RESTRUKTURISASI PERUSAHAAN ASURANSI DALAM PERSFEKTIF KEBIJAKAN RISIKO HUKUM DAN KEPASTIAN HUKUM PERLINDUNGAN KONSUMEN

  • Ardiana Hidayah Universitas Palembang
DOI: https://doi.org/10.36546/solusi.v24i1.1853
Keywords: restructuring; Insurance Companies; legal risk; legal certainty; consumer protection

Abstract

The restructuring of insurance companies is a strategic policy aimed at maintaining financial stability; however, it also entails significant legal risks, particularly in relation to the protection of consumers’ rights. From the perspective of legal certainty, restructuring must be implemented within a clear, transparent, and consumer-oriented regulatory framework. This article examines insurance company restructuring from the perspective of legal risk policy and legal certainty in consumer protection, with a focus on the roles of regulators, insurance companies, and consumers. The analysis indicates that strengthening restructuring policies by the Financial Services Authority through more detailed guidelines, risk-based supervision, and early intervention mechanisms as mandated by Law Number 4 of 2023 on the Development and Strengthening of the Financial Sector is essential for mitigating legal risks. Furthermore, insurance companies are required to integrate legal compliance, transparency, and sound corporate governance principles throughout the restructuring process. Consumers are also expected to enhance their legal and financial literacy in order to actively safeguard their interests. Through the synergy of these three stakeholders, insurance company restructuring can serve as a sustainable recovery instrument while ensuring legal certainty and justice for consumers.

Published
2026-01-01
Issue
Vol 24 No 1 (2026): SOLUSI
Section
Articles
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