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All Journal Tabayyun : Journal of Islamic Studies ISNU Nine-Star Multidisciplinary Journal (INS9MJ)
Riski Ayunda
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Tinjauan Fiqh Siyasah Terhadap Koruptor Yang Ingin Kembali Menjadi Pejabat Riski Ayunda; Nadhila Safira; Sitorus, Senny Kristina Putri; Mehnaj Ayuda; Rimbun, Zulfirmansyah
Tabayyun : Journal Of Islamic Studies Vol. 2 No. 02 (2024)
Publisher : Tabayyun : Journal Of Islamic Studies

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Abstract

Various efforts have been made to prevent corruption crimes, but they are still happening by certain individuals and institutions. Several former corruption convicts plan to register to become part of the legislature, including the DPR, DPRD, and DPD in the 2024 elections. Corruption can have a significant impact on society, politics, and the country's economy. Fiqh Siyasah's views related to former corruptors who want to return to office are discussed in this context. However, Article 240 Paragraph 1 letter g of Law Number 7 of 2017 concerning General Elections does not prevent former corruptors from fighting in the General Election.
Insurance Consumer Protection in Case of Default by Life Insurance Companies: Civil Law and OJK Perspectives Rachel Sabina Azzahra; Riski Ayunda; Maulana Sutan Hasibuan; Shenny Kristina Putri Sitorus; Kelvin Alvaro
ISNU Nine-Star Multidisciplinary Journal Vol. 2 No. 3 (2025): Vol.2 No.3 Desember 2025
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/ins9mj.v2i3.922

Abstract

The failure of life insurance companies to meet their claim payment obligations is a serious problem that not only harms consumers, but also has an impact on declining public trust in the national insurance industry. The phenomenon of default shows weaknesses in legal protection for policyholders and the effectiveness of supervision of insurance companies. This study aims to analyze the form of legal protection for life insurance consumers in default cases through two main perspectives, namely civil law and regulations issued by the Financial Services Authority (OJK). The research method used is normative juridical with a legislative approach and case studies, which are analyzed qualitatively to assess the applicable legal norms. The results show that civil law provides a basis for protection through the principle of engagement and default mechanisms, but its application is often ineffective in providing legal certainty for consumers. On the contrary, OJK regulations have a more strategic role through supervision, administrative sanctions, and consumer dispute resolution mechanisms. However, legal protection still faces obstacles in the form of weak regulatory enforcement, information inequality, and low public insurance literacy. Therefore, it is necessary to strengthen the role of the OJK, establish a policy guarantee scheme, and increase financial literacy to ensure the protection of life insurance consumers in a sustainable manner.
Co-Authors Kelvin Alvaro Maulana Sutan Hasibuan Mehnaj Ayuda Nadhila Safira Rachel Sabina Azzahra Rimbun, Zulfirmansyah Shenny Kristina Putri Sitorus Sitorus, Senny Kristina Putri