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"Tesis ini membahas program penjaminan polis asuransi berdasarkan peraturan perundang-undangan perasuransian dan Undang-Undang No. 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan (“UU P2SK”) yang telah memberikan fungsi baru untuk melakukan penjaminan polis nasabah asuransi, yang harus dilaksanakan oleh Lembaga Penjamin Simpanan dalam jangka waktu 5 (lima) tahun sejak diundangkan. Permasalahan yang dibahas dalam Tesis ini adalah bagaimana pengaturan program penjaminan polis asuransi dalam peraturan perundang-undangan perasuransian dan UU P2SK serta bagaimana kesiapan Lembaga Penjamin Simpanan untuk melaksanakan fungsi program penjaminan polis asuransi. Metode penelitian yang digunakan adalah yuridis-normatif dengan bahan hukum primer dan sekunder, dengan teknik pengumpulan data melalui studi kepustakaan dan wawancara dengan analisis data secara kualitatif. Berdasarkan hasil penelitian, diperoleh kesimpulan bahwa sebelum diterbitkannya UU P2SK, pengaturan terkait program penjaminan polis hanya diatur secara singkat berdasarkan Undang-Undang No. 40 Tahun 2014 tentang Perasuransian dalam Pasal 53 ayat (1) sampai ayat (4), namun semenjak diundangkannya UU P2SK, pengaturan program penjaminan polis menjadi semakin lengkap. Kesimpulan lain adalah Lembaga Penjamin Simpanan telah melaksanakan persiapan program penjaminan polis yaitu menyusun roadmap yang memuat hal-hal yang harus dilaksanakan dengan target pelaksanaan dibagi per-tahun; melakukan beanchmark atau studi banding ke negara- negara lain yang telah memiliki lembaga penjamin polisnya sendiri; merancang RPP Program Penjaminan Polis, RPLPS tentang Pelaporan Perusahaan Asuransi, RPLPS tentang Penjaminan Polis Asuransi, dan RPLPS tentang Likuidasi Perusahaan Asuransi untuk selanjutnya akan diterbitkan di awal tahun 2024; melakukan pembentukan grup untuk menangani pelaksanaan program penjaminan polis; melakukan penyesuaian susunan dewan komisioner; dan melakukan program rekrutmen pegawai yang terdiri atas penerimaan lulusan baru dan penerimaan pegawai yang telah memiliki pengalaman kerja minimal 5 (lima) tahun. Saran yang dapat diberikan dalam penelitian ini adalah agar partisipasi dari ahli-ahli di bidang perasuransian dapat ditingkatkan dalam internal Lembaga Penjamin Simpanan melalui pelaksanaan rekrutmen terbuka agar pelaksanaan program penjaminan polis ditangani oleh individu-individu yang berpengetahuan baik di bidang perasuransian. Saran lainnya yakni agar persiapan yang dilaksanakan oleh Lembaga Penjamin Simpanan diawasi dengan baik oleh Otoritas Jasa Keuangan selaku lembaga yang mempunyai fungsi, tugas, dan wewenang pengawasan terhadap lembaga- lembaga keuangan termasuk perasuransian.

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This thesis discusses the insurance policy guarantee program based on insurance laws and regulations and Law no. 4 of 2023 concerning the Development and Strengthening of the Financial Sector ("P2SK Law") which has provided a new function for underwriting insurance customer policies, which must be implemented by the Deposit Insurance Corporation within a period of 5 (five) years from its promulgation. The problems discussed in this thesis are how the insurance policy guarantee program is regulated in insurance laws and regulations and the P2SK Law and how prepared the Deposit Insurance Agency is to carry out the function of the insurance policy guarantee program as regulated in the P2SK Law. The research method used is juridical-normative using primary and secondary legal materials, with data collection techniques through literature study and interviews with qualitative data analysis. Based on the research results, it was concluded that before the issuance of the P2SK Law, regulations related to policy guarantee programs were only briefly regulated based on Law no. 40 of 2014 concerning Insurance in Article 53 paragraph (1) to paragraph (4), but since the promulgation of the P2SK Law, the regulation of policy guarantee programs has become more complete. Another conclusion is that the Deposit Insurance Corporation has carried out preparations for a policy guarantee program, namely preparing a roadmap containing things that must be implemented with implementation targets divided per year; carry out benchmarking or comparative studies to other countries that have their own policy insurance institutions; draft RPP Policy Guarantee Program, RPLPS concerning Insurance Company Reporting, RPLPS concerning Insurance Policy Guarantee, and RPLPS concerning Liquidation of Insurance Companies to be subsequently issued in early 2024; establishing a group to handle the implementation of the policy guarantee program; make adjustments to the composition of the board of commissioners; and carrying out an employee recruitment program consisting of accepting new graduates and recruiting employees who have a minimum of 5 (five) years of work experience. Suggestions that can be given in this research are that the participation of experts in the insurance sector can be increased internally at the Deposit Insurance Agency through open recruitment so that the implementation of the policy guarantee program is handled by individuals who have good knowledge in the insurance sector. Another suggestion is that the preparations carried out by the Deposit Insurance Agency be properly supervised by the Financial Services Authority as an institution that has functions, duties and supervisory authority over financial institutions including insurance."

"Penelitian ini membahas mengenai pengaruh program penjaminan simpanan (deposit insurance) oleh LPS terhadap disiplin pasar dengan menggunakan data time series dari 120 bank umum selama kurun waktu Januari 2003 sampai dengan Desember 2013. Dengan menggunakan empat variasi yang menjadi variabel terikat berupa tingkat suku bunga deposito 1 bulan/TD, tingkat suku bunga deposito 3 bulan/TD3, tingkat suku bunga deposito rata-rata 1 dan 3 bulan/MRATE, dan Interbank Call Money, serta dengan variabel bebas berupa : (i) variabel risiko bank yang terdiri dari : NPL, LDR, BOPO, ROA, dan CAR; (ii) variabel kontrol yang terdiri dari Growth GDP dan Inflasi; dan (iii) variabel dummy, diperoleh hasil penelitian Kebijakan program penjaminan simpanan LPS yang di-proxy oleh dummy, efektif menekan tingkat bunga pada lag 4 periode. Dengan kata lain, kebijakan LPS pada saat ini membutuhkan masa tenggang waktu yang relatif lama yaitu 4 triwulan untuk dapat berpengaruh pada kedisplinan pasar.

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This research explain about The Impact Analysis of Deposit Insurance Program by The Indonesia Deposit Insurance Corporation to Market Dicipline using the time series data from 120 banks from January 2003 to December 2013. I use Ordinary Least Squares/OLS method with four variations of dependent variables (time deposit rate 1 month, 3 months, average rate in 1 month and 3 months, and interbank call money), as well as the independent variable such as: (i) the bank's risk variables consisting of: NPL, LDR, ROA, ROA, and the CAR Ratios; (ii) the control variables consisting of GDP Growth and Inflation; and (iii) a dummy variable, the result of this research is deposit insurance program by IDIC with proxy by dummy, effectively reduces the interest rate on the lag 4 period. In other words, the policy of IDIC during the grace period requires a relatively long time, that is 4 quarters, to be able to influence the market discipline."

"Sebagai salah satu unsur penting dalam jaring pengaman sistem keuangan khususnya dibidang perbankan, Lembaga Penjamin Simpanan (LPS) memiliki peranan untuk menjaga stabilitas keuangan Indonesia. Krisis ekonomi global pada tahun 2008 mengharuskan LPS meningkatkan Nilai Penjamin Simpanan. Penelitian ini bertujuan untuk mengetahui alasan LPS meningkatkan Nilai Penjamin Simpanan berdasarkan Undang-Undang Nomor 24 Tahun 2004 Tentang Lembaga Penjamin Simpanan sebagaimana telah diubah dengan Undang-Undang No. 7 Tahun 2009 dan peraturan perundang-undangan yang berlaku, menganalisis kemungkinan penurunan Nilai Penjamin Simpanan LPS serta hubungannya dengan penerapan risk-based premium di Indonesia untuk menjaga stabilitas sistem keuangan Indonesia. Penelitian ini merupakan penelitian kepustakaan yang bersifat yuridis-normatif. Data yang dikumpulkan dengan studi kepustakaan. Hasil dari penelitian ini adalah berdasarkan Pasal 11 UU LPS dimungkinkan terjadi penurunan terhadap Nilai Penjamin Simpanan LPS. Berdasarkan alasan peningkatan Nilai Penjamin Simpanan pada tahun 2008, yaitu adanya ancaman krisis ekonomi, UU LPS mengatur apabila alasan tersebut telah teratasi maka besaran Nilai Penjamin Simpanan dapat disesuaikan kembali. Maka berdasarkan hal ini, dimungkinkan untuk menurunkan Nilai Penjamin Simpanan LPS.

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As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage.

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As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage.

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As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage.

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As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage.

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As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage."

"Tesis ini membahas mengenai perlindungan hak pemegang saham publik dalam pengambilalihan Bank Gagal yang berstatus terbuka oleh Lembaga Penjamin Simpanan. Permasalahan yang diangkat dalam penulisan ini ketika Lembaga Penjamin Simpanan memiliki hak untuk mengambil alih segala hak, wewenang, kepemilikan, kepengurusan dari Bank Gagal bermaksud untuk menjual saham pemegang saham publik. Penulisan tesis ini menggunakan metode kepustakaan dengan data sekunder sebagai sumber datanya. Pengambilalihan Bank Gagal oleh Lembaga Penjamin Simpanan berdasarkan penyerahan hak kepemilikan melalui RUPS oleh para pemegang saham yang menyerahkan, serta Penyertaan Modal Sementara yang kemudian dikonversi menjadi saham. Kedua mekanisme tersebut menjadikan Lembaga Penjamin Simpanan sebagai pemegang saham mayoritas, namun tidak dapat menghilangkan pengakuan terhadap kepemilikan pemegang saham publik. Lembaga Penjamin Simpanan tidak memiliki hak untuk menjual saham pemegang saham publik yang tidak dikuasai oleh Lembaga Penjamin Simpanan apabila tidak diserahkan oleh pemilik hak sebagaimana dimaksud dalam teori property rule. Pengambilalihan yang dilakukan oleh Lembaga Penjamin Simpanan bukan bertujuan untuk menguasai Bank, namun untuk melaksanakan perintah Undang-Undang. Ketentuan take over, mewajibkan untuk dilakukan tender offer terhadap sisa saham. Peraturan No. IX.H.1. mengenai ketentuan tender sukarela mengecualikan tender offer terhadap pengambilalihan yang dilakukan berdasarkan perintah Undang-Undang. Ketentuan ini membuktikan pemegang saham publik tetap memiliki hak terhadap saham yang dimilikinya. Mengingat lamanya waktu untuk melakukan revisi terhadap Undang-Undang, maka Lembaga Penjamin Simpanan dapat meminta dilakukan uji materiil ke Mahkamah Konstitusi untuk meminta penjelasan terhadap siapa yang dimaksud dengan pemegang saham dan apa yang dimaksud dengan seluruh saham.

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This thesis describes the protection of public shareholder rights in the takeover process of open-status Failing Bank performed by the Deposit Insurance Corporation. The main focus of this discussion is on the event the Deposit Insurance Corporation posits that it reserves the right to take over all rights, authority, title of ownership and management of the Failing Bank, and generalizes that the liquidation of the stocks includes those belonging to public shareholders. This thesis applies library research method using secondary data as data sources. The handling process of Failing Bank by Deposit Insurance Corporation is performed by surrendering of rights and powers of General Shareholders Meeting in part of the Failing Bank, and provision of temporary capital placement in part of the Deposit Insurance Corporation which is further conversed into shares. The dual mechanisms deems Deposit Insurance Corporation as the major shareholder, however still withstand recognition to the title of ownership of public shareholders. Deposit Insurance Corporation does not reserve the right to sell shares belonging to public shareholders that are not surrendered to the Deposit Insurance Corporation, as described in the theory of Property Rule. The takeover is performed by Deposit Insurance Corporation not for the purpose of acquiring the Bank, but as execution of the Law. The laws governing performance of takeover stipulates that the remaining shares must be disclosed in form of bidding offer or tender offer. Law number IX.H.1. governing voluntary tender excludes tender offer in the event of takeover prescribed by Law. This regulation substantiates that public shareholders reserves rights over their shares. Considering the time taken to conduct revision on the said law, Deposit Insurance Corporation may appeal for judicial review in the Constitutional Court to gain verification as to the reference for shareholder and as to the reference of shares as cited in the law."

"Tesis ini membahas mengenai program penjaminan polis asuransi di Indonesia berdasarkan Undang-Undang Nomor 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan (“UU P2SK”) yang memberikan mandat baru bagi Lembaga Penjamin Simpanan (“LPS”) sebagai Lembaga Penjamin Polis dalam rangka program penjaminan polis. Penelitian ini akan menggali beberapa aspek terkait penjaminan polis sebagai upaya memberikan pelindungan hukum bagi para pemegang polis yang akan efektif pada tahun 2028, dengan membandingkannya dengan penyelenggaraan penjaminan polis di Malaysia dan Singapura. Penelitian ini merupakan penelitian hukum doktrinal. Sumber data yang digunakan untuk menganalisis permasalahan dalam penelitian ini berupa sumber data sekunder yang diperoleh melalui hasil penelaahan kepustakaan dan/atau bahan literatur lainnya yang berkaitan dengan topik penelitian. Hasil dari penelitian ini adalah dalam upaya memberikan pelindungan kepada para pemegang polis, skema penjaminan polis oleh LPS menggunakan metode resolusi Refund Premium dan Payment Claims, Run-off, Likuidasi, dan Bridge Institution terhadap perusaahaan asuransi dan asuransi syariah yang dicabut izin usahanya oleh Otoritas Jasa Keuangan. Selain itu, skema penjaminan polis di Indonesia dapat mengambil inspirasi dari negara tetangga terdekat seperti Malaysia dan Singapura terkait pendanaan lembaga dari iuran awal dan berkala, dasar pengenaan tarif premi berdasarkan risiko, cakupan penjaminan terhadap jenis dan lini usaha perasuransian, nilai maksimal agregat penjaminan, dan lain-lain

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This thesis discusses the insurance guarantee scheme programs in Indonesia based on Law number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (“P2SK Law”) which provides a new mandate for Indonesia Insurance Deposit Corporation (“LPS”) as a Indonesia Insurance Guarantee Schemes in order to organize a insurance guarantee schemes program. This research will explore several aspects related to the insurance guarantee schemes program as an effort to provide legal protection for the policy holders which will be effective in 2028, by comparing with the implementation of insurance guarantee scheme in Malaysia and Singapore. This thesis uses doctrinal legal research methods. The data sources which used to analyze the problems in this research are secondary data sources obtained through literature reviews and/or other literature materials that necesarry. The results of this research are that in an effort to provide protection to policy holders, the insurance guarantee scheme by LPS uses resolution methods such as: Refund Premium and Payment Claims, Run-off, Liquidation and Bridge Institution for insurers and Sharia insurers that its license have been revoked by the Indonesia Financial Services Authority. The insurance guarantee scheme in Indonesia could take inspiration from any nearby countries such as Malaysia and Singapore regarding institutional funding by annual and periodic levies, the calcuation premium rates based on risk, coverage of insurance guarantee scheme, maximum aggregate value of guarantees, and etc."

"Tesis ini membahas pengaruh faktor pemahaman deposan atas sistem syariah dan sistem penjaminan terbatas terhadap keputusan nilai penempatan dana mereka dalam bentuk produk deposito mudharabah di BPRS XYZ. Penelitian ini adalah penelitian kuantitatif dengan menggunakan tehnik analisa logit dan regresi linier majemuk. Hasil yang diperoleh dari penelitian ini, 67% deposan tetap menyimpan melebihi batasan penjaminan dengan dasar kepercayaan terhadap sistem syariah sebagai alasan dasar pengambilan keputusan, dan 32% deposan tetap menempatkan dananya lebih dari Rp 100juta dengan dasar pemahaman mereka yang sempurna tentang aturan sistem penjaminan terbatas. Kondisi fundamental BPRS XYZ yang diwakili dengan variabel bebas cash ratio, profitability ratio, NPF dan FDR akan mempengaruhi pertumbuhan nilai simpanan deposito tanpa jaminan penuh sebesar 71,3%.

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Focus of this research is analyzing the influence Sharia System and Deposit Insurance to depositor?s decision for Mudharaba Deposit?s product (Case BPRS XYZ). The analyses process will be done with logit model and the multilinier regression technique. As the result, 67% depositors keep saving their deposits account for more than 100 million IDR by using their trusts to the sharia system as based reason of the decision process. 32% depositors keep saving their deposits account for more than 100 million IDR by using their knowledge and understanding of insurance deposit system. While fundamental condition of BPRS XYZ which is represented with the independent variable such as cash ratio, profitability ratio, NPF and FDR; will affect the growth of deposits without full insurance in 71,3%."