TINJAUAN KEGIATAN ASURANSI KREDIT PEMILIKAN RUMAH OLEH LEMBAGA PERBANKAN BERDASARKAN PRINSIP PERSAINGAN USAHA TIDAK SEHAT
Abstract
In running its business in the field of providing Homeownership Credit facilities by Bank Rakyat Indonesia as a banking institution, it is required to cooperate with insurance companies to bear the risks that might arise in the future for the applicant, in this case as KPR applicant customer. Therefore KPR applicant customers are required to use insurance services from Bank Rakyat Indonesia partner insurance companies for the housing for which the credit is requested. Customers should be given the freedom to choose the insurance product they will choose, rather than being required where the customer has no choice to use insurance other than a consortium between PT. Bringin Life and Heksa Eka Life Insurance, which is against Article 15 paragraph 2 of Law Number 5 of 1999 or often referred to as Business Competition Law. BRI, together with its partner insurance companies, have also conspired in determining the insurance company that will become BRI's partner, because this will benefit all three if there are no other insurance companies that become BRI partners. This certainly gives difficulties for other insurance companies that are not BRI's partners to run their business.
Dalam menjalankan usahanya di bidang jasa pemberian fasilitas Kredit Pemilikan Rumah oleh Bank Rakyat Indonesia selaku lembaga perbankan diharuskan untuk bekerjasama dengan perusahaan asuransi guna menanggung resiko yang akan mungkin muncul di kemudian hari pada diri pemohon dalam hal ini selaku nasabah pemohon KPR. Oleh karena itu nasabah pemohon KPR diwajibkan untuk menggunakan jasa asuransi dari perusahaan asuransi rekan Bank Rakyat Indonesia untuk rumah yang diajukan kredit tersebut. Seharusnya nasabah diberikan kebebasan untuk memilih produk asuransi yang akan mereka pilih, bukannya diharuskan di mana nasabah tidak memiliki pilihan untuk menggunakan asuransi selain konsorsium antara PT. Bringin Life dan Heksa Eka Life Insurance, di mana hal tersebut adalah bertentangan terhadap Pasal 15 ayat (2) Undang-Undang Nomor 5 Tahun 1999 atau yang sering disebut dengan Undang-Undang Persaingan Usaha. BRI bersama sama dengan perusahaan asuransi rekanannya juga telah melakukan persekongkolan dalam hal penentuan perusahaan asuransi yang akan menjadi rekanan BRI, karena hal tersebut akan memberikan keuntungkan bagi ketiganya apabila tidak ada perusahaan asuransi lain yang menjadi rekanan BRI. Hal tersebut tentu memberikan kesulitan bagi perusahaan perusahaan asuransi lain yang bukan merupakan rekan dari BRI untuk menjalankan usahanya.
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References
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