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All Journal Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Sahabat ISNU SU
Ahmad Zhuhri
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Religion Humanities Law, Crime, Criminology & Criminal Justice Other

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Legal Protection for Insurance Policyholders Khairunnisa Silalahi; Fadilla Fadwa Zailani Tumanggor; Nurcholiza Adha; Madinatul Qarima; Ahmad Zhuhri
Jurnal Sahabat ISNU SU Vol. 2 No. 3 (2025): ISNU Sahabat Vol.2 No.3 Desember 2025
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jsisnu.v2i3.909

Abstract

To ensure certainty and security for insurance users in Indonesia, legal protection for policyholders is crucial. This study aims to determine available dispute resolution procedures, identify challenges faced, and assess legal protection measures for consumer policyholders. Using case studies and a legislative perspective, a normative legal research methodology was employed. Based on the research findings, legal protection for policyholders is regulated by the Financial Services Authority (OJK) regulations, Law Number 40 of 2014 concerning Insurance, and Law Number 8 of 1999 concerning Consumer Protection. However, customers still face several challenges in practice, including protracted and complicated dispute resolution procedures, imbalanced bargaining power, and a lack of understanding of policy terms. Court action or mediation are two options for resolving disputes. It is hoped that the presence of unambiguous legislative instruments will enable the best protection of customer rights and the development of a fair relationship between policyholders and insurance companies.
BEA MATERAI DI INDONESIA: Pengertian, Regulasi, Mekanisme, dan Permasalahan Penerapannya Silfia, Sifa; Ahmad Zhuhri
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 5 (2026): MEI
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i5.9872

Abstract

The purpose of this study is to examine how stamp duty is implemented in Indonesia, including its legal basis, functions, and scope, as well as the various issues that arise during its implementation, particularly in the digital age. The data sources consist of primary, secondary, and tertiary legal materials obtained through a literature review, and a descriptive-analytical normative legal approach was employed. The results of the study indicate that Stamp Duty serves two primary roles: a fiscal role to boost state revenue and a legal role to verify documents. Law No. 10 of 2020 brought significant changes due to technological advancements, such as the implementation of a single rate of Rp10,000 and the recognition of electronic stamps. However, in practice, numerous obstacles remain. These include a lack of public awareness, technical issues with e-Stamps, and deficiencies in infrastructure and regulations. Additionally, the implementation of Stamp Duty impacts taxpayer compliance levels; simplifying the system and increasing public outreach can improve compliance. Consequently, to optimize the implementation of Stamp Duty in the future, enhanced education, strengthened legislation, and the development of an integrated digital system are required.
Co-Authors Fadilla Fadwa Zailani Tumanggor Khairunnisa Silalahi Madinatul Qarima Nurcholiza Adha Silfia, Sifa