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All Journal Journal of Shariah Economics
Ernu Widodo
Universitas Dr. Soetomo Surabaya
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Implikasi Hukum Status Tersangka Terhadap Hak Klaim Asuransi Gatra Sandhitya Kurnia Putra; Ernu Widodo; Moh. Taufik
JOURNAL OF SHARIA ECONOMICS Vol. 4 No. 2 (2022): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v4i2.1145

Abstract

In the context of Indonesian law, the status of a suspect in a criminal case can have significant legal implications, including regarding insurance claim rights. In many cases, individuals who are suspects in criminal cases often face difficulties in obtaining the insurance claims they submit, whether related to life insurance, accident insurance, or other types of insurance. This article aims to examine how suspect status can affect a person's insurance claim rights, as well as how legal rules and insurance practices in Indonesia regulate claim rights in this case. This research uses a descriptive qualitative approach with literature study methods and in-depth interviews with legal practitioners, insurance experts, and parties involved in the insurance claims process. The research results show that although in many cases insurance claims are not automatically rejected due to suspect status, there are administrative procedures that often limit claim rights, as well as the potential for legal discrimination in insurance practices.
Penerapan Hukuman Mati Dalam Kasus Narkotika di Indonesia Hardian Estu Prabowo; Ernu Widodo; Vieta Cornelli; Hartoyo .
JOURNAL OF SHARIA ECONOMICS Vol. 4 No. 1 (2022): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v4i1.1186

Abstract

The circulation and abuse of narcotics in Indonesia has reached avery alarming stage and has had a far-reaching impact on socialorder, public health, and the future of the nation's future generations.The government has responded to this phenomenon by imposingstrict sanctions, including the death penalty, against perpetrators ofnarcotics crimes as a form of repression and deterrent. This studyaims to examine the legal regulations regarding the death penalty fornarcotics crimes in Indonesia and assess the effectiveness of itsimplementation in eradicating narcotics crimes. The research methodused is normative juridical with a legislative approach and casestudies. The results show that the legal basis for the death penalty innarcotics cases is stipulated in Law Number 35 of 2009 and theCriminal Code, and is reinforced by the decisions of the ConstitutionalCourt. However, its implementation continues to reap pros and consfrom a human rights perspective. The effectiveness of the deathpenalty in eradicating narcotics trafficking is considered suboptimaldue to the high number of violations, weak law enforcement, andpotential procedural violations. Therefore, an evaluation of the deathpenalty policy is necessary to ensure it aligns with the principles ofjustice, human rights protection, and the objectives of criminal lawitself.
Penegakan Hukum Terhadap Pelanggaran Kode Etik Yang Dilakukan Oleh Oknum Polisi Yefri Arraniri; Subekti .; Ernu Widodo
JOURNAL OF SHARIA ECONOMICS Vol 4 No 1 (2022): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v4i1.1337

Abstract

Law enforcement against law enforcement officers is a primary prerequisite for the realization of a democratic state based on the rule of law. This article aims to analyze in-depth the law enforcement mechanism against ethical code violations and criminal acts committed by members of the Indonesian National Police (Polri) and to identify the obstacles that affect its effectiveness. This research uses a normative juridical method with a statutory, conceptual, and comparative approach. The results of the study indicate that law enforcement against police officers is carried out through two main channels: criminal justice and the Indonesian National Police Professional Code of Ethics Commission hearings. Although an adequate normative framework is in place, its implementation still faces structural, cultural, and institutional obstacles, such as conflicts of interest, weak internal oversight, and low public participation. Therefore, strengthening the oversight system, transparency of the law enforcement process, and reform of the internal legal culture of the Indonesian National Police are necessary.
Analisis Hukum Perlindungan Konsumen terhadap Praktik Pinjaman Online Ilegal di Surabaya Slamet Supriyanto; Yoyok Ucok Suyono; Ernu Widodo
JOURNAL OF SHARIA ECONOMICS Vol 4 No 1 (2022): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v4i1.1356

Abstract

The rapid development of financial technology (fintech) has significantly improved public access to online lending services. However, it has also contributed to the proliferation of illegal online lending platforms, resulting in numerous violations of consumer rights. This study aims to analyze the legal protection afforded to consumers who become victims of illegal online lending practices based on Law Number 8 of 1999 concerning Consumer Protection, Law Number 27 of 2022 concerning Personal Data Protection, Financial Services Authority Regulation Number 22 of 2023 concerning Consumer and Public Protection in the Financial Services Sector, and Law Number 4 of 2023 concerning Financial Sector Development and Strengthening. This research employs a normative legal research method using statutory, conceptual, and case approaches. The data were collected through library research involving primary, secondary, and tertiary legal materials, which were analyzed using descriptive qualitative methods. The findings indicate that Indonesia has established a relatively comprehensive legal framework to protect consumers in the digital financial services sector. Nevertheless, the implementation of legal protection remains ineffective because illegal online lending providers operate outside the licensing and supervisory authority of the Financial Services Authority (Otoritas Jasa Keuangan). The study also identifies several weaknesses, including the absence of a specific legal framework governing financial technology lending, limited jurisdiction over cross-border perpetrators, inadequate inter-agency coordination, insufficient victim recovery mechanisms, and low levels of legal and financial literacy among the public. Therefore, strengthening regulatory harmonization, law enforcement, institutional coordination, and public education is essential to establish a more effective consumer protection system against illegal online lending practices in Indonesia.
Co-Authors Gatra Sandhitya Kurnia Putra Hardian Estu Prabowo Hartoyo . Moh. Taufik Slamet Supriyanto Subekti . Vieta Cornelli Yefri Arraniri Yoyok Ucok Suyono