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"Skripsi ini membahas mengenai adanya dugaan pelanggaran tying agreement dan penyalahgunaan posisi dominan yang dilakukan oleh PT. Telekomunikasi Indonesia, Tbk. Telkom pada produk IndiHome berdasarkan putusan KPPU No. 10/KPPU-I/2016. Adanya dugaan praktik anti persaingan tersebut ditenggarai dengan adanya perjanjian berupa formulir berlangganan triple play IndiHome yang diduga memaksa konsumen untuk berlangganan triple play IndiHome sehingga konsumen tidak memiliki pilihan lain dan wajib untuk menggunakan ketiga layanan sekaligus. Selain itu Telkom sebagai market leader dengan presentase 99 pangsa pasar atas jasa layanan telepon tetap di Indonesia diduga berpotensi melakukan penyalahgunaan posisi dominan yang mengakibatkan persaingan usaha tidak sehat. Pokok permasalahan dalam skripsi ini adalah untuk membahas apakah penjualan yang dilakukan oleh Telkom pada produk IndiHome secara bundling diperbolehkan UU No. 5 Tahun 1999 dan apakah tindakan yang dilakukan oleh Telkom pada produk IndiHome dapat dikatakan sebagai praktek tying agreement menurut hukum persaingan usaha. Penulisan skripsi ini merupakan penelitian yuridis-normatif menggunakan data primer dan sekunder. Hasil penulisan skripsi ini menunjukkan bahwa penjualan triple play IndiHome yang dilakukan Telkom merupakan mixed bundling dan saat ini dikenal sebagai technological tying sehingga hal tersebut tidak melanggar UU No. 5 Tahun 1999.

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In this research, the author brings an issue about alleged violation of tying agreement and abuse of dominant position which done by PT. Telekomunikasi Indonesia Tbk. Telkom on IndiHome product based on The KPPU Verdict No. 10 KPPU I 2016. This presumption about anti competition practice caused by an agreement form of IndiHome triple play subscription which allegedly force customers to subscribe triple play IndiHome and to use all three services at once, without giving any options. Beside that, as a market leader fixed line services with 99 market share in Indonesia, Telkom is potentially misusing its dominant position which will interrupt the healthy competition in the industry.

The core issue in author's research is to discuss whether sales efforts on IndiHome product undertaken by Telkom in bundling strategy is legal or not according to Monopoly Law Number 5 1999 and whether the actions taken by Telkom on IndiHome product can be regarded as the practice of tying agreement according to business competition law. This is juridical normative research using primary and secondary data.

The result of author's research shows that triple play Indihome selling efforts done by Telkom is one example of mixed bundling practice and known as technological tying nowadays, so that it does not break the rule of Monopoly Law Number 5 1999."

"Skripsi ini membahas mengenai dugaan praktik Tying Agreement dan Vertical Agreement on Discount yang dilakukan oleh PT. AHM terkait dengan perjanjian eksklusif antara PT. AHM dengan Main Dealer dan/atau bengkel AHASS. Dugaan bentuk pelanggaran berupa Tying Agreement terdiri atas dua bentuk pengikatan, yaitu kewajiban bagi calon pemilik bengkel AHASS untuk membeli strategic tools yang disediakan oleh PT. AHM pada saat pertama kali membuka bengkel AHASS dan kewajiban bagi pemilik bengkel AHASS untuk hanya menjual suku cadang (termasuk pelumas) asli PT. AHM. Sedangkan dugaan bentuk pelanggaran berupa Vertical Agreement on Discount yaitu kebijakan pemberian insentif berupa potongan harga bagi bengkel AHASS atas pembelian pelumas AHM Oil pada Main Dealer jika bengkel AHASS tersebut hanya menjual pelumas AHM Oil dan/atau tidak menjual pelumas merek lain. Penelitian ini menggunakan metode yuridis normatif dengan menggunakan pendekatan analisis data kualitatif. Hasil penelitian menunjukkan bahwa berdasarkan keterangan para saksi, para ahli, dan terlapor, PT. AHM tidak terbukti melakukan Tying Agreement dan Vertical Agreement on Discount sebagaimana diatur dalam Pasal 15 ayat (2) dan (3) UU Persaingan Usaha.

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This thesis discusses about the alleged practice of Tying Agreement and Vertical Agreement on Discount conducted by PT. AHM regarding to the exclusive agreement between PT. AHM with the Main Dealer and/or the AHASS workshop. The alleged violation of a tying agreement consists of two forms of binding. First, the obligation for the prospective AHASS workshop owner to purchase strategic tools that provided by PT. AHM and the second form is the obligation for the AHASS workshop owner to only sell genuine spare parts (including lubricants) by PT. AHM. Meanwhile, the alleged violation of a Vertical Agreement on Discount is the provisions of providing incentives in the form of discounted prices for AHASS workshops for the purchase of AHM Oil lubricants at the Main Dealer if the AHASS workshops only sell AHM Oil lubricants and/or does not sell other brands of lubricants. This research uses a normative juridical method using a qualitative data analysis approach. The results showed that based on the statements of the witnesses, experts and reported parties, PT. AHM is not proven guilty of performing Tying Agreement and Vertical Agreement on Discount as regulated in Article 15 verse (2) and (3) of the Monopoly Law 5/1999"

"Dalam pasal 15 ayat 2 Undang-Undang Nomor 5 Tahun 1999 bahwa perjanjian berikat (tying agreement) pada dasarnya bersifat per se illegal sehingga apabila dilihat adanya suatu tying agreement maka tanpa dibuktikan lebih lanjut serta dipetimbangan dampak maupun akibatnya maka tying agreement tersebut dikatakan telah melanggar hukum persaingan usaha. Dalam penelitian ini akan dilihat apakah hal tersebut sudah sesuai dengan hukum persaingan usaha melalui studi kasus putusan nomor 01/Pdt/KPPU/2015/PN,Jkt.Utr. Selain itu dalam penelitian ini akan diteliti apakah seseorang yang tidak mendengar/mengalami/melihat suatu peristiwa sendiri (saksi non fakta) dapat dijadikan sebagai alat bukti keterangan saksi (witness testimony) dalam pemeriksaan hukum persaingan usaha.

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In article 15 paragraph 2 of the Law number. 5 year 1999 that the tying agreement basically are per se illegal so that when viewed the presence of a tying agreement then without further evidenced as well as to consider impact or as a result of such agreement tying the then said to have violated the competition law effort.

In this study it will be seen whether it is in compliance with the law through the business case study competition court decision number 01/Pdt/KPPU/2015/PN. Jkt. Utr. Therefore, in this study examined whether a person who is not an event listen/feel/see directly itself (witness the non facts) can serve as evidence of witnesses to testimony in the examination of competition law effort."

"Penelitian ini membahas pengaturan hukum persaingan usaha mengenai tying agreement dan Penguasaan Pasar dengan melakukan analisis terhadap Putusan Pengadilan Negeri Jakarta Utara No. 01/PDT.KPPU/2013/PN.JKT.UT. Penelitian ini bersifat yuridis normatif dengan metode pengolahan dan analisis data yang menggunakan pendekatan kualitaif. Dalam UU No. 5 Tahun 1999 digolongkan bahwa tying agreement merupakan salah satu dari Perjanjian Yang Dilarang sedangkan Penguasaan Pasar merupakan salah satu dari Kegiatan Yang Dilarang. Kedua pasal tersebut berbeda dan dapat berdiri sendiri, maka penting bagi lembaga penegak hukum persaingan usaha untuk menjabarkan lagi mengenai tying agreement dan Penguasaan Pasar demi terciptanya praktik persaingan usaha yang sehat di Indonesia.

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This research studies law regulation in competition law about tying agreement and market controlling by analyzing North Jakarta District Court's Verdict No. 01/PDT.KPPU/2013/PN.JKT.UT. This research is juridicial normative with qualitative method and analysis. In Law No. 5 Year 1999, tying agreement is classified as one of Prohibited Contracts, while Market Controlling is classified as one of Banned Activities. Both articles are different from each other and independent, so that it is important for competition law enforcement institution to elaborate more about tying agreement and market controlling for a fair business competition in Indonesia."

"Salah satu perjanjian yang dilarang karena dapat menimbulkan persaingan tidak sehat adalah tying agreement. Dikarenakan ada tying agreement yang menimbulkan dampak positif, maka tidak seluruh tying agreement otomatis melanggar hukum persaingan usaha. Skripsi ini membahas mengenai tying agreement khususnya dalam Putusan KPPU No. 07/KPPU-I/2013, dimana KPPU menyatakan Perjanjian Sewa Ruangan dan Konsesi Usaha antara PT. Angkasa Pura II dengan tenant-nya termasuk ke dalam tying agreement yang dilarang. Penulis menggunakan metode penelitian yuridis normatif dengan jenis data sekunder berdasarkan penelusuran kepustakaan, ditunjang dengan data primer melalui wawancara. Berdasarkan analisis diperoleh kesimpulan bahwa Perjanjian Sewa Ruangan dan Konsesi Usaha termasuk tying agreement yang dilarang dan bahwa beberapa hal dalam Putusan KPPU No. 07/KPPU-I/2013 belum sesuai dengan hukum persaingan usaha yang berlaku.

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One of the agreements prohibited in Antitrust Law because it can lead to unfair competition is tying agreement. Because there are tying agreements that have positive impacts, therefore not all tying agreements will automatically violate Antitrust Law. This thesis discusses tying agreement, particularly in the Commission's Decision No. 07/KPPU-I/2013, where the Commission stated that Lease and Business Concession Agreement between PT. Angkasa Pura II with its tenants is a prohibited tying agreement. The author used the method of normative juridical research with secondary data based on literature searches, supported by primary data through interviews. Based on the analysis it was concluded that the Lease and Business Consession Agreement was a prohibited tying agreement and that some parts of the Commission's Decision No. 07/KPPU-I/2013 were not in accordance with the applicable Antitrust Law."

"Dalam skripsi ini dibahas tentang pembatalan putusan KPPU oleh Pengadilan Negeri Jakarta Pusat yang menyatakan bahwa PT. Bank Rakyat Indonesia tidak terbukti melanggar pasal 15 ayat (2) dan 19 huruf a Undang-Undang No. 5 Tahun 1999 dalam melakukan kerjasama bancassurance bersama perusahaan asuransi rekanan dalam penyediaan produk Kredit Pemilikan Rumah. Dalam pertimbangan hukumnya Majelis Hakim Pengadilan Negeri Jakarta Pusat menyatakan bahwa perjanjian kerjasama yang dilakukan PT. BRI dan perusahaan asuransi rekanannya merupakan pewujudan pelaksanaan prinsip kehati-hatian dan manajemen risiko bank sebagaimana diatur dalam UU Perbankan dan PBI Manajemen Risiko Bank, sehingga termasuk kedalam Pasal 50 huruf a yang dikecualikan dari Undang-Undang ini. Terhadap permasalahan diatas dilakukan penelitian dengan menggunakan metode yuridis normatif.Hasil penelitian menujukan bahwa kerjasama yang dilakukan para pelaku usaha termasuk ke dalam tying agreement, namun dengan menggunakan pendekatan rule of reason kerjasama tersebut tidak terbukti menyebabkan persaingan usaha tidak sehat dan tidak termasuk ke dalam kegiatan/perjanjian yang bertujuan melaksanakan peraturan perundang-undangan sebagaimana ketentuan Pasal 50 huruf a Undang- Undang No. 5 Tahun 1999.

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This thesis discussed about the cancellation of decision of KPPU by the Central Jakarta District Court which stated that PT. Bank Rakyat Indonesia in not proven to have violated Article 15 paragraph (2) and 19 a on Law Number 5 of 1999 in coorperation with the partner insurance companies (bancassurance) in supplying product home loan agreement. The judges declared that the agreement made by PT. BRI and its partner insurance companies is the realization of the implementation of the precautionary principle and bank?s risk management as stipulated in the Banking Law and PBI Risk Management Bank, so belongs to Article 50 a that excluded from this law. Based on above problems, do reasearch using normative juridicial method.

Results of research addressing that coorperation that made by the business actors classified into tying agreement, but by using rule of reason such coorperation is not proven to cause unfair competition and is not classified inte the activities/agreements aimed at implementating the legislation as Article 50 a of Law Number. 5 1999."

"ABSTRACTIndonesian administration so far has produced several decentralization policies contained the principles of federal anangcments: Acts No. 2/I999 concerning Local Administration, and two specific autonomy regulation i.e. Acts No. l8r2001 conceming Specific Autonomy for Nanggroe Aceh Darussalam (Aceh Province) and Acts No. 2l/th 2001 concerning Specific Autonomy for Papua Province. Those regulations hold some federal arrangements principles which in turn raised opinions about lndonesia`s shift from unitary state (Negara Kesatuan Republik Indonesia) to federal administration system. Judicially, as well as empirically, such decentralization policies which led to federal system have influenced the implementation of State Function as mandated by the 1945 Constitution.This research hold several purposes. First, to explain reasons behind decentralization policies as implied on Acts No. 22/1999 and Acts No. 32/2004 which led to federal system administration. Second, to untold the influence of decentralization policies over state function based on unitary state , administration as experienced by The Republic of Indonesia not-radays. Third, to formulate efforts in order to adjust such decentralization policies supporting state functions as mandated by 1945 Constitution.As normative law research, the researcher examinated literature material consisted of primary law material, i.e regulation about local administration; secondary law "aterial, i.e. literature related with governance: and tertiary law material, i.e. dictionary and encyclopedia of law. This research employed theory of law state as grand theory, power segregation theory as middle range theory and decentralization theory as applied theory. To support the analysis, reviews about administration on several unitary state and federal state was added. Content analysis was conducted to attain details concerning decentralization which led to federal arrangements implied on regulations concerning local administration. Such analysis also worked to describe Local Administration policies according to the development history of constitutuion.There are several conclusions following research and findings. First, there are two reasons that lie beneath decentralization policies as implied on Acts No. 2/1999 and Acts No. 32/2004 which in turn led to Federal System: (a) to maintain the entirety of Indonesia as unitary state (Negara Kesatuan Republik Indonesia): and (b) to implement equality in development for nation`s wealth. Second, decentralization policies which led to federal administration system have resulted on both positive and negative consequences. Positive result comes from democracy uprising in governmental practices, meanwhile the negative one was Constitution mismatched in several affairs. Third, in order to keep decentralization policies successfully supporting state function as mandated by 1945 Constitution, one must arrange immediately implementation regulation derived from Acts No. 32/2004 by prioritize articles which potentially bring about various interpretations and vaguely understood by many parties.

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AbstractIndonesian administration so far has produced several decentralization policies contained the principles of federal anangcments: Acts No. 2/I999 concerning Local Administration, and two specific autonomy regulation i.e. Acts No. l8r2001 conceming Specific Autonomy for Nanggroe Aceh Darussalam (Aceh Province) and Acts No. 2l/th 2001 concerning Specific Autonomy for Papua Province. Those regulations hold some federal arrangements principles which in turn raised opinions about lndonesia`s shift from unitary state (Negara Kesatuan Republik Indonesia) to federal administration system. Judicially, as well as empirically, such decentralization policies which led to federal system have influenced the implementation of State Function as mandated by the 1945 Constitution.This research hold several purposes. First, to explain reasons behind decentralization policies as implied on Acts No. 22/1999 and Acts No. 32/2004 which led to federal system administration. Second, to untold the influence of decentralization policies over state function based on unitary state , administration as experienced by The Republic of Indonesia not-radays. Third, to formulate efforts in order to adjust such decentralization policies supporting state functions as mandated by 1945 Constitution.As normative law research, the researcher examinated literature material consisted of primary law material, i.e regulation about local administration; secondary law "aterial, i.e. literature related with governance: and tertiary law material, i.e. dictionary and encyclopedia of law. This research employed theory of law state as grand theory, power segregation theory as middle range theory and decentralization theory as applied theory. To support the analysis, reviews about administration on several unitary state and federal state was added. Content analysis was conducted to attain details concerning decentralization which led to federal arrangements implied on regulations concerning local administration. Such analysis also worked to describe Local Administration policies according to the development history of constitutuion.There are several conclusions following research and findings. First, there are two reasons that lie beneath decentralization policies as implied on Acts No. 2/1999 and Acts No. 32/2004 which in turn led to Federal System: (a) to maintain the entirety of Indonesia as unitary state (Negara Kesatuan Republik Indonesia): and (b) to implement equality in development for nation`s wealth. Second, decentralization policies which led to federal administration system have resulted on both positive and negative consequences. Positive result comes from democracy uprising in governmental practices, meanwhile the negative one was Constitution mismatched in several affairs. Third, in order to keep decentralization policies successfully supporting state function as mandated by 1945 Constitution, one must arrange immediately implementation regulation derived from Acts No. 32/2004 by prioritize articles which potentially bring about various interpretations and vaguely understood by many parties."

"ABSTRAK"Makin majunya cars-cars pelaksanaan konstruksi dewasa ini menyebabkan makin perlunya menerapkan prinsip-prinsip manajemen yang baik di dalam mencapai sasaran-sasaran kegiatan pelaksanaan pekerjaan di suatu proyek.Hal ini terutazr+a disebabkarn oleh waktu yang tersedia untuk mencapai hasil karya yang diminta mempengaruhi banyak hal, terutama biaya yang dipergunakan untuk penanaman modal pembangunan suatu proyek, sehingga orang rnulai menghargai waktu sebagai suatu dimensi yang sangat penting. Dengan demikian, maka basil produksi optimal dengan mute yang mememdii persyaratan teknis dalam waktu yang minimal merupakan suatu tuntutan yang wajar.Biaya dan tenaga kei ja merupakan sumber days yang akan mengalami banyak peiubahan bila dilakukan percapatan waktu pelaksanaan proyek, untuk itu perlu mendapatkan perhatian yang optimal dan continue, agar tertaksananya pelaksanaan percepatan itu sendiri akan mcngltasilkan keuntungan, balk dari segi waktu maupun biaya.Studi tentang Pengaruh Percepatan PeIaksanaan Proyek Terhadap Biaya dan Pengaturan Tenaga Ketja ini, disajikan supaya berbagai pihak dapat melihat faktor-faktor yang mempengaruhi pelaksanaan percepatan, untuk dapat mengambil tindakan dan analisa yang tepat, guna mengambil keuntungan dari pelaksanaan percepatan tersebut.Studi yang dipakai adalah dengan cars menganalisis setial) kegiatan yang terdapat dalaln diagram CPM, tenutama kegiatan-kegiatan yang melalui jalur kritis. Sumber-sumber daya yang digunakan sebelbm dilaksanakan percepatan dan setelah melakukannya harus dianalisis dengan lepat agar dapat mencapai sasaran yang diinginkan dengan benar dan tidak ter adi pemborosan pemakaian sumber days, karena dengan pelaksanaan percepatan sumber-cumber daya tersebut akan meningkat kebutuliannya, sehubungan dengan bertambalinya kegiatan yang hares diselesaikan. Dari hasiI studi yang dilaksanakan didapatkan hash bahwa waktu inempunyai zulai tersendiri dari seluruli anggaran proyek, sehingga percepatan waktu pelaksanaan proyek secara tepat dapat memberikan keuntungan tersendid, terutama keuntungan dalam lial waktu dan biaya.Hal lain yang perlu diperha"",an adalah pada saat percepatan pengatvran tenaga kerja harus dilakukan dengan baik sehingga jumlali tenaga kerja yang meningkat akibat adanya percepatan, akan meghasilkan basil pekerjaan yang seimbanglmeningkat kuantitasnya dan dengan jumlah tenaga yang lebih banyak pula, harus diperhatikan faktor K3 (Keselamatan dan Kesehatan Kerja), sehingga pelaksanaan pekerjaan di proyek tersebut tidak akan terjadi hal-lial yang merugikan, contohnya: terjadinya kecelakaan di proyek, lingkungan kerja yang lidak sehat dan sebagainya.Dari contoh Proyek Pembangunan Gedung Direktorat Jenderal Bea dan Cukai, dapat dilihat bahiva pengaruh yang timbul dengan adanya percepatan selama 4 bulan adalah terjadinya peningkatan biaya sebesar Rp. 142 J'uta pada saat dilaksanakannya percepatan. Tetapi nilai pengeluaran proyek secara keseluruhan bila dijuHali di akhir masa penyelesaian proyek itu sendiri, terdapat penghematan biaya, baik bagi pemilik proyek yaitu Rp. 5.438.000.000,- ataupun bagi kontraktor pelaksana yaitu Rp. 7.486.000.000,- Hal ini disebabkan karena bila tidak dilaksanakannya percepatan, maka proyek akan mundur selama 4 bulan, yang berarti dana yang kits tanamkan pada proyek tersebut akan rnembengkak sebagai akibat dari berjalannya fungsi waktu sebagai pengaruh dari berlakunya suku bunga bank yang ada."

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"Persaingan usaha di Indonesia, yang pada pokoknya diatur dalam Undang-Undang No. 5 Tahun 1999 mengenai Larangan Praktek Monopoli dan Persaingan Usaha Tidak Sehat, secara garis besar dibuat untuk memberikan kejelasan hukum dan perlindungan yang sama rata kepada seluruh pelaku usaha dalam menjalankan usaha dengan membatasi terjadinya monopoli dan/atau persaingan usaha tidak sehat. Salah satu bentuk praktik usaha yang dilarang dalam UU tersebut adalah penyalahgunaan posisi dominan dan melakukan perjanjian tertutup, dimana perwujudan dari adanya perjanjian tertutup dapat berupa perjanjian mengikat (Tying Agreement). Dalam skripsi ini, penulis akan membahas mengenai dugaan pelanggaran UU Nomor 5 Tahun 1999 ketentuan pasal 15 ayat 2 mengenai tying agreement yang dilakukan oleh PT Pupuk Kalimantan Timur Tbk (Terlapor) terkait dengan pelaksanaan penyaluran pupuk bersubsidi dan pemasaran pupuk non-subsidi. Dugaan tersebut didasari dengan ditemukannya Perjanjian Jual Beli Pupuk Bersubsidi yang memuat klausul tambahan dimana distributor diharuskan membeli produk lain (pupuk non-subsidi) dari pihak Terlapor. Pokok permasalahan dalam skripsi ini adalah untuk membahas apakah perjanjian yang dilakukan oleh PT Pupuk Kalimantan Timur Tbk dapat dikatakan sebagai praktek tying agreement menurut hukum persaingan usaha, dan apa langkah yang kemudian dapat dilakukan oleh pihak Terlapor atas kasus tersebut. Hasil penulisan skripsi ini menunjukkan bahwa PT Pupuk Kalimantan Timur Tbk terbukti memenuhi unsur pelanggaran tying agreement dan  melanggar UU No. 5 Tahun 1999.

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Business competition in Indonesia, regulated under Law No. 5 of 1999 concerning the Prohibition of Monopolistic Practices and Unfair Business Competition, was created to give legal clarity and equal protection to all business actors in conducting business by limiting the establishment of monopolies and/or unfair business competition. One condition of an unfair business practice prohibited by the law is the abuse of the dominant position and entering into closed agreements, where the embodiment of closed agreements can be in the form of tying agreements. In this thesis, the author will discuss the alleged violation of Law Number 5 Year 1999 provisions of article 15 paragraph 2 regarding the tying agreement by PT Pupuk Kalimantan Timur Tbk (Reported Party) related to the distribution of subsidized fertilizers and the marketing of non-subsidized fertilizers. This alleged violation was based on the discovery of the Sale and Purchase Agreement of Subsidized Fertilizer, which contained an additional clause in which the distributor was required to purchase another product (non-subsidized fertilizer) from the Reported Party. The issues addressed in this thesis are whether or not the PT Pupuk Kalimantan Timur Tbk agreement is classified as a tying agreement according to business competition law and what actions can be taken by the Reported Party according to this case. The results of writing this thesis show that PT Pupuk Kalimantan Timur Tbk has fulfilled all of the tying agreement elements, thus violating Law no. 5 Year 1999."

"Skripsi ini membahas mengenai praktik tying agreement yang terdapat pada perjanjian kredit bank dalam memasarkan syarat keberadaan produk asuransi. Praktik tying agreement pada perjanjian kredit bank dapat dikatakan terjadi jika pihak bank meniadakan asas kebebasan memilih perusahaan asuransi, sebagaimana lebih lanjut diatur dalam SEOJK No. 32/SEOJK. 05/2016, selain juga diatur pada SEOJK No. 33/SEOJK.03/2016. Hasil penelitian ini menyatakan bahwa meskipun suatu perjanjian kredit bank mempraktikkan tying agreement dalam memasarkan persyaratan keberadaan produk asuransi, penegak hukum, dalam hal ini KPPU ataupun Pengadilan di tingkat Banding dan Kasasi seyogyianya menerapkan pendekatan rule of reason.

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This thesis discusses the practice of tying agreement contained in bank credit accord in marketing of the requirement of existence of insurance product. The practice of tying agreement on bank credit accord can be said to occur if the bank negates the principle of choice of insurance company, as further stipulated in SEOJK No. 32 SEOJK. 05 2016, as well set on SEOJK No. 33 SEOJK. 03 2016.

The result of this research reveals although the bank credit accord practicing tying agreement in marketing the requirement of the existence of insurance product, law enforcers, which in this case KPPU or Court at appeal level and Cassation should apply the approach of rule of reason. "