Analisis Peranan Otoritas Jasa Keuangan (OJK) dalam Perlindungan Nasabah Akibat Kepailitan Perusahaan Asuransi

Authors

  • Indah Kurniati Siregar Universitas Islam Negeri Sumatera Utara
  • Kusmilawaty Kusmilawaty Universitas Islam Negeri Sumatera Utara
  • Nur Ahmadi Bi Rahmani Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.37329/ganaya.v8i3.4361

Keywords:

Customer Protection, Insurance Company Bankruptcy, Insurance Claim Rejection, Legal Protection

Abstract

The Financial Services Authority (OJK) is a key government body in Indonesia that oversees the insurance sector and all other financial service providers by creating a unified regulatory and supervisory framework. The OJK has the authority to initiate insolvency actions against insurance businesses as part of its insurance sector regulation. Insuring policyholders' interests is the primary goal of these procedures. The purpose of this research is to examine how the OJK protects policyholders' rights when insurance firms declare bankruptcy. In order to provide a thorough analysis and in-depth understanding of the topic, the study employs a qualitative, descriptive-analytical methodology. The study employs secondary data, which encompasses both primary and secondary legal sources, in line with the normative legal research technique. The findings indicate that the OJK's efforts to provide legal protection for policyholders, particularly in cases of insurance claim rejections, are guided by key principles such as transparency, fair treatment, justice, confidentiality, data security, and effective complaint handling. The OJK's role in legal protection encompasses both preventive and repressive measures. Preventive actions include regulation, supervision, guidance, socialization, and complaint services, while repressive measures involve litigation, non-litigation resolution, and the imposition of administrative sanctions.

References

Afrita, I., & Arifalina, W. (2021). Tanggung Jawab Hukum Perusahaan Asuransi Jiwa Terhadap Tertanggung Dalam Pembayaran Klaim Asuransi. Jurnal Hukum Respublica, 20(2), 1-12.

Asikin, Z. (2002). Hukum Kepailitan dan Penundaan Pembayaran di Indonesia. Depok: PT Raja Grafindo Persada.

Badruzaman, D. (2019). Perlindungan Hukum Tertanggung Dalam Pembayaran Klaim Asuransi Jiwa. Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah, 3(1), 91-114.

Bayani Nurul, K., Saptono, H., & Irawati. (2023). Peran Otoritas Jasa Keuangan Dalam Memberikan Perlindungan Hukum Kepada Pemegang Polis Asuransi. Diponegoro Law Journal, 12(2).

Buchari, I. (2024). Menjaga Hak Pemegang Polis: Perlindungan Hukum Terhadap Pailitnya Perusahaan Asuransi. Jurnal Litigasi Amsir, 11(2), 142-150.

Fadhila, T. I., & Nurbaiti, N. (2021). Analisis Ekonomi Islam dalam Kebijakan Fiskal (APBN 2021) di Indonesia. Jurnal Pendidikan Tambusai, 5(3), 8692-8702.

Gozali, S. D., & Usman, R. (2010). Hukum Perbankan. Jakarta: Sinar Grafika.

Gusdarnelis, D., Faniyah, I., & Putra, B. P. (2024). Peran Otoritas Jasa Keuangan Dalam Penyelesaian Sengketa Penolakan Klaim Asuransi Kerugian oleh Perusahaan Asuransi Terhadap Nasabahnya. Unes Journal of Swara Justisia, 7(4), 1321-1331.

Hasanah, I., Wulansari, N., Aini, N., Yolandari, R., & Ajurni, F. (2023). Peran Otoritas Jasa Keuangan Dalam Melindungi Pemegang Polis Asuransi Akibat Pailitnya Perusahaan Asuransi. Perkara: Jurnal Ilmu Hukum Dan Politik, 1(4), 278-288.

Navisa, F. D. (2020). Karakteristik Asas Kepentingan (Insurable Interest) Dalam Perjanjian Asuransi. Negara Dan Keadilan, 9(2), 188-204.

Palilati, R. M. (2017). Perlindungan Hukum Konsumen Perbankan Oleh Otoritas Jasa Keuangan. Jurnal IUS Kajian Hukum Dan Keadilan, 5(1), 49-67.

Prayogo H. I., & Syufaat, S. (2023). Perlindungan Hukum Pemegang Polis Asuransi Syariah Berdasarkan Undang-Undang Nomor 40 Tahun 2014 Tentang Perasuransian. Alhamra: Jurnal Studi Islam, 4(1), 57-72.

Ridho, M. (2020). Peran Otoritas Jasa Keuangan Dalam Melindungi Pemegang Polis Asuransi Akibat Pailitnya Perusahaan Asuransi (Studi Putusan Mahkamah Agung Nomor 408 K/Pdt.Sus-Pailit/2015)Abstract. Jurnal Hukum Kaidah: Media Komunikasi Dan Informasi Hukum Dan Masyarakat, 19(2), 292-328.

Roesli, M., Sarbini, S., & Nugroho, B. (2020). Kedudukan Perjanjian Baku Dalam Kaitannya Dengan Asas Kebebasan Berkontrak. DiH: Jurnal Ilmu Hukum, 9(2), 1-8.

Septiana, K. P., Fawdhisa, F. S., Fitriayani, A., & Nugrohoho, A. A. (2023). Perlindungan Hukum Pemegang Polis Asuransi Dalam Kasus Gagal Bayar Dan Kepailitan Pada Perusahaan Asuransi. Causa: CAUSA Jurnal Hukum Dan Kewarganegaraan, 1(4), 1-11.

Susilowati, E., Alfi, M., & Mahmudah, S. (2017). Kewenangan Otoritas Jasa Keuangan Dalam Perkara Kepailitan Perusahaan Asuransi. Diponegoro law journal, 6(1), 1-9.

Syamsuddin, M., & Putri, C. S. (2022). Proteksi Hukum Bagi Pemegang Polis Asuransi Terhadap Pailitnya Perusahaan Asuransi. SALAM: Jurnal Sosial Dan Budaya Syar-I, 9(2), 491-502.

Widyastuti, E., & Sholihah, A. (2022). Faktor Penentu Surplus Underwriting Dana Tabarru’ Asuransi Jiwa Syariah di Indonesia Periode 2015-2020. El-Jizya: Jurnal Ekonomi Islam, 10(1), 67-84.

Yustika, Y. S. R., & Suryono, A. (2024). Analisis Yuridis Tanggung Jawab Perusahaan Asuransi Terhadap Asuransi Jiwa Kredit (Studi Putusan Nomor 3079K/PDT/2019). TERANG: Jurnal Kajian Ilmu Sosial, Politik Dan Hukum, 1(1), 192-203.

Zuhdi, S., Nawawi, Z. M., & Nasution, A. I. L. (2023). Pengaruh Kualitas Produk Asuransi Syariah Mobilkoe Dan Kualitas Pelayanan Terhadap Loyalitas Nasabah: (Studi Kasus PT. Asuransi Bumi putera Muda Syariah Medan). Gemah Ripah: Jurnal Bisnis, 3(3), 37-54.

Downloads

Published

19-05-2025

How to Cite

Siregar, I. K., Kusmilawaty, K., & Bi Rahmani, N. A. . (2025). Analisis Peranan Otoritas Jasa Keuangan (OJK) dalam Perlindungan Nasabah Akibat Kepailitan Perusahaan Asuransi. Ganaya : Jurnal Ilmu Sosial Dan Humaniora, 8(3), 25–34. https://doi.org/10.37329/ganaya.v8i3.4361

Issue

Vol. 8 No. 3 (2025): Article in Press

Section

Articles

License

Copyright (c) 2025 Indah Kurniati Siregar, Kusmilawaty Kusmilawaty, Nur Ahmadi Bi Rahmani (Author)

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

An author who publishes in the Ganaya : Jurnal Ilmu Sosial dan Humaniora agrees to the following terms:

  • Author retains the copyright and grants the journal the right of first publication of the work simultaneously licensed under the Creative Commons Attribution-ShareAlike 4.0 License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal
  • Author is able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book) with the acknowledgement of its initial publication in this journal.
  • Author is  permitted and encouraged to post his/her  work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of the published work (See The Effect of Open Access).

Read more about the Creative Commons Attribution-ShareAlike 4.0 Licence here: https://creativecommons.org/licenses/by-sa/4.0/.