Analisis Manajemen Risiko Pelanggaran Fudiciary Duty Dalam Regulatory Compliance Pada Kasus Jiwasraya Di Indonesia Risk Management Analysis Of Fiduciary Duty Violations In Regulatory Compliance In The Jiwasraya Case In Indonesia

Senjaya, Pierre (2026) Analisis Manajemen Risiko Pelanggaran Fudiciary Duty Dalam Regulatory Compliance Pada Kasus Jiwasraya Di Indonesia Risk Management Analysis Of Fiduciary Duty Violations In Regulatory Compliance In The Jiwasraya Case In Indonesia. S2 thesis, Universitas Kristen Indonesia.

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Abstract

Penelitian ini menganalisis manajemen risiko pelanggaran fiduciary duty dalam konteks regulatory compliance pada kasus Jiwasraya di Indonesia. Skandal Jiwasraya menjadi contoh nyata kegagalan tata kelola perusahaan asuransi yang menyebabkan kerugian negara lebih dari Rp16 triliun akibat investasi berisiko tinggi, manipulasi laporan keuangan, dan penyalahgunaan wewenang. Penelitian ini bertujuan mengidentifikasi bentuk pelanggaran fiduciary duty dalam kasus Jiwasraya serta merancang strategi manajemen risiko untuk mencegah terulangnya kasus kegagalan tata kelola perusahaan serupa di masa depan. Menggunakan metode kualitatif dengan pendekatan studi kasus, data dikumpulkan melalui studi literatur, jurnal ilmiah, buku akademik dan laporan penelitian. Hasil penelitian menunjukkan bahwa Jiwasraya melanggar prinsip duty of care dan duty of loyalty. Pelanggaran ini diperparah oleh lemahnya pengawasan internal maupun eksternal serta ketidakpatuhan terhadap regulasi yang berlaku. Penelitian ini merekomendasikan strategi manajemen risiko berupa penguatan sistem pengawasan internal, penerapan prinsip kehati-hatian dalam investasi, pengelolaan konflik kepentingan, serta peningkatan transparansi dan akuntabilitas. Selain itu, peran regulator seperti OJK perlu diperkuat untuk memastikan kepatuhan perusahaan asuransi terhadap regulasi. Temuan penelitian ini diharapkan dapat menjadi referensi dalam memperbaiki tata kelola industri asuransi dan mencegah pelanggaran fiduciary duty dan regulatory compliance di masa mendatang. Kata Kunci: Fiduciary Duty, Regulatory Compliance, Manajemen Risiko, Tata Kelola Perusahaan / This study analyzes the risk management of fiduciary duty breaches within the context of regulatory compliance in the Jiwasraya case in Indonesia. Jiwasraya’s scandal serves as a real-world example of poor corporate governance in the insurance industry, leading to state losses of more than Rp16 trillion due to high-risk investments, manipulated financial statements, and abuse of authority. The study aims to identify the forms of fiduciary duty breaches in the Jiwasraya case and to design risk management strategies to prevent the recurrence of similar governance failures in the future. Using a qualitative method with a case study approach, data were collected through literature reviews, scientific journals, academic books, and research reports. The findings indicate that Jiwasraya violated the principles of duty of care and duty of loyalty. These breaches were exacerbated by weak internal and external supervision as well as noncompliance with applicable regulations. The study recommends a risk management strategy involving strengthening internal oversight systems, applying prudential principles in investments, managing conflicts of interest, and enhancing transparency and accountability. Additionally, the regulator’s role, such as OJK, should be strengthened to ensure insurance companies’ compliance with regulations. The study’s findings are expected to serve as a reference for improving governance in the insurance industry and preventing fiduciary duty violations and regulatory noncompliance in the future. Keywords: Fiduciary Duty, Regulatory Compliance, Risk Management, Corporate Governance

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