Settlement of Remaining Financing Due to Rejected Insurance Claims from the Perspective of POJK Number 69/POJK.05/2016 (Case Study at BPRS Puduarta Insani Medan)

Authors

  • Hotma Sari Siregar UIN Sumatera Utara, Indonesia (Corresponding Author)
  • Fatimah Zahara UIN Sumatera Utara, Indonesia

DOI:

https://doi.org/10.21111/aliktisab.v8i2.13021

Keywords:

Insurance, Settlement, BPRS Puduarta Insani Medan

Abstract

Insurance constitutes a risk transfer mechanism or a contractual agreement among multiple parties, wherein the insurer obligates itself to the insured by accepting a premium in exchange for compensation related to losses, damages, or anticipated profit losses. This research aims to identify the factors contributing to customer claim failures and to understand the resolution of issues faced by customers at BPRS Puduarta Insani Medan. The text subsequently details the resolution of the outstanding insurance claim payment financing that was denied at BPRS Puduarta Insani Medan, analyzed in accordance with POJK Number 69/POJK.05/2016. The author utilizes the empirical legal research method in this study, incorporating data collection techniques including direct interviews and observation within the company. This is subsequently presented as descriptive report. The customer's claim was unsuccessful due to their failure to comply with the pertinent legal provisions. BPRS Puduarta Insani Medan discovered that the customer had acted dishonestly by concealing their ailment from the bank when insuring themselves as a customer. The customer's claim failure at BPRS Puduarta Insani Medan was resolved as a consequence of data manipulation disguised as a health history letter. As a result, the bank and the heirs achieved an agreement that the payment would continue and be settled by the heirs, as it was not regulated in the agreement regarding the customer's demise. POJK Number 69/POJK.05/2016 has established a comprehensive framework for safeguarding the interests of financing companies and the heirs of customers when navigating delicate and intricate circumstances, such as the passing of a debtor. Heirs should carefully examine the financing agreement and the relevant insurance policy to confirm their obligations and rights in these circumstances.

References

Afrida, Y. (2016). Analisis pembiayaan Murabahah di Perbankan Syariah. Jurnal Ekonomi Dan Bisnis Islam (JEBI), 1(2), 157–166.

Aisya, Y. P. (2023). Analisis Fatwa DSN-MUI Nomor:04/DSN/MUI/IV/2000 Tentang Produk Pembiayaan Murabahah di BMT Surya Mandiri Jetis Ponorogo. IAIN Ponorogo.

Amriani, N. (2011). Mediasi Alternatif Penyelesaian Sengketa Perdata Di Pengadilan, 1st ed. Raja Grafindo Persada.

Ansyah, R. (2024). Penyelesaian Sengketa Asuransi Melalui Mediasi Di Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan (Laps Sjk). TAQNIN: Jurnal Syariah Dan Hukum, 5(02), 142–158. https://doi.org/10.30821/taqnin.v5i02.13442

Ardana, K. (2022). Faktor-faktor yang Mempengaruhi Perilaku Konsumen terhadap Keputusan Pembelian Produk Asuransi Jiwa Syariah (Studi Kasus PT. Asuransi Jiwa Syariah Bumiputera 1912 Cabang Medan). Universitas Islam Negeri Sumatera Utara Medan.

Aulia Sidabariba, A., Hendra, M., & Ginting, P. (2023). Perlindungan Hukum Terhadap Lembaga Perbankan Akibat Klaim Asuransi Jiwa Kredit Apabila Terdapat Penolakan Pembayaran Klaim. Jurnal Notarius, 2(2), 265–276.

Azzahra, A. W., & Sinilele, A. (2024). Perlindungan Konsumen Pengguna Asuransi Gagal Klaim Berdasarkan Perspektif Hukum Ekonomi Syariah. El-Iqtishady: Jurnal Hukum Ekonomi Syariah, 6(1), 38–48.

Bayinah, A. N., Mardian, S., Mulyati, S., & Maulidha, E. (2017). Akutansi Asuransi Syariah. Salemba Empat.

Dewi, A. (2008). Analisis Prosedur Pengajuan dan Pembayaran Klaim pada Perusahaan Asuransi. In Media Wisata (Vol. 3, Issue 2, pp. 33–47). https://doi.org/10.36276/mws.v3i2.48

Fina Rohmatika. (2024). Perlindungan Hukum Klaim Asuransi Pemegang Polis Asuransi. Jurnal Riset Ekonomi Dan Akuntansi, 2(1), 182–190. https://doi.org/10.54066/jrea-itb.v2i1.1310

Kusuma, D. G. A. D. (2022). Analisis Yuridis Penyebab Gagal Klaim oleh Nasabah di Perusahaan Asuransi Cigna (Studi Kasus Polis Nomor AU000000000760W). Jurnal Penelitian Serambi Hukum, 15(02), 89–95. https://doi.org/10.59582/sh.v15i02.578

Lestari, N. M. (2015). Sistem Pembiayaan Bank Syariah Berdasarkan UU No. 21 Tahun 2008. Grafindo Books Media.

Mardani. (2014). Hukum Asuransi Syariah. Prenadamedia Group.

Milati, A., & Arifin, T. (2021). Penyelesaian Wanprestasi Nasabah Dalam Akad Mudharabah (Studi Kasus Di BJB Syariah KCP Patrol). Jurnal Al-Muamalat (Jurnal Ekonomi Syariah), 8(2), 66–80. https://doi.org/10.15575/am.v8i2.14002

Muhammad, N., Husnul, H., Moh, Y., Faisal, W., Fattahul, I., & Papua, M. (2023). Penyelesaian Kewajiban Debitur Wafat oleh Ahli Waris pada Bank Syariah Indonesia KCP Jayapura Abepura. Al-Qanun: Jurnal Pemikiran Dan Pembaharuan Hukum Islam, 26(1), 43–56.

Nurainiyah, N., Astawa, I. K., & Setiady, T. (2024). Perlindungan Hukum bagi Pemegang Polis dalam Konteks Pengalihan Liabilitas dan Restrukturisasi Asuransi Berdasarkan Undang-Undang Nomor 40 Tahun 2014 Tentang Perasuransian. UNES Law Review, 7(1), 169–183.

Nurhotia Harahap. (2021). Perlindungan Hukum Terhadap Konsumen Terkait Dengan Kenaikan Harga Masker Dimasa Pandemi Covid-19. Yurisprudentia: Jurnal Hukum Ekonomi, Vol.7(1), 112.

Rahmalia, Y. S. (2023). Insurance law Perusahaan Asuransi Dilindungi Secara Hukum Terhadap Tindakan Klaim Asuransi Yang Disalahgunakan. Jurnal Ilmiah Wahana Pendidikan, 9(13), 649–662.

Rambe, S. H., & Sekarayu, P. (2022). Perlindungan Hukum Nasabah Atas Gagal Klaim Asuransi Akibat Ketidaktransparanan Informasi Polis Asuransi. Jurnal Usm Law Review, 5(1), 93–109. https://doi.org/10.26623/julr.v5i1.4073

Sikellitha, A., Sunarmi, S., & Purba, H. (2021). Pertanggungjawaban Hukum Perusahaan Asuransi. Jurnal Darma Agung, 29(3), 332–341. https://doi.org/10.46930/ojsuda.v29i3.1216

Soemitra, A. (2009). Bank & Lembaga Keuangan Syariah. Perdana Media.

Suprima, Rizkianti, W., & Khoirur Rizal Lutfi. (2019). Implikasi Hukum Penunjukan Ahli Waris Berdasarkan Klausul Asuransi Dalam Perspektif Hukum Waris Perdata. Esensi Hukum, 1(1), 109–118. https://doi.org/10.35586/esensihukum.v1i1.12

Zainal, & Laniza, E. A. (2020). Hukum Asuransi. PT Cipta Gadhing.

Zulkifli, S., Meidina, L., Dhalimunthe, S. H., & Ginting, I. C. (2020). Implementasi Prinsip Subrogasi pada Asuransi Kendaraan Bermotor: Studi pada PT Pan Pacific Insurance. SIGn Jurnal Hukum, 2(1), 20–29. https://doi.org/10.37276/sjh.v2i1.65

Downloads

Published

2024-11-19

How to Cite

Siregar, Hotma Sari, and Fatimah Zahara. 2024. “Settlement of Remaining Financing Due to Rejected Insurance Claims from the Perspective of POJK Number 69/POJK.05/2016 (Case Study at BPRS Puduarta Insani Medan)”. AL-IKTISAB: Journal of Islamic Economic Law 8 (2):187-200. https://doi.org/10.21111/aliktisab.v8i2.13021.

Issue

Vol. 8 No. 2 (2024)

Section

Articles

License

Copyright (c) 2024 Hotma Sari Siregar, Fatimah Zahara

Creative Commons License

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

Publishing your paper with Al-Iktisab: Journal of Islamic Economic Law means that the author or authors retain the copyright in the paper. Al-Iktisab: Journal of Islamic Economic Law granted an exclusive non commercial reuse license by the author(s), but the author(s) are able to put the paper onto a website, distribute it to colleagues, give it to students, use it in your thesis etc, so long as the use is not directed at commercial advantage or toward private monetary gain. The author(s) can reuse the figures and tables and other information contained in their paper published by Al-Iktisab: Journal of Islamic Economic Law in future papers or work without having to ask anyone for permission, provided that the figures, tables or other information that is included in the new paper or work properly references the published paper as the source of the figures, tables or other information, and the new paper or work is not direct at private monetary gain or commercial advantage.

Al-Iktisab: Journal of Islamic Economic Law journal provides immediate open access to its content on the principle that making research freely available to the public supports a greater global exchange of knowledge. This journal is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License. This license lets others remix, tweak, and build upon your work non-commercially, and although their new works must also acknowledge & be non-commercial, they don’t have to license their derivative works on the same terms.

Al-Iktisab: Journal of Islamic Economic Law journal Open Access articles are distributed under this Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License. Articles can be read and shared for noncommercial purposes under the following conditions:

  • BY: You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use (Attribution).
  • NC: You may not use the material for commercial purposes (Non Commercial).
  • SA: If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original (Share Alike).