Luthfia Nurhaliza Wirawan
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.
Consumer Protection against Imported Cosmetic Products that Have Not Been Certified by The Indonesian Food and Drug Authority on Tokopedia Platform Luthfia Nurhaliza Wirawan; Moh. Indra Bangsawan; Bambang Sukoco; Muhammad Safrizal; R Rahmawani; R Ramadani
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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Abstract

E-commerce platforms in Indonesia have made it easier for consumers to access various products through an application, including imported cosmetic products. However, many imported cosmetic products that have not been certified by the Indonesian Food and Drug Authority (BPOM) continue to circulate on the Tokopedia platform, posing a risk to consumers. This research aims to find out: 1) Regulations governing the circulation of imported cosmetics in Indonesia, and 2) Consumer protection against illegal cosmetic products on Tokopedia. This research uses a normative juridical method with a qualitative approach that focuses on analyzing laws and regulations and case studies. The data used consists of primary data, namely Law No. 8 of 1999 on Consumer Protection, Law No. 11 of 2008 in conjunction with Law No. 1 of 2024 on Electronic Information and Transactions, and Regulation of the Indonesian Food and Drug Authority No. 12 of 2023 on the Supervision of the Manufacture and Distribution of Cosmetics, while secondary data includes journals and cases related to cosmetics without Indonesian Food and Drug Authority certification on e-commerce platforms. Data collection is done through literature study and legal document analysis. Furthermore, the data was analyzed using descriptive qualitative analysis method to interpret the regulations and literature study. The results show that although regulations related to consumer protection and electronic commerce already exist, their implementation still faces various obstacles. Consumers have the right to obtain safe and legal products, but supervision of products in e-commerce is still weak. Tokopedia as a marketplace organizer has a role in filtering products that are traded, but it has not been fully effective in suppressing the circulation of illegal imported cosmetics. Therefore, it is necessary to strengthen regulations, increase supervision, and the active role of e-commerce platforms in maintaining consumer safety.