Eva Nurjannah, S.H. (2022) Urgensi Klausul Asuransi Sebagai Pengalihan Risiko Kematian dalam Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi (LPMUBTI). Thesis thesis, UNIVERSITAS AIRLANGGA,.

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Abstract

Information Technology-Based Lending and Borrowing Services is a financial service provider to bring together lenders and loan recipients to enter into lending and borrowing agreements using rupiah through an electronic system. information Technology-Based Lending and Borrowing Services is a new type of financing and is one of the most appropriate, easy, and fast means to borrow money, so it is possible to cause various kinds of risks, one of which is the death of the borrower when the borrowing period has not ended, therefore, there is a need for security and strict regulation by making protection which is certainly based on the agreement of the parties, such as providing insurance clauses. This research is legal research that uses a statutory approach and a conceptual approach. This thesis discusses the risks in information technology-based lending and borrowing service agreements, this thesis also discusses the position of insurance as a transfer of risk of death in information technology-based lending and borrowing service agreements. The results of this study state that an insurance clause is a form of risk transfer in the event of the death of the borrower when the borrowing period has not ended. Therefore, it is expected to provide a fortress of protection in the form of an insurance clause as a transfer of the risk of death in a clear and detailed manner in the information technology-based lending and borrowing service agreement.

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