Kewenangan Otoritas Jasa Keuangan Terkait Permohonan Penundaan Kewajiban Pembayaran Utang Perusahaan Asuransi

Lalamentik, Sylvia Anita (2023) Kewenangan Otoritas Jasa Keuangan Terkait Permohonan Penundaan Kewajiban Pembayaran Utang Perusahaan Asuransi. S2 thesis, Universitas Kristen Indonesia.

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Abstract

ABSTRAK Judul : KEWENANGAN OTORITAS JASA KEUANGAN TERKAIT PERMOHONAN PENUNDAAN KEWAJIBAN PEMBAYARAN UTANG PERUSAHAAN ASURANSI Pasal 2 ayat (5) UU Kepalitan dan PKPU yang menyebutkan kewenangan OJK sebagai pihak yang berhak untuk mengajukan permohonan pailit dan PKPU pada perusahaan asuransi. Dalam prakteknya permohonan penundaan kewajiban pembayaran utang perusahaan asuransi PT Asuransi Kresna yang diajukan oleh kreditor tanpa melalui OJK, dikabulkan oleh Majelis Hakim. Putusan PKPU Kresna tersebut seolah menjadi preseden baru bahwa permohonan PKPU terhadap perusahaan asuransi yang diajukan oleh kreditor tanpa melalui OJK ternyata bisa dikabulkan. Adapaun rumusan masalah dalam penelitian ini yaitu bagaimana kebijakan permohonan penundaan kewajiban pembayaran utang perusahaan asuransi? Serta bagaimana kewenangan Otoritas Jasa Keuangan terhadap permohonan penundaan kewajiban pembayaran utang perusahaan asuransi? Teori yang digunakan dalam penelitian ini yaitu teоri kewenangan menurut Рhiӏiрus M. Hadjоn dan teori kepastian hukum menurut Jan Michael Otto. Metode yang digunakan dalam penelitian ini adalah penelitian hukum normatif yang dilakukan sebagai upaya untuk mendapatkan data yang diperlukan sehubungan dengan permasalahan. Data yang digunakan adalah data sekunder yang terdiri dari bahan hukum primer, bahan hukum sekunder, dan bahan hukum tersier. Untuk analisis data dilakukan dengan metode analisis kualitatif. Hasil penelitian menunjukkan bahwa kebijakan permohonan penundaan kewajiban pembayaran utang perusahaan asuransi yaitu sebagaimana ketentuan Pasal 223 Undang- Undang Kepailitan dan Penundaan Kewajiban Pembayaran Utang yang bersifat imperatif dalam pengajuan permohonan penundaan kewajiban pembayaran utang terhadap perusahaan asuransi. Dimana kreditor selaku nasabah dari perushaan asuransi harus terlebih dahulu menyampaikan permohonan kepada Otoritas Jasa Keuangan. Apabila permohonan disetujui, maka Otoritas Jasa Keuangan mewakili kreditor untuk mengajukan permohonan penundaan kewajiban pembayaran utang kepada Pengadilan Niaga. Namun apabila Otoritas Jasa Keuangan menolak permohonan tersebut, maka penolakan permohonan tersebut disampaikan secara tertulis disertai alasannya. Kewenangan Otoritas Jasa Keuangan terhadap permohonan penundaan kewajiban pembayaran utang perusahaan asuransi yaitu hanya menyangkut kedudukan hukum, dimana Otoritas Jasa Keuangan hanya bertindak sebagai pemohon dalam perkara penundaan kewajiban pembayaran utang berdasarkan surat kuasa khusus sebagai wakil dari para kreditor selaku nasabah perushaan asuransi. Sehingga dapat dikatakan bahwa kreditor atau nasabah pemegang polis asuransi tidak memiliki kedudukan hukum dalam mengajukan permohonan penundaan kewajiban pembayaran utang terhadap perusahaan asuransi ke Pengadilan Niaga. Melainkan Kreditor dapat mengajukan permohonan penundaan kewajiban pembayaran utang terhadap perusahaan asuransi melalui Otoritas Jasa Keuangan selaku lembaga Pembina dan pengawas disektor keuangan. Kata Kunci : Kewenangan, Otoritas Jasa Keuangan, Penundaan Kewajiban Pembayaran Utang, Perusahaan Asuransi. / ABSTRACT Title: AUTHORITY OF THE FINANCIAL SERVICES AUTHORITY REGARDING THE APPLICATION FOR POSTPONEMENT OF DEBT PAYMENT OBLIGATIONS OF INSURANCE COMPANIES Article 2 Paragraph (5) of the law on compensation and PKPU which states the authority of the FSA as a party entitled to file a bankruptcy application and PKPU on insurance companies. In practice, the application for postponement of the debt payment obligations of the insurance company PT Asuransi Kresna filed by creditors without going through the OJK, was granted by the panel of judges. The decision of PKPU Kresna seems to be a new precedent that PKPU applications against insurance companies submitted by creditors without going through the OJK can be granted. Adapaun formulation of the problem in this study is how the policy application delay debt repayment obligations of insurance companies? And how is the authority of the Financial Services Authority on the application for postponement of debt payment obligations of insurance companies? The theory used in this study is the theory of authority according to Рhiӏiрus M. Hadjon and the theory of legal certainty according to Jan Michael Otto. The method used in this study is normative legal research conducted in an effort to obtain the necessary data in connection with the problem. The Data used is secondary data consisting of primary legal materials, secondary legal materials, and tertiary legal materials. For data analysis is done by qualitative analysis method. The results showed that the policy of application for postponement of debt payment obligations of insurance companies is as the provisions of Article 223 of the bankruptcy law and the postponement of debt payment obligations that are imperative in filing an application for postponement of debt payment obligations to insurance companies. Where creditors as customers of insurance companies must first submit an application to the Financial Services Authority. If the application is approved, the Financial Services Authority represents the creditor to apply for a delay in debt repayment obligations to the Commercial Court. However, if the Financial Services Authority rejects the application, the rejection of the application is submitted in writing along with the reason. The authority of the Financial Services Authority on the application for postponement of debt repayment obligations of insurance companies is only concerned with legal status, where the Financial Services Authority only acts as an applicant in the case of postponement of debt repayment obligations based on a special power of attorney as a representative of creditors as an insurance company customer. So it can be said that the creditor or customer of the insurance policy holder does not have a legal position in applying for a delay in debt payment obligations against the insurance company to the Commercial Court. Instead, creditors can apply for a delay in debt payment obligations to insurance companies through the Financial Services Authority as a supervisory institution in the financial sector. Keywords : Authority, Financial Services Authority, Postponement Of Debt Repayment Obligations, Insurance Companies

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