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All Journal Proceeding International Conference Restructuring and Transforming Law
Vanya Lakhsitta Az Zahra
Universitas Muhammadiyah Surakarta

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Legal Protection for Consumers of Life Insurance: A Review of Consumer Protection Laws Vanya Lakhsitta Az Zahra; Wida Daning Mulia; Luthfia Nurhaliza Wirawan; Najla Adizahra
Proceeding International Conference Restructuring and Transforming Law Vol. 3 No. 1 (2024): Proceeding International Conference Restructuring and Transforming Law
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

This article investigates the legal protection afforded to consumers within the context of life insurance, focusing on the Consumer Protection Act. The review aims to analyze the mechanisms of protection available to life insurance consumers and identify the challenges and opportunities encountered in implementing this legislation. This study employs a descriptive-analytical approach by examining various legal provisions related to consumer rights and obligations, as well as the responsibilities of life insurance providers. The findings provide insights into the effectiveness of consumer protection regulations in safeguarding consumer interests in life insurance transactions and identify areas where further improvements are needed within the consumer legal protection system. This research may serve as a valuable resource for legal practitioners, regulators, and other life insurance stakeholders in strengthening consumer protection and enhancing fairness in consumer-provider relationships.
Effectiveness of Business Licensing Laws for Micro, Small, and Medium Food Stalls in Mojosongo Urban Village Vanya Lakhsitta Az Zahra; Nunik Nurhayati
Proceeding International Conference Restructuring and Transforming Law Vol. 4 No. 1 (2025): Proceeding International Conference Restructuring and Transforming Law
Publisher : Universitas Muhammadiyah Surakarta

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Micro, Small and Medium Enterprises (MSMEs) is a business sector that has a strategic role in the Indonesian economy. This research aims to find out: 1) Overview of MSME Business Licensing in Food Stalls in Mojosongo Urban Village, and 2) Legal Effectiveness of Risk-Based Business Licensing of Food Stalls in Mojosongo Urban Village. This research uses a juridical-empirical approach by combining analysis of legal regulations and direct interviews with MSME actors in Mojosongo Urabn Village. This research uses Lawrence M. Friedman’s theory of legal effectiveness to analyze the effectiveness of risk-based licensing laws specifically on Micro, Small and Medium Enterprises food stall, which have not previously been the focus of research in the context of the Mojosongo Urban Village area. The results show that Micro, Small and Medium Enterprises food stall in Mojosongo still face administrative constraints, lack of understanding of new regulations, and suboptimal institutional support. The legal effectiveness of risk-based licensing in this area is hampered by structural factors and a community legal culture that is not yet conducive. Risk-based licensing for Micro, Small and Medium Enterprises food stall in Mojosongo has not been fully effective. Increased socialization, simplification of administrative procedures, and strengthening the role of government in supporting Micro, Small and Medium Enterprise actors to achieve legal compliance are needed.
Co-Authors Luthfia Nurhaliza Wirawan Najla Adizahra Wida Daning Mulia