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The Importance of Consumer Protection in the Insurance Sector in Indonesia Jeki Saroha Tamba; Martono Anggusti; Ria Juliana Siregar
International Journal of Law, Crime and Justice Vol. 2 No. 3 (2025): September : International Journal of Law, Crime and Justice
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijlcj.v2i3.774

Abstract

Consumer protection plays a crucial role in the insurance industry due to the complex, long-term, and trust-based nature of insurance products. Consumers are often in a vulnerable position because of limited access to information and a lack of understanding of policy terms, which increases the risk of losses, especially during claim settlement processes. This study aims to analyze the factors that influence the importance of consumer protection in Indonesia’s insurance sector and to examine the role of the Financial Services Authority (OJK) as the regulatory and supervisory body in financial services. The findings indicate that low financial literacy, information asymmetry, and the dominance of standard contracts are key factors that underscore the need for consumer protection. Meanwhile, OJK plays a strategic role through regulation, supervision, dispute resolution, and financial education for consumers. This study concludes that the effectiveness of consumer protection in the insurance sector depends largely on the synergy between strong regulations, consistent supervision, and improved public awareness of consumer rights.
Kontribusi Advokat dalam Urgensi Pelaksanaan Mediasi dalam Perkara Pidana Aritonang, Topan Billers; Anggusti, Martono; Panjaitan, Yosua Tahyudi
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 7, No 2 (2024): Journal of Education, Humaniora and Social Sciences (JEHSS), November
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v7i2.2421

Abstract

The active role of advocates in peace efforts is stated in the Indonesian Advocate Code of Ethics (KEAI). This is the role that the author wants to emphasize in the contribution of advocates in the urgency of implementing mediation in criminal cases. With the active involvement of advocates, the peace process which previously only took place in the mediation room can now expand outside the mediation room, through interactions carried out by each legal representative. This article uses normative and qualitative juridical research methods on previous data about lawyers, as well as the results of observations and insights obtained by the author while carrying out internship activities at a law office. The results of this research found that the role of advocates is also important as a catalyst for peace between victims and perpetrators of criminal acts. Advocates act as mediators whose aim is to reach an agreement on compensation for the victim as well as an apology from the perpetrator to the victim as well as a form of accountability from the perpetrator to the victim. If there is peace through agreed mediation, the legal process can be stopped if the reporter (victim) has withdrawn his report to the police (article 75 of the Criminal Code). Ordinary offenses cannot stop the court process. However, in practice, if this occurs during the court process, the agreement between the perpetrator and the victim or the defendant and the victim witness will be a consideration for the judge in mitigating when handing down a decision.
PERTANGGUNGJAWABAN PIDANA OLEH KURATOR ATAS PENGHILANGAN ATAU PENYEMBUNYIAN BARANG PAILIT Fx. Rocky Corrado Sitepu, Rocky; Martono Anggusti, Martono
Judge : Jurnal Hukum Vol. 6 No. 04 (2025): Judge : Jurnal Hukum
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/judge.v6i04.1768

Abstract

Maraknya pelanggaran yang dilakukan oleh kurator dalam, pemberasan harta pailit yang menimbulkan pertanyaan dikalangan masyarakat sejauh mana pertanggung jawaban pidana yang diberikan kepada kurator dalam menjalankan tugas dan tanggung jawabnya. Sebagai dasar analisis, penelitian ini menyoroti Melalui Keputusan Mahkamah Agung Nomor 277 K/Pid/2024, dilakukan analisis terhadap peran dan kewajiban kurator dalam pengelolaan serta penyelesaian aset pailit. Penelithan yang bertujuan untuk menganalisis bagaimana sebenarnya penerapan pemidanaan kepada para kurator yang berbuat pelanggaran dalam pengurusan dan pemberesan harta pailit serta bagaimana proses pengembaliannya kepada para kreditur dan juga debitur. Dalam upaya menghimpun dan mengintegrasikan seluruh data, penulis menerapkan metode yuridis normatif dengan pendekatan perundang-undangan serta pendekatan konseptual. Dalam hasil penelitian menunjukkan bahwa pelangaran yang dilakukan oleh kurator dapat menimbulkan tanggung jawab pidana apabila terbukti adanya unsur kesengajaan yang mengakubatkan kerugian dalam pengurusan harta pailit. Penerapan pemidanaan ini dapat menjadi jalan keluar agar para kurator dalam menyelesaikan tugas pengurusannya dapat berjalan dengan baik tanpa adanya penyimpangan pada saat menjalankan tugas dan tanggung jawabnya.
ANALISIS YURIDIS TERHADAP PUTUSAN BADAN PENYELESAIAN SENGKETA KONSUMEN (BPSK) DALAM PENYELESAIAN SENGKETA KONSUMEN (Studi Putusan Nomor 006/SPut/IX/2025/BPSK.Mdn) Rahmat Tri Andika Debataraja, Rahmat; Martono Anggusti , Martono
Judge : Jurnal Hukum Vol. 6 No. 04 (2025): Judge : Jurnal Hukum
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/judge.v6i04.1783

Abstract

Consumer disputes hold significant importance in Indonesia due to the large number of business actors, which necessitates the establishment of the Consumer Dispute Settlement Agency (BPSK) as stipulated in Law Number 8 of 1999 on Consumer Protection. This study examines the relevant legal provisions and their alignment with the BPSK Decision No. 006/SPut/IX/2025/BPSK.Mdn, covering both fundamental regulations and consumer protection aspects. Using a normative juridical approach and referring to primary, secondary, and tertiary legal materials, the research findings indicate that BPSK operates in accordance with existing legal frameworks and upholds the principles of justice, legal certainty, and balance between consumers and business actors. Consequently, the implementation of the law and its decisions are consistent with the foundational principles of the Consumer Dispute Settlement Agency.
ASEAN’s Migrant Rights Policy Dilemma and Deadlock on Migrant Worker Protection Agusmidah, Agusmidah; Martono Anggusti; Fithriatus Shalihah; Rajali H. Aji; Abdulrahman Sama-Alee
Journal of Human Rights, Culture and Legal System Vol. 5 No. 3 (2025): Journal of Human Rights, Culture and Legal System
Publisher : Lembaga Contrarius Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53955/jhcls.v5i3.581

Abstract

Remittances generated by migrant workers, particularly those from Indonesia, play a significant role in supporting the economic stability of households and national economies. However, the magnitude of these contributions contrasts sharply with the limited legal and social protection available to migrant workers. This research examines the key factors underlying the persistent impasse in migrant worker protection policies within ASEAN and explores potential strategies for improvement through a comparative assessment of the European Union experience. Using normative juridical methods that combine conceptual, regulatory, and comparative analyses, the study evaluates ASEAN legal instruments and compares them with the European Union framework for protecting migrant workers. The analysis identifies three main causes of policy stagnation in ASEAN. First, the region lacks binding obligations that require member states to adopt uniform minimum standards. Second, existing enforcement mechanisms are weak and do not ensure consistent implementation. Third, member states resist the establishment of supranational authority, limiting opportunities for stronger regional governance. Despite these challenges, functional adaptation through the selective adoption of European Union practices offers viable options, including harmonizing minimum standards, establishing regional complaint procedures, and facilitating the portability of social rights. The research concludes that a gradual and priority based approach, especially for high risk sectors, can enhance migrant worker protection while remaining consistent with the principles of the ASEAN Way.
The application of intellectual property rights to the processing of haminjon resin into perfume products Sagala, Wilson; Anggusti, Martono
Priviet Social Sciences Journal Vol. 5 No. 11 (2025): November 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v5i11.1001

Abstract

This article discusses the application of Intellectual Property Rights (IPR), especially patent protection, to the results of processing haminjon sap into perfume products as a form of innovation based on local wisdom. Haminjon sap, a non-timber forest product typical of North Sumatra, has high economic potential if processed into value-added products, such as perfume. However, the protection of this innovation still faces various legal and practical obstacles. Based on Law Number 13 of 2016 concerning Patents, every invention that meets the elements of novelty, inventive steps, and can be applied in industry is entitled to legal protection. However, the implementation of this protection in the small business sector is still limited due to low IPR literacy, minimal access to information, and relatively high patent registration costs for small businesses. This condition causes many small business actors to not understand the importance of exclusive rights to their inventions, thereby risking losing ownership rights and the economic value of the results of their innovations. Therefore, efforts are needed to increase legal awareness, technical assistance, and affirmative policies from the government to facilitate access to patent protection for local products such as perfume made from haminjon sap, so that they can compete sustainably in the national and international markets.
ANALISIS HUKUM BISNIS TERHADAP UNDANG-UNDANG CIPTA KERJA DALAM INDUSTRI KELAPA SAWIT (Sengketa Perizinan Pasca Implementasi OSS-RBA) Olyhabana Situmorang; Martono Anggusti; Jinner Sidauruk
Jurnal Syntax Transformation Vol 6 No 8 (2025): Jurnal Syntax Transformation
Publisher : CV. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jst.v6i8.1104

Abstract

The palm oil industry is a strategic sector for the Indonesian economy, but in practice it often faces various problems, particularly related to licensing, which triggers conflicts. In response, the government passed the Job Creation Law, which introduced the Online Single Submission Risk-Based Approach (OSS-RBA) system to simplify regulations and accelerate the licensing process. This study aims to conduct a legal business analysis of the implementation of the Job Creation Law and its impact on licensing disputes in the palm oil industry following the implementation of OSS-RBA. Using a legal research approach, the analysis focuses on the gap between legal norms and their implementation in practice. The results of the study show that although the OSS-RBA is normatively intended to provide legal certainty and efficiency, in reality, the implementation of this system has actually led to new licensing disputes. The main problems identified include a lack of data synchronization between the central and regional governments, inadequate facilities and infrastructure, and insufficient human resources. Furthermore, this system is considered to weaken environmental control instruments and minimize public participation, as evidenced in cases where the participation of indigenous peoples is merely symbolic. This creates a gap between the administrative legitimacy obtained through the system and the socio-legal reality in the field. It is concluded that the effectiveness of the Job Creation Law in resolving disputes is highly dependent on strong implementation support. Therefore, comprehensive institutional reform is needed, including strengthening data interoperability across agencies, establishing a unified oversight body, and harmonizing central-regional regulations. This reform must be grounded in the spirit of achieving substantial justice that balances economic rights with social and environmental responsibilities, not merely procedural efficiency.
ANALISIS HUKUM TERHADAP PERAN DAN REGULASI PARALEGAL DALAM PERLINDUNGAN HAK MASYARAKAT ADAT DI INDONESIA Collin Powel Hutabarat, Collin Powel Hutabarat; Martono Anggusti, Martono Anggusti
Judge : Jurnal Hukum Vol. 6 No. 06 (2026): Judge : Jurnal Hukum
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/judge.v6i06.1816

Abstract

This study examines whether paralegal efforts are effective in defending and protecting the human rights of indigenous communities, including their rights to land, natural resources, and cultural identity as recognised by national and international law. This study also examines how the livelihoods of these indigenous communities are preserved from generation to generation, ensuring their survival, through clear regulations guaranteeing customary land ownership, or decrees (SK) recognised by the government. Once a region obtains a decision, either at the district or provincial level, it will receive clear legal certainty regarding customary land ownership. Paralegals play a crucial role as a bridge between indigenous communities and the formal legal system, particularly in advocacy, legal assistance, and raising awareness of community rights. This study aims to analyse the forms of efforts and regulations that govern the role of paralegals in protecting the rights of indigenous communities. The research method used is a judicial normative approach with a regulatory approach and qualitative analysis of various regulations. Therefore, strengthening regulations and policies is necessary to expand the strategic role of paralegals in ensuring effective and sustainable protection of the rights of indigenous peoples.
Analysis of Legal Protection for Buyers in the Transfer of Apartment Unit Rights Prior to the Signing of the Deed of Sale and Purchase Veronika Waruwu; Martono Anggusti; Samuel F. B. Situmorang
Al-Risalah VOLUME 26 NO 1, MAY (2026)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-risalah.vi.66108

Abstract

The increasing demand for housing in urban areas has encouraged the development of apartment buildings as an alternative solution to meet residential needs. In practice, transactions for the sale and purchase of apartment units are often conducted before the completion of construction through a Sale and Purchase Binding Agreement (Perjanjian Pengikatan Jual Beli/PPJB), which raises legal issues related to ownership certainty and legal protection for buyers. This study aims to analyze the legal regulations governing ownership and the transfer of rights to apartment units, as well as to assess the binding force of the PPJB as an instrument of legal protection for buyers prior to the execution of the Deed of Sale and Purchase (Akta Jual Beli/AJB). This research employs a normative legal research method using a statutory approach and a conceptual approach. The analysis is conducted qualitatively on primary, secondary, and tertiary legal materials. The results indicate that legal ownership of apartment units arises juridically only after the fulfillment of legal requirements, including the completion of construction, the separation of apartment units, the execution of the Deed of Sale and Purchase before a Land Deed Official, and the issuance of a certificate in the buyer’s name. The PPJB merely creates a personal legal relationship and therefore does not transfer proprietary rights to the buyer. Consequently, in cases where the developer defaults or becomes bankrupt, buyers who only hold a PPJB are positioned as concurrent creditors and do not possess preferential rights over the bankruptcy estate. These findings demonstrate the limitations of legal protection for apartment buyers at the pre-AJB stage, highlighting the need for stronger regulatory measures to ensure legal certainty and consumer protection in apartment transactions.
Transfer Pricing as an Instrument of Tax Avoidance in Multinational Corporations: Challenges in Law Enforcement and the Implementation of the Arm’s Length Principle in Indonesia Sagala, Wilson; Anggusti, Martono; Sihotang, Januari
Al-Risalah VOLUME 26 NO 1, MAY (2026)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-risalah.vi.66298

Abstract

The development of economic globalization has encouraged increased activity of multinational companies operating across jurisdictions, thus opening up opportunities for tax avoidance practices through transfer pricing mechanisms. This practice is often used to move profits from countries with high tax rates to countries with lower tax rates, which in the end can reduce state revenues and lead to injustice in the tax system. This research aims to analyze the legal enforcement mechanism for tax avoidance practices through transfer pricing in multinational companies based on Minister of Finance Regulation Number 172 of 2023 and identify the juridical obstacles faced by the Directorate GeneralTax in its application.The research method used is normative juridical legal research with a qualitative approach through literature study of statutory regulations, legal literature and related documents. The research results show that law enforcement against transfer pricing practices in Indonesia is carried out through administrative mechanisms which include the stages of monitoring at-risk taxpayers, examining transfer pricing, determining fiscal corrections, issuing Tax Assessment Letters, as well asdispute resolution through objections and appeals to the Tax Court.Even though regulations have been updated through PMK Number 172 of 2023 by adopting the arm's length principle in accordance with international standards, its implementation still faces legal obstacles such as limitations in harmonization of domestic regulations with international standards and structural complexitymultinational company.Therefore, it is necessary to strengthen regulations and institutional capacity to increase the effectiveness of supervision and enforcement of transfer pricing laws in Indonesia.
Co-Authors Abdulrahman Sama-alee Adira Sitanggang Agusmidah Agusmidah Alex Denischael Berutu Alex Denischael Berutu Aritonang, Topan Billers Ayu Margareth R. Sitinjak Binsar Manogu Tua Budiman N.P.D Sinaga Butar, Edgar Butar Canryfay Elisabet Lumban Gaol Chansrakaeo, Ruetaitip Chindy Afrilia Christina N.M Tobing Collin Powel Hutabarat, Collin Powel Hutabarat Cyntia Vebrina Simamora Daniel Fransisco Rossi Daniel Sitohang Debora Debora Debora Debora Tambunan Debora Tambunan Debora, Debora Devi Panggabean, Azra Sri Dina Mayasari Sinaga Dwi Natalia Martama Hutabarat Esther, July Fithriatus Shalihah Fitri Yanni Dewi Siregar Fx. Rocky Corrado Sitepu, Rocky Ginting, Ekel Tuahta Gultom , Meli Hertati Gultom, Jeges Imanuelita Gultom, Meli Hertati Haposan Siallagan Haryono, Fadillah Herlina Manullang hisar sitohang Hutabarat, Dwi Natali M Hutabarat, Dwi Natalia Martama Hutagalung, Jordy William Hutauruk, Rahel inro Sitindaon Intan Mayasari Hutabarat Irfandy H Simanungkalit Janpatar Simamora Januari Sihotang, Januari Jeki Saroha Tamba Jinner Sidauruk Jinner Sidauruk Johansen E.H.Hasugian Jordy William Hutagalung Joyce Vania Sarumaha Juita Manalu July Esther July Esther Krisdian Rizki Havana Ndraha Lesson Sihotang Lesson Sitohang Lingga, Ebenni Lista Ade Sumiati Bondar Lumbantoruan, Abram Andriano Samapta Manalu, Juita Mantoma Tawanda Daeli Manurung, Gydeon Irmawan Manurung, Oktavia Manurung, Rosa Marbun, Putra Hasian Marnipera Ngerika Sihombing Masni Purba Mayca, Ofelica Ruth Meli Hertati Gultom Mokosoina Ntuacademy Monalisa Marta Siahaan Nababan, Roida Nainggolan, Doni Fernando Natal Frantomas Nababan Ndraha, Krisdian Rizki Havana Nelson Manalu Nola Putra E. C Simanungkalit Olyhabana Situmorang Pakpahan, Joel Fredly Panggabean, Azra Panjaitan, Yosua Tahyudi Prayusti Sarah Simarmata Purba, Masni Rahmat Tri Andika Debataraja, Rahmat Rajali H. Aji Ria Juliana Siregar Richa Yohana Rusli Siahaan Risky, Rosiana Agnes robin panjaitan Roida Nababan Roida Nababan Roida Nababan Roma Cita Sibatuara Rosiana Agnes Rizky Sagala, Wilson Samuel F. B. Situmorang Sesilia, Paskah Siahaan, David Pandapotan Siahaan, Lestari Siahaan, Richa Yohana Rusli Siburian, Lamhot Efriskon Sidauruk, Jinner Sihombing, Freean Gabriel Sihombing, Sherina Elizabeth Sihotang, Lesson Silalahi, Jonathan Agung Simandalahi, Eli Simandalahi, Eli Ristiana Simanjuntak, Iona Febrina Simanungkalit, Irfandy H Simarmata, Prayusti Sarah Simatupang, Jeprita Simatupang, Riris Simbolon, Krisna Uli Sinuhaji, Yefta Loviga Sipahutar, Pitra Regina Siregar, Jos Siregar, Ria Siregar, Ria Juliani Sitepu, Editama Joremia Sitorus, Bethsaidah Situmorang, Olyhabana Sivakkar, Sarsaralos Sonya Lorensa Sirait Sovia Febrina Tamaulina Simamora Stevani Tarigan Sumiati Bondar, Lista Ade Tampubolon, Putri Melani Uton Utomo Veronika Waruwu Wilson Sagala Yansen Anggusti Yasmirah Mandasari Saragih Yosua Tahyudi R. Panjaitan