the increasing number of people who develop mutual fund investment products, competition between Investment Managers as mutual fund managers is increasing. As a result, several investment managers commit fraud in the marketing of mutual fund product sales, one of which is offering Fix-Return Mutual Fund products. To analysis the problem, this research will review the validity of the mutual fund marketing which is offering a Fix Return income according to the Indonesian regulations, and the Liability of Investment Managers who sale the fixed-income mutual funds by promising a Fix Return. The type of this research is normative legal research with the statutory and conceptual approach. The results show that although the marketing of mutual fund products with Fix Return is formally regulated in the provisions of article 37 letter (d), Financial Services Authority Regulation Number:39/POJK.04/2014. However, investment managers who sale fix return mutual fund products may be punished by civil, administrative and criminal sanction because of their faud and misconduct. Keywords: Protection; Mutual Fund Participation Units; Fix Return.AbstrakDengan semakin maraknya masyarakat yang berinvestasi pada produk investasi reksa dana, membuat persaingan antar Manajer Investasi sebagai pihak pengelola reksa dana semakin meningkat. Akibatnya terdapat beberapa manajer investasi yang melakukan kecurangan dalam pemasaran penjualan produk reksa dananya, salah satunya yaitu dengan menjanjikan suatu imbal hasil pasti pada produk reksa dananya, atau juga dikenal dengan istilah Fix Return. Untuk menganalisis masalah tersebut, penelitian ini akan mengkaji validitas pemasaran reksa dana yang menawarkan pendapatan Fix Return menurut peraturan perundang-undangan di Indonesia dan Tanggung gugat Manajer Investasi yang memasarkan reksa dana jenis reksa dana pendapatan tetap dengan memperjanjikan Fix Return. Tipe penelitian yang digunakan dalam penelitian ini adalah penelitian hukum normatif dengan pendekatan perundang-undangan dan pendekatan konseptual. Hasil dari penelitian ini menunjukkan bahwa meskipun pemasaran produk reksa dana dengan Fix Return diatur dalam ketentuan pasal 37 huruf (d), Peraturan Otoritas Jasa Keuangan Nomor:39/POJK.04/2014, namun apabila Manajer Investasi memasarkan produk reksa dana dengan Fix Return, Manajer investasi dapat dikenakan sanksi perdata, administratif dan pidana apabila terbukti memasarkan produknya dengan Fix Return. Kata Kunci: Perlindungan Hukum; Unit Penyertaan Reksa Dana; Fix Return.

scholarly journals Pertanggungjawaban Bank Terhadap Nasabah yang Menjadi Korban Kejahatan yang Dilakukan Oleh Oknum Internal Bank

2021 ◽  
Vol 2 (3) ◽  
pp. 505-509
Author(s):  
I Putu Wiradharma Putra Yudha ◽  
Johannes Ibrahim Kosasih ◽  
Desak Gde Dwi Arini
Keyword(s):  
Material Processing ◽  
Financial Institutions ◽  
Banking Sector ◽  
Secondary Data ◽  
Legal Liability ◽  
Processing Method ◽  
Legal Research ◽  
Conceptual Approach ◽  
The People ◽  
Bank Employees

Banks are the only financial institutions that are trusted by the people who play a role in the economy, so that in their activities there are elements of stakeholders who commit acts against the law in the banking world. This study aims to analyze crimes committed by internal bank employees and reveal legal liability to the bank if there are crimes committed by internal elements or bank employees. This study uses normative legal research with a statutory approach and a conceptual approach. The data used are primary and secondary data obtained through recording and documentation techniques, then the data processed and analyzed will be processed and analyzed using a systematic legal material processing method. The results of the study stated that in banking there are two types of violations, namely banking crimes and crimes in banking. In relation to crimes in the banking sector, Law no. 7/1992 as amended by Law No.10/1998 on banking. Accountability cannot be borne by the bank as a corporation, but this burden is imposed or carried out by way of the debtor to individuals who commit crimes in the banking sector.

scholarly journals Legal Consequences of Dualism Regulations on Micro Waqf Bank as a Sharia Microfinance Institutions in Indonesia

2020 ◽  
Vol 16 (1) ◽  
pp. 1-14
Author(s):  
Paramita Prananingtyas ◽  
Hari Sutra Disemadi
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Research Method ◽  
Legal Issues ◽  
Microfinance Institutions ◽  
Legal Research ◽  
Conceptual Approach ◽  
Legal Entity ◽  
Microfinance Institution ◽  
Legal Consequences

The presence of types of financial institutions in Indonesia makes it easy for people to choose which financial services they need. Micro Waqf Bank is one of the Microfinance Institutions that applies sharia principles that are currently growing and developing. However, there are legal issues related to arrangements for organizing a Micro Waqf Bank with a cooperative legal entity, namely, there are two overlapping regulations, namely the Microfinance Institution legislation, and Cooperative regulations. The purpose of this study is necessary to find out whether the legal consequences arising in the process of establishment, implementation, or if there are problems encountered by Mikro Waqf Banks as a Sharia Microfinance Institution incorporated as a cooperative. This study uses a normative legal research method with a statutory approach and conceptual approach. This study shows that the dualism of Micro Waqf Bank arrangements gives rise to contradictions in the arrangements for the establishment, guidance, and supervision. The existence of this dualism of regulation also gives rise to legal consequences in the establishment of a Micro Waqf Bank incorporated as a cooperative. The legal consequences are related to the broader aspects of business activities based on MFI regulations compared to cooperative regulations. Legal consequences related to capital aspects that require Micro Waqf Banks have a certain amount of capital by MFI regulations. Then from the aspect of coaching and supervision in which there are an examination and evaluation, there is also a dualism which in the regulation of the function of the cooperative is carried out by the Ministry of Cooperatives but the existence of the MFI regulation of the fostering and supervision function is under the authority of the Financial Services Authority.

scholarly journals KLAUSULA ASURANSI KEMATIAN PADA AKAD KREDIT KPR SUBSIDI DALAM KITAB UNDANG-UNDANG HUKUM DAGANG

2021 ◽  
Vol 5 (1) ◽  
pp. 173
Author(s):  
Yandri Radhi Anadi
Keyword(s):  
Data Collection ◽  
Life Insurance ◽  
Research Method ◽  
Home Ownership ◽  
Primary Sources ◽  
Comparative Approach ◽  
Legal Research ◽  
Conceptual Approach ◽  
Mortgage Credit ◽  
Credit Agreement

 The soul of a person can be insured for the needs of the person concerned, both for the duration of his life and for the time specified in the agreement. everyone who lives faces the risk of his own life, because he does not know when he will die. The risk suffered can be in the form of damage, loss or loss, resulting in efforts to avoid and transfer risks to the community through the subsidized KPR program. For banks, the death of a debtor is one of the risks that arise in providing credit. In writing, there are problems being studied, namely, how is the implementation of death insurance in the subsidized MORTGAGE credit agreement and what is the mechanism of death insurance claims for subsidized mortgages. In this research, the writer uses a legal research method which is normative juridical. This study uses a statutory approach, conceptual approach, and a comparative approach. The source of legal materials in this research uses primary sources of legal materials and sources of secondary legal materials. For data collection techniques used are literature review.Keywords: Life Insurance, Subsidized Home Ownership LoansJiwa sesorang dapat diasuransikan untuk keperluan orang yang berkepentingan, baik untuk selama hidupnya maupun untuk waktu yang ditentukan dalam perjanjian. setiap orang yang hidup menghadapi resiko atas hidupnya sendiri, sebab ia tidak mengetahui kapan ia akan meninggal dunia. Resiko yang diderita dapat berupa kerusakan kerugian atau kehilangan, sehingga timbul upaya untuk menghindari dan mengalihkan resiko kepada masyarakat melalui program KPR subsidi. Bagi bank dalam meninggalnya debitur adalah salah satu resiko yang timbul dalam pemberian kredit. Dalam penulisan terdapat permasalah yang dikaji yaitu, bagaimana implementasi asuransi kematian dalam akad kredit KPR subsidi dan seperti apa mekanisme klaim asuransi kematian pasa KPR subsidi. Dalam penelitian ini penulis menggunakan metode penelitian hukum yang bersifat yuridis normatif. Penelitian ini menggunakan pendekatan perundang-undangan, pendekatan konseptual, dan pendekatan perbandingan. Sumber bahan hukum dalam peneitian ini menggunakan sumber bahan hukum primer dan sumber bahan hukum sekunder. Untuk Teknik pengumpulan data yang digunkan adalah telaah Pustaka. Implementasi pemberian asuransi kematian Kredit Kepemilikan Rumah (KPR) subsidi, para pihak antara penanggung dan tertanggung harus memperhatikan hal-hal dasar yang dimana sesuai dalam perjanjian serta Mekanisme prosedur klaim asuransi kematian KPR subsidi sama dengan prosedur klaim asuransi jiwa pada umumnya.Kata Kunci: Asuransi Jiwa, Kredit Kepemilikan Rumah Subsidi

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