Perlindungan hukum bagi pemegang polis yang berpotensi dirugikan akibat pencabutan izin perusahaan asuransi karena melakukan tindak pidana pencucian uang

Williamson, Edgardo (2024) Perlindungan hukum bagi pemegang polis yang berpotensi dirugikan akibat pencabutan izin perusahaan asuransi karena melakukan tindak pidana pencucian uang. Bachelor thesis, Universitas Pelita Harapan.

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Abstract

Tujuan penelitian ini adalah untuk mengetahui bagaimana perlindungan dan pemenuhan hak konsumen bagi konsumen asuransi yang berpotensi dirugikan akibat pencabutan izin perusahaan asuransi karena melakukan tindak pidana pencucian uang menurut peraturan perundang-undangan yang berlaku di Indonesia. Penelitian ini adalah penelitian yuridis normatif, yang dilakukan dengan cara melakukan penelitian kepustakaan. Data yang digunakan adalah data sekunder yang diperoleh dari studi kepustakaan dan memanfaatkan teknologi internet. Data sekunder berupa bahan hukum primer, yakni peraturan perundang-undangan yang berkaitan mulai dari Undang-Undang Dasar, Undang-Undang sampai dengan Peraturan OJK sesuai dengan hierarki peraturan perundang-undangan sebagaimana diatur dalam Undang-Undang Nomor 12 Tahun 2011, bahan hukum sekunder berupa teori hukum, pendapat para ahli, hasil penelitian, dan bahan hukum tersier berupa Kamus. Data yang diperoleh dianalisis secara kualitatif dengan pendekatan perundang-undangan. Hasil penelitian menunjukkan bahwa peraturan perundang-undangan di Indonesia belum sepenuhnya dapat melindungi pemegang polis yang berpotensi dirugikan akibat pencabutan izin perusahaan asuransi karena melakukan Tindak Pidana Pencucian Uang. Hal ini disebabkan karena hasil penelitian menunjukkan bahwa tidak ada peraturan yang secara spesifik mengatur bagaimana perusahaan asuransi yang dicabut izin perusahaannya karena melakukan tindak pidana pencucian uang bertanggungjawab terhadap kerugian pemegang polis. Setelah merangkum beberapa dasar hukum dari beberapa peraturan perundang-undangan yang berbedabeda serta dengan pengimplementasian doktrin hukum mengenai Strict liability dan Vicarious liability perusahaan asuransi tidak dapat lepas dari tanggungjawabnya terhadap kerugian pemegang polis. /The purpose of this study is to determine how the protection and fulfillment of consumer rights for insurance consumers who are potentially harmed due to the revocation of insurance company licenses for committing money laundering according to the laws and regulations in force in Indonesia. This study is a normative legal study, which is conducted by conducting library research. The data used are secondary data obtained from library studies and utilizing internet technology. Secondary data in the form of primary legal materials, namely related laws and regulations ranging from the Constitution, Laws to OJK Regulations in accordance with the hierarchy of laws and regulations as regulated in The Act Number 12 Year 2011, secondary legal materials in the form of legal theories, expert opinions, research results, and tertiary legal materials in the form of Dictionaries. The data obtained were analyzed qualitatively with a legislative approach. The results of the study indicate that the laws and regulations in Indonesia have not been able to fully protect policyholders who are potentially harmed due to the revocation of insurance company licenses for committing Money Laundering. This is because the results of the study indicate that there are no regulations that specifically regulate how insurance companies whose licenses are revoked for committing money laundering are responsible for policyholder losses. After summarizing several legal bases from several different laws and regulations and with the implementation of the legal doctrine regarding Strict liability and Vicarious liability, insurance companies cannot escape their responsibility for policyholder losses.
Item Type: Thesis (Bachelor)
Creators:
Creators
NIM
Email
ORCID
Williamson, Edgardo
NIM03051210043
edgardowilliamson88@gmail.com
UNSPECIFIED
Contributors:
Contribution
Contributors
NIDN/NIDK
Email
Thesis advisor
Sihombing, Andy Tonggo Michael
NIDN0128118303
andy.sihombing@lecturer.uph.edu
Uncontrolled Keywords: Perlindungan hukum; pemegang polis; tindak pidana pencucian uang.
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Medan > Faculty of Law > 74201 - Department of Law
Current > Faculty/School - UPH Medan > Faculty of Law > 74201 - Department of Law
Depositing User: Edgardo Williamson
Date Deposited: 21 Apr 2025 03:18
Last Modified: 21 Apr 2025 03:18
URI: http://repository.uph.edu/id/eprint/68133

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