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All Journal Tabayyanu : Journal of Islamic Law ISNU Nine-Star Multidisciplinary Journal (INS9MJ)
Mutiara Khalishah
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Pernikahan Usia Dini Dalam Perspektif Hukum Islam  Dan  UU Perkawinan Di Indonesia Manik, Melin; Aripa Syawalia; Putri Azri Sipahutar; Zahra Balqis Ananda Lubis; Mutiara Khalishah
Tabayyanu : Journal Of Islamic Law Vol. 1 No. 02 (2024)
Publisher : Yayasan Dar Arrisyah Indonesia

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Abstract

In this article, we examine early marriage from the perspective of Islamic law and marriage law in Indonesia. The aim is to find out the flexible age limit if you want to get married as stipulated in the law, namely the minimum age for men and women is 19 years. However, there are still many marriages that occur below the specified age limit. This research uses qualitative research methods, namely using a field study and analytical descriptive approach. The results of this research show that in jurisprudence it is permissible to marry under the age of consent based on the provisions of statutory regulations. According to him, in marriage, maturity (maturity) is the most important thing, apart from having the physical and spiritual ability to form a family. Meanwhile, the law prohibits the continuation of marriages under this age limit, but there is still the option of carrying out a marriage through a marriage dispensation from the parents.
The Effectiveness of OJK Supervision on Insurance Companies in Default: A Case Study of Jiwasraya Handro Kurnia Sitorus; Fatima Panggabean; Mutiara Khalishah; Naufal Akbar
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.v2i3.937

Abstract

The supervision of the Financial Services Authority (OJK) over insurance companies is an important aspect in order to maintain financial sector stability, protect customer interests, and maintain public trust. This study aims to analyze the effectiveness of OJK supervision on insurance companies, the causes of OJK's failure to supervise Jiwasraya, and reform efforts that can be implemented for future improvements. The method used is qualitative with a normative juridical approach, namely examining laws and regulations, OJK reports, Jiwasraya financial statements, and other relevant literature. Data collection was carried out through literature studies and analyzed qualitatively-descriptively. The results of the study show that the effectiveness of OJK supervision is still low due to the weakness of Jiwasraya's governance, the limited capacity and authority of the OJK, and external influences that make it difficult for the OJK to act decisively and independently. Supervision still relies on internal reports and detects problems late, so that Jiwasraya's problems accumulate and become a crisis. In its reform efforts, the OJK needs to improve its capacity, technology, and supervisory approach, encourage more transparent governance of insurance companies, and maintain its independence for the sake of creating stability, trust, and customer protection. This research is expected to be an important input for the improvement of Indonesian insurance regulations and supervision.  
Co-Authors Aripa Syawalia Fatima Panggabean Handro Kurnia Sitorus Manik, Melin Naufal akbar Putri Azri Sipahutar Zahra Balqis Ananda Lubis