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 |