?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=TINJAUAN+YURIDIS+HUBUNGAN+HUKUM+DALAM+ASURANSI+KEBAKARAN+TERHADAP+OBYEK+AGUNAN+PADA+PERJANJIAN+KREDIT+PT+BANK+MANDIRI+(PERSERO)+TBK&rft.creator=MARIA+CLARATORUAN+KRISTIE%2C+1413032009&rft.subject=KZ+Law+of+Nations&rft.description=PT+Bank+Mandiri+(Persero)+Tbk+mengatur+dalam+perjanjian+kreditnya+bahwa+bagi+calon+nasabah+debitur+kredit+wajib+untuk+menyerahkan+barang+agunan+sebagai+jaminan+pelunasan+utang.+Tanah+dan+bangunan+merupakan+barang+jaminan+bernilai+tinggi+dan+stabil+yang+memiliki+risiko+kerusakan+akibat+terjadinya+kebakaran.+Berdasarkan+hal+tersebut%2C+PT+Bank+Mandiri+(Persero)+Tbk+mengambil+langkah+untuk+melakukan+kerjasama+(bancassurance)+dengan+PT+Asuransi+Bringin+Sejahtera+Artamakmur+untuk+mengalihkan+risiko+kebakaran+dan+mewajibkan+debitur+untuk+mengasuransikan+barang+agunannya.+Penelitian+ini+bertujuan+untuk+menganalisis+hubungan+hukum+antara+bank%2C+debitur+dan+perusahaan+asuransi+serta+tanggung+jawab+perusahaan+asuransi+terhadap+risiko+yang+terjadi.%0D%0AJenis+penelitian+yang+digunakan+dalam+penelitian+ini+adalah+penelitian+hukum+normatif+dengan+jenis+penelitian+deskriptif.+Jenis+pendekatan+masalah+dalam+penelitian+ini+adalah+yuridis+normatif.+Data+yang+digunakan+dalam+penelitian+ini+adalah+data+sekunder+yang+terdiri+dari+bahan+hukum+primer%2C+bahan+hukum+sekunder+dan+bahan+hukum+tersier+yang+kemudian+dianalisis+secara+kualitatif.%0D%0AHasil+penelitian+dan+pembahasan+menunjukkan+bahwa+terjadinya+hubungan+hukum+antara+pihak+bank%2C+nasabah+dan+perusahaan+asuransi+akibat+perlunya+pihak+lain+untuk+memenuhi+kebutuhannya.+Hubungan+hukum+tersebut+menyebabkan+lahirnya+kewajiban+dan+hak+masing-masing+pihak+yang+dituangkan+dalam+perjanjian+kredit%2C+perjanjian+kerjasama+dan+perjanjian+asuransi.+Pada+perjanjian+kredit+dan+perjanjian+asuransi+tersebut+sebenarnya+tidak+secara+jelas+dan+tegas+mengatur+mengenai+kewajiban+dan+hak+masing-masing+pihak+sehingga+dapat+mengakibatkan+keragu-raguan+untuk+menafsirkannya.+Namun+dalam+perjanjian+kredit+mengatur+bahwa+debitur+akan+menerima+fasilitas+kredit+apabila+telah+menandatangani+perjanjian+dan+menyerahkan+persyaratan+permohonan+kredit+yakni+menyerahkan+barang+agunan+dan+mengasuransikannya+pada+perusahaan+asuransi+rekanan+bank.+PT+Bank+Mandiri+(Persero)+Tbk+dalam+hal+mengalihkan+risiko+terhadap+barang+agunan+bekerjasama+dengan+PT+Asuransi+Bringin+SejahteraArtamakmur+berkewajiban+sebagai+perantara+pemasaran+produk+asuransi+kepada+debitur.+Sedangkan%2C+pendaftaran+dan+pembayaran+premi+merupakan+kewajiban+dari+debitur+sebagai+pemilik+barang+agunan.+Apabila++dalam+proses+kredit+terjadi+risiko+kebakaran+pada+barang+agunan%2C+maka+PT+Asuransi+Bringin+Sejahtera+Artamakmur+akan+bertanggung+jawab+untuk+memberikan+kompensasi+penuh+kepada+debitur+tanpa+membebani+pihak+dari+PT+Bank+Mandiri+(Persero)+Tbk.%0D%0AKata+Kunci%3A%09Asuransi+Kebakaran%2C+Agunan+Kredit%2C+Bancassurance%0D%0A%0D%0A%0D%0AJURIDICIAL+REVIEW+OF+LEGAL+RELATION+REGARDING+FIRE+INSURANCE+AGAINST+COLLATERAL+OBJECT+ON+CREDIT+AGREEMENT+OF+PT+BANK+MANDIRI+(PERSERO)+TBK%0D%0A%0D%0APT+Bank+Mandiri+(Persero)+Tbk+requires+the+prospective+borrowers+of+creditors+to+submit+collateral+as+collateral+for+debt+repayment.+Land+and+buildings+are+high-value+and+stable+security+goods+that+have+a+risk+of+damage+caused+by+fire.+Based+on+this%2C+PT+Bank+Mandiri+(Persero)+Tbk+is+taking+steps+to+engage+in+bancassurance+with+PT+Asuransi+Bringin+Sejahtera+Artamakmur+to+transfer+the+risk+of+fire+and+require+the+debtor+to+ensure+its+collateral.+This+study+aims+to+analyze+the+legal+relationship+between+banks%2C+debtors+and+insurance+companies+and+the+responsibility+of+insurance+companies+against+the+risks+that+occur.%0D%0AThe+type+of+research+used+in+this+research+is+normative+legal+research+with+descriptive+research+type.+The+type+of+problem+approach+in+this+research+is+normative+juridical.+The+data+used+in+this+research+is+secondary+data+consisting+of+primary+law+material%2C+secondary+law+material+and+tertiary+law+material+which+then+analyzed+qualitatively.%0D%0AThe+results+of+the+research+and+discussion+show+that+there+is+a+legal+relationship+between+the+bank%2C+customers+and+insurance+companies+due+to+the+need+for+other+parties+to+fulfill+their+needs.+The+legal+relationship+causes+the+birth+of+obligations+and+rights+of+each+party+as+outlined+in+a+credit+agreement%2C+cooperation+agreement+and+insurance+agreement.+In+the+credit+agreement+and+the+insurance+agreement+actually+does+not+clearly+and+expressly+regulate+the+obligations+and+rights+of+each+party+so+that+it+can+lead+to+doubt+to+interpret+it.+However%2C+in+the+credit+agreement%2C+it+is+stipulated+that+the+debtor+will+receive+a+credit+facility+if+he+has+signed+an+agreement+and+submits+a+credit+application+requirement%2C+which+is+to+deliver+collateral+items+and+insure+them+against+the+bank's+insurance+company.+PT+Bank+Mandiri+(Persero)+Tbk+in+terms+of+transferring+risks+to+collateral+goods+in+collaboration+with+PT+Asuransi+Bringin+Sejahtera+Artmakmur+is+obliged+to+be+an+intermediary+for+marketing+insurance+products+to+debtors.+Meanwhile%2C+registration+and+payment+of+premiums+is+an+obligation+of+the+debtor+as+collateral+owner.+If+in+the+credit+process+there+is+a+risk+of+fire+on+collateral+items%2C+then+PT+Asuransi+Bringin+Sejahtera+Artamakmur+will+be+responsible+for+providing+full+compensation+to+the+debtor+without+burdening+the+parties+from+PT+Bank+Mandiri+(Persero)+Tbk.%0D%0AKeywords+%3A+Fire+Insurance%2C+Credit+Collateral%2C+Bancassurance&rft.publisher=FAKULTAS+HUKUM&rft.date=2018-08-24&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F33300%2F1%2FABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F33300%2F2%2FSKRIPSI%2520FULL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F33300%2F3%2FSKRIPSI%2520TANPA%2520BAB%2520PEMBAHASAN.pdf&rft.identifier=++MARIA+CLARATORUAN+KRISTIE%2C+1413032009++(2018)+TINJAUAN+YURIDIS+HUBUNGAN+HUKUM+DALAM+ASURANSI+KEBAKARAN+TERHADAP+OBYEK+AGUNAN+PADA+PERJANJIAN+KREDIT+PT+BANK+MANDIRI+(PERSERO)+TBK.++FAKULTAS+HUKUM%2C+UNIVERSITAS+LAMPUNG.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F33300%2F