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Pertanggungan Asuransi Jiwa Saat Pandemi Covid-19 Dikaitkan Dengan Tingkat Kesehatan Perusahaan Asuransi Berdasarkan Hukum Asuransi Yushendri , Muhammad Haikal; Karsona , H. Agus Mulya; Rahmawati, Ema
Jurnal Ilmiah Penegakan Hukum Vol. 11 No. 1 (2024): JURNAL ILMIAH PENEGAKAN HUKUM JUNI
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jiph.v11i1.10070

Abstract

This issue is focused on the liability of life insurance in the conditions of the COVID-19 virus in terms of statutory regulations. In insurance, it is necessary to know the risks broadly which is an essential basis for understanding and knowing the concepts and techniques of risk management. The concept of risk is needed to analyze various ways to protect the insured object. The company is always faced with risks so that risk is part of the company's activities. The data were collected through literature and interviews and analyzed descriptively and qualitatively. This study concludes that life insurance coverage, specifically for the COVID-19 virus, is implemented by applying the principle of freedom of contract as a form of implementing the principle of good faith of insurance companies as insurers to provide good service to policyholders, even though pandemic coverage is not a category of protection established by every insurance company. There is no specific regulation providing legal certainty to insurance companies in providing their services
Analysis of Sexual Violence in Online Media Against Millennial Generation Muslim Women Rahmawati, Ema
Journal of Communication Studies Vol. 4 No. 2 (2024): JCS: Journal of Communication Studies
Publisher : Program Studi Komunikasi dan Penyiaran Islam, Fakultas Dakwah, Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jcs.v4i2.7035

Abstract

This study aims to determine and analyze cases of sexual violence in the media experienced by millennial Muslim women. The research method used is a qualitative descriptive approach with a feminist perspective with a phenomenological approach. The objects of research studied include social media in the form of WhatsApp, Twitter, Instagram, and Facebook. Meanwhile, millennial Muslim women who are active on social media and have experienced cases of online-based sexual violence are the subjects of the study. Data sources were obtained through observation by distributing questionnaires. Data analysis was carried out by reviewing, organizing data and finding research results that can be reported systematically. The results of the study show that millennial Muslim women have experienced many cases of sexual violence on various social media, including sexting (sex texting), to threats to spread pornographic videos. Anonymity on social media allows perpetrators to feel freer to express themselves, so cases of sexual violence on online media are more likely to occur. Among the prevention efforts offered by researchers are social media campaigns about the dangers of online sexual violence and being wise in using social media as well as early sex education
Reconceptualizing Local Wisdom Values in Regulations for Micro and Small Enterprises in Maluku to Support Local Economic Development Ikhwansyah, Isis; Rahmawati, Ema; Hetharie, Yosia
PADJADJARAN JURNAL ILMU HUKUM (JOURNAL OF LAW) Vol 12, No 1 (2025): PADJADJARAN JURNAL ILMU HUKUM (JOURNAL OF LAW)
Publisher : Faculty of Law, Universitas Padjadjaran

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

Abstract

This study seeks to examine and evaluate the efficacy of implementing the principle of "Bhinneka Tunggal Ika" (unity in diversity), which embodies local wisdom, in the governance of micro and small enterprises in Maluku Province as an aspect of local legal development. The principle of Bhinneka Tunggal Ika needs to be incorporated into laws and regulations, particularly regional legal mechanisms related to micro and small enterprises, in compliance with the Law on the Formation of Legislation. In Maluku's legal landscape, many regional legal products pertaining to micro and small enterprises fail to incorporate the principles of local wisdom into their content. This socio-legal investigation study integrates empirical legal research methods with doctrinal legal research. Primary and secondary data were gathered through interviews and literature reviews. The study results suggest that the legal protection provided to micro and small enterprise owners in Maluku has been ineffective. In addition, the legal content of regional legal products in Maluku fails to adequately account for value derived from local wisdom, as required by statutory provisions. Thus, it is necessary to reconsider incorporating values from local wisdom into various regional legal instruments related to developing and empowering micro and small enterprises in Maluku. This approach will support regional flagship products while facilitate the growth within the local economy, preserving the values of local wisdom in the face of global developments.
ANALISIS PENGARUH PART PER MILLION (PPM) SUCOLITE TERHADAP KEKERUHAN PENGOLAHAN AIR BAKU (SUNGAI) PDAM: Kata Kunci: Air, Standarisasi, Sucolite. Rahmawati, Ema; Putri, Fraya Anggraini; Rahmawati, Diah Ayu; Putri, Nugrahani Primary
Inovasi Fisika Indonesia Vol. 14 No. 1 (2025): Vol 14 No 1
Publisher : Prodi Fisika FMIPA Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/ifi.v14n1.p103-107

Abstract

Air merupakan salah satu sumber daya alam yang memiliki peranan penting dalam kehidupan. Makhluk hidup membutuhkan air bersih untuk memenuhi kebutuhannya. Jumlah kebutuhan air bersih semakin meningkat seiring bertambahnya jumlah penduduk. Air bersih untuk dikonsumsi haruslah dikelola berdasarkan standarisasi air minum, sehingga dilakukan pengawasan dan surveilans kualitas air. PDAM PT. Hanarida Tirta Birawa mengacu standarisasi Baku Mutu Air Minum V Golongan II. Bahan baku air yang akan dikelola tersebut berasal dari air sungai pelayaran dengan kualitas air yang berubah-ubah dan tidak selalu bagus. Sehingga perlu untuk memperoleh kualitas air yang baik, PT. Hanarida Tirta Birawa melakukan pengujian  jartest guna menentukan takaran penggunaan bahan kimia sucolite atau sucolite terpilih agar dapat menghasilkan air minum sesuai dengan standarisasinya. Kata Kunci: Air, Standarisasi, Sucolite. Abstract Water is one of the natural resources that has an important role in life. Living things need clean water to fulfill their needs. The amount of clean water demand is increasing as the population increases. Clean water for consumption must be managed based on drinking water standards, so water quality monitoring and surveillance is carried out. PDAM PT Hanarida Tirta Birawa refers to the standardization of Drinking Water Quality Standard V Group II. The raw water that will be managed comes from the shipping river with water quality that changes and is not always good. So, it is necessary to obtain good water quality, PT Hanarida Tirta Birawa conducts jar test testing to determine the dose of sucolite or selected sucolite chemicals to produce drinking water in accordance with its standardization.  Keywords: Water, Standardization, Sucolite.  
Visualizing Tourism Sustainability through Smart Tourism Technology in Lake Toba, Indonesia Are, Robert La; Hendratono, Tonny; Ihalau, John JOI; Bahri, Asep Syaiful; Rahmawati, Ema
Jurnal Syntax Transformation Vol 6 No 4 (2025): Jurnal Syntax Transformation
Publisher : CV. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jst.v6i4.1077

Abstract

Lake Toba, is one of the tourist destinations currently being developed into a leading destination in the North of Sumatera, Indonesia. With the cultural diversity of the Batak Tribe and its rich history, Lake Toba has become a popular destination for both domestic and international tourists. One of the key concepts implemented in this destination is the application of digital technology, such as online payment, online information, and online booking and reservation systems. This study analyses the impact of technology utilization on the well-being of tourists visiting Lake Toba. Focusing on smart tourism technology, this research explores the relationship between digital usage experience, memorable tourism experiences, revisit, and tourist recommendations. Data were collected through surveys of tourists who had visited Lake Toba. A quantitative analysis method was used to examine the relationships between variables. The results show that using smart tourism technology significantly enhances the tourist experience, positively affecting their intention to revisit and recommend the destination to others. Memorable tourism experiences also play a key role in improving the overall well-being of tourists. This research contributes to developing technology-based tourism strategies to enhance tourist satisfaction which will lead to revisit and recommendations, ultimately influencing tourist behavior.
Increasing the Loyalty of Tourists in Batulayang Bogor Tourism Village, West Java, Indonesia, with Operational Risk Management Mediated by Memorable Tourism Experience Bahri, Asep Syaiful; Sugiarto, Sugiarto; Hendratono, Tonny; Rahmawati, Ema; Are, Robert La
Asian Journal of Social and Humanities Vol. 3 No. 7 (2025): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v3i7.547

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The impact of operational risk management on visitors' memorable experiences, intention to return, and intention to refer Batulayang Tourism Village is investigated in this study.  The study tackles the important topic of how poorly managed operational risks, like subpar amenities and safety issues, impact visitor loyalty and pleasure.  Effective risk management is crucial for preserving satisfying experiences and encouraging return visits in Indonesia's tourism industry, which is becoming more and more competitive.  Research on operational risk management in rural tourism communities like Batulayang is still scarce, leaving a gap in our knowledge of its precise effects on rural destinations. Prior studies have concentrated on more general tourism contexts. This study is innovative because it uses a mixed-method approach to provide deeper insights into how risk management might enhance visitors' experiences and affect their future behavior. It focuses on operational risk management in rural tourism settings.  In order to provide useful advice for tourist managers, the study aims to investigate how operational risk management affects visitors' intentions to return and promote the town.  In order to support the sustainable growth of rural tourism in Indonesia, it is anticipated that the findings will assist tourism stakeholders in raising service quality, improving visitor happiness, and boosting industry competitiveness.
Luxury Transportation Innovations for Sustainability: Implementing of Research & Development Rahmawati, Ema; Sugiarto, Sugiarto; Hendratono, Tonny; Are, Robert La; Bahri, Asep Syaiful
Asian Journal of Social and Humanities Vol. 3 No. 7 (2025): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v3i7.548

Abstract

This research focuses on the use of Artificial Intelligence (AI) and Virtual Reality (VR) in luxury tourism buses, specifically the Omah Sultan Juragan 99 Trans in Malang, East Java, Indonesia. The research and development (R&D) approach, supported by qualitative and quantitative data, aims to evaluate the effectiveness of AI and VR in enhancing the tourist experience. Through in-depth observations, interviews with key informants, and field trials, the study investigates various elements, such as smart technology, VR services, AI as a virtual guide, and the overall user experience. The findings show that the integration of AI and VR enhances the travel experience by providing personalized virtual tours, improving the service quality, and contributing to the sustainability of the luxury bus service. The study results suggest that AI and VR can play a pivotal role in modernizing tourism transportation by offering innovative, immersive, and interactive tourist experiences. The innovation of AI and VR in this context is a groundbreaking contribution to the tourism sector, addressing the emerging demand for personalized, high-tech travel services in luxury transportation. Future research can further explore the scalability of these technologies across different regions and tourism sectors to validate their broader applicability.
Legal Protection for Users of Crypto Assets in Futures Exchange Transactions Fidel, Yohanes; Lastuti Abubakar; Ema Rahmawati
JUSTISI Vol. 11 No. 3 (2025): JUSTISI
Publisher : Fakultas Hukum Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/js.v11i3.3913

Abstract

This study aims to understand the form and effectiveness of legal protection for consumers of crypto assets before and after the enactment of Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (PPSK Law) and Financial Services Authority Regulations (POJK) Number 27 of 2024 and POJK Number 3 of 2024. The method used is normative legal research with a legislative approach and qualitative descriptive analysis techniques. This approach was chosen to explore the substance of legal norms and assess the practical implications of regulatory changes on the rights of consumers who use crypto assets. The novelty of this research lies in its critical analysis of the changes in the supervisory regime from the perspective of legal protection for digital asset consumers, which has not been comprehensively discussed before. This research is relevant amid the dynamic development of the rapidly evolving and complex digital financial sector, particularly following the enactment of the PPSK Law and the OJK's derivative regulations. The results of the study indicate that prior to the implementation of the latest regulations, legal protection for consumers of crypto assets was minimal and sectoral in nature, with a focus on commodity aspects by BAPPEBTI. This resulted in weak protection against risks such as value fluctuations, fraud, and threats to digital transaction security. However, after being transferred to the OJK, the protection approach became more integrated through the regulation of business licenses, clearing systems, digital asset storage governance, and more adequate dispute resolution mechanisms. In conclusion, the transfer of regulatory authority to the OJK significantly strengthens legal protection for cryptocurrency consumers in Indonesia. The new regulations enhance legal certainty and increase user confidence, while also fostering the development of a more transparent, accountable, and consumer-oriented digital asset ecosystem.
Beyond Confidentiality: Advocates’ Reporting Duties in the War Against Money Laundering Adinda, Fadhel Arjuna; Rahmawati, Ema; Suparman, Eman; Sutiyoso, Bambang; Hamzah, Rosyidi; Woodward, John
Indonesian Journal of Advocacy and Legal Services Vol. 7 No. 1 (2025): The Global Challenges on Advocacy and Law Enforcement
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/ijals.v7i1.21893

Abstract

The Principle of Recognizing Service Users (Prinsip Mengenali Pengguna Jasa, PMPJ), as outlined in Article 3 of Government Regulation No. 61 of 2021 concerning Amendments to Government Regulation No. 43 of 2015 on Whistleblowers in the Prevention and Eradication of Money Laundering Crimes, underscores the role of advocates as mandatory whistleblowers. This creates legal challenges regarding its implementation, resulting in a dialectical tension with the central argument that while PMPJ obligations are firmly grounded in normative legal frameworks, advocates—who are explicitly required to uphold these provisions—find no compelling legal basis for such duties in Law No. 18 of 2003 on Advocates (the Advocate Law). The principle of Lex Superior Derogat Legi Inferior further complicates this issue, as it suggests that the Advocate Law, being of a higher legal order, supersedes the obligations imposed by PMPJ. The primary objective of this study is to critically analyze the implementation of PMPJ, specifically focusing on the supporting and inhibiting factors in the context of preventing and combating money laundering crimes. The findings highlight that the failure to optimally implement PMPJ within the advocate profession is largely due to the unresolved legal dialectic surrounding the obligations of advocates. This issue has not been addressed in prior studies, representing a novel contribution of this research. Consequently, this study proposes the need for a reformulation of the Advocate Law, emphasizing the explicit inclusion of advocates' obligations regarding the implementation of PMPJ principles.
PENATAAN UMKM INDONESIA DI ERA DIGITAL YANG BERKEMANFAATAN HUKUM: PERBANDINGAN DENGAN TIONGKOK Hetharie, Yosia; Ikhwansyah, Isis; Rahmawati, Ema
Jurnal IUS Kajian Hukum dan Keadilan Vol. 13 No. 2 (2025): Jurnal IUS Kajian Hukum dan Keadilan
Publisher : Magister of Law, Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ius.v13i2.1688

Abstract

The legal empowerment of Micro, Small, and Medium Enterprises (MSMEs) involves strategic policies aimed at enhancing the resilience and competitiveness of the MSME sector within a national legal framework. This encompasses aspects such as licensing, regulatory compliance, capacity building, market access, technological integration, financing mechanisms, and institutional collaboration among the government, private sector, and civil society. In the era of digital transformation, many Indonesian MSME owners face significant challenges due to limited capacity to adapt to rapid technological advancements, hindering their legal and commercial development. This research adopts a normative juridical method with a comparative legal approach, utilizing literature-based analysis to examine regulatory frameworks and institutional practices. As a contribution to strengthening the legal empowerment framework for MSMEs in Indonesia, this article offers a novel perspective by proposing a hybrid legal empowerment model that integrates Indonesia’s normative and principle-based legal tradition with a pragmatic, centralized governance approach as exemplified by China. It argues that legal empowerment for Indonesian MSMEs in the digital era cannot rely solely on deregulation or administrative simplification. Rather, a more comprehensive strategy is required—one that includes state-led legal facilitation, community-based digital legal literacy initiatives, and institutional redesign that systematically embeds MSMEs into the broader legal development agenda. This integrated model is proposed as a forward-looking framework to bridge Indonesia’s legal empowerment gap and to promote inclusive and sustainable growth of MSMEs within the digital economy.
Co-Authors Aam Suryamah Abubakar, Lastuti Adinda, Fadhel Arjuna Adzdzakiy, Muhammad M. Afriana, Anita Agus Pratiwi Agustinus Pandiangan, Lumiere Rejeki Agustiyani, Dian F. Alamanda, Cut NC. Andri Wardiana, Andri Anita Afriana Anita Afriana Are, Robert La Asep Syaiful Bahri, Asep Syaiful Asyifa, Isnaini Z. Bambang Suseno Bambang Sutiyoso Chandra, Muliyadi Damayanti, Elok Deviana Yuanitasari Dharmayanthi, Anik B. Dhian Anggraini, Fera Disyon, Huta Diva Davina, Nathania Elisatris Gultom Eman Suparman Fera Dhian Anggraini Fibriani, Azzania Fidel, Yohanes Fiona Chrisanta Gagih Pradini Haikal Yushendri, Muhammad Hamzah, Rosyidi Hendratono, Tonny Hetharie, Yosia Holyness Nurdin Singadimedja Holyness Singadimeja Husna, Anisatul Ihalau, John JOI Iryanto, Syam B. Isis Ikhwansyah Karsona , H. Agus Mulya Karsona, H. Agus Mulya Kartika Eka Pertiwi Kasmin Kris Cahyani Ermawati Kusumaningrum, Anisa Putri Lastuti Abubakar Lastuti Abubakar Lastuti Abubakar Lastuti Abubakar Linda Rachmainy Mantili, Rai Muhamad Amirulloh, Muhamad Nasrulloh, Mukh F. Ndaru Prasastono Ningrum, Ratih A. Noviastuti, Nina Nugrahani Primary Putri Nugroho, Herjuno A. Nyulistiowati Suryanti Pangihutan, Kaiji Natanael Pertiwi, Hana Febrianti Pradini, Gagih Prasetyoputri, Anggia Putri, Fraya Anggraini Putri, Rahmi Adriani Rachman, Rifky W. Rafika Annisa Sari Rahmawati, Diah Ayu Rai Mantili Rai Mantili Ratnawati, Indah Raysa Mayasonda Ristandi, Ryan B. Robiani, Rini Saputra, Sugiyono Sativa, Alvira R. Setiawan, Muhammad Vikri sherly Ayuna Putri Soerjati , Enni Soplantila, Valentino Dinatra Sudaryat Sudaryat Sudaryat Sugiarto S Suntari, Yustia Wisnuwardhani, Popi H. Woodward, John Wulandari, Ari S. Yanthi, Nova D. Yushendri , Muhammad Haikal