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ISNU Nine-Star Multidisciplinary Journal (INS9MJ)
Published by ISNU Sumatera Utara
ISSN : -     EISSN : 30638984     DOI : 10. 70826
Core Subject : Religion, Economy, Humanities, Health, Science, Education, Agriculture, Art, Social, Engineering,
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Transportation Veterinary Other
ISNU Nine-Star Multidisciplinary Journal (INS9MJ) is an academic journal published by ISNU (Ikatan Sarjana Nahdlatul Ulama), dedicated to the dissemination of research and scholarly thought in the field of law and justice. The journal serves as a platform for academics, researchers, practitioners, and policymakers to exchange ideas, present findings, and discuss current issues in both national and international legal contexts. The scope of the journal includes, but is not limited to, the following areas: Constitutional Law Studies on state structure, constitutional principles, governance, democracy, and constitutional rights. Criminal Law Analyses of substantive criminal law, criminal procedure, criminology, victimology, and policies in combating corruption, terrorism, and other crimes. Civil Law Research on contract law, property law, family law, inheritance law, and civil procedural law. Administrative Law Discussions on the role of administrative law in governance, public policy, licensing, and state administration. Islamic Law Exploration of fiqh, contemporary Islamic jurisprudence, Islamic criminal law, family law, and the integration of Islamic principles into national legal systems. International Law Covers public and private international law, international human rights, humanitarian law, trade law, and global legal issues. Human Rights Law Research on the protection, enforcement, and development of human rights at national, regional, and international levels. Environmental Law and Sustainable Development Legal studies on environmental protection, natural resource management, climate change, and sustainable development policies. Business and Economic Law Covers corporate law, investment law, banking and finance law, intellectual property rights, and dispute resolution. Legal Philosophy and Theory Critical studies on the philosophy of law, legal theory, comparative law, and the development of jurisprudence.
Arjuna Subject : Umum - Umum
Articles 107 Documents
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Legal Protection in the Indonesian Insurance Industry: A Comprehensive Analysis Shaila Aulia Prilini; Fitrah Ardiansyah; Aulia Pratama; Dinda Seplinar Batubara; Annisa Larasati
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.v2i3.932

Abstract

The development of the insurance industry in Indonesia demands a strong and effective legal system to protect the interests of all parties, including insurance companies, insureds, and regulators. However, there are still challenges in the implementation of basic insurance legal principles, such as the principles of good faith, indemnity, subrogation, and contribution, so a comprehensive study of the theoretical foundations, regulations, and practices in the field is needed. This study aims to analyze insurance law in Indonesia comprehensively, by assessing the suitability of theory, regulation, and implementation. The method used is normative legal research, which focuses on the study of laws and regulations, legal doctrine, and case analysis to assess the application of law in practice. This study covers Law Number 40 of 2014 concerning Insurance and its implementing regulations, including the Financial Services Authority (POJK) regulations. The results show that although regulations have provided a clear legal framework, there are a number of obstacles in implementation, such as lack of understanding of the insured, complex administrative practices, and limited oversight. This study concludes that the harmonization between insurance legal principles, regulations, and practices needs to be strengthened to ensure optimal legal protection, while encouraging the operational effectiveness of the insurance industry in Indonesia.  
Legal Responsibility of Insurance Companies for the Denial of COVID-19 Patient Claims: A Case Study of PT Asuransi Allianz Life Indonesia Lidya Thalia; Zahra Balqis Ananda; Rivky Abdillah Putra; Abdul Latif; Syifa Sirait
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.v2i3.933

Abstract

In this article, we examine the legal responsibility of insurance companies for the denial of COVID-19 patient claims: A case study of PT Asuransi Allianz Life Indonesia. Aims to find out how the company's responsibility is to customers, how to protect consumers, and how insurance customers respond to the rejection of COVID-19 claims This research uses a qualitative method, namely by using a field study and analytical descriptive approach. The results of this study have shown that PT Asuransi Allianz Life Indonesia, in certain cases, has not fully fulfilled its legal responsibilities both from a contractual perspective and within the framework of consumer protection. This refusal creates a conflict because in contract law, an agreement must be executed based on the principles of good faith and transparency of information. Many customers expressed disappointment with Allianz's perceived impartiality and seemed to be looking for excuses to reject claims.
The Effectiveness of Law Enforcement against Non-Compliant UN Taxpayers Chairany amsi; Zahra Amalia; Varadila; Ariston; Yusuf Matunry; Dinda Nur Salsabilah
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.v2i3.934

Abstract

Place law enforcement against taxpayers who do not comply in paying the Land and Building Tax (PBB) is an important issue in the regional tax system. This study aims to analyze the effectiveness of law enforcement efforts against violations of UN obligations and the obstacles faced by local governments in their implementation. The method used is an empirical juridical approach with a field study at the regional revenue office in one of the districts/cities. The results of the study show that law enforcement against non-compliant taxpayers has not run optimally due to weak socialization, low sanctions given, and lack of integration of land and building ownership data. Regulatory reform and synergy between law enforcement officials, local governments, and financial institutions are needed to improve tax compliance.  
Legal Protection for Taxpayers in Tax Disputes in Court Salwa Khairina Azzahra; Nabila Hilmy Khairunnisa Hasibuan; Amanda Putri Fajrin; Nadiatul Maghfirah; Laila Rizqillah
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.v2i3.936

Abstract

Tax disputes in Indonesia often pose challenges for taxpayers to obtain fair legal protection in the Tax Court. This research aims to analyze the legal protection mechanism for taxpayers, identify obstacles to its implementation, and propose reforms to improve justice and legal certainty. Using a normative vuridis approach with qualitative analysis. This research examines laws and regulations, court decisions, and tax law literature. The results of the study show that the Tax Court provides protection through objection, appeal, and review procedures, supported by the principles of transparency and judicial independence. However, high litigation costs, inconsistencies in judgments, low legal literacy, and complex administrative procedures hinder the effectiveness of protection, especially for small taxpayers. Reforms such as digitization of court processes, legal education, harmonization, judgment, and mediation are proposed to address these constraints, The study concludes that although, the legal framework has been robust, more inclusive and efficient implementation is needed to ensure fairness for all taxpayers, Recommendations include digital platforms for easier access and educational programs to improve taxpayer understanding.
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.  
Application of Ta'zir Punishment for Perpetrators of Corruption in the Perspective of Islamic Criminal Law Zaki Azmi Daffa; Alfiko Gio Pratama; Abdurrasyid Karim; Rayhan Nandini Telaumbanua; Suci Hidayati Malau
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.v2i3.938

Abstract

Corruption is an extraordinary crime that causes great losses to state finances, damages social order, and erodes public trust. In Indonesia's positive law, corruption has been regulated in detail through various laws. However, a normative approach alone is not enough to provide a deterrent effect on the perpetrators. Therefore, Islamic law as a legal system rich in moral values and substantive justice offers an alternative approach through the concept of ta'zir punishment. This study aims to examine how the application of ta'zir punishment can be relevant and effective against corrupt perpetrators in the perspective of Islamic criminal law. The method used is normative legal research with a conceptual and historical approach. Data was obtained through literature studies on primary sources of Islamic law such as the Qur'an, hadith, and fiqh books, and also through analysis of positive legal regulations in Indonesia. The results of the study show that corruption in Islamic law can be categorized as jarimah ta'zir, so that the form and degree of punishment can be determined by the competent authorities. The punishment of ta'zir is flexible and can be in the form of imprisonment, fines, restitution of property, and social or administrative punishment. The principles of justice and benefit contained in ta'zir are considered to be able to provide a deterrent effect while encouraging moral reform of the perpetrators. This concept is relevant to be integrated into the national legal system in terms of values and ethics.
Application of Management Information Systems in Improving Operational Efficiency in Trading Companies Muhammad Irwan Padli Nasution; M.ikhsan
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.v2i3.939

Abstract

The development of information technology encourages trading companies to adopt systems that are able to increase the effectiveness and efficiency of operational activities. One of the important instruments in this context is the Management Information System (SIM), which plays a role in processing data into relevant information for managerial decision-making. This study aims to analyze the application of Management Information Systems in improving the operational efficiency of trading companies, especially in the decision-making process, inventory supervision, and data and transaction management. The research method used is qualitative descriptive with a literature study approach, through the review of books, scientific articles, and relevant literature sources that discuss the application of SIM in business operational activities. The results of the study show that the implementation of SIM is able to speed up the transaction process, minimize administrative errors, and improve the accuracy and integration of inventory and financial data. In addition, the driver's license provides convenience in operational supervision and supports faster and more precise decision-making. With an integrated system, companies can increase employee productivity, save work time, and reduce operational costs. In conclusion, the implementation of Management Information Systems has a strategic role in increasing operational efficiency and added value of trading companies in a sustainable manner.

Page 11 of 11 | Total Record : 107

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