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All Journal IJCCS (Indonesian Journal of Computing and Cybernetics Systems) Techno.Com: Jurnal Teknologi Informasi Jurnal Simetris Prosiding SNATIF Intelektualita Jurnal SIMADA (Sistem Informasi dan Manajemen Basis Data) E-Dimas: Jurnal Pengabdian kepada Masyarakat Jurnal Rekayasa Sipil dan Lingkungan Jurnal Ilmu Pangan dan Hasil Pertanian Sistemasi: Jurnal Sistem Informasi International Journal of Artificial Intelligence Research KREDO : Jurnal Ilmiah Bahasa dan Sastra Jurnal Ilmiah Peuradeun JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi JURNAL INTEGRASI Al-Albab Syntax Literate: Jurnal Ilmiah Indonesia JURNAL MUQODDIMAH : Jurnal Ilmu Sosial, Politik dan Hummaniora Jurnal Ilmiah KORPUS Jurnal Otomasi Kontrol dan Instrumentasi IRJE (Indonesian Research Journal in Education) Edukasi Islami: Jurnal Pendidikan Islam Jurnal DISPROTEK JUTIM (Jurnal Teknik Informatika Musirawas) RISTEKDIK : Jurnal Bimbingan dan Konseling Tribakti: jurnal pemikiran keIslaman Jurnal Nasional Komputasi dan Teknologi Informasi QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT JURTEKSI Idaarah: Jurnal Manajemen Pendidikan JOISIE (Journal Of Information Systems And Informatics Engineering) EDUMATIC: Jurnal Pendidikan Informatika Widya Balina :Jurnal Ilmu Pendidikan dan Ekonomi Jurnal SITECH : Sistem Informasi dan Teknologi JURNAL TEKNOLOGI INFORMASI Business Innovation and Entrepreneurship Journal Jurnal Review Pendidikan dan Pengajaran (JRPP) Accounting and Management Journal Pena Justisia: Media Komunikasi dan Kajian Hukum Mudir : Jurnal Manajemen Pendidikan Jurnal Teknologi Informasi dan Pendidikan Al-Bayan: Jurnal Ilmu al-Qur'an dan Hadist Jurnal Manajemen Informatika dan Sistem Informasi Jurnal Mekanova : Mekanikal, Inovasi dan Teknologi bit-Tech Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Abdimas Toddopuli: Jurnal Pengabdian Pada Masyarakat JATI (Jurnal Mahasiswa Teknik Informatika) Jurnal Ilmiah Profesi Pendidikan Jurnal Abdi Insani Jurnal Teknik Informatika C.I.T. Medicom International Journal of Marine Engineering Innovation and Research Jurnal Sistem Komputer dan Informatika (JSON) AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Tunas Jurnal Ilmu Komputer dan Sistem Informasi (JIKOMSI) Prominent : Journal of English Studies Jurnal Teknik Informatika (JUTIF) Journal of Information Technology Ampera Kalamuna International Journal of Social and Management Studies (IJOSMAS) Jurnal FASILKOM (teknologi inFormASi dan ILmu KOMputer) Jurnal Computer Science and Information Technology (CoSciTech) RESOLUSI : REKAYASA TEKNIK INFORMATIKA DAN INFORMASI Journal of Software Engineering Ampera Progress in Social Development Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. Jurnal Ilmiah Wahana Pendidikan International Journal of Economics, Management, Business, and Social Science Jurnal Media Informatika ACADEMIA: Jurnal Inovasi Riset Akademik Edu Cendikia: Jurnal Ilmiah Kependidikan Humantech : Jurnal Ilmiah Multidisiplin Indonesia Jurnal Altifani Penelitian dan Pengabdian kepada Masyarakat International Journal of Research and Applied Technology (INJURATECH) JIMEBIS Journal of Education Research Muria Jurnal Layanan Masyarakat CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia USRAH: Jurnal Hukum Keluarga Islam Jurnal Locus Penelitian dan Pengabdian Jurnal Manajemen Agribisnis dan Agroindustri Bhakti Nagori (Jurnal Pengabdian kepada Masyarakat) Jurnal Kesehatan Kusuma Husada Jurnal Sistem Informasi Dan E-Bisnis Mudabbir: Journal Research and Education Studies Jurnal Sains Informatika Terapan (JSIT) Jurnal Kreativitas dan Inovasi (Jurnal Kreanova) Jurnal Komputer Teknologi Informasi Sistem Komputer (JUKTISI) Prosiding Simposium Nasional Rekayasa Aplikasi Perancangan dan Industri Jurnal Pengabdian dan Pengembangan Masyarakat Indonesia Jurnal Kajian Islam Modern Abdimas Indonesian Journal Prioritas : Jurnal Pengabdian Kepada Masyarakat Terob : Jurnal Pengkajian dan Penciptaan Seni Journal of Multimedia Trend and Technology Indonesian Journal Education Al-DYAS : Jurnal Inovasi dan Pengabdian kepada Masyarakat Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah EKOBIS SYARIAH Jurnal Masyarakat Madani Indonesia Indonesian Research Journal on Education IC Tech: Majalah Ilmiah Journal of Islamic Education Studies IPTEK: Jurnal Hasil Pengabdian kepada Masyarakat Madani: Multidisciplinary Scientific Journal Dedikasi Saintek Jurnal Pengabdian Masyarakat JURNAL HANDAYANI PGSD FIP UNIMED J-ENSITEC (Journal of Engineering and Sustainable Technology) Journal International Dakwah and Communication JRIIN :Jurnal Riset Informatika dan Inovasi JIM : Journal Of International Management Buletin Utama Teknik Causa: Jurnal Hukum dan Kewarganegaraan SENADA : Semangat Nasional Dalam Mengabdi Darma Cendekia Jurnal Pengabdian Masyarakat Jurnal PRINTER : Jurnal Pengembangan Rekayasa Informatika dan Komputer Bencoolen Journal of Pharmacy Jurnal Manajemen Informatika, Sistem Informasi dan Teknologi Komputer (JUMISTIK) Azkayra: Jurnal Pengabdian Masyarakat dan Sosial Jurnal Aktor SENMEA Tribakti: Jurnal Pemikiran Keislaman Emitor: Jurnal Teknik Elektro semanTIK International Journal of Kita Kreatif Fatih: Journal of Contemporary Research International Journal of Sustainable English Language, Education, and Science ⁠International Journal of Asian Pacific Community Service Al-Mabsut: Jurnal Studi Islam dan Sosial JESICA KARIR Jurnal Ilmiah Manajemen INOVTEK Polbeng - Seri Informatika DEDIKASI SAINTEK Jurnal Pengabdian Masyarakat Kajian Ilmiah Mahasiswa Administrasi Publik (KIMAP) Jurnal Forum Perpustakaan Perguruan Tinggi Indonesia Signal and Image Processing Letters Parewa Saraq: Journal of Islamic Law and Fatwa Review Mantis Journal of Fisheries Gemi: Jurnal Penelitian dan Pengabdian Journal of Science and Mathematics Education GENFABET: Jurnal Pendidikan Dasar International Journal of Artificial Intelligence and Science Teknofile, Jurnal Sistem Informasi An-Nahdloh: Journal of Education and Islamic Studies SAKAAI Kajian Sosial dan Humaniora IC Tech: Majalah Ilmiah New Economy Jurnal Pengabdian Kepada Masyarakat Indonesia
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ANALISIS SISTEM PELUMASAN PADA MESIN MOBIL CANTER EURO 4 Fahri, Muhammad Yazid; Junaidi, Junaidi; Arifin, Muhammad
Buletin Utama Teknik Vol 21, No 2 (2026): Edisi Januari
Publisher : Universitas Islam Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/but.v21i2.13114

Abstract

Penelitian ini bertujuan untuk menganalisis sistem pelumasan pada mesin Mitsubishi Canter Euro 4, sebuahkendaraan niaga ringan yang telah memenuhi standar emisi Euro 4. Sistem pelumasan memiliki peran vital dalam menjaga performa dan keandalan mesin dengan cara mengurangi gesekan, menjaga kestabilan suhu, serta memperpanjang umur komponen. Metode penelitian yang digunakan bersifat deskriptif kualitatif melalui studi literatur, observasi langsung, dan analisis teknis terhadap komponen pelumasan. Hasil analisis menunjukkan bahwa sistem pelumasan Canter Euro 4 menggunakan pompa oli tipe gear dengan tekanan kerja optimal, didukung oleh filter oli, pendingin oli, dan saluran pelumasan yang terintegrasi secara efisien. Penggunaan oli SAE 15W-40 API CI-4 yang direkomendasikan terbukti memiliki stabilitas viskositas yang baik, bahkan pada suhu tinggi, dan mendukung efisiensi pembakaran serta penurunan emisi gas buang. Pengujian viskositas juga menunjukkan bahwa kualitas pelumas tetap berada dalam batas aman hingga jarak tempuh tertentu. Penelitian ini menyimpulkan bahwa sistem pelumasan pada mesin Canter Euro 4 telah dirancang secara efisien dan sesuai dengan tuntutan regulasi emisi modern, serta mampu mendukung kinerja mesin secara optimal. Temuan ini diharapkan dapat menjadi referensi bagi perawatan kendaraan niaga dan pengembangan teknologi pelumasan yang lebih lanjut.
PERANCANGAN GEAR HELIX MENGGUNAKAN MATERIAL AISI 4340 DENGAN KEKERASAN 48 HRC Sihombing, Ahmad Gunawan; Junaidi, Junaidi; Arifin, Muhammad
Buletin Utama Teknik Vol 21, No 2 (2026): Edisi Januari
Publisher : Universitas Islam Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/but.v21i2.13115

Abstract

Penelitian ini bertujuan untuk merancang dan menganalisis gear helix menggunakan material baja paduan AISI 4340 yang telah mengalami perlakuan panas hingga mencapai kekerasan 48 HRC. Gear helix dipilih karena kemampuannya mentransmisikan daya secara efisien, dengan kebisingan rendah dan beban kerja yang merata. Material AISI 4340 dipilih berdasarkan sifat mekanik unggul seperti kekuatan tarik tinggi, ketangguhan, serta ketahanan terhadap keausan dan kelelahan material.Proses pemesinan gear helix dilakukan menggunakan mesin frais universal manual, yang memungkinkan pemotongan presisi dengan kontrol penuh oleh operator. Parameter desain gear meliputi modul 3 mm, jumlah gigi 24, sudut heliks 20°, lebar muka 30 mm, dan diameter bore 20 mm. Setelah proses perlakuan panas, material diuji menggunakan alat uji Rockwell untuk memastikan kekerasan mencapai 48 HRC. Selanjutnya, pemotongan gigi dilakukan secara bertahap, dengan mengatur kecepatan potong dan feed rate yang sesuai, serta penggunaan dividing head untuk membentuk sudut heliks.Hasil penelitian menunjukkan bahwa mesin frais universal manual mampu menghasilkan gear helix dengan dimensi dan bentuk yang presisi. Gear helix yang dihasilkan memiliki ketahanan aus yang baik serta kekuatan struktural yang mampu mendukung beban kerja tinggi. Penelitian ini membuktikan bahwa kombinasi antara material AISI 4340 dan proses pemesinan manual yang tepat dapat menghasilkan komponen mekanik berkualitas tinggi yang layak diaplikasikan dalam industri transmisi daya.
KAJIAN SERAT DAUN NANAS SEBAGAI MATERIAL KOMPOSIT PENGGANTI PLASTIK Tampubolon, Rijal; Damanik, Ricardo Fransiskus; Ritonga, Din Aswan Amran; Arifin, Muhammad
Buletin Utama Teknik Vol 21, No 2 (2026): Edisi Januari
Publisher : Universitas Islam Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/but.v21i2.13121

Abstract

Penelitian ini bertujuan untuk mengkaji pemanfaatan serat daun nanas sebagai bahan penguat pada material komposit berbasis PLA (Polylactic Acid) sebagai alternatif pengganti plastik berbasis minyak bumi yang kurang ramah lingkungan. Serat daun nanas dipilih karena memiliki kandungan selulosa tinggi (±69–71%) yang berpotensi meningkatkan kekuatan mekanik komposit sekaligus memanfaatkan limbah pertanian. Proses penelitian meliputi persiapan serat melalui perendaman dan perlakuan alkali, pencampuran dengan PLA menggunakan mesin molding plastik, serta pencetakan spesimen untuk pengujian mekanik. Uji tarik, uji impak, dan uji tekan dilakukan sesuai standar ASTM. Hasil pengujian menunjukkan bahwa komposit serat daun nanas–PLA mampu mencapai kekuatan impak hingga ±34,70 kJ/m², kekuatan tarik hingga ±20,73 MPa, dan kekuatan tekan/bending hingga ±11,90 MPa. Variasi fraksi volume serat berpengaruh signifikan terhadap sifat mekanis, di mana peningkatan serat dalam batas tertentu meningkatkan performa, namun kelebihan fraksi serat menurunkan homogenitas material. Penelitian ini membuktikan bahwa serat daun nanas dapat digunakan sebagai material penguat ramah lingkungan dalam pembuatan komposit, sekaligus memberikan nilai tambah pada limbah pertanian.
PEMANFAATAN LIMBAH SERAT PINANG SEBAGAI BAHAN CAMPURAN FILAMENT 3D PRINTING Afrianda, Gusti; Yulfitra, Yulfitra; Arifin, Muhammad
Buletin Utama Teknik Vol 21, No 2 (2026): Edisi Januari
Publisher : Universitas Islam Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/but.v21i2.13117

Abstract

Penelitian ini bertujuan untuk mengeksplorasi potensi serat pinang sebagai bahan penguat dalam pembuatan filament untuk percetakan 3D menggunakan polylactic acid (PLA). Dengan meningkatnya kebutuhan akan material ramah lingkungan dalam teknologi percetakan 3D. penelitian ini mengkaji pengaruh pencampuran serat pinang dengan PLA (polylacticacid) terhadap sifat mekanik dan thermal dari komposit yang dihasilkan. Metode yang digunakan meliputi analisis mekanis, pengujian mikrostruktur dan differential scanning calorimetry (DSC) untuk mengevaluasi karekteristik material. Hasil pengujian menunjukkan bahwa penambahan serat pinang dapat meningkatkan kekuatan material dengan rasiooptimal 70% PLA dan 30% serat pinang. Pengujian DSC mengungkapkan kateristik thermal yang menjanjikan mendukung potensi aplikasi dalam industri. Pengujian menggunak differential scanning calorimetry (DSC) menunjukkan data karakteristik thermal dari campuran. Hasil pengujian DSC mencatat peak pada suhu 341,42 °C, onset pada 338,78 °C, dan endset pada 345,68 °C, dengan nilai heat sebesar 4,92 MJ dan 0,65 J/g. 
CLIMATE CHANGE AND COMMUNITY PERCEPTION: THE CASE STUDY IN MIANG ISLAND VILLAGE, EAST KUTAI : PERUBAHAN IKLIM DAN PERSEPSI MASYARAKAT: STUDI KASUS DI DESA PULAU MIANG, KUTAI TIMUR Sariasih, Onyhanda Fatma; Arifin, Muhammad
Progress In Social Development Vol. 7 No. 1 (2026): January 2026
Publisher : Fakultas Ilmu Sosial dan Ilmu Politik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/psd.v7i1.172

Abstract

The phenomenon of climate change currently occurring not only impacts the environment but also affects human life, especially vulnerable groups whose livelihoods depend on natural resources and environmental conditions, one of which is the maritime community whose life depends on the sea and weather conditions. This study aims to elucidate the complexity of perceptions regarding climate change and environmental degradation from the perspective of the Miang Island community, whose livelihoods depend on the sea, and to analyze the relationship between the community and its environment. This study uses a descriptive qualitative method with a phenomenological type and employs the New Environmental Paradigm theory to understand the relationship between the two. The research results show that community perceptions are formed due to the interaction between the community and the environment, creating an experience that indicates the occurrence of climate change phenomena and forming a traditional knowledge base for the community, assuming that these phenomena refer to the transitional seasons and environmental degradation. Based on that traditional knowledge, the community undertakes adaptation and mitigation efforts that are both physical and socio-cultural, ranging from the tradition of tolak bala to the formation of youth communities aimed at preserving the natural environment on Miang Island. This encourages decision-making that leads to ecological and economic sustainability, prompting the community to be more conservative in their interactions with the environment for the sake of future environmental sustainability. The results of this study can be used by the government as a basis for formulating climate change mitigation policies for island communities.
Legal Certainty Of Provision Of Land And Building Rights Acquisition Reduction Facilities For Foundations (Study in North Sumatra) Panjaitan, Tulus Januardi Tua; Arifin, Muhammad; Ramlan, Ramlan
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i3.5190

Abstract

The issuance of Law Number 1 concerning Financial Relations Between the Central Government and Regional Governments has had a negative effect on foundations. Based on the results of the study, it was found that the regulation on the provision of BPHTB reduction or exemption facilities owned by foundations is an order from Law Number 28 of 2009 concerning Regional Taxes and Regional Levies, which was then followed by the issuance of Law Number 20 of 2000 concerning Amendments to Law Number 21 of 1997 concerning Land and Building Acquisition Fees. The issuance of Law Number 1 of 2022 concerning Financial Relations between the Central Government and Regional Governments (HKPD) eliminates these facilities. There is a lack of synchronization in the implementation of Law Number 1 of 2002 with the regent/mayor regulations regarding the provision of BPHTB reduction or exemption facilities for foundations, considering that these regulations are still based on the old law. Law Number 7 of 2021 concerning the Harmonization of Tax Regulations is an important momentum for efforts to harmonize and synchronize taxation, including between laws and regulations and regional regulations (perda) related to taxation. Including the regulation that regulates the provision of BPHTB relief or exemption facilities for foundations. Law Number 7 of 2021 concerning the Harmonization of Tax Regulations is an important momentum for efforts to harmonize and synchronize taxation, including between laws and regulations and regional regulations (perda) related to taxation. Including the regulation that regulates the provision of BPHTB relief or exemption facilities for foundations
Responsibility Of The Board Of Directors In Management Of State Assets In Capital Participation Of State-Owned Enterprises Based On Legal Certainty Yusrizal, Muhammad; Perdana, Surya; Arifin, Muhammad
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 1 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i3.5303

Abstract

Overlapping related to state finances also occurs in several judicial decisions, namely the decision of the Constitutional Court of the Republic of Indonesia No. 77/PUU-IX/2011 on the judicial review of Law No. 49 Prp of 1960 concerning the State Receivables Affairs Committee. The substance of the Judicial Review of this Law is to ask the Court to cancel the provisions of Article 4, Article 8, Article 10, and Article 12. In the ruling of the Constitutional Court, it is stated that the assets owned by BUMN are separate from state assets, so that the authority to manage assets, businesses, including the settlement of BUMN debts is subject to limited liability company law based on Law No. 40 of 2007 concerning Limited Liability Companies. The formulation of state financial losses is interpreted as the same as state losses. This can be seen in the provisions of Article 35 paragraph (1) and paragraph (4) of Law Number 17 of 2003 concerning State Finance; Article 1 number 22, and Articles 59 to 67 of Law Number 1 of 2004 concerning State Treasury; Article 20 paragraph (4), paragraph (5), and paragraph (6) of Law Number 30 of 2014 concerning Government Administration. These regulations regulate Treasury Claims (TP) and Compensation Claims (TGR) for non-treasurer state/regional finances. Based on Supreme Court Regulation Number 4 of 2015 concerning Guidelines for Proceedings in the Assessment of Elements of Abuse of Authority, the PTUN has the authority to assess before a criminal process. It is clear that the actions of BUMN directors that result in state financial losses can be subject to administrative and/or criminal sanctions
LEGAL PROBLEMS REGARDING DISPUTES IN GOVERNMENT PROCUREMENT OF GOODS AND SERVICES IN CORRECTIONS INSTITUTIONS Bangun, Revanda; Arifin, Muhammad; Nadirah, Ida
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i3.5491

Abstract

Procurement goods and services government is part important in operate wheel state administration , including in the environment institution correctional . However , in In practice , this process often face various problems law that triggers dispute . Research This discuss reason main dispute procurement goods and services in the institution correctional , such as mismatch procedure with applicable regulations , misuse​ authority , conflict interests , and minimal transparency . In addition , the obstacles in implementation the rules that are set in Presidential Decree No. 16 of 2018 concerning Government Procurement of Goods/Services participate to worsen situation . The dispute that arose often leading to a long legal process and impacting efficiency organization task socialization . Research This recommend existence improvement supervision , transparency , and implementation sanctions firm For minimize dispute in procurement goods and services in the institution correctional
Legal Justice in Returning Losses to Victims of Illegal Investment Criminal Acts Santoso, Bambang; Arifin, Muhammad; Ramlan, Ramlan
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i2.6150

Abstract

Regarding Legal Justice in Restitution of Victims of Criminal Acts, further provisions regarding the procedure for carrying out conditional sentences (voorwaardelijke veroordeling) are regulated in Article 276 of the Criminal Procedure Code which states: "In the event that the court imposes a conditional sentence, its implementation shall be carried out with serious supervision and observation and in accordance with the provisions of the Law." According to Muladi, conditional sentences (voorwaardelijke veroordeling) are a form of humane criminal law, namely by prioritizing prevention, not only oriented towards actions but also towards people who commit crimes, which are tat-tatterstrafrecht, placing social welfare as the ultimate goal, oriented towards the future. The mechanism for applying compensation is also regulated in Article 275 of the Criminal Code which states: "If more than one person is convicted in one case, then the court costs and/or compensation as referred to in Article 274 shall be borne by them jointly in equal proportions". The explanation is explained as follows “Because the defendants in the case referred to in this article are jointly sentenced because they are accused of committing a crime in one case, it is reasonable if the court costs and/or compensation are borne jointly in equal proportions
LIFE INSURANCE CLAIMS DISPUTE RESOLUTION THROUGH THE CONSUMER DISPUTE RESOLUTION AGENCY (BPSK) Adi Salamat, Padian; Mansar, Adi; Arifin, Muhammad
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 22 No. 2 (2023): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Life insurance claim dispute resolution is a crucial aspect of consumer legal protection in Indonesia, particularly when claims are rejected by insurance companies. The Consumer Dispute Resolution Agency (BPSK) was established as an alternative out-of-court dispute resolution body, aiming to provide fast, simple, and low-cost resolution. However, in practice, the effectiveness of the BPSK in resolving life insurance claim disputes still faces various obstacles. This study aims to determine the procedures for resolving life insurance claim disputes through the BPSK, identify the obstacles encountered, and analyze efforts to optimize the resolution of these disputes. This study uses a normative legal research method with a statutory and conceptual approach, supported by primary, secondary, and tertiary legal materials. Data collection was conducted through literature review and qualitative analysis. The results indicate that life insurance claim dispute resolution through the BPSK is carried out through mediation, conciliation, and arbitration mechanisms, with final and binding decisions. However, its effectiveness still faces obstacles, including overlapping authority with the Financial Services Authority (OJK), weak enforcement powers of decisions, the technical complexity of insurance disputes, an imbalance in the bargaining position between consumers and businesses, and limited institutional capacity of the BPSK. Optimization efforts that can be implemented include strengthening regulations, harmonizing authority between institutions, increasing human resource capacity, increasing business compliance, and improving public legal and financial literacy. Therefore, strengthening the role of the BPSK is essential to realizing effective legal protection for consumers in life insurance claim disputes in Indonesia
Co-Authors 'Amala A., Ahsanu - Supriyono Abbas, Aries Abd. Faishol Abdul Manan Abdul Rauf Chaerudin Abiyyi, Al Ghossan Abthal Ade Budi Setiawan Adi Mansar Adi Salamat, Padian Adiyono, Soni Adlian Jefiza Adzkar, Fadhlika Afif, Faisal Afriana, Bs Monica Afrianda, Gusti Afrida, Cut Afridon, M Afriyanti Afriyanti, Afriyanti Agung Mahardiono, Novan Agus Trianto Ahmad Hariyadi Aina, Asri Nur Aji, A. Damar Aji, Muji Handoyo Akmal Riza Al-Fatah, Sopi Nurul Alamsyah, Tedi Alamul Huda, Alamul Alaydrus, S. Ali Jadid Alifa Marsha Rahmania Aliya Aszava Alwani, Yazid Alya, Kharisma Rahmadhani Alya, Nabila Ulamy Amalia, Nadra Amanatillah, Dara amelia, ida Andhika Ikhwal Fadhil Ferdian Andre , Lesis Andrian, Nawang Alan Andrianti, Rini Andy Lasmana Anggun Wulandari Annisa Nurrachmawati Annisa, Dewi Sry Anteng Widodo Aprilia, Wa Ode Intan Arbani, Hayaadilah Rizqi Ardhana Januar Mahardhani Ariansyah, Rafi Ariesta, Ria Arif Harjanto Arif Rahman Hakim Arif Setiawan Arifin, Arun Panrita Arina Fawaida Arini Zulfaida Aristianty, Dian Sari Armiadi Musa Arono Arono Arum Kusuma Wardhany Asmoro, Novian Wely Aspira, Muizatul Aulia Happy Salma Aulia, Farhan Aulia, Ismi Aulia, Riza Awin Azmi, Muhammad Ulul Bahtiar, Adhi Baiti Rahman Bambang Hariyadi Bambang Santoso Bambang Widjanarko, Bambang Widjanarko Bangun, Revanda Barus, Anisa Dwi Putri Batubara, Oktia Elfriza Berkahi, Alrezqio Meykhara Aqbel Billa, Lisa Salsa Bilqis, Adilla Boer, Dara Cantika Putriadin Budiana, Budiana Budiono, Ragil Budiyanto, Muchammad Arif Catur Wuragil, Irfan Chandra Ayu Fatikasari Chaniago, Edi Salim Cut Intan Hayati, Cut Intan Dafa, Yori Hayyan Damanik, Ricardo Fransiskus Daniah Darma, Ade Darmnato, Eko Delismasari, Delismasari Deni Mahdiana Destarina, Dea Devi Mutiara Khoirun Nisa, Asti Dewantari Nasution, Nurul Annisa Dhohiri, Daud Dian Asriningati Dian Eka Chandra Wardhana, Dian Eka Chandra Diana Laily Fithri Diana Laily Fithri Diki Eka Gunawan Dita Amelia Putri, Dita Amelia Djarot Winoto, Djarot Winoto Dongoran, Indra Pilianti Durrotun Nafisah Dwi Kurnia Putri Eko Darmanto Elsa Violina Damayanti Elyza Dewi Fortuna Endah Wahyutri Eni Mayasari Entin Hidayah Eny Enawaty Erlina Erlina Esti Wijayanti, Esti Evi Maryanti F.A., Moch Hazmi Fachry Abda El Rahman Fahmiyudin, Muhamad Fahri, Muhammad Yazid Fajar Nugraha Fajar Purwoko Falah, Fajrul Farid Noor Romadlon Farida, Elis Anita Faris Ahmad Farhan Farhan Farma, Junia Fathon, Ulil fathurrahman, fajar Fauzie Rahman Fery Ariyana Fithri, Diana Layli Fitri, Rosiana Fitri, Saudatul Fitriyani, Laili Fitriyanti Nakul Futra, Asrizal Deri Gafur, Syahrul Ghufron Tamami Gumono Gumono, Gumono Gunawan, Erli Gurning, Jhon Pedrik Haedar Akib Handayani, Listy Hapsari, Rini Tri Harahap, Santi Evalia hasanah, kamalia Henandra Eka Putra, Dias Hendro HS., R. Hendy Hendy Hendro Hadi Sridjono Hendy Hendro Sajono Herawati, Yuke Elvin Heri Susanto Herlina, Yekti Hery Purwosusanto Hiasa, Fina Hidayat, Hilmi Bayu Hidayat, Muhammad Taufiq Hikhmah, Fitria Nurul Husna, Atina Husni Mubarok Ifriany, A. Ihyani Malik Ihza, Andika Ika Karlina Laila Nur Suciningtyas Ike Anggraeni Imam Junaris Imam Kusyairi, Imam Imaroh, Rachel Tinezia Zaitul Ina Kusumawardani Alina Fakhri Indahsari, Susi Insani, Muhammad Fitrah Ipaludin, Muhammad Irfan Santiko Irwan Hadi Irwan Purnama Irwanto Zarma Putra Ishak, Safrizal Iskandar Iskandar Ismail Ismail Ismi Alfina Ayu Azzahra Iswahyu Pranawukir Ivonita Simbolon, Artha Jafarudin, Sesy Dwi Prinita Jalilah Jalilah Jamhari Jamhari Jasmawati, Jasmawati Jayanti, Nur Ivo JUNAIDI Junelmi, Thecy Karima, Mafaza Karimuna, Siti Rabbani Khairani, Suci Khairudin Syah Khairul Amri Khoirun Nisa', Dwi Susanti Khoiruz Zahro Koottilangadi, Sinan Ck Ksrisya, Vira Clarissa Kurniawan, Moh Adi Kurniawan, Muhammad David Lailatus Sa’diah, Najwa Lailatussaadah M Nur, Lailatussaadah Laily Fithri, Diana Lia Anggraini Lilis Puspitawati Liza, Risko Lubis, Muhammad Rasyid lutfi, Attabik Lu’lu’il Laili M. Alvino Bintang P M. Yogi Riyantama Isjoni Magdalena, Melani Maria Maharani, Adelia Maharani, Ria MAHARINI, MAHARINI Mahendra, Prionaka Luthfi Mahmuda, Siti Risyda Mahpuz Maimun Maimun Majid, Akmal Abdul Malyani, Fitri Manjato, Ajat Manurung, Lastiur Marbun, Egricana Marchella, Intan Mardasela, Tery Marpaung, Maria Magdalena Martina MARTINA, ANGGUN Marzuarman, Marzuarman Masriani . Maulida Zakiah, Diana Maulidah, Hana Mutialif Maulidiawati, Chyntia Meri, Rita Misyanto Mohammad Fathoni Mohzana Monika, Dezetty Mubarak, Ahmad Ridha Muchlas Muchlas Mudrikah, Mudrikah Muham, Novia Angelia Br Muhamad Yuwanda Muhammad Alvino Bintang Adi Pradana Muhammad Azka Latif Muhammad Fajar Maulana Muhammad Khaeruddin Hamsin, Muhammad Muhammad Khoirul Anam Muhammad Muhammad Muhammad Mursyid Muhammad Nanang Qosim Muhammad Rizqi Ijlal Tsani Muhammad Ryan Iskandar Muhammad Tahir Muhammad Wasil Muhammad Yamin MUhammad Yusrizal Muhazir, Achmad Muksal Muksal Muksin, Muksin mulyadi, nanang Mulyani, Yayu Mumu Zainal Mutaqin Munirul Abidin Musfiroh, Aam Mushaffa, Arju Mutia, Sri Muzakkir Muzakkir Myllikha Putri Izza Nadhrah Wivanius, Nadhrah Nadirah, Ida Nadiya, Ulfah Naibaho, Sisilia Hotrepiyanti Br Nandalisa Lisa Fa’ati Rahmawati Nariyah, Ahlun Nasution, Nurul Izzah Nasution, Ummi Fadillah Navijay, Ahmad Nazar Nazar, Nazar Nazila, Tasya Neka Erlyani Nisa, Nabila Mataun Noermanzah, Noermanzah Noor Azizah Noor Latifah Noor Latifah Noprianti, Dini Noviyanto Firmansyah, Heru Novrian, David Saldomi Nugraha, Gilang Try Nur Ivo Jayanti Nur Laily Nur Rohmah Nurasiah Nurasiah Nurdin Nurhidayah, Josanti Nurmala, Sinta Nurmulya, Wa Ode Sitti Nurokhman, Nurokhman NURUL AZIZAH Nuzula Fitranti, Avin Onny Medaline Palahudin Panjaitan, Tulus Januardi Tua Pardiansyah, Anton Pebrinda, Else Perdana, Surya perma sari, rose intan Permadi, Luchyto Chandra Pohan, Putri Amanda Pradani, Rizky Fitriyanti Prasidarini, Rifka Ilma Pratama, Wildan Pratomo Setiaji Primadiarta, Ari Sam Primawanti, Henike Prionaka Luthfi Mahendra Priyambodo, Ragil Putra, Debi Kumala Putra, Edo Putri Kurnia Handayani Putri Mayang Sari, Putri Mayang Putri, Aura Salsabila Yunizar Putri, Sarah Athaullah Wenna Putri, Shasha Ramadhani Putri, Sylvia Octa Putri, Yohana Shavira Qoaruddin Qomaruddin R Rhoedy Setiawan Rachmi Meutia Rafli Zudha Sasongko Ragil Budiono Rahmadani, Revi Rahmatullah, Zaid Hidayat Ramadanil, Farid Ramadhan, Fathjri Ramadhan, M. Zaki Nawaf Ramadhani, Silvia Ramadlan As'ari, Wahyu Ramlan, H. Ratna Wati Regizka Ayu Mega Saputri RESTIN MEILINA Retno Widyastuti, Retno Ridwan Rini Ekayati Rini Muharini Rino Sardanto Ritonga, Din Aswan Amran Riyan Sisiawan Putra Rizal Maulana Rizal Maulana, Rizal Rizal Setiawan Rizka, Fithria Rochim, Galuh Nur Rohadi, Melia Pradita Romdoni, Moh Fahmi Sabputro, Heru Sadali, Muhamad Safera, Asywila Huda Sahputra, Rahmat Saidun Basyar, Aminun Fais Salamah, Ummi Salma Hayati Salsabila, Cut Sarah Athiyah Salsabila, Syefira Samudi Santy, Nawal Ari Saputra, Hasar Sari, Apriliana Sariasih, Onyhanda Fatma Sarjana Sarjana Saruran, Michelin Alfa Seila Desy Maulia Sembiring, Oscar Fredriek Setiyoadi, Amanda Diyas Sety, La Ode Muhamad Shahadah, Dewi Faridah Nur Shofiani Dwi Natalia Siahaan, Gorga Josua Chrisvandoli Sihombing, Ahmad Gunawan Sihotang, Yohana Silitonga, Alfredo Jonathan Simangunsong, Agustina Simanjorang, R. Mahdalena Simarmata, Ruth Ana Magdalena Br Simatupang, Linda E M Sinaga, Zulkani Sintiana, Indah Siregar, Fathia Siregar, Putri Bungsu Sirullah, Mohammad Fajar Siti Aminah Siti Ifa Septiana Siti Nurfadilah H Siti Raihanah Sitompul, Adravia Lisbeth Claudia Sofiana, Zulfa Soni Adiyono Sri Utami Sudarsono Sugiartono, Endro Sukapti Sukapti, Sukapti Sukarmi Sukinah, Endang Sukma Wijayanti Sulung, Bagus Putra Suparyati, Enok Supriadi Supriyadi, Ahmad Rizal Supriyono Supriyono Suryo Hadi Kusumo Susanto, Gito Aru Susanto, Gito Aru Syafiul Muzid Syahputra, Chandra Syaputa, Muhammad Rioardian Syauqi, Gutti Zaidan Syindau Abdillah, M. Andrian Tampubolon, Rijal Tampubolon, Sandy Donni Tarigan, Jenni Parlopes Br Tarigan, Tiodora Br Tasa Tasa, Tasa Taufiq Hidayat Tauran, Rina Teddy Octa Prabowo Tihadanah, Tihadanah Togatorop, Inneke MF Tri Danang Kurniawan Tri Dina Fitria Tria Yanuarsih Trianjani, Mimin Triwahyuni, Dewi Tunnazia, Aqilla Ubaidillah, Jainul Ukun, Ukun Kurnia Ulan Ullul Azmie, Fadila Umar, U Utama, Bima Satria Utami, Mauliddina Utami, Yulia Verdinand, Rhenal Vinsensia, Desi Virgie Andrian Noval Vita Nurus Salamah Wahyu Wibowo, Angga Wandari, Kameilia Wardhana, Fahriy Aulia Wibowo, Yoga Putra Widya Rika Puspita Widyantoro, Murwan Wijaya, Cindy Ari Wijiyanto, Dwi Wikanta, Prasaja Wildan Darmawan, Farhan Wirahmi, Nori Wiwik Yunarni Widiarti Wiwit Agus Triyanto Yasmin, Dhira Fijri Yudie Irawan Yulfitra, Yulfitra Yuniarsi Rahayu Yunira, Yuli Yusuf Sabilu, Yusuf Zaenal Arifin Zahra, Nadhira Fitria Zakiiya, Ghulaman Zessicha Belliana Putri Zoningsih, Meta Yupitri Zubdatu Zahrati, Zubdatu Zahrati Zulaika Zulaika , Zulaika Zuliyanto, Muhammad Zuliyati Zuliyati Zulkifli, Kiky Zwagery, Rika Vira