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Perlindungan Hukum Pemegang Polis Asuransi Jiwa Terhadap Penetapan Klausula Baku Santri, Selvi Harvia; Rahdiansyah, Rahdiansyah
UIR Law Review Vol. 4 No. 1 (2020): UIR Law Review
Publisher : UIR Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/uirlrev.2020.vol4(1).4571

Abstract

The agreement that occurred between the insurance company and the insured was outlined in the policy. The insurance policy is standard or standard, meaning that the policy has been issued in advance by the insurance company. According to the provisions of the policy or form of insurance agreement with any name, the following attachments may not contain different words or interpretations, but in reality the policies issued by insurance companies contain languages ​​that contain different interpretations by the parties resulting in the rejection of the claims submitted by the insured or the holder policy. The issues raised in this paper are how is the standard contract arrangements for life insurance policies in Indonesia and how is the form of legal protection of policy holders for the application of life insurance policy standard clauses in Indonesia? The research method used is empirical juridical by conducting field observations through interviews to the parties later Interview results are analyzed in accordance with insurance regulations in Indonesia. The purpose of this paper is to find out the rules governing standard life insurance contracts in Indonesia and to find out the form of legal protection for policy holders against the application of a standard life insurance policy clause in Indonesia. Standard contract arrangements in Indonesia are regulated based on OJK Financial Services Authority Regulation No. 1 / POJK.07 / 2013 and Law No. 8 of 1999 concerning consumer protection and Government Regulation No. 73 of 1992 Article (19), and Law No. 40 of 2014 concerning Insurance Business, while the form of legal protection of policyholders in applying standard contracts to life insurance policy is an insurance company responsible for providing compensation if a claim is claimed by the insured, which has fulfilled the provisions in the life insurance policy, if it raises a dispute the insured is entitled to settle a dispute through a mediation institution based on Article 54 CHAPTER XI of Law number 40 concerning Insurance namely regarding the legal protection of policyholders, for the insured and insurance companies.
PENERAPAN AZAS KEADILAN PADA PERJANJIAN ASURANSI DALAM UPAYA MEMBERIKAN PERLINDUNGAN HUKUM TERHADAP PEMEGANG POLIS Santri, Selvi Harvia
UIR Law Review Vol. 8 No. 1 (2024): UIR Law Review
Publisher : UIR Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/uirlrev.2024.vol8(1).15691

Abstract

Humans will always face risks that cause losses in carrying out their daily activities, both risks to property and life. The policy serves as written proof that insurance has occurred. In the case of taking out a policy, the position of the insurer will be stronger than that of the policy holder or insured so that injustice occurs, where in practice the policy has been prepared by the insurance company, so this brings benefits to the insurance company itself, the company has the right to determine the contents of the agreement, the party The insured is in a weak position because he does not participate in determining the contents of the agreement, so a form of legal protection is needed for the policy holder or insured (consumer). There is an imbalance between the rights and obligations of the parties. So there is the potential for insurance companies to tend to protect their interests in such a way by setting a number of provisions that limit the rights of the insured so that the standard contract can become a unilateral clause
Prospects And Challenges of Sharia Insurance (Takaful) for The Economy Selvi Harvia Santri; Rosyidi Hamzah
Law Development Journal Vol 8, No 2 (2026): June 2026
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ldj.8.2.655-671

Abstract

This article examines the prospects and challenges of Islamic insurance for the Indonesian economy. The concept of Islamic insurance stems from differing views on conventional insurance, which lacks religious consultation. The growing demand for Islamic insurance (takaful) is supported by the majority of the Muslim population. However, Islamic insurance faces numerous challenges in its implementation. Islamic insurance is also believed to have excellent prospects for supporting the Indonesian economy. This paper aims to determine the prospects and challenges facing Islamic insurance in supporting the Indonesian economy. This research uses conceptual and legislative approaches. The paper concludes that the challenge facing Islamic insurance for the Indonesian economy is public non-compliance with Islamic insurance regulations and principles, which gives rise to legal issues within the community. The relatively new nature of Islamic insurance has led to a lack of reliable resources compared to conventional insurance institutions, which are far more experienced and possess reliable human resources. The potential of Islamic insurance for economic progress in Indonesia lies in its role as a non-financial institution for the community, functioning as a risk transfer agent. Most of the premium funds are invested through Sharia-compliant banks, which are useful in supporting the provision of capital for entrepreneurs, thereby helping people improve their standard of living and contributing to Indonesia's economic progress.
Press Law Education for Journalists in Facing the Risks of Digital Criminalization Syafriadi, Syafriadi; Efendi, Akmar; Santri, Selvi Harvia; Azzahra, Rahima; Parsa, Faizi
AIWADTHU: Jurnal Pengabdian Hukum Volume 6 Issue 1, March 2026
Publisher : Faculty of Law, Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47268/aiwadthu.v6i1.3677

Abstract

Introduction: In the digital era, journalists increasingly face the risk of criminalization due to journalistic work interpreted through multi-interpretative provisions of the Electronic Information and Transactions Law and the Criminal Code. This condition creates tension between press freedom as a constitutional function and law enforcement practices that ignore the Press Law as lex specialis.Purposes of The Devotion: The purpose of this article is to provide legal education for journalists to strengthen their understanding of press law and reduce the risk of digital criminalization in journalistic practices.Method of The Devotion: This community service activity employed legal education methods through lectures, discussions, and case studies involving journalists to enhance awareness of press freedom, social responsibility, and press dispute resolution mechanisms.Results Main Findings of the Devotion: The results of the community service activity indicate an increase in journalists’ understanding and legal awareness regarding the balance between press freedom and social responsibility in carrying out the journalistic profession. Participants gained a more comprehensive understanding of the risks of digital criminalization, particularly those arising from the application of multi-interpretable provisions in the Electronic Information and Transactions Law (UU ITE). In addition, this activity encouraged journalists to implement preventive measures through the strengthening of journalistic ethics, fact verification, and compliance with the principles of press law.
Optimalisasi Pasir Kuarsa Lokal Sebagai Material Proppant dalam Hydraulic Fracturing Studi Edukatif di SMK Migas Bumi Melayu Riau Novrianti Novrianti; Richa Melysa; Selvi Harvia Santri; M Tegar Satria P; Leo Edoardo P
CANANG: Jurnal Pengabdian Masyarakat Vol 6, No 1 (2026)
Publisher : PELANTAR PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52364/canang.v6i1.78

Abstract

This Community Service Program (PKM) aims to enhance students’ understanding and skills in hydraulic fracturing technology at SMK Migas Bumi Melayu Riau, with a particular focus on proppant materials and reservoir permeability. The partner institution faces challenges related to limited hands-on learning opportunities and a lack of instructional materials that integrate oil and gas concepts with local resources. Riau Province has abundant quartz sand resources, which were utilized in this program as an educational medium to support vocational learning. The program was implemented using an educational and participatory approach that included lectures, interactive discussions, and the introduction of local quartz sand as a simulation material for proppants used in hydraulic fracturing. The activity was conducted on December 12, 2025, at SMK Migas Bumi Melayu Riau and involved students from the Oil and Natural Gas Production Engineering program. The results demonstrated an improvement in students’ understanding of the fundamental concepts of hydraulic fracturing and the role of proppants, as well as an increased interest in the utilization of local resources for oil and gas applications. The program also produced learning modules and educational media that can be used sustainably by the partner institution to support future instructional activities. Overall, this PKM program contributes to strengthening vocational education based on regional potential and supports the development of skilled young human resources who are better prepared to meet the challenges of the oil and gas industry.
Press Freedom Paradox in Indonesia's Electoral Democracy and Local Governance Syafriadi Syafriadi; Selvi Harvia Santri; Akmar Efendi
Jurnal Ius Constituendum Vol. 11 No. 3 (2026): OCTOBER
Publisher : Magister Hukum Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/jic.v11i3.13560

Abstract

This study examines the implementation of press freedom within Indonesia’s electoral democracy and evaluates its role in promoting transparency and accountability during the 2024 Simultaneous Regional Elections. The issue is significant because democratic quality depends not only on electoral procedures but also on the availability of independent and credible public information. This research employs a mixed doctrinal–empirical legal approach by integrating constitutional and statutory analysis with qualitative sociological observation of media practices, political intervention, ownership structures, economic dependency, and digital information dynamics during the electoral process. The findings reveal a persistent paradox of press freedom in Indonesia. Although constitutional provisions and Law No. 40 of 1999 formally guarantee media independence, journalistic practices remain constrained by political patronage, media ownership concentration, regulatory fragmentation, economic pressures, and digital disinformation. These conditions weaken informational integrity, encourage selective news framing, and limit democratic deliberation. The novelty of this study lies in the development of the concept of hybrid media democracy, which explains press freedom as simultaneously functioning as a constitutionally protected democratic institution and a socio-political system shaped by political and economic interests. The study contributes to the literature by integrating constitutional law, democratic governance theory, and media sociology into a unified analytical framework that explains the gap between formal press freedom and substantive democratic outcomes. Strengthening democracy therefore requires legal protection, institutional autonomy, transparent media governance, and enhanced digital media literacy.
  Meningkatkan Kesadaran Hukum Dan Budaya Hukum Bagi Masyarakat Kepenghuluan Tumang Perspektif Hukum Agraria Zulherman Idris; Rosyidi Hamzah; Ellydar Chaidir; Selvi Harvia Santri; Syafriadi Syafriadi; Ardiansyah Ardiansyah; Moza Dela Fudika; Wandi Wandi; Yuliana Indah Sari; R. Febriani Andarina Zaharnika; Yopita Rani Amelia; M. Aulia Rizki; Arief Hidayat
ARSY : Jurnal Aplikasi Riset kepada Masyarakat Vol. 7 No. 2 (2026): ARSY : Jurnal Aplikasi Riset kepada Masyarakat
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/p0xs0s96

Abstract

Hukum Agraria mengatur tentang Penguasaan Hak atas Tanah. Hak atas tanah merupakan salah satu aspek yang paling fundamental dalam kehidupan masyarakat Indonesia. Tanah bukan hanya sekadar aset ekonomi, melainkan juga memiliki dimensi sosial, budaya, politik, dan spiritual. Salah satu bentuk hak atas tanah yang diatur dalam sistem hukum agraria Indonesia adalah Hak Guna Usaha (HGU) yang diatur dalam UU No 5 Tahun 1960 tentang Pokok-Pokok Agraria ( UUPA). Di sisi lain, kawasan hutan mempunyai rezim hukum tersendiri. Undang-Undang Nomor 41 Tahun 1999 tentang Kehutanan. Persoalan menjadi semakin kompleks karena terdapat penerbitan  (HGU) di atas kawasan hutan produksi. Tumpang tindih hak atas tanah (HGU) di kawasan hutan produksi terjadi karena adanya dualisme kewenangan administrasi antara Badan Pertanahan Nasional dan Kementerian Kehutanan. Hal ini mengakibatkan ketidakpastian hukum dan berpotensi mengurangi perlindungan bagi pemegang hak atas tanah di kawasan hutan. Adapun tujuan dari Pengabdian ini untuk meningkatkan pengetahuan masyarakat Kampung Tumang mengenai hukum Agraria. Pelaksanaan pengabdian ini dilakukan di Kantor Kepenghuluan Tumang, Siak dengan metode diskusi dan pemaparan materi secara langsung oleh Narasumber kepada para peserta. Hasil kegiatan menunjukkan masyarakat dapat menumbuhkan rasa kesadaran hukum serta karakter budaya hukum dalam perspektif agraria yang berhubungan dengan hak atas tanah.
Analisis Yuridis Terhadap Perjanjian Jual Beli Buah Kelapa Sawit Di PT Mondrad Kecamatan Rumbai Pesisir Satriono; Selvi Harvia Santri
IURIS NOTITIA : JURNAL ILMU HUKUM Vol. 4 No. 2 (2026): Oktober 2026
Publisher : Ninety Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69916/iuris.v4i2.657

Abstract

Penelitian ini membahas pelaksanaan perjanjian jual beli buah kelapa sawit antara PT Mondrad dan masyarakat pemilik kebun di Kecamatan Rumbai Pesisir serta faktor-faktor yang memengaruhi pelaksanaannya. Penelitian ini bertujuan untuk mengetahui kesesuaian pelaksanaan perjanjian dengan hak dan kewajiban para pihak serta mengidentifikasi faktor yang memengaruhi pelaksanaan perjanjian. Penelitian menggunakan metode hukum empiris dengan data primer dan sekunder yang diperoleh melalui wawancara, kuesioner, dan dokumentasi terhadap pihak PT Mondrad dan masyarakat pemilik kebun. Data dianalisis secara kualitatif dengan membandingkan temuan lapangan dengan ketentuan hukum yang berlaku. Hasil penelitian menunjukkan bahwa pelaksanaan perjanjian meliputi tahap pra-perjanjian dan kesepakatan, tahap pelaksanaan, serta tahap penyelesaian pembayaran. Pelaksanaannya belum optimal karena sebagian masyarakat kurang memahami isi perjanjian, tidak dilibatkan dalam penentuan isi perjanjian baku, terbatasnya komunikasi, kurangnya transparansi mengenai potongan biaya operasional, serta adanya perbedaan penilaian terhadap kualitas buah kelapa sawit. Penelitian menyimpulkan bahwa diperlukan peningkatan transparansi, penerapan itikad baik, keterlibatan yang seimbang, serta kejelasan mengenai harga, kualitas, penimbangan, dan pembayaran untuk mewujudkan kepastian hukum dan keseimbangan hak serta kewajiban para pihak.