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All Journal Journal of Contemporary Governance and Public Policy International Journal of Social Science SENTRI: Jurnal Riset Ilmiah Jurnal Riset Ilmiah AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Jurnal Penelitian dan Pengkajian Ilmiah
Karso, A. Junaedi
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Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences Other

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Penerapan Kebijakan Artificial Intelligence, Digitalisasi dan Rasionalisasi Industri Asuransi oleh Otoritas Jasa Keuangan RI Karso, A. Junaedi
CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah Vol. 2 No. 7 (2025): CENDEKIA : Jurnal Penelitian Dan Pengkajian Ilmiah, Juli 2025
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/cendekia.v2i7.1465

Abstract

To support the digitization  of Artificial Intelligence in the life insurance industry, OJK Regulation Number 13/POJK.02/2018 was issued concerning Digital Financial Innovation in the Financial Services Sector. This regulation contains provisions that oversee the supervision and regulation of the digital financial industry that transforms in business processes and the provision of services to consumers by optimizing the use of digital tools," he said. Government support is a breath of fresh air for the insurance industry to develop its business towards digital or insurance technology (insurtech). Rationality in Investing As previously reported, the relaxation of the easing of the premium payment deadline is regulated in OJK Letter Number S-11/D.05/2020 dated March 30, 2020. In this regulation, the OJK provides relaxation for all insurance, reinsurance, sharia insurance, and sharia reinsurance companies to extend the deadline to policyholders for 4 months from the original 2 months from maturity. There are three important things to consider before choosing an insurance product. First, prospective policyholders need to map out what needs they want to cover by having an insurance product. The right insurance product is one that suits the needs of its policyholders. For this reason, prospective policyholders also need to understand what a product offers, namely: 1). Adjust needs; 2). Second, what needs to be considered is, the availability of additional services provided by the insurance company; 3) The reputation of the insurance company. The things that need to be considered if a health insurance claim is rejected by an insurance company, including: 1). Claims that do not meet the policy provisions; 2). Claims filed outside the provisions of the policy; 3). The policy is in a lapse condition; 4). Completeness of documents that are not fulfilled; (5). Claims are included in the exclusion; 6). The claim has not passed the waiting period.
IRAN-ISRAEL SALING SERANG HARGA MINYAK MENTAH MERANGKAK NAIK DAMPAKNYA TERHADAP EKONOMI RI Karso, A. Junaedi
SINERGI : Jurnal Riset Ilmiah Vol. 2 No. 7 (2025): SINERGI : Jurnal Riset Ilmiah, Juli 2025
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/sinergi.v2i7.1471

Abstract

The shock of the conflict resurfaced after the Israeli military attacked Iran.  The Iranian government is considering closing the Strait of Hormuz. The strait is the main route for shipping oil to and from the Persian Gulf. "Saudi Arabia, Kuwait, Iraq and Iran are completely locked in one small lane for exports," he said. As a result of the Israeli-Iranian attack,  world crude oil prices  continue to rise after the escalation of the conflict in the Middle East; (1). Brent crude oil prices are estimated to increase to 75 US dollars per barrel, up 2 percent; (2). The price of Brent oil fell to 69 US dollars per barrel after which the price rose again, above 70 US dollars per barrel; (3). The attack opens up the possibility of disruption of oil supply to various countries. The impact of the Israeli-Iranian war on the global economy: (1). Oil prices rise-Global logistics are stuck; (2). Israeli Panic Buying; (3). Iran that has sent a counterattack has made the Israeli government panic.; (4). Russia can profit; (5). The price of Brent crude oil as a global benchmark jumped from US$ 69.36 to US$ 75 per barrel; (6). International Flight Delays; (7). A number of international airlines canceled flights to Israel and avoided Middle Eastern airspace.  Measuring the Impact  of the Iran-Israel Conflict on the Indonesian Economy from the Escalation of the Israeli-Iranian Conflict, namely: (1). Brent crude oil prices recorded an increase of 0.21 percent to 87.29 US dollars per barrel, while West Texas Intermediate (WTI) oil also increased by 0.5 percent to 83.14 US dollars per barrel; (2). For Indonesia, the rise in world oil prices means that the Government needs to rack its brains to hold the price of fuel oil (BBM) to remain affordable for the public. Indonesia's anticipation in overcoming the impact of the Iran-Israel conflict: (1). The government will not increase fuel prices until next June;  (2). The Iran-Israel conflict remains indirectly impacted because the attack between the two countries occurred near the Strait of Hormuz, which is one of the crucial logistics routes; (2). This conflict is likely to confront the Government of Indonesia with two dilemmas, namely between being forced to increase fuel prices or adjusting the fuel subsidy budget to contain price spikes.
Asuransi Syariah dalam  Menopang Pemulihan Ekonomi Berdasarkan Undang-Undang Nomor 40 Tahun 2014 Tentang Perasuransian Karso, A. Junaedi
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Vol. 2 No. 7 (2025): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/aksioma.v2i7.1468

Abstract

In Indonesia, there is unit-linked sharia insurance. The governance of Islamic financial instruments tends to be considered better than conventional instruments. The sharia principle is the principle of Islamic law in insurance activities based on fatwas issued by institutions that have authority in determining fatwas in the field of sharia. Based on Law Number 40 of 2014, sharia insurance is a collection of agreements, consisting of agreements between sharia insurance companies (tijarah  or buying and selling contracts) and policyholders as well as agreements between policyholders (tabarru' or social funds), in the context of contribution management. The basic principle of Islamic finance is that the economy of the people involves the participation of as many people as possible. "In the midst of the Covid-19 pandemic, investors tend to choose instruments that are safe from turmoil". Sharia insurance is an insurance model that follows the principles of sharia law (Islam) also known as takaful, where customers as insurance participants contribute with the tabarru' contract to help each other among participants who face disasters, or it can be said to be a risk sharing concept  among participants. Sharia insurance runs within the framework of sharia law, which prohibits transactions by charging interest (riba), engaging in speculative transactions (gharar), and investing in morally and socially detrimental businesses (haram). Types of sharia insurance, namely: (1). Life Insurance; (2). Health Insurance; (3). Property Insurance; (4). Motor Vehicle Insurance; (5). Travel Insurance; (6). Sharia health insurance. The concept of sharia insurance: (1). Help through the concept of ta'awun by forming a collective fund for the common good; (2). Protect each other through the concept of takaful by providing protection in the form of compensation, reimbursement, or payment for the occurrence of a certain risk. Sharia insurance can help manage risks, namely: (1). Anticipation of various risks should be identified in advance; (2). Participation in insurance should be in accordance with the needs and financial capabilities of each individual; (3). Forming an investment fund for future plans.
CASES OF SEXUAL VIOLENCE CRIME, MODES OF ONLINE GENDER-BASED VIOLENCE IN INDONESIA Karso, A. Junaedi
International Journal of Social Science Vol. 5 No. 2: Agustus 2025
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/ijss.v5i2.10966

Abstract

During the 2016-2020 period, there were at least 5,200 cases of crimes against morality each year. According to Statistics Indonesia (BPS), the highest number of cases was reported in 2020, with a total of 6,872 cases. Cases of sexual violence, such as rape and child molestation, dominated during the COVID-19 pandemic. According to data from the Indonesian Child Protection Commission (KPAI), there were 419 cases of children in conflict with the law (ABH) due to sexual violence in 2020. The National Commission on Violence Against Women (Komnas Perempuan) noted that sexual molestation was the most common form of sexual violence against women in the personal sphere in 2020, accounting for 20.8% of all cases of sexual violence in the personal sphere throughout the year. The crime of sexual molestation is defined as a physical sexual assault, but not penetration. The Ministry of Women's Empowerment and Child Protection (PPPA) recorded 10,247 cases of violence against women throughout 2021, of which 15.2% were sexual violence. Women and children are the most likely targets of these crimes. The total number of cases of gender-based violence (GBV) against women in the personal sphere reported to Komnas Perempuan reached 2,527 in 2021. Throughout 2021, there were 3,838 cases of violence against women reported to Komnas Perempuan. Of that number, the majority of victims were from Generation Z (born 1995-2010). The most common types of cases were: (1) Violence by ex-boyfriends, reaching 813 cases. This number is equivalent to 32.2% of the total KBG in the personal sphere reported to the National Commission on Violence Against Women; (2) Violence against wives, totaling 771 cases (30.5%), followed by violence in relationships, totaling 463 cases (18.3%), and violence against girls, totaling 212 cases (8.4%). (3) Violence by other perpetrators in personal relationships within the household, totaling 171 cases, violence by ex-husbands, totaling 92 cases, and violence against domestic workers, totaling 5 cases. Reports of violence received by the police in the first year of the Covid-19 pandemic were the highest since 2016. By gender, the majority of victims reporting violence in 2020 were male, at 58.67%, while female victims reported only 44.58%. The majority of sexual violence cases in Indonesia end without certainty. This is because 57% of sexual violence victims admit there is no resolution to their cases. The solutions are: (1) Paying the victim a sum of money. This is as stated by 39.9% of sexual violence victims; (2) 26.2% of victims eventually marry the perpetrator. Only 19.2% of victims successfully defend their sexual violence cases, resulting in the perpetrators ending up in prison.
Reconstruction of Law Number 12 of 2022 Concerning Criminal Acts of Sexual Violence: The First Milestones in Eliminating Sexual Violence in Indonesia Karso, A. Junaedi
SENTRI: Jurnal Riset Ilmiah Vol. 4 No. 8 (2025): SENTRI : Jurnal Riset Ilmiah, Agustus 2025
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/sentri.v4i8.4374

Abstract

The enactment of Law Number 12 of 2022 concerning Criminal Acts of Sexual Violence in harmony with Islam, as stated in the Qur'an, QS. An-Nur verse 33. Prohibiting violence against women also contradicts the values of monotheism, and Al-Insaniyah is a concrete manifestation and gift for women in Indonesia. It has very comprehensive content regulating the classification of criminal acts of sexual violence, physical sexual harassment, forced contraception, forced sterilization, forced marriage, sexual torture, sexual exploitation, sexual slavery, and electronic-based sexual violence. It establishes appropriate penalties and optimizes the prevention and handling of cases of sexual violence in Indonesia, which continues to show a high level every year. However, its implementation has not been as optimal as desired by victims and the public due to several obstacles, including: 1) Not all derivative regulations of the TPKS Law have been enacted; 2). Limited human resources, facilities, infrastructure, and operational costs, and only 30 percent of districts/cities in Indonesia have safe houses for victims of sexual violence.
Transforming Social Capital to Strengthen Local Government Resilience in Hazard-Prone Areas Karso, A. Junaedi; Hardi, Rudi; Baryalai, Abdul Samad
Journal of Contemporary Governance and Public Policy Vol. 6 No. 1 (2025): (April 2025)
Publisher : Pusat Penelitian Ilmu Sosial dan Humaniora Kontemporer, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46507/jcgpp.v6i1.677

Abstract

This study examines the transformation of social capital in strengthening local government resilience to natural disaster risks in Gowa, Indonesia—an area highly vulnerable to multiple natural hazards. Employing a quantitative research design, the study utilises Structural Equation Modelling (SEM) via Partial Least Squares (PLS-SEM) to conduct regression analysis. Data were collected through a structured survey involving 150 respondents from 15 institutions, including government agencies, private sector actors, non-governmental organisations (NGOs), and disaster response volunteers. The survey comprised 72 statement items across eight variables, ensuring the dataset’s validity and reliability. The findings indicate that strengthening social bonds, fostering community collaboration, and enhancing trust in local institutions significantly contribute to reducing the impacts of disasters by enabling swift responses and improving recovery efforts. These results underscore the vital—yet often underappreciated—role of social capital in disaster risk management and resilience building. The study calls for policy interventions that promote community cohesion and institutional trust, demonstrating that social dimensions are central to effective and sustainable disaster risk reduction. Moreover, the research aligns with the United Nations Sustainable Development Goals (SDGs), particularly Goal 11 (Sustainable Cities and Communities) and Goal 13 (Climate Action), by advocating for socially inclusive, community-driven resilience strategies.
Co-Authors Baryalai, Abdul Samad Hardi, Rudi