Analisis yuridis tentang pengaturan pemilihan asuransi ujiwa bagi nasabah yang mengajukan kredit pemilikan rumah (kpr) di PT. Bank Rakyat Indonesia tbk

Jannah, Nila Tiara (2017) Analisis yuridis tentang pengaturan pemilihan asuransi ujiwa bagi nasabah yang mengajukan kredit pemilikan rumah (kpr) di PT. Bank Rakyat Indonesia tbk. Masters thesis, Universitas Pelita Harapan.

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Abstract

Asuransi jiwa dalam perjanjian Kredit Pemilikan Rumah (KPR) dibutuhkan untuk menjadi penanggung debitur (nasabah) jika terjadi risiko kredit (evenement). Pasal 24 ayat (1) Undang-Undang No.40 tahun 2014 tentang Perasuransian dan Surat Edaran Bank Indonesia No. 12/35/DPNP mengatur mengenai kebebasan bagi tertanggung untuk secara bebas tanpa tekanan dari pihak manapun untuk memilih perusahaan asuransi sebagai penanggungnya. Namun, dalam produk Kredit Pemilikan Rumah yang diselenggarakan oleh PT Bank Rakyat Indonesia Tbk, terdapat kewajiban bagi debitur untuk menutup perjanjian asuransi dengan perusahaan asuransi yang ditetapkan oleh bank bersangkutan. Untuk mengetahui lebih lanjut mengenai mekanisme pemilihan asuransi jiwa untuk nasabah yang mengajukan Kredit Pemilikan Rumah serta kepastian hukum terhadap pemilihan asuransi jiwa bagi nasabah, penulis ini menggunakan pendekatan yuridis normatif. Di akhir penelitian, Penulis berkesimpulan bahwa bank diwajibkan untuk menawarkan minimal tiga perusahaan asuransi kepada debitur untuk dipilih, dan memiliki hak untuk mereferensikan sejumlah perusahaan asuransi kepada debitur berdasarkan kepentingan atas objek pertanggungan. Bank tidak diperbolehkan menunjuk satu perusahaan asuransi saja karena praktik tersebut merupakan pelanggaran terhadap prinsip kebebasan memilih penanggung yang diatur dalam Pasal 24 ayat (1) UU No. 40 Tahun 2014 / Life insurance in Mortgages are required to be an insurer debtors (customers) if there is a credit risk (hanging). Article 24 paragraph (1) of law No. 40 year 2014 about insurance and Bank Indonesia circular letter No. 12/35/DPNP governing freedom for the insured to freely without pressure from any party to vote for insurance companies as the insurer. However, in Mortgages held by PT Bank Rakyat Indonesia Tbk, there is an obligation for the debtor to cover insurance with an insurance company that has chosen by the bank itself. To find out more about life insurance election mechanism for the customer who filed Mortgages as well as legal certainty against the selection of life insurance for customers, author uses the normative juridical approach. At the end of the study, the author concludes that the banks are required to offer at least three insurance companies to the debtor to choose from, and have the right to refer a number of insurance companies to the debtor based on the interests of the top the object of protection. Banks are not allowed to appoint a single insurance company just because the practice is a violation of the principle of freedom to choose the insurer provided for in Article 24 paragraph (1) of law No. 40 year 2014

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Jannah, Nila TiaraNIM00000026601UNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSihombing, JonkerNIDN8838820016UNSPECIFIED
Additional Information: T 59-16 JAN a
Uncontrolled Keywords: Mortgages ; Bancassurance ; Life Insurance Election ; KPR ; Bancassurance ; Pemilihan Asuransi Jiwa
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Depositing User: Users 18 not found.
Date Deposited: 22 Apr 2019 00:03
Last Modified: 09 Nov 2021 08:08
URI: http://repository.uph.edu/id/eprint/3023

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