Rifki, Agus (2024) ANALISIS YURIDIS PERLINDUNGAN HUKUM TERHADAP NASABAH BANK DALAM PENERAPAN ASURANSI DEPOSITO DARI RESIKO KERUGIAN TERHADAP PENERAPAN PRINSIP ASURANSI. S1 thesis, Universitas Sultan Ageng Tirtayasa.
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Abstract
The scope of insurance that can be covered by time deposit insurance is the risk of loss to depositors due to the bank not being able to pay depositors’ money due to bankcuptcy, directors of the bank concerned running away with customer money, bank being liquidated, bank freezing of business activities, risk of loss to depositors caused by bad credit, the risk of inflation causing a decrease in the value of the currency so that it can cause depositors’ money to be exposed to inflation and the risk of depositors’ losses due to political risk. The scope of insurance that can be provided in connection with deposit insurance does not need to use a certain limit because the most important thing is that if there is a risk of loss to depositors due to the bank stopping paying deposit money on the maturity date, the deposit insurance company is obliged to compensate depositors.The future of this deposit insurance according to the autor can be held against all banks in Indonesia with the condition that the Government issues a special provision regarding mandatory deposit insurance. The future of deposit insurance when viewed from a business perspective is very profitable for insurance entrepreneurs because with the increase in customer interest, namely the interest to protect their money deposits in the bank in the form of deposits through the deposit insurance business as stipulated in Government Regulation Number 34 of 1973 Guarantee for Money Deposits in Banks.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Ruang lingkup asuransi yang dapat ditutup dengan asuransi deposito yaitu resiko kerugian deposan yang disebabkan bank tidak dapat membayar uang deposan karena pailit, direktur bank yang bersangkutan melarikan diri dengan membawa uang nasabah, bank terkena Ikuidasi, bank beku kegiatan usaha, risiko kerugian deposan yang diakibatkan oleh kredit macet, risiko karena adanya inflasi yang menyebabkan turunnya nilai mata uang sehingga dapat mengakibatkan uang deposan terkena inflasi dan risiko kerugian deposan yang diakibatkan oleh adanya risiko politik. Ruang lingkup asuransi yang dapat diadakan dalam hubungan dengan asuransi deposito itu tidak perlu menggunakan limit tertentu karena yang terpenting adalah apabila terjadi risiko kerugian deposan disebabkan bank berhenti membayar uang deposito pada waktu tanggal jatuh tempo, maka perusahaan asuransi depositolah yang berkewajiban mengganti kerugian deposan. Masa depan asuransi deposito ini menurut penulis dapat diadakan terhadap seluruh bank-bank di Indonesia dengan syarat Pemerintah mengeluarkan suatu ketentuan khusus mengenai wajib asuransi deposito. Masa depan asuransi deposito apabila dilihat dari segi bisnis sangatlah menguntungkan pengusaha asuransi karena dengan bertambahnya kepentingan nasabah yaitu kepentingan untuk melindungi simpanan uangnya pada bank dalam bentuk deposito melalui usaha asuransi deposito seperti yang telah ditetapkan di dalam Peraturan Pemerintah Nomor 34 Tahun 1973 Jaminan Simpanan Uang Pada Bank | |||||||||
| Uncontrolled Keywords: | Application of Deposit Insurance in Order to Protect Customers Bank Penerapan Asuransi Deposito dalam Rangka Melindungi Nasabah Bank | |||||||||
| Subjects: | K Law > K Law (General) | |||||||||
| Divisions: | 01-Fakultas Hukum 01-Fakultas Hukum > 74201-Program Studi Ilmu Hukum |
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| Depositing User: | Agus Rifki | |||||||||
| Date Deposited: | 28 Mar 2024 11:56 | |||||||||
| Last Modified: | 28 Mar 2024 11:56 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/34431 |
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