Pelaksanaan hak nasabah asuransi jiwa kresna dalam mengajukan penundaan kewajiban pembayaran utang kepada perusahaan asuransi (studi putusan nomor 389/Pdt.Sus PKPU/2020/P.Niaga Jkt.Pst)

Liu, Tristan Kenneth (2022) Pelaksanaan hak nasabah asuransi jiwa kresna dalam mengajukan penundaan kewajiban pembayaran utang kepada perusahaan asuransi (studi putusan nomor 389/Pdt.Sus PKPU/2020/P.Niaga Jkt.Pst). Bachelor thesis, Universitas Pelita Harapan.

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Abstract

This study aims to examine the decision on the application for suspension of debt payment obligations in case 389/Pdt.Sus-Pkpu/2020/P.Niaga Jkt.Pst and examines the implementation of insurance customers' rights in submitting an application for suspension of debt payment against insurance companies. This study uses normative legal research methods by examining court ruling as primary material in conducting research along with laws and regulations, books, documents, journals and scientific works as secondary material and reliable news as tertiary material. The analysis technique used is a qualitative method where data analysis is carried out through a literature study. The results of the research and research analysis in general are that the rights of petitioning application for Suspension of Debt Payment to an Insurance Company is an absolute authority given to the OJK based on the provisions of Article 223 of the UUK, the court ruling in case No. 389/Pdt.Sus-PKPU/2020/P. Niaga Jkt.Pst is a wrong ruling due to error in the application and interpretation of the law where the business court according to the Supreme Court in the Supreme Court Decision Number 647/Pdt.Sus-Pailit/2021 which annuls the Decision No.389/Pdt.Sus- PKPU/2020/PN NIAGA JKT.Pst stated that the ruling is based on a fundamental error in application of a law. Every creditor has the right and legal standing to file a claim, but specifically for submitting a request for a Suspension of Debt Payment against an insurance company, the creditor's lost their legal standing because anyone except the OJK is not entitled to petition Suspension of Debt Payment to an insurance company in accordance with with the provisions of Article 223 UUK. The reason for the prohibition of filing Suspension of Debt Payment application against insurance companies is based on protecting the greater public interest because insurance companies have a large impact on the economy of a country./ Penelitian ini bertujuan untuk mengkaji Putusan Permohonan Penundaan Kewajiban Pembayaran Utang (PKPU) pada perkara No. No.389/Pdt.Sus-Pkpu/2020/P.Niaga Jkt.Pst dan mengkaji pelaksanaan hak nasabah asuransi dalam mengajukan Permohonan Penundaan Kewajiban Pembayaran Utang (PKPU) terhadap perusahaan asuransi. Penelitian ini menggunakan metode penelitian hukum normatif dengan meneliti putusan pengadilan sebagai bahan primer dalam melakukan penelitian beserta peraturan perundang-undangan, buku, dokumen, jurnal dan karya ilmiah sebagai bahan sekunder dan berita terpercaya sebagai bahan tersier. Teknik Analisa yang digunakan adalah dengan metode kualitatif dimana analisa data dilakukan melalui studi keputstakaan. Hasil penelitian dan analisis penelitian secara garis besar adalah Wewenang pengajuan permohonan Penundaan Kewajiban Pembayaran Utang (PKPU) terhadap Perusahaan Asuransi merupakan kewenangan mutlak yang diberikan kepada OJK berdasarkan ketentuan Pasal 223 UUK, sehingga putusan majelis hakim pada perkara No.389/Pdt.Sus-PKPU/2020/P. Niaga Jkt.Pst merupakan putusan yang tidak cermat karena terdapat kekeliruan penerapan dan penafsiran hukum dimana majelis hakim perkara a quo menurut Mahkamah Agung dalam Putusan Mahkamah Agung Nomor 647/Pdt.Sus-Pailit/2021 yang membatalkan Putusan No.389/Pdt.Sus-PKPU/2020/PN NIAGA JKT.Pst menyatakan majelis hakim perkara a quo melakukan kesalahan mendasar dalam pertimbangan hukum. Setiap kreditor memiliki hak dan kedudukan hukum untuk mengajukan tuntutan hukum namun khusus pengajuan permohonan Penundaan Kewajiban Pembayaran Utang (PKPU) terhadap perusahaan Asuransi maka kedudukan hukum kreditor menjad hilang karena siapapun kecuali OJK tidak berhak mengajukan permohonan Penundaan Kewajiban Pembayaran Utang (PKPU) kepada perusahaan asuransi sesuai dengan ketentuan Pasal 223 UUK. Alasan larangan pengajuan permohonan PKPU terhadap perusahaan asuransi didasarkan untuk melindungi kepentingan umum yang lebih besar karena perusahaan asuransi berdampak besar bagi perekonomian suatu negara.

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