Morning coffee | MANAGEMENT : After going through tough negotiations, finally the Chairman of Bank Sumut Syariah Pematangsiantar City granted the request for payment of life insurance claims in full submitted by Rotua Juliany Manurung, Thursday (26/08/2021) at approximately 12.00 WIB on Jl. Sudirman Block A No. 5-6.
To note, Rotua Juliany Manurung is the heir to the late. Peltu TNI Juri Harjuna Purba, former member of Denpom I/1 Pematangsiantar.
Peltu TNI Juri Harjuna Purba, former Member of Denpom I/ is a debtor or customer in a mortgage financing agreement at Bank Sumut Syariah Pematangsiantar Branch who died of illness on March 18, 2021, at around 04.00 WIB in the morning.
Representing the leadership of the Bank Sumut Syariah Pematangsiantar Branch, Ilham officially handed over a number of letters or documents to Rotua Juliany Manurung as the heir of the late. Jury Harjuna Purba, in the form of a letter from Bank Sumut Syariah Pematangsiantar Branch Number: 326/KCSy05-LAP/L/2021, dated August 26, 2021 Subject: Statement of Financing Settlement of KPR Agreement No. 129/KCSy05-LAP/MRB/REST/2020 dated 18 Sept 2014 (Original).
Then the letter from the leadership of the North Sumatra Sharia Bank Pematangsiantar Branch Number: 325/KCSy05-LAP/L/2021 dated August 26, 2021 Subject: Approval for the Elimination of Roya’s Mortgage (Original), then Certificate of Mortgage No. 375/2015 an. Mortgage Holders PT. Bank Sumut Syariah Pematangsiantar Branch, with mortgage object in the form of SHM No. 90/Sejahtera, an. Jury Harjuna Purba, then Certificate of Ownership No. 90/Sejahtera, an. Jury Harjuna Purba (Original), and finally the Deed of Granting Mortgage, No. 29/2015, dated February 6, 2015, made by PPAT Heriani, SH, M.Kn, the address is Jalan Asahan Km. 4 Number : 78, Kab. Simalungun.
The submission of the letter also indicated that the leadership of the Bank Sumut Syariah Branch Pematangsiantar accommodated the demands of the late heirs. Jury Harjuna Purba for payment of life insurance claims in full 100% by freeing the heirs from the payment of the principal difference of Rp. 67,680,753, – and the rest minus the margin (interest) of Rp. 69,668,497.
Therefore, there is a problem between Rotua Juliany Manurung as the heir of the late. Jury Harjuna Purba with Bank Sumut Syariah Pematangsiantar Branch regarding the Mortgage Financing Agreement for Bank Sumut Syariah Pematangsiantar House with the Heirs of the deceased. Jury harjuna Purba, Number : 006/KCSy5-APP/MRB-KPR/2014, dated September 18, 2014, amounting to Rp230,000,000, was declared completed and completed.
Previously, it was stated by Daulat Sihombing, SH, MH, as Rotua Juliany Manurung’s attorney, that the payment of life insurance claims was late. Jury Harjuna Purba had a problem, because Bank Sumut Syariah Pematangsiantar Branch confirmed to his client that from the Basic Debit of Rp. 181,511.130.- insurance claim is only calculated at Rp. 113.830.395.- so the difference in principal debt is Rp. 67,680,735.- and the remaining margin is reduced by Rp. 69,668,497,- total Rp. 137,349,232.- borne by the heirs.
The reason is the bank, because since the 28th installment (January 2017) the customer is in arrears up to the 44th installment (May 2018) for 17 months, which is then followed by 2 restructuring of installments of Rp. 3,354,584, – per month to Rp. 1.000.000,- per month.
However, Daulat Sihombing disagreed with the leadership of the North Sumatran Islamic Bank Pematangsiantar.
According to him, referring to the Griya Bank Pematangsiantar Syariah mortgage agreement with the deceased. Jury Harjuna Purba, Number: 006/KCSy5-APP/MRB-KPR/2014, dated 18 September 2014, then Article 1 of the Indonesian Sharia Financing Protection Insurance Policy, Regulation of the Minister of Finance of the Republic of Indonesia No. 124/ PMK.010/2008 Year 2008 concerning Implementation of Credit Insurance and Suretyship Business Lines, PA Kreasi Insurance Policy Schedule, May 10, 2021, and Law no. 40 of 2014 concerning Insurance, there is no reason whatsoever to reduce the benefits of the insured life insurance.
According to the Sovereign, after the insured or debtor dies, all obligations related to the agreement terminate by law.
“On that basis, there is no reason for Bank Sumut Syariah Pematangsiantar Branch to impose payment obligations to the deceased’s heirs. Jury Harjuna Purba,” said Daulat Sihombing. ***
Editors : Nelson Pakpahan.