Peran Otoritas Jasa Keuangan dalam Permohonan Kepailitan Perusahaan Asuransi (Analisis Putusan Nomor 1016 K/PDT.SUS-PAILIT/2016)

Abstract

Pasal 50 Undang-Undang R.I No.40 Tahun 2014 tentang perasuransian, permohonan pernyataan pailit terhadap perusahaan asuransi, perusahaan asuransi syariah, perusahaan reasuransi atau perusahaan reasuransi syariah berdasarkan Undang-Undang diajukan Otoritas Jasa Keuangan. Permasalahannya adalah pengaturan peran Otoritas Jasa Keuangan dalam permohonan kepailitan perusahaan asuransi, peran Otoritas Jasa Keuangan dalam permohonan kepailitan perusahaan asuransi dan akibat hukum yang timbul apabila perusahaan asuransi dinyatakan pailit (Studi Kasus Putusan Nomor 1016 K/Pdt.Sus-Pailit/2016). Metodenya adalah penelitian hukum normatif. Sumber datanya adalah data sekunder. Analisa data penting dalam suatu penelitian rangka memberikan jawaban terhadap masalah diteliti. Kesimpulan adalah permohonan pernyataan pailit terhadap perusahaan asuransi, perusahaan asuransi syariah, perusahaan reasuransi atau perusahaan reasuransi syariah hanya diajukan Otoritas Jasa Keuangan. Adapun sistem secara tersentral pengaturan dan pengawasan jasa keuangan dan pembiayaan termasuk pengajuan permohonan pernyataan pailit lembaga jasa keuangan dan pembiayaan termasuk perusahaan asuransi dasarnya bertujuan menjamin kepentingan semua pihak demi menciptakan sistem perekonomian stabil melalui sektor jasa keuangan dan pembiayaan perusahaan asuransi. Akibat hukum timbul apabila perusahaan asuransi dinyatakan pailit mengakibatkan seluruh harta kekayaan debitur pailit dalam sitaan umum sehingga debitur pailit kehilangan haknya secara keperdataan menguasai dan mengurus kekayaannya termasuk harta pailit, sejak tanggal putusan pernyataan pailit diucapkan. Sarannya adalah seharusnya Pemerintah membuat pengaturan berkaitan kewenangan Otoritas Jasa Keuangan mengajukan permohonan pernyataan pailit bagi perusahaan asuransi sehingga tercapai kepastian hukum. Berlakunya Undang-Undang No.21 Tahun 2011, hendaknya diikuti peraturan pelaksana mampu memberikan payung hukum Otoritas Jasa Keuangan dalam peralihan peran dari Menteri Keuangan. Pemerintah membuat peraturan mengatur tentang jaminan perlindungan hak-hak pemegang polis asuransi dalam kepailitan perusahaan asuransi.

Article 50 of Law No. 40 of 2014 on R.I No. 40 of 2014 concerning insurance, a request for bankruptcy statement against an insurance company, an Islamic insurance company, a reinsurance company or an Islamic reinsurance company pursuant to a law submitted by the Financial Services Authority. The problem is the regulation of the role of the Financial Services Authority in the insurance bankruptcy application, the role of the Financial Services Authority in the insurance bankruptcy application and the legal consequences arising if the insurer is declared bankrupt (Case Study Decision Number 1016 K/Pdt.Sus-Bankrupt /2016). The method is normative legal research. The data source is secondary data. An important data analysis in a framework study provides an answer to the problem studied. The conclusion is a request for bankruptcy statement against insurance companies, sharia insurance companies, reinsurance companies or sharia reinsurance companies only submitted by the Financial Services Authority. The centralized system of regulation and supervision of financial services and financing including the filing of bankruptcy statements of financial services and financing institutions including insurance companies essentially aims to ensure the interests of all parties in order to create a stable economic system through the financial services sector and insurance company financing. Legal consequences arise if the insurance company declared bankruptcy resulted in the entire property of the debtor bankrupt in the public confiscation so that the debtor bankruptcy loses his right in civilian control and take care of his wealth including bankruptcy property, since the date of decision of bankruptcy statement is pronounced. The suggestion is that the Government should make arrangements relating to the authority of the Financial Services Authority to apply for a bankruptcy statement for insurance companies so that legal certainty is reached. The enactment of Law No.21 of 2011, should be followed by the implementing regulation is able to provide legal umbrella of the Financial Services Authority in the transition of the role of the Minister of Finance. The Government makes regulations governing the guarantee of the protection of the rights of the insurance policyholders in the insolvency of the insurance company.