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All Journal Judiciary ( Jurnal Hukum dan Keadilan ) MIZANUNA: Jurnal Hukum Ekonomi Syariah
Meysa Afriska Dewi
Universitas Nahdlatul Ulama Sunan Giri Bojonegoro

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Effectiveness of Consumer Protection across Public Service Sectors in Indonesia from a Normative Juridical Perspective Meysa Afriska Dewi; Aulia Nur Indah Septiana; Ahmad Fakhrudin
Jurnal Hukum Dan Keadilan Vol. 15 Issue 1 (2026)
Publisher : Fakultas Hukum Universitas Bhayangkara Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55499/judiciary.v15i1.308

Abstract

Public services in Indonesia, covering sectors such as education, health, transportation, and electricity, remain vital to daily life, yet consumers within these sectors continue to face poor service quality, non-transparent tariffs, and weak complaint mechanisms despite the long-standing existence of Law Number 8 of 1999 concerning Consumer Protection. Prior studies have generally examined consumer protection either as a broad legal certainty issue or within a single sector, leaving a gap in cross-sectoral analysis of how consumer protection is actually enforced across the full range of public services regulated under Law Number 25 of 2009. This study aims to identify the main problems consumers face, evaluate the effectiveness of existing regulations across twelve public service sectors, and formulate recommendations for strengthening consumer protection. Using a normative juridical method with statute and conceptual approaches, this study analyzes primary legal materials alongside complaint data from the Ombudsman of the Republic of Indonesia. The findings show that regulatory frameworks are generally adequate in written form, but enforcement effectiveness varies sharply between sectors overseen by a single independent regulator, such as financial services under the Financial Services Authority, and sectors whose oversight is dispersed across local governments, such as education, environment, and clean water, where protracted delays and service denial dominate reported maladministration. The study recommends centralized sectoral oversight, uniform complaint-handling standards, and more explicit compensation provisions for education and health consumers.
DIGITALISASI DAN INOVASI DALAM SISTEM OPERASIONAL LEMBAGA KEUANGAN SYARIAH BMT MEKAH BOJONEGORO: Peluang dan Tantangan Meysa Afriska Dewi; Eko Arief Cahyono; Karomatul Hidayah
J-HES NIDA EL-ADABI: Jurnal Hukum Ekonomi Syariah Vol 3 No 2 (2025): Desember 2025
Publisher : LPPM STAI Nida El-Adabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59166/mizanuna.v3i2.321

Abstract

Digital transformation has become an urgent necessity for Islamic Financial Institutions (LKS), including Baitul Maal wat Tamwil (BMT), in responding to technological developments and the demand for more efficient financial services. This study aims to analyze the implementation of digitalization in the operational system of BMT MEKAH Bojonegoro, identify the strategic opportunities it offers, and explore the challenges encountered during the transformation process. This research employs a qualitative descriptive approach, using data collected through observation, in-depth interviews, and documentation studies. The findings indicate that digitalization, marked by the launch of the BMT MEKAH Barokah mobile application, has successfully enhanced transparency, operational efficiency, and member trust. The innovation in Islamic financing, particularly through murabahah contracts, provides inclusive and Sharia-compliant financial solutions for micro-entrepreneurs. However, challenges such as low digital literacy, regulatory limitations on cooperatives, and uneven infrastructure remain significant obstacles. Therefore, digital transformation at BMT MEKAH presents substantial potential as a means of empowering the ummah’s economy, provided it is supported by appropriate policies, enhanced human resource capacity, and a strong commitment to Sharia values in institutional operations.
Co-Authors Ahmad Fakhrudin Aulia Nur Indah Septiana Eko Arief Cahyono Karomatul Hidayah