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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,
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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 84 Documents
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Analysis of Criminal Law Policy on Sexual Violence and Legal Protection for Victims of Sexual Violence Suwandi Siregar; Nelvitia Purba
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.v2i3.888

Abstract

Sexual violence is a form of crime that has a multidimensional impact on victims, both physically, psychologically, socially, and legally. So far, the regulation of sexual violence crimes in Indonesia tends to be partial and morality-oriented, as reflected in the Criminal Code (KUHP). This condition causes protection for victims to be not optimal. The presence of Law Number 12 of 2022 concerning the Crime of Sexual Violence (TPKS Law) is an important milestone in the reform of criminal law policies that are more comprehensive and victim-perspective-oriented. This study aims to analyze criminal law policy against sexual violence crimes in Indonesia and examine the form of legal protection for victims of sexual violence from the perspective of the TPKS Law. The research method used is normative legal research with a legislative approach. Research data was obtained through literature studies by analyzing primary, secondary, and tertiary legal materials, which were then analyzed qualitatively. The results of the study show that Indonesia's criminal law policy has undergone a paradigm shift from a moral approach to a human rights-based approach through the TPKS Law as a lex specialis. The TPKS Law regulates various forms of sexual violence more broadly and ensures victim protection through protection, handling, and recovery mechanisms. However, the implementation of the TPKS Law still faces obstacles, especially related to incomplete implementing regulations, limited understanding of law enforcement officials, and weak coordination in the integrated criminal justice system. This study concludes that although the TPKS Law is a significant advance in the protection of victims of sexual violence, its effectiveness is highly dependent on strengthening the legal structure and culture in order to be able to realize substantive justice for victims.  
Integration of AI Technology in E-Commerce as an Effort to Realize Consumer Protection Law Nadia Ramadhani Octora; Rizka Syafriana
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.v2i3.918

Abstract

An agreement is a legal act carried out by two or more parties, where one party is obliged to do something, while the other party is entitled to the fulfillment of obligations. Along with the development of the times, there has been a new breakthrough in making transactions, namely through electronic media facilities or what can be called e-commerce. Therefore, this study focuses on how the Validity of Sale and Purchase Agreements Through E-Commerce Platforms is reviewed based on Indonesia's Positive Law and How Legal Protection for Consumers for Sale and Purchase Agreements Through Electronic Transactions Based on the Consumer Protection Law. This study uses a normative juridical research method, with analytical descriptive research specifications using data sourced from several previous studies. This research concludes that Sale and Purchase Agreements through E-Commerce Platforms can be considered valid as long as they remain subject to the Civil Code and the ITE Law. In addition, legal protection for consumers can be realized in two forms of regulation, one of which is legal protection through legislation, in this case Law No. 8 of 2010 concerning consumer protection. Protection for merchants in buying and selling transactions through e-commerce platforms that merchants have their rights as legal protection in accordance with Article 6 of the Consumer Protection Law.  
The Principle of Convenience in Islamic Sharia: An Analysis of the Rules of Al-Masyaqqah Tajlibut Taysir Aga Setiawan; Sonya Noprisa Sumantri
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.v2i3.919

Abstract

Leniency (rukhsah) in carrying out Islamic sharia is a form of convenience given by Allah SWT to His people, as enshrined in the rules of fiqh "al-masyaqqah tajlibut taysir". This rule is an important foundation in facing various challenges and dynamics of modern life that often cause difficulties. This study aims to analyze the application of the rules of al-masyaqqah tajlibut taysir in the context of contemporary worship and muama. The research method used is library research with a normative-philosophical approach. The research stages include collecting data from primary and secondary literature, identifying basic concepts and principles, and analyzing relevant contemporary cases. The results of the study show that the rules of al-masyaqqah tajlibut taysir have strong relevance in providing sharia solutions to new problems, such as prayer relief for night shift workers, the determination of fasting times for travelers on planes, or the flexibility of digital financial transactions. The application of this rule requires a deep understanding of the maqashid sharia (sharia goals) and uruf (customs) of society. Further discussions highlighted the importance of collective ijtihad in interpreting and applying these rules so that there is no abuse or liberalization of sharia. This research is expected to contribute to the development of contemporary fiqh that is responsive to the changing times without ignoring the basic principles of sharia.  
Academic Ethics in the Flow of Digitalization: Maintaining Scientific Integrity in the Age of Technology Muhammad Zaid Tsabit; Rahmad Ananda; Nayla Desinta Arnain
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.v2i3.920

Abstract

A person's manners in the current era are influenced by digital influences. The digital era has brought significant changes in the academic world. Including in terms of research ethics. Plagiarism and violations of research integrity are becoming increasingly challenging. This research aims to critically analyze the challenges of academic ethics in the digital age and provide recommendations to improve research integrity. The purpose of this research is to find out the picture of ethics by an academic in the current era. The research methods used are literature analysis and case studies. The results of the study show that awareness of academic ethics needs to be improved, especially in the use of digital technology. This research is expected to contribute to the understanding of academic ethics in the digital age and raise awareness of the importance of research integrity. An academic must implement improvements in digital technology as well as increased awareness of the importance of research integrity  
Comparison of Criminal Sanctions in Sharia Law and Positive Law: Jinayah Fiqh Perspective Siti Nurjannah Lase; Layla Hasfajira Br. Tambunan; Aufiya Muhammad Syukri Alghiffary; Gilang Ade Prabowo
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.v2i3.921

Abstract

This study aims to examine the comparison of criminal sanctions in Sharia law and positive law, with an emphasis on the view of Jinayah Fiqh. Sharia law, based on the Qur'an and Hadith, stipulates severe punishments and often severe sanctions for certain violations, such as hudud, qisas, and ta'zir. In contrast, positive laws applied in Indonesia emphasize the principles of restorative and rehabilitative justice, with sanctions varying from prison sentences to fines. This study applies a qualitative method with a comparative analysis approach to investigate the differences and similarities in the application of sanctions in the two legal systems. The findings of the study indicate that despite fundamental differences in methods and types of punishment, the two legal systems have a similar goal, which is to achieve social justice and order. By analyzing this comparison, it is hoped that similarities will be found between the two legal systems that can enrich law enforcement practices in Indonesia. This study contributes to the academic discourse on the merging of Sharia law and positive law within the framework of legal pluralism in Indonesia.
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.
Analysis of the Impact of the Increase in Value Added Tax (VAT) Rates on the Indonesian People Adinda Maretsyah Purba; Tasya Alifiya; Ikhwan Rinaldi Lubis; Rizky Ananda Pratama; Hisam Ahyani
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.v2i3.925

Abstract

The policy of increasing the Value Added Tax (VAT) rate from 10% to 11% as stipulated in the Law on Harmonization of Tax Regulations (HPP Law) has caused various responses among Indonesian people. This tariff change is seen as the government's effort to strengthen state revenues, but on the other hand raises concerns about increasing the economic burden on the community and the potential boost to the rate of inflation. This study aims to analyze the impact of the increase in VAT rates on people's economic conditions and inflation in Indonesia. The research method used is qualitative descriptive with a literature study approach, through the collection of secondary data sourced from books, scientific articles, laws and regulations, and relevant previous research results. The results of the study show that the increase in VAT rates raises pros and cons, especially among business actors and consumers, who consider this policy to have the potential to increase consumption spending. However, based on the provisions of the HPP Law, not all goods and services are subject to VAT, because there are certain criteria and exceptions to maintain people's purchasing power. In addition, the increase in VAT rates has been proven to have no significant influence on inflation in general, because inflation is more predominantly influenced by increases in the prices of strategic commodities such as fuel oil and cooking oil. Thus, the impact of VAT increases on inflation is relatively limited and contextual.
The Impact of the Covid-19 Pandemic on the Increase in Insurance Claims in Indonesia: An Empirical Study on BPJS Employment Rheny Windi Nabila; Zayyan Tsabitah Panjaitan; Fikri Maulana Matullesy; Aldris Mulya Putra; Manswab Mahsen Abdulrahman
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.v2i3.927

Abstract

The Covid-19 pandemic has caused multidimensional pressure on the employment social security system in Indonesia, especially on the increase in claims for BPJS Employment benefits. The surge in Covid-19 cases has a direct impact on the increase in the number of layoffs, the decrease in worker income, and the increased risk of health and death. This condition encourages participants to disburse social security benefits to meet basic living needs. This study aims to analyze the impact of the Covid-19 pandemic on the increase in insurance claims at BPJS Ketenagakerjaan and its implications for the sustainability of social security fund management. The research method used is normative juridical with a legislative and conceptual approach, supported by secondary data in the form of official documents, annual reports, and scientific literature related to employment social security. The results of the study show that at the beginning of the pandemic, Old Age Security (JHT) and Pension Security (JP) claims experienced a significant increase due to mass layoffs. Furthermore, in 2021, claims for Death Insurance (JKM) and Work Accident Insurance (JKK) also increased in line with the high mortality rate and occupational risk. This study concludes that BPJS Ketenagakerjaan needs to strengthen the readiness of liquid funds and develop a digital service system to face similar crises in the future and ensure the sustainability of social protection for workers.
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; Ahmad Yani Anshori
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.
Civil Law Aspects of Crypto Investment Dispute Resolution Through Arbitration and Litigation Handro Kurnia Sitorus; Ahyar Dinda Alamsyah Harahap; Abdul Latif; Aripa Syawalia; Indra Utama Tanjung
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

Digital transformation in the financial sector has given birth to new investment instruments in the form of crypto assets based on blockchain technology. Despite its great potential, crypto investment also gives rise to various civil disputes between investors and service provider platforms. Such disputes are often caused by defaults, unlawful acts, or losses due to digital system failures, which have not been specifically regulated in national law. This research aims to identify the form of civil law relationships in crypto transactions, examine the types of disputes that arise, and evaluate the effectiveness of two dispute resolution mechanisms, namely arbitration and litigation. The method used is a normative juridical approach through literature studies that include laws and regulations, scientific literature, as well as court and arbitration decisions. The results of the study show that arbitration has advantages in terms of efficiency and flexibility, but faces obstacles in enforcing cross-jurisdictional awards. In contrast, litigation provides stronger formal legal guarantees, but tends to be slow and less adaptive to technological aspects. The main obstacles faced are the absence of substantive regulations, limitations in digital proof, and low technical literacy of legal apparatus. Therefore, regulatory reform and institutional capacity strengthening are needed to ensure equal legal protection for crypto investors in Indonesia.

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