¹Alheri,²Imam Haryanto

¹,²Pembangunan Nasional Veteran Jakarta University

DOI : https://doi.org/10.47191/ijsshr/v4-i8-03

Google Scholar Download Pdf
ABSTRACT

This paper aims to investigate the dualism of the regulation of credit insurance and suretyship. The scope of research is General Insurance Company and Guarantee Institution. Insurance business by general insurance companies in Indonesia is not only limited to business lines as regulated in Law Number 40 of 2014 concerning Insurance, but also carries out Credit Insurance and Suretyship businesses. On the other hand, there are Guarantee Institutions that carry out similar activities based on Law Number 1 of 2016 concerning Guarantees. The results of the study found that the dualism of the administration was detrimental to the Guarantor Institution. The method used is normative juridical with the data obtained in the form of regulations related to general insurance, guarantee institutions and financial services authorities. The conclusion is that the Financial Services Authority as the Non-Banking Business Regulator must be able to guarantee the implementation of Credit Insurance and Suretyship Businesses by General Insurance Companies based on Financial Services Authority Regulation Number 69 of 2016 concerning Business Operations of Insurance Companies, Sharia Insurance Companies, Reinsurance Companies, and Sharia Reinsurance Companies .

KEYWORDS:

general insurance, guarantee institution, credit insurance, suretyship.

REFERENCES

1) Republic Of Indonesia, Insurance Law, Law Number 40 Of 2014 State Gazette Of The Republic Of Indonesia Of 2014 Number 337.

2) Republic Of Indonesia, Law Of Guarantee, Law Number 1 Of 2016, State Gazette Of The Republic Of Indonesia Of 2016 Number 9.

3) Republic Of Indonesia, Regulation Of The Minister Of Finance Concerning Implementation Of Credit Insurance And Suretyship Business Lines, Regulation Of The Minister Of Finance Number 124/Pmk.010/2008.

4) Republic Of Indonesia, Regulation Of The Financial Services Authority Concerning Operation Of Insurance Companies, Sharia Insurance Companies, Reinsurance Companies, And Sharia Insurance Companies

5) Financial Services Authority Regulation Number 69/Pojk.05/2016, State Gazette Of The Republic Of Indonesia Of 2016 Number 302.

6) The Republic Of Indonesia, Decree Of The Minister Of Finance Concerning Implementation Of Insurance Companies And Reinsurance Companies, Decree Of The Minister Of Finance Number 424/Kmk.06/2003 Concerning Business Operation Of Insurance Companies And Reinsurance Companies.

7) Prodjodikoro,Wirjono. 2019. Hukum Asuransi Di Indonesia, Jakarta: Intermesa

8) Umam, Khotibul, 2011, Memahami Dan Memilik Produk Asuransi, Pustaka Yustisia, Yogyakarta

9) Zaeni, Zulfi Diane, 2014, Aspek Hukum Dan Fungsi Lembaga Penjamin Simpanan, Keni Media, Jakarta.

10) Ade Hari Siswanto, 2016, Karakteristik Perjanjian Surety Bond Dalam Lingkup Hukum Asuransi, Lex Jurnalica Volume 13 Nomor 3, Desember 2016

11) Agus Wasita, 2020, Perlindungan Hukum Terhadap Pemegang Polis Asuransi Jiwa, Jurnal Becoss (Business Economic, Communication, And Social Sciences), Vol.2 No.1 January 2020.

12) Budi Kagramanto, 2007, Eksistensi Lembaga Penjamin Simpanan Dalam Sistem Perbankan Nasional, Jurnal Mimbar Hukum, Volume 19, Nomor 3, Oktober 2007.

13) Sunarmi, Pemegang Polis Asuransi Dan Kedudukan Hukumnya, Jurnal Ilmu Hukum, Volume 3 No. 1

14) Laporan Tahunan Otoritas Jasa Keuangan, Desember 2019

VOlUME 04 ISSUE 08 August 2021