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All Journal Proceeding International Conference Restructuring and Transforming Law
Wida Daning Mulia
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.
Legal Protection against BRI's Quick Response Code Indonesian Standard (QRIS) Transactions in Micro, Small, and Medium Enterprises in Kartasura District Wida Daning Mulia; Moh. Indra Bangsawan
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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Quick Response Code Indonesian Standard (QRIS) is a digital payment system implemented by Bank Indonesia to unite various QR Code-based payment service providers in one national standard. This research aims to find out: 1) QRIS transaction regulations in Indonesia, and 2) Legal protection of Bank Rakyat Indonesia (BRI) QRIS transactions in Micro, Small, and Medium Enterprises (MSMEs) in Kartasura District. This research uses a normative juridical approach with a case study conducted to obtain an overview of how the regulation is applied in practice, especially in the use of BRI QRIS by Micro, Small and Medium Enterprises in Kartasura. The results showed that the regulation of QRIS transactions in Indonesia has a strong legal basis, especially with the existence of Bank Indonesia Regulation (PBI) No. 22/20/PBI/2020 concerning Payment Service Providers, Electronic Information and Transactions Law (ITE Law), and Consumer Protection Law. BRI QRIS transactions in Kartasura Micro, Small and Medium Enterprises are quite helpful for business actors in making faster and more efficient transactions. However, there are still some problems that are often faced, such as potential fraud through QR Code forgery, system disruptions, and limited access to dispute resolution mechanisms. Therefore, synergy is needed between regulators, banks, and Micro, Small and Medium Enterprises to ensure that the implementation of QRIS can run optimally, safely, and provide maximum benefits for all parties involved.
Co-Authors Luthfia Nurhaliza Wirawan Moh. Indra Bangsawan Najla Adizahra Vanya Lakhsitta Az Zahra