[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-id-113":3,"doc-seo-231113-113":53,"doc-detail-231113-id":128},{"code":4,"msg":5,"data":6},0,"success",[7,13,17,21,25,29,33,37,41,45,49],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},55,"Document","Agama & Spiritualitas",60,"religion-spirituality",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":11,"slug":16},48,"Cerita & Novel","story-novel",{"id":18,"doc_module":4,"doc_module_name":9,"category_name":19,"show_sort_weight":11,"slug":20},56,"Gaya Hidup","lifestyle",{"id":22,"doc_module":4,"doc_module_name":9,"category_name":23,"show_sort_weight":11,"slug":24},51,"Komik","comic",{"id":26,"doc_module":4,"doc_module_name":9,"category_name":27,"show_sort_weight":11,"slug":28},53,"Layanan Kesehatan","healthcare",{"id":30,"doc_module":4,"doc_module_name":9,"category_name":31,"show_sort_weight":11,"slug":32},54,"Penelitian & Laporan","research-report",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":11,"slug":36},49,"Sastra","literature",{"id":38,"doc_module":4,"doc_module_name":9,"category_name":39,"show_sort_weight":11,"slug":40},52,"Teknologi","technology",{"id":42,"doc_module":4,"doc_module_name":9,"category_name":43,"show_sort_weight":11,"slug":44},50,"Ujian","exam",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":47,"show_sort_weight":11,"slug":48},57,"Umum","general",{"id":50,"doc_module":4,"doc_module_name":9,"category_name":51,"show_sort_weight":4,"slug":52},181,"Formulir","formulir",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":121,"head_meta":123,"extra_data":125,"updated_unix":127},113,"id","credit-settlement-for-a-deceased-debtor-with-life-insurance-claim-dwi-evanti-andriani","Penyelesaian Kredit dari Debitur yang Meninggal Dunia dengan Klaim Asuransi Jiwa - Dwi Evanti Andriani","","Perjanjian agunan dan asuransi umumnya disertakan dalam perjanjian kredit. Artikel ini mengkaji konsekuensi hukum perjanjian kredit bank apabila debitur meninggal dunia, sekaligus menelaah tanggung jawab pihak asuransi terhadap pelunasan kewajiban debitur yang tersisa. Penelitian normatif dengan pendekatan perundang-undangan dan konseptual menunjukkan bahwa kematian debitur menyebabkan hapusnya kredit sesuai klausul asuransi jiwa dalam polis. Perusahaan asuransi wajib menanggung pembayaran sisa utang menurut syarat dan ketentuan polis.",{"@graph":63,"@context":120},[64,81,103],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,72,75,78],{"item":68,"name":69,"@type":70,"position":71},"https://docshare.wps.com","Home","ListItem",1,{"item":73,"name":9,"@type":70,"position":74},"https://docshare.wps.com/id/document/",2,{"item":76,"name":31,"@type":70,"position":77},"https://docshare.wps.com/id/document/penelitian-laporan/",3,{"item":79,"name":59,"@type":70,"position":80},"https://docshare.wps.com/id/document/credit-settlement-for-a-deceased-debtor-with-life-insurance-claim-dwi-evanti-andriani/231113/",4,{"url":79,"name":59,"@type":82,"image":83,"author":88,"headline":59,"publisher":91,"fileFormat":94,"inLanguage":57,"description":61,"dateModified":95,"datePublished":96,"encodingFormat":94,"isAccessibleForFree":97,"interactionStatistic":98},"DigitalDocument",{"url":84,"@type":85,"width":86,"height":87},"https://docshare.wps.com/thumbnails/credit-settlement-for-a-deceased-debtor-with-life-insurance-claim-dwi-evanti-andriani/231113.png","ImageObject",300,407,{"name":89,"@type":90},"River Wang","Person",{"url":68,"name":92,"@type":93},"DocShare","Organization","application/pdf","2026-10-01","2026-09-10",true,{"@type":99,"interactionType":100,"userInteractionCount":102},"InteractionCounter",{"@type":101},"ViewAction",8,{"@type":104,"mainEntity":105},"FAQPage",[106,112,116],{"name":107,"@type":108,"acceptedAnswer":109},"Apa tujuan artikel ini membahas sengketa saat debitur meninggal dunia?","Question",{"text":110,"@type":111},"Artikel ini bertujuan mengkaji konsekuensi hukum perjanjian kredit bank jika debitur meninggal serta tanggung jawab pihak asuransi terhadap perjanjian tersebut.","Answer",{"name":113,"@type":108,"acceptedAnswer":114},"Apa yang terjadi pada perjanjian kredit ketika debitur meninggal dunia?",{"text":115,"@type":111},"Penelitian menyatakan bahwa hukum perjanjian kredit dapat menghapus kredit karena klausul asuransi jiwa/life insurance dalam perjanjian dan polis.",{"name":117,"@type":108,"acceptedAnswer":118},"Siapa yang wajib melunasi sisa utang dan berdasarkan apa?",{"text":119,"@type":111},"Pihak asuransi wajib bertanggung jawab melunasi sisa hutang debitur yang meninggal sesuai syarat dan ketentuan yang tercantum dalam polis.","https://schema.org",{"og:url":79,"og:type":122,"og:title":59,"og:site_name":92,"og:description":61},"article",{"robots":124,"canonical":79},"index,follow",{"doc_id":126,"site_id":56},231113,1789059514,{"code":4,"msg":5,"data":129},{"doc_id":126,"user_id":130,"nickname":89,"user_avatar":131,"doc_module":4,"category_id":30,"category_name":31,"doc_title":59,"doc_description":61,"doc_content":132,"file_id":133,"file_url":134,"file_type":135,"file_size":136,"view_count":102,"is_deleted":4,"is_public":71,"is_downloadable":71,"audit_status":71,"page_count":137,"language":138,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":139,"faqs":140,"seo_title":141,"seo_description":61,"update_tm":127,"read_time":142},1099514067438,"https://ap-avatar.wpscdn.com/avatar/100002539ee87300030?x-image-process=image/resize,m_fixed,w_180,h_180&k=1780474512215547542","| \u003Cbr>DOI: [https://doi.org/10.31933/unesrev.v6i2](https://doi.org/10.31933/unesrev.v6i2) |\n| --- |\n| Received: 2 Januari 2024, Revised: 8 Januari 2024, Publish: 19 Januari 2024\u003Cbr>[https://creativecommons.org/licenses/by/4.0/](https://creativecommons.org/licenses/by/4.0/) |\n| Penyelesaian Kredit dari Debitur Yang Meninggal Dunia Dengan Klaim Asuransi Jiwa\u003Cbr>Dwi Evanti Andriani1, Hardian Iskandar2.\u003Cbr>1 Universitas Muhammadiyah Gresik, Gresik, Indonesia Email: [dwievanti_200901](dwievanti_200901@umg.ac.id)[@umg.ac.id](dwievanti_200901@umg.ac.id)\u003Cbr>2 Universitas Muhammadiyah Gresik, Gresik, Indonesia [Email:](Email: hariskan@umg.ac.id)[ ](Email: hariskan@umg.ac.id)[hariskan](Email: hariskan@umg.ac.id)[@umg.ac.id](Email: hariskan@umg.ac.id)\u003Cbr>Corresponding Author: [dwievanti_200901](dwievanti_200901@umg.ac.id1)[@umg.ac.id](dwievanti_200901@umg.ac.id1)[1](dwievanti_200901@umg.ac.id1)\u003Cbr>Abstract: Collateral and insurance agreements are usually included with credit agreements. Banks can use this insurance agreement to transfer risk, especially life insurance if the debtor dies. If the debtor dies before paying off the remaining credit, the credit can also fall to his heirs. The purpose of this article is to study the legal consequences of a Bank Credit Agreement if the Debtor Dies and the Insurance Party's responsibilities regarding the Bank Credit Agreement if the Debtor Dies. This normative research uses a statutory and conceptual approach. The research results show that if the debtor dies, the credit agreement law cancels the credit because of the life insurance or life insurance clause. In other words, the insurance company must be responsible for paying off the remaining debt of the deceased debtor in accordance with the terms and conditions stated in the policy. In conclusion, the parties must understand the contents of the credit agreement well so that they know how to pay the debtor's remaining debt if this risk occurs.\u003Cbr>Keyword: Bank Credit Agreement, Debtor Dies, Insurance Responsibility |\n| Abstrak: Perjanjian agunan dan asuransi biasanya disertakan dengan perjanjian kredit. Bank dapat menggunakan perjanjian asuransi ini untuk mengalihkan risiko, terutama asuransi jiwa jika debitur meninggal dunia. Jika debitur meninggal dunia sebelum melunasi sisa kredit, kredit juga dapat jatuh kepada ahli warisnya. Tujuan dari artikel ini adalah untuk mempelajari konsekuensi hukum dari Perjanjian Kredit Bank jika Debitur Meninggal Dunia dan tanggung jawab Pihak Asuransi terhadap Perjanjian Kredit Bank jika Debitur Meninggal Dunia. Penelitian normatif ini menggunakan pendekatan perundang-undangan dan konseptual. Hasil penelitian menunjukkan bahwa jika debitur meninggal dunia, hukum perjanjian kredit menghapus kredit karena adanya klausula asuransi jiwa atau asuransi jiwa. Dengan kata lain, pihak asuransi harus bertanggung jawab untuk melunasi sisa hutang debitur yang meninggal sesuai dengan syarat dan ketentuan yang tercantum dalam polis. Kesimpulannya, para pihak harus memahami dengan baik isi perjanjian kredit agar mereka tahu bagaimana membayar sisa hutang debitur jika terjadi risiko tersebut.\u003Cbr>Kata Kunci: Perjanjian Pinjaman Bank, Kematian Debitur, Tanggung Jawab |\n\nPENDAHULUAN  \nSeiring perkembangan zaman tidak bisa kita pungkiri banyak sekali manusia yang memerlukan banyak biaya untuk bertahan hidup, maka dari itu banyak akhirnya yang memilih untuk melakukan pinjaman terhadap suatu bank yang kemudian terjadilah sebuah perjanjian, maka dapat dijelaskan bahwa Kontrak ini diharapkan berjalan baik, adil dan proporsional, sesuai kesepakatan para pihak, sebagai sarana mengatur pertukaran hak dankewajiban. Hal ini terutama berlaku dalam kontrak komersial. “Perjanjian dalam arti luasdidefinisikan dalam Pasal 1313 KUH Perdata, yang menyatakan bahwa perjanjian adalah suatu perbuatan yang dengannya satu orang atau lebih mengikat satu atau lebih orang lain”Dalam arti yang lebih sempit, perjanjian adalah suatu perjanjian yang didalamn","cbCaiaDAGf3lk4uC","https://ap.wps.com/l/cbCaiaDAGf3lk4uC","pdf",427546,9,"Indonesian","# Pendahuluan\n## Latar belakang kebutuhan pinjaman dan fungsi bank\n## Konsep perjanjian kredit dan kontrak baku","[{\"question\":\"Apa tujuan artikel ini membahas sengketa saat debitur meninggal dunia?\",\"answer\":\"Artikel ini bertujuan mengkaji konsekuensi hukum perjanjian kredit bank jika debitur meninggal serta tanggung jawab pihak asuransi terhadap perjanjian tersebut.\"},{\"question\":\"Apa yang terjadi pada perjanjian kredit ketika debitur meninggal dunia?\",\"answer\":\"Penelitian menyatakan bahwa hukum perjanjian kredit dapat menghapus kredit karena klausul asuransi jiwa/life insurance dalam perjanjian dan polis.\"},{\"question\":\"Siapa yang wajib melunasi sisa utang dan berdasarkan apa?\",\"answer\":\"Pihak asuransi wajib bertanggung jawab melunasi sisa hutang debitur yang meninggal sesuai syarat dan ketentuan yang tercantum dalam polis.\"}]","Penyelesaian Kredit dari Debitur yang Meninggal Dunia dengan Klaim Asuransi Jiwa - Dwi Evanti Andriani | PDF",14]