Suchergebnisse

Perkembangan industri asuransi di Indonesia makin berkembang, hal ini dapat dilihat dari makin meningkatnya kesadaran masyarakat untuk ikut berasuransi. Menangkap peluang tersebut, maka saat ini banyak perusahaan asuransi bermunculan dengan menawarkan banyak produk dan jenis asuransi yang kompetitif. Asuransi syariah menjadi salah satu pilihan masyarakat yang dianggap sangat diminati karena dianggap lebih baik daripada asuransi konvensional. Dalam praktiknya perusahaan asuransi tidak semuanya memahami prinsip-prinsip dasar asuransi syariah sehingga pada praktiknya tidak sesuai dengan prinsip-prinsip tersebut. Untuk itu perlu ada kajian yang lebih dalam terkait dengan teknis dan prinsip asuransi syariah yang saat ini dijalankan oleh perusahaan-perusahaan asuransi syariah. Maka perlu diketahui pula oleh para nasabah, calon nasabah dan terutama perusahaan asuransi syariah mengenai prinsip General Takaful System (GTS). Diharapkan perusahaan tersebut benar-benar menjalankan prinsip asuransi syariah sesuai dengan Al-Quran, Hadist dan Peraturan Perundang-undangan yang berlaku di Indonesia agar tercapai kesejahteraan bersama.The development of insurance industry in Indonesia is growing, it can be seen from the increasing awareness of the public to participate in insurance. Capturing these opportunities, then the current many insurance companies have sprung up to offer a lot of products and competitive insurance types. Takaful be one of the people who are considered highly desirable because it is considered better than conventional insurance. In practice, insurance companies do not all understand the basic principles of Islamic insurance so that in practice is not in accordance with these principles. For that there needs to be a deeper study related to the technical principles of Islamic insurance which is currently run by insurance companies' sharia. Then it needs to be known also by its customers, prospective customers and especially the Islamic insurance company regarding the principle of General Takaful System (GTS). It is expected that the company is actually running the principles of Islamic insurance in accordance with the Al-Qur'an, Hadist and legislations in force in Indonesia in order achieve common prosperity.

ABSTRAKIndikasi Riba" diketahui lewat perhitungan premi dengan ditemukan adanyapraktek pembulatan harga ditinjau dari perhitungan premi yang ditentukan olehperusahaan asuransi dijumlahkan dengan harga pertanggungan aset nasabah.Gharar diketahui pada saat perusahaan konvensional berkenan untuk menggunakanjasa perusahaan asuransi syariah meng-cover aset mereka. Dana yangdipergunakan untuk membayar premi dan asal-usul harta yang digunakan pada saatpembelian aset oleh nasabah harus ditelisik secara rinci supaya menjaga kehalalandalam menjalankan bisnis asuransi syariah. Apabila suatu waktu ditemukan buktibuktiadanya kerusakan dalam akad dimana klausula syariah menjadi patokanutama, maka pada waktu itu pula pertanggungan aset tersebut di-close olehperusahaan asuransi syariah. Terkait Maysir (perjudian) indikasinya melalui klaimyang disetujui untuk ditangani dan yang tidak berdasarkan moral hazard danphysical hazard.Diperlukan adanya solusi atas permasalahan tersebut oleh pihak DSN-MUIbekerjasama dengan Organisasi Masyarakat (Ormas) berbasis agama Islam untukmengarahkan sesuai menurut syariat Islam sekaligus memberikan pencerahan2kepada masyarakat Indonesia khususnya umat Islam bahwa benar asuransi syariahadalah cabang ekonomi berbasis syariah mengedepankan kemaslahatan bagi setiappelaku kegiatannya serta adanya perlindungan secara yuridis oleh pemerintahkhususnya di Indonesia tentang pendirian dan tumbuh-kembangnya asuransisyariah di Indonesia secara khusus diatur dalam perundang-undangan.Kata kunci : Fatwa DSN-MUI, Peraturan Asuransi di Indonesia dan KegiatanAsuransi Syariah pada PT Asuransi Takaful Umum CabangPontianak, PT Jasindo Syariah Cabang Pontianak dan PT AskridaSyariah Cabang PontianakABSTRACTRiba indication 'known through the premium calculation found the practice ofrounding off prices in terms of the calculation of the premium is determined by theinsurance company summed with the insured client assets. Gharar known at thetime of conventional companies deign to use the services of Islamic insurancecompanies to cover their assets. Funds are used to pay the premium and the originof the treasure that is used at the time of the asset purchase by the customer mustbe examined in detail in order to keep halal in running the sharia insurance business.If a time found evidence of damage in the contract clause where sharia become themain criterion, then at the time the asset is also insured in-close by Islamic insurancecompanies. Related Maysir (gambling) approved indications through claims to behandled and are not based on moral hazard and physical hazard.There needs to be a solution to these problems by the DSN-MUI incollaboration with Civil Society Organizations (CSOs) based on the Islamicreligion to direct the appropriate according to Islamic law while providing3enlightenment to the people of Indonesia, especially the Muslims that the rightTakaful is a Shariah-based branches of the economy puts the benefit for eachoffender activities as well as the juridical protection by the government,especially in Indonesia on the establishment and flowering of Islamicinsurance in Indonesia specifically addressed in legislation.Keywords : Fatwa DSN-MUI, Indonesia's Insurance Regulatory and Takafulactivities at PT Asuransi Takaful Umum Branch of Pontianak,Pontianak PT Jasindo Syariah Branch and PT Askrida SyariahBranch Pontianak

This study analyses the legal protection for insurance policy holders against the bankruptcy of insurance companies. The legal relationship between the insurance company and the policy holder occurs because of a contract from the insurance company and the policy holder to approve the engagement. The parties have their respective rights and obligations in the agreement which must be adhered to and apply as law for insurance companies and policy holders. If the insurance company goes into bankruptcy, the position of the policyholder is regulated in Law No. 40 of 2014 concerning Insurance (UUP). According to Law No. 37 of 2004 concerning Bankruptcy and Postponement of Payment of Debt Obligations (UUK-PKPU) creditors are divided into three namely separatist creditors, preferred creditors and concurrent creditors. The policy holder here becomes the preferred creditor, this creditor has special privileges that must take precedence and has a higher position than other creditors because of the engagement with the insurance company. Insurance company bankruptcy here can only be filed by the Financial Services Authority to the Commercial Court. After the company goes into bankruptcy, the insurance company's bankrupt bill will be divided by the curator to creditors including policy holders. This study uses a normative juridical method, namely by examining the legal norms that exist in the legislation, legal theories and jurisprudence related to the issues discussed. By using a problem approach method in the form of a Statue Approach, an approach that is carried out by examining laws and regulations related to the legal issues raised. The purpose of this study is to find out and analyse the legal protection for insurance policy holders against the bankruptcy of insurance companies.Keywords: Insurance Company, Bankruptcy, Insurance Policy, Insurance Law AbstrakPenelitian ini menganalisis tentang perlindungan hukum bagi pemegang polis asuransi terhadap pailitnya perusahaan asuransi. Hubungan hukum perusahaan asuransi dengan ...

ABSTRAKPerkembangan asuransi berbasiskan syariah sangat perlu diiringi dengan pemahaman masyarakat terhadap perbankan syari"ah, baik mengenai akad asuransi syariah, kedudukan para pihak dalam asuransi syariah dan penyelesaian sengketa asuransi syariah agar masing-masing yang berkepentingan mendapatkan perlindungan hukum, perlindungan hukum ini diharapkan dapat memberikan nilai-nilai kebenaran, ketertiban, keadilan dan kemanfaatan kedua belah pihak.Untuk mengetahui perkembangan dan pertumbuhan asuransi berbasiskan syariah dalam konteks prinsip ekonomi syariah di Indonesia , maka perlu dilakukan penelitian tentang "ASURANSI SYARIAH DITINJAU DARI PRINSIP HUKUM EKONOMI SYARIAH (Studi Pada PT. Asuransi Takaful Umum Cabang Pontianak)".Dua permasalahan yang diangkat adalah bagaimana akad asuransi syariah pada PT. Asuransi Takaful Umum Cabang Pontianak berdasarkan Hukum Ekonomi Syariah dan bagaimana penyelesaian sengketa asuransi syariah pada PT. Asuransi Takaful Umum Cabang Pontianak.Secara khusus penelitian ini bertujuan untuk menganalisa pengaturan akad-akad asuransi syariah dan kedudukan para pihak dalam asuransi syariah yang ditinjau menurut syariat Islam, peraturan perundang-undang dan menurut hukum ekonomi syariah serta untuk mengetahui penyelesaian sengketa dalam asuransi syariah.Metode Penelitian yang digunakan adalah Metode Normatif, yaitu metode yang digunakan untuk memecahkan masalah-masalah hukum melalui data sekunder terlebih dahulu, kemudian dilanjutkan dengan mengadakan penelitian terhadap data Primer di lapangan.Dari hasil penelitian tentang pelaksanaan akad pada PT. Asuransi Takaful Umum Cabang Pontianak, bahwa akad yang digunakan telah sesuai dengan syariah Islam, peraturan perundang-undangan dan hukum ekonomi syariah.Terhadap penyelesaian sengketa, dilakukan melalui musyawarah dan arbitrase telah sesuai dengan fatwa-fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI), Peraturan Mahkamah Agung Republik Indonesia Nomor 02 Tahun 2008 tentang Kompilasi Hukum Ekonomi Syariah dan Undang-undang Nomor 3 Tahun 2006 tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1989 tentang Peradilan Agama sedangkan penyelesaian melalui Litigasi pada Kepaniteraan Pengadilan Negeri seharusnya melalui Kepaniteraan Pengadilan Agama sebagaimana ketentuan dalam Undang-undang Nomor 3 Tahun 2006 tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1989 tentang Peradilan Agama.Regulasi hukum dalam bentuk undang-undang sudah seharusnya dilakukan oleh lembaga legislatif dan eksekutif untuk memberikan landasan yang kuat dalam operasionalisasi asuransi syariah di Indonesia karena selama ini hanya menyandarkan kepada fatwa-fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) dan Peraturan Mahkamah Agung Republik Indonesia Nomor 02 Tahun 2008 tentang Kompilasi Hukum Ekonomi SyariahKata Kunci : Akad Asuransi Syariah dan Hukum Ekonomi Syariah pada PT. ASuransi Takaful Umum Cabang Pontianak.3ABSTRACTIt"s very important that the development of sharia – based insurance is followed by people"s understanding of it, not only about the contracts and the position of the parties, but also about the settlement of disputes, in order to have each party get legal protection. The legal protection is expected to provide values of truth, order, justice and benefit.To determine the development and the growth of sharia – based insurance in Islamic Economy in Indonesia, it is necessary to research on " SHARIA – BASED INSURANCE IN PERSPECTIVE OF ISLAMIC ECONOMIC LAW (Study at PT . Asuransi Takaful Umum Pontianak Branch) " .2 (two) concerns of the research are what kinds of contract provided in PT. Asuransi Takaful Umum Pontianak Branch, whether the regulating of rights and how is the way of settlement of disputes in PT. Asuransi Takaful Umum Pontianak Branch.This research is specifically aimed to analyze contract of sharia – based insurance, the position of the parties in perspective of Islamic Jurisprudence, Normative Laws and Islamic Economic Law and to recognize the way of settlement of disputes in PT. Asuransi Takaful Umum Pontianak Branch.The research method uses Normative Method, ie the method used to solve legal problems through secondary data first, then proceed to conduct primary research on the data by field research.The results of research about contract at PT. Asuransi Takaful Umum Pontianak Branch is that contracts are aplicated due to Islamic Jurisprudence, Normative Laws and Islamic Economic Law.The settlement of disputes through mediation and arbitration are applicated due to fatwa of Dewan Syariah Nasional – Majelis Ulama Indonesia (DSN-MUI), Perma Number 2 Year 2008 on The Compilation of Islamic Economic Law and Law Number 3 Year 2006 on the amandment of Law No. 7 Year 1989 on Religious Court, and the settlement of dispute trough litigation in General Court should be settle by Religious Court which is stated in Law Number 3 Year 2006 on the amandment of Law No. 7 Year 1989 on Religious Court.The implementation of activities of shari – based insurance needs laws made by Legislative and Executive to be a strong foundation not only using fatwa of Dewan Syariah Nasional – Majelis Ulama Indonesia (DSN-MUI) and Perma Number 2 Year 2008 on The Compilation of Islamic Economic Law.Keywords : Contracts of Sharia – Based Insurance and Islamic Economic Law at PT . Asuransi Takaful Umum Pontianak Branch.

Every economic and finance institution which operates based on shariah principles have to apply the Islamic syariah values. This provision has been set by the government, either by means of act or other regulations. The further technical provision is made by Dewan Syariah Nasional- Majelis Ulama Indonesia (the National Shariah Council-Indonesia Ulama Assembly) as the guidance in the fieldwork. Asuransi Takaful Keluarga (Family Takaful Assurance) is one of assurance sectors that its operational is based on the shariah principles. The result of a study showed that the contractapplicationthat is done has fulfilled the principles and prerequirements of syariah contracts. The model of contract that is operated is standard contract by considering the syariah aspects. In addition, it also attends to the contract principles such as permition, usefulness, justice, and other principles. Not only that, the done contract also has attended as maximal as possible to the syariah business ethics, by avoiding the syariah prohibitions such as gambling, deception, and unclearness in the contracts.

Every economic and finance institution which operates based on shariah principles have to apply the Islamic syariah values. This provision has been set by the government, either by means of act or other regulations. The further technical provision is made by Dewan Syariah Nasional- Majelis Ulama Indonesia (the National Shariah Council-Indonesia Ulama Assembly) as the guidance in the fieldwork. Asuransi Takaful Keluarga (Family Takaful Assurance) is one of assurance sectors that its operational is based on the shariah principles. The result of a study showed that the contractapplicationthat is done has fulfilled the principles and prerequirements of syariah contracts. The model of contract that is operated is standard contract by considering the syariah aspects. In addition, it also attends to the contract principles such as permition, usefulness, justice, and other principles. Not only that, the done contract also has attended as maximal as possible to the syariah business ethics, by avoiding the syariah prohibitions such as gambling, deception, and unclearness in the contracts.

This article examines how the application of the law to bankrupt insurance company customers. There will be a lot of concerns that they experience if the insurance company that can divert the risk that threatens the assets or lives have gone bankrupt. The purpose of this thesis is to find out and analyze the position of the insurance policy holder if the Insurance Company is bankrupt in accordance with the legislation. And to find out and analyze what legal protection can be given to insurance policy holders if the insurance company is bankrupt. With the formulation of the problem how the position of the insurance customer if the insurance company is bankrupt based on the legislation what can be given to the policyholder if the insurance company is bankrupt. This study uses normative legal methods, because it studies or analyzes secondary data in the form of secondary legal materials by understanding the law as a set of positive norms in the regulatory system and legal theory. So this research is understood as library research, that is research based on secondary data. So the results of this study can be stated that the position of insolvent insurance customers is endorsed and the legal protection provided in the form of preventive and repressive legal protection. Keywords:Legal Protection; Insurance Companies; Bankruptcy. Abstrak Artikel ini mengkaji tentang bagaimana penerapan hukum terhadap nasabah perusahaan asuransi yang pailit.Akan banyak sekali kekhawatiran yang mereka alami jika perusahaan asuransi yang dapat mengalihkan risiko yang mengancam harta kekayaan atau jiwanya telah pailit.Tujuan dibuatnya skripsi ini adalah untuk mengetahui dan meganalasis dari kedudukan pemegang polis asuransi apabila Perusahaan Asuransi tersebut Pailit sesuai dengan peratuan Perundang-Undangan. Dan untuk mengetahui dan menganalisis Perlindungan hukum apa saja yang dapat diberikan kepada pemegang polis asuransi apabila Perusahaan Asuransi asuransi tersebut Pailit. Dengan rumusan masalahnya bagaimana kedudukan nasabah asuransi apabila perusahaan asuransi pailit berdasarkan peraturan perundang-undangan apa saja yang dapat diberikan kepada pemegang polis apabila perusahaan asuransi pailit. Penelitian ini menggunakan metode hukum normatif, karena mengkaji atau menganalisis data sekunder berupa bahan-bahan hukum sekunder dengan memahami hukum sebagai perangkat peraturan norma-norma positif di dalam sistem peraturan perundang-undangan dan teori hukum.Jadi penelitian ini dipahami sebagai penelitian kepustakaan, yaitu penelitian yang berdasarkan terhadap data sekunder.Jadi hasil dari penelitian ini dapat dinyatakan bahwa kedudukan nasabah asuransi yang pailit adalah diutmakan dan perlindungan hukum yang diberikan berupa perlindungan hukum preventif dan represif. Kata Kunci: Perlindungan Hukum; Perusahaan Asuransi; Kepailitan.

FIF Syariah is a non-bank Sharia-based unit running a financing business. The fact thatit follows Sharia precepts and that the majority of Indonesian citizens are Muslims make it pro-spective to be an alternative in distributing funds to people in Indonesia. In middle term, there isa big chance that FIF Syariah will have a speedy growth since the number of company that openSharia financing units is still relatively small. It is important that every stakeholder pay attentionsto these Sharia financing units so they can grow and stay in the right track (complying withIslamic law). The commitment of the government will certainly support the development ofSharia financing in Indonesia.

The research is aimed at investigating the exclusive position of the Minister of Finance as an applicant in an insurance company's bankruptcy. This given authority has brought up issues in relation to law particularly concerning principle obedience. Problems raised in this research are, first, has Article 2 (5) Act No. 37 Year 2004 fulfilled the justice principle especially in the context of the nation's role? Second, the given authority is in accordance with the positions and functions of the finance minister as "the government". The methodology used in this paper is normative research. The research findings are: first, the nation's participation in organising and overseeing the insurance company's activities is fair. However, the chosen mechanism has actually ignored the law principles that have been agreed upon. The second finding, the position and the authority of the Minister of Finance as bankruptcy applicant has violated the positions and functions of a minister as it is already arranged in the Act of the Minister of State.

ABSTRACIn this thesis, the author raises the title "Legal Protection for Customers as Users of Loss Insurance Services If the Insurance Company Goes into Bankruptcy" and raises the following issues: 1. How is legal protection for customers who use loss insurance services if the insurance company goes bankrupt according to Law No. 37 of 2004 concerning Bankruptcy and PKPU? 2. What are the legal remedies taken by customers who use insurance services to obtain their rights if the insurance company goes bankrupt?In this paper using normative legal research methods. And in the research using the approach to legislation and the conceptual approach. The results in this study, legal protection for customers, the insurance company provides compensation to customers according to the provisions in the policy. The fire insurance company has an obligation to pay/compensate for losses to its customers, so that it does not harm its customers. Legal remedies taken by customers if the insurance company goes bankrupt to get their rights in the form of payments from their receivables, customers can claim their rights regarding bankruptcy assets by submitting insurance claims to the curator.Keywords: Legal protection, Customers, Insurance Services, Bankruptcy ABSTRAKPada skripsi ini, penulis mengangkat judul "Perlindungan Hukum Bagi Nasaah Sebagai Pengguna Jasa Asuransi Kerugian Apabila Perusahaan Asuransi Mengalami Kepailitan" dan mengangkat permasalahan sebagai berikut: 1. Bagaimana perlindungan hukum bagi nasabah pengguna jasa asuransi kerugian apabila perusahaan asuransi mengalami kepailitan menurut Undang-Undang Nomor 37 tahun 2004 tentang Kepailitan dan PKPU? 2. Bagaimanakah upaya hukum yang dilakukan oleh nasabah pengguna jasa asuransi untuk memperoleh haknya apabila perusahaan asuransi mengalami kepailitan?Dalam penulisan ini menggunakan metode penelitian hukum normatif. Dan dalam penelitian menggunakan metode pendekatan terhadap Perundang-undangan dan Pendekatan Konseptual. Hasil dalam penelitian ini, Perlindungan hukum ...

This paper wants to explore more about the prospects and challenges of the development of Islamic insurance in Indonesia. Islamic insurance industry in Indonesia has very good prospects for growth, the demand for insurance products based on shariah will continue to increase. This is supported by a large population of Indonesia and also as the largest Muslim country in the world. However, this industry will also experience a very strong obstacle because of the global economic downturn, as it also conditions the people are not educated about insurance, the free market has begun to be applied, resources are less about Islamic insurance, lack of capital and other on.Therefore it needs the government's role to help to continue to grow, with regulations that support this industry

This research aims to identify and analyze how the legal protection of policyholders and how to balance the legal protection of creditors, debtors and society. The author uses the method of juridical and normative research uses a qualitative approach, the findings and analysis will be prepared with descriptive approach. The results showed that the institution of bankruptcy in Indonesia in the legal protection of creditors, debtors and society, yet can accommodate a comprehensive settlement of disputes bankruptcy. This study suggests that the principles of good corporate governance is characterized by fairness and justice, transparency or openness, accountability, and responsibility, to be used as input in the relevant reform legislation relating to business law, particularly insurance and bankruptcy law.

Abstract. The writer conducted this research to know the influence of Risk Based Capital (RBC) towards profitability of life-insurance company. According to the Government Regulation, Regulation of the Minister of Finance of Republic of Indonesia Number 424/KMK/.06/2003, decidedthe solvability level to determine the level of Risk Based Capital (RBC) achieved by every insurance company, was ≥ 120%. RBC that is owned by insurance company would influence the result of its profitability level. The purpose of this research was to find out the influence of Risk Based Capital towards Profitability of Life-Insurance Company, PT. BNI Life Insurance year 2007-2011. The method used in this research was descriptive analysis method and the use of statistics. The hypothesis testing used t-test. The data analysis used linear regression statistics, Pearson correlation, and coefficient of determination. The t-test showed that Risk Based Capital did not give significant influence towards profitability. The result could be observed in the analysis of determination coefficient which showed r value was 0.0231 or 2.31%. It means that there was a correlation of Risk Based Capital towards Profitability, but it was not too significant. Keywords: risk based capital; profitabilityAbstrak. Pada penelitian ini, penulis ingin menguji pengaruh Risk Based Capital (RBC) terhadap profitabilitas perusahaan asuransi jiwa. Risk Based Capital (RBC) adalah suatu ukuran yang menginformasikan tingkat keamanan financial atau kesehatan suatu perusahaan asuransi. Semakin besar rasio kesehatan RBC perusahaan asuransi, maka semakin sehat kondisi financial perusahaan tersebut. Peraturan pemerintah melalui Keputusan Menteri Keuangan No 424/KMK.06/2003 menetapkan batas tingkat solvabilitas untuk menentukan tingkat risk based capital (RBC) yang harus dicapai setiap perusahaan asuransi, yaitu ≥ 120%. RBC yang dimiliki perusahaan asuransi akan mempengaruhi tingkat profitabilitas yang dihasilkan. Tujuan penelitian ini untuk mengetahui apakah Risk Based Capital berpengaruh terhadap Profitabilitas pada perusahaan asuransi jiwa PT. BNI Life Insurance . Metode yang digunakan dalam penelitian ini adalah metode analisis deskriptif dan penggunaan statistik. Pengujian hipotesis menggunakan uji t. Penganalisaan data menggunakan statistik regresi linier, korelasi Pearson, dan koefisien determinasi. Hasil Uji t menunjukkan bahwa Risk Based Capital tidak berpengaruh secara signifikan terhadap Profitabilitas. Hasil ini dapat dilihat pada analisis koefisien determinasi, nilai r sebesar 0,0231 atau 2,31% yang berarti terdapat hubungan antara Risk Based Capital terhadap Profitabilitas, namun tidak terlalu signifikan.Kata Kunci: risk based capital; profitability

Tujuan penulisan ini untuk mengkaji dan memahami peranan Otoritas Jasa Keuangan dalam perlindungan nasabah akibat kepailitan perusahaan asuransi serta upaya perlindungan nasabah pada suatu perusahaan dimana asuransi telah dinyatakan pailit menurut hukum positif. Metode penulisan yang digunakan pada penelitian ini yakni metode penelitian yang berdasarkan penelitian normatif dengan mempergunakan pendekatan yang berlandaskan pada perundang-undangan dan pendekatan atas konsep yang dibarengi dengan bahan hukum sekunder serta primer. Hasil yang didapat dari penulisan penelitian ini menunjukan bahwasanya OJK sebagai lembaga pengawas untuk melindungi nasabah dari berbagai masalah seperti kepailitan. Peranan OJK dalam perlindungan nasabah akibat kepailitan perusahaan asuransi yakni melakukan pengaduan atas konsumen dengan melaksanakan pembelaan atas nama hukum diperuntukan untuk meningkatkan kepercayaan masyarakat serta nasabah asuransi pada khususnya serta OJK dimana berperan sebagai pihak yang berhak membuat pengajuan permohonan kepailitan melalui Dewan Komisioner OJK dengan prosedur yang ditempuh mengacu pada ketentuan dalam UUK-PKPU. Upaya perlindungan nasabah pada perusahaan asuransi yang dinyatakan pailit menurut hukum positif yakni termuat dalam Pasal 4 huruf e UUPK, Pasal 15 ayat (1) UUK-PKPU, Pasal 28-30 UU OJK dan Pasal 52 ayat (1) UU Perasuransian. The purpose of this paper is to review and understand the role of the Financial Services Authority in protecting customers due to insolvency of insurance companies and customer protection efforts in a company where insurance has been declared bankrupt according to positive law. The writing method used in this study is a research method based on normative research using an approach based on legislation and an approach to the concept coupled with secondary and primary legal materials. The results obtained from the writing of this study indicate that OJK as a supervisory agency protects customers from various problems such as bankruptcy. The role of OJK in protecting customers due to bankruptcy of insurance companies, namely filing complaints against consumers by carrying out defense in the name of the law is intended to increase public trust and insurance customers in particular as well as OJK, which acts as the party entitled to submit bankruptcy applications through the OJK Board of Commissioners with the following procedures refers to the provisions in UUK-PKPU. Efforts to protect customers in insurance companies that are declared bankrupt according to positive law are contained in Article 4 letter e UUPK, Article 15 paragraph (1) UUK-PKPU, Articles 28-30 of the OJK Law and Article 52 paragraph (1) of the Insurance Law.

This research is motivated by the role of the State Sharia Securities Issuing Company (SBSN) currently in issuing Sharia bonds and acting as an investment guarantee institution and maintaining the company's sharia principles. The purpose of this study is to look at the application of sharia principles by the State Sharia Securities Issuing Company. The research uses a normative approach by collecting primary data sources from laws, government regulations, fatwas and collecting secondary data obtained from books, magazines, articles, journals and other research repositories. These findings show that the relationship between the issuing company and the government is still limited to the company's authority and responsibility in issuing sharia securities. As investment underwriting institutions, these companies act on behalf of investor interests both in front of the court and outside the court. Although the establishment of issuers is only an adoption of the international capital market rather than the concept of Islamic economics, it has applied sharia principles in practices such as avoiding the elements of riba, maysir, gharar, ikhtikar and bai'najasy, risywah, legal certainty, responsibility, and benefits. Meanwhile, the application of principles that may not be in accordance with sharia principles, namely first: there is a default by the government / issuer to investors because the government / issuer is bankrupt so that the return on investment funds at maturity is not met, as promised at the beginning of the Second: there are losses and failures of SBSN issuing companies in carrying out their duties and obligations. Keywords : Application of Sharia Principles.