scholarly journals PERLINDUNGAN HUKUM TERHADAP KONSUMEN JASA ASURANSI DI INDONESIA

2017 ◽  
Vol 2 (1) ◽  
Author(s):  
Deny Guntara ◽  
Anwar Hidayat ◽  
Irma Garwan
Keyword(s):  
Law Enforcement ◽  
Consumer Protection ◽  
Financial Services ◽  
Dispute Settlement ◽  
Protection Agency ◽  
The Public ◽  
Consumer Rights ◽  
The Many ◽  
Consumer Insurance ◽  
Service Businesses

ABSTRACT Various legal instruments made to provide protection to consumers, especially consumers of insurance services, include the establishment of BMAI (the Indonesian Insurance Mediation and Arbitration Agency), OJK (Financial Services Authority), as well as those accommodated in the Consumer Protection Law which includes BPKN (National Consumer Protection Agency), LPKS (Non-Government Consumer Protection Institution, and BPSK (Consumer Dispute Settlement Agency), are layered instruments that consumers can use to fortify themselves from fraudulent acts and arbitrarily even ignore consumer rights committed by business actors. However, whether these devices are sufficient enough, in connection with the many complaints from the public against business actors, especially insurance service businesses. Many things affect the phenomenon of society, especially consumers of insurance services who feel that they are still not protected by the layers of legal instruments made, including factors from the consumers themselves, factors of business actors, law enforcement factors, and other supporting factors it should run in an ideal and harmonious manner. Keywords : Consumer Insurance Services, Insurance Business Actors, Consumer Protection

scholarly journals Strategi Promosi Otoritas Jasa Keuangan (OJK) Provinsi Sulawesi Tengah dalam Edukasi dan Perlindungan Konsumen di Kota Palu

2016 ◽  
Vol 13 (2) ◽  
pp. 362
Author(s):  
Ermawati Ermawati ◽  
Irham Pakawaru
Keyword(s):  
Consumer Protection ◽  
Financial Services ◽  
Services Sector ◽  
The Public ◽  
Maximum Effort ◽  
Promotional Strategies ◽  
The Stability ◽  
The Many ◽  
The City ◽  
Central Sulawesi

OJK presence was a turning point to the many cross issues in the financial services sector which includes measures of moral hazard, financial services consumer protection is not optimal, and the disruption of the stability of the financial system. OJK as an independent institution requires maximum effort promotions on tasks and functions to the public. This research uses descriptive qualitative research to explore strategies of promotion done by OJK of Central Sulawesi Province. The results of this study indicate that, promotion strategies undertaken by the OJK Central Sulawesi province are through is through ads in print and electronic media. Namely periodical published in Radar and Mercusuar newsletters, Billboards installed periodical in the streets of Mayor in the city of Palu, Cinema advertising, Published in  XXI Palu Grand Mall and Radio advertising: RRI. While the implications of the implementation of promotional strategies that people are starting to know the whereabouts of the OJK Central Sulawesi province, although not yet familiar with the tasks and functions in educating and providing consumer protection

scholarly journals Kewenangan Badan Penyelesaian Sengketa Konsumen (BPSK) dalam Menyelesaikan Sengketa Asuransi Pasca Keluarnya Peraturan Otoritas Jasa Keuangan (OJK) Nomor 1/POJK.07/2014

2019 ◽  
Vol 12 (2) ◽  
pp. 102
Author(s):  
Wisnu Kumala ◽  
Yaswirman Yaswirman ◽  
Ulfanora Ulfanora
Keyword(s):  
Dispute Resolution ◽  
Consumer Protection ◽  
Financial Services ◽  
Alternative Dispute Resolution ◽  
Dispute Settlement ◽  
Legal Research ◽  
Research Results ◽  
Consumer Protection Act ◽  
Legal Effect ◽  
Legal Consequences

There is a tug of authority in resolving insurance disputes outside the court between the Consumer Dispute Settlement Agency (BPSK) based on Law Nomor 8 of 1999 concerning Consumer Protection with Alternative Dispute Resolution Institutions (LAPS) based on Financial Services Authority Regulation Number 1/POJK.07/2014. This encourages the author to conduct legal research in order to determine the authority of BPSK in resolving insurance disputes as well as the legal consequences of the decision after the issuance of the Financial Services Authority Regulation Number 1/POJK.07/2014 using the statutory approach. This legal research results in the finding that BPSK is still authorized to settle insurance disputes following the issuance of the Financial Services Authority Regulation Number 1/POJK.07/2014, this is based on the provisions of the Lex superior derogat legi inferiori principle. Then there is no legal effect on the BPSK decision after the issuance of the Financial Services Authority Regulation. This is because BPSK's decision has been based on Law Number 8 of 1999 concerning Consumer Protection, whose position is higher than the Regulation of the Financial Services Authority. So there is no need for BPSK to follow the provisions of the regulations whose hierarchy of legislation is lower than the Consumer Protection Act. Therefore BPSK's decision is "final and binding" as explained in Article 54 paragraph 3 of the Consumer Protection Act.

scholarly journals PENEGAKAN HUKUM TERHADAP MALPRAKTEK DOKTER YANG MELAKUKAN ABORSI (STUDI PUTUSAN NO.288/PID.SUS/2018/PN. NJK)

2020 ◽  
Vol 2 (2) ◽  
pp. 15
Author(s):  
Ricky Darmawan
Keyword(s):  
Law Enforcement ◽  
Medical Malpractice ◽  
Medical Personnel ◽  
District Court ◽  
Primary Data ◽  
Legal Research ◽  
The Public ◽  
Moral Ethics ◽  
Theory Of Law ◽  
The Many

AbstractMedical actions by doctors who act not in accordance with the rules and applicable moral ethics are now beginning to emerge frequently. At this time, the problem of malpractice in health services began to be discussed by various groups in the community. This can be seen from the many indictments of malpractice cases submitted by the public about the profession of doctors who in carrying out their duties have committed wrong actions that result in losses resulting in death or disability. Medical malpractice, this is related to the task of the doctor or medical personnel under his command intentionally or negligence to do something (active or passive). The problem that the writer takes here is that the malpractice case which the writer carefully sourced from the decision of Nganjuk District Court No.288 / Pid.sus / 2018 / PN NJK, The theory used in this research is the theory of law enforcement. While the method used is empirical juridical legal research, where in analyzing the problem carried out by the method of combining legal materials (Decisions) with primary data obtained in the field. The output of this paper is that the handling of malpractice cases by doctors without the need for procedures according to medical regulations needs to be considered.Keywords: Abortion, Doctors, Law Enforcement, Malpractice.AbstrakTindakan medis oleh dokter  yang bertindak tidak sesuai dengan aturan dan etika moral yang berlaku ini kini mulai sering muncul. Pada saat ini, masalah malpraktik pelayanan kesehatan mulai dibicarakan oleh berbagai kalangan dalam masyarakat. Hal itu terlihat dari banyaknya dakwaan kasus malpraktik yang disampaikan oleh masyarakat tentang profesi dokter yang dalam melakukan tugasnya telah melakukan tindakan yang salah yang menimbulkan kerugian yang berujung pada kematian atau cacat. Malpraktik medik, hal ini berkaitan tugas dokter atau tenaga medis yang ada di bawah perintahnya dengan sengaja atau kelalaian melakukan perbuatan (aktif atau pasif). Permasalahan yang penulis ambil disini dimana Kasus malpraktek yang penulis teliti bersumber pada putusan Pengadilan Negeri Nganjuk No.288/Pid.sus/2018/PN NJK, Teori yang digunakan dalam penelitian ini ialah teori penegakan hukum. Sementara metode yang digunakan adalah penelitian hukum yuridis empiris, dimana dalam menganalisis permasalahan dilakukan dengan metode memadukan bahan-bahan hukum (Putusan) dengan data primer yang diperoleh di lapangan. Adapun output dari tulisan ini, bahwa penanganan perkara malpraktek dokter yang diilakukan dokter tanpa danya prosedur sesuai aturan medis perlu di perhatikan.Kata kunci : Aborsi, Dokter, Malpraktek,Penegakan Hukum.

TINJAUAN YURIDIS PERLINDUNGAN KONSUMEN DALAM PERJANJIAN JUAL BELI ONLINE DI INDONESIA

2019 ◽  
Vol 7 (1) ◽  
pp. 60
Author(s):  
Andhika Yusuf Permana , ◽  
Munawar Kholil ,
Keyword(s):  
Consumer Protection ◽  
Dispute Settlement ◽  
Protection Agency ◽  
Legal Research ◽  
National Board ◽  
Key Word ◽  
Conflict Solution ◽  
Lack Of Knowledge

<p>Abstract<br />This article for analytic, a problematic consumer protection, and the dispute for consumer case. This <br />research form normative legal research which perspective. A data used is secondary and tertiary data. <br />Method of collection use document. Technique analytic a data using syllogism deduction. A problematic <br />consumer protection on online transaction agreement Indonesian unsolved, due by lack of awareness <br />consumer a conflict solution, lack of knowledge consumer protect law, and over difficult on dispute. Dispute <br />online transaction use non litigation and litigation. Dispute non litigation via Indonesian National Board <br />of Arbitration, Consumer Dispute Settlement Board, National Consumer Protection Agency, Mediation <br />and Negotiation. Negotiation, this way the most effect and efficient, because taking conclusion propose <br />dealing together.  <br />Key word: protection, consumer, transaction.</p><p>Abstrak<br />Artikel ini bertujuan untuk mengkaji, problematika perlindungan konsumen, dan penyelesaiaan sengketa <br />konsumen  dalam  perjanjian  jual  beli  online.  Jenis  penelitian  merupakan  hukum  normatif  bersifat <br />preskriptif. Jenis data yang digunakan data sekunder dan tersier. Teknik pengumpulan menggunakan studi <br />kepustakaan. Teknik analisis data secara deduksi silogisme. Problematika perlindungan konsumen dalam <br />perjanjian jual beli online di Indonesia belum terpecahkan, disebabkan karena kurangnya kesadaran dari <br />konsumen untuk menyelesaikan sengketa, kurangnya pengetahuan hukum perlindungan konsumen, dan <br />terlalu rumitnya dalam penyelesaian hukum. Penyelesaian sengketa dalam jual beli online dapat melalui <br />non litigasi dan litigasi. Penyelesaian non litigasi melalui Badan Arbitrase Nasional Indonesia, Badan <br />Penyelesaian Sengketa Konsumen, Badan Perlindungan Konsumen Nasional, Mediasi, dan Negosiasi. <br />Negosiasi  merupakan  salah  satu  jalur  yang  paling  efektif  dan  efesien,  karena  dalam  pengambilan <br />keputusan lebih mengedepankan kesepakatan bersama.<br />Kata Kunci: perlindungan, konsumen, jual beli</p>

Body-Worn Cameras

2021 ◽  
pp. 1-25
Author(s):  
Scott Thomas Duncan ◽  
Hannah Geczi
Keyword(s):  
Law Enforcement ◽  
Best Practices ◽  
Community Relations ◽  
The Public ◽  
Police Community Relations ◽  
The Many

Police hold a unique and distinctive status compared to any other occupation in society with their authority to use force. With such responsibility, communities expect law enforcement to be held accountable when force is applied. One of the many proposed solutions embraced by authorities and the public to decrease the number of force encounters is body-worn cameras (BWCs). The purpose of this chapter is to examine BWCs as a measure of reducing force by law enforcement, explore the technology as an enhancement to transparency within the context of police-community relations, and offer recommendations for adoption rooted in best practices. For the public, it is imperative to recognize BWCs as just one part of improving law enforcement oversight as opposed to providing an all-encompassing solution that will completely resolve issues of transparency.

scholarly journals An Effective Supervision Model of a Standard Clause for Consumer Protection in the Business Transactions

2017 ◽  
Vol 3 (1) ◽  
pp. 36 ◽  
Author(s):  
M. Syamsudin ◽  
M. Bekti Hendrie Anto ◽  
M. Nur Laili Dwi Kurniyanto ◽  
Intan Puspitasari
Keyword(s):  
Consumer Protection ◽  
Financial Services ◽  
Dispute Settlement ◽  
Business Transactions ◽  
Supervision Model ◽  
Rights And Interests ◽  
Supervision Mechanism ◽  
Effective Supervision

This research aims to form an effective supervision model of a standard clause to protect consumer’s rights and interests. This study answers the questions the effectiveness of a standard clause supervision carried out by Otoritas Jasa Keuangan [Financial Services Authority (OJK)] and Badan Penyelesaian Sengketa Konsumen [Consumer Dispute Settlement Agency (BPSK)]; effective supervision model of a standard clause which can protect the rights and interest of the consumer. The object of this study are OJK and BPSK as a supervision of a standard clause. The result of this research shows that the supervision of standard clause done by those institutions has not been effective yet, this caused by several factors to wit the weakness of implementing regulation in terms of supervision, unclear supervision mechanism, the weakness of socialization related to the rules of standard clause towards business actors, and other weakness and obstacles faced by both institutions. The effective supervision model of standard clause is being formed that based on five points, namely: (1) the needs of institution/agency reformation who authorize to do supervision of standard clause; (2) the needs to determine the scope of duty and authority of standard clause supervision institution; (3) the needs of determination of material range about standard clause subjected to supervision which comprises: the content, the form, the position and the expression; (4) the needs of precise mechanism of standard clause supervision conducted by supervision institution; (5) the needs of following up the supervision results, especially to the business actors who break the standard clause rules.

scholarly journals Peranan Badan Pengawas Obat dan Makanan dalam Perlindungan Konsumen Terhadap Obat Racikan Apotek Tanpa Resep Dokter

2021 ◽  
Vol 4 (5) ◽  
pp. 2091
Author(s):  
Zsalzsabella Putri Moudzie
Keyword(s):  
Law Enforcement ◽  
Consumer Protection ◽  
Health Sector ◽  
Drug Distribution ◽  
Consumer Protection Act ◽  
Plastic Packages ◽  
Consumer Rights ◽  
Comprehensive Information ◽  
Product Withdrawal ◽  
Administrative Sanctions

AbstractThe rise of pharmaceutical business actors, in this case, is a pharmacy, in selling concoction drugs without a doctor's prescription in several regions in Indonesia causing losses in consumers. Consumer protection is regulated in Act Number 8 of 1999 concerning Consumer Protection, then consumer rights in the health sector are recognized by Act Number 36 of 2009 concerning Health. Both of these regulations require that at least the consumer is guaranteed his right to use the drug, including comprehensive information related to the drug obtained at the Pharmacy. This is not heeded by a number of pharmacies in Indonesia who pack concoction drugs in plastic packages and do not meet the information standards that must be listed. BPOM as an institution that is given authority in law enforcement for drug distribution that is not in accordance with standards can take product withdrawal as well as administrative sanctions against business actors. In addition, the Consumer Protection Act provides a platform for consumers who are disadvantaged to be able to file liability through the Consumer Dispute Resolution Agency (BPSK).Keywords: BPOM; BPSK; Compounding Drugs; Consumer Protection.AbstrakMaraknya pelaku kegiatan usaha kefarmasian, dalam hal ini adalah apotek, dalam menjual obat racikan tanpa resep dokter di beberapa daerah di Indonesia menimbulkan kerugian-kerugian dalam diri konsumen. Perlindungan konsumen diatur dalam Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen, kemudian mengenai hak konsumen dalam bidang kesehatan diakui oleh Undang-Undang Nomor 36 Tahun 2009 tentang Kesehatan. Kedua peraturan tersebut mengharuskan setidaknya konsumen terjamin hak nya dalam penggunaan obat, termasuk pula informasi lengkap terkait obat yang didapatkan di Apotek. Hal ini tidak diindahkan oleh beberapa apotek di Indonesia yang mengemas obat racikan dalam kemasan plastik dan tidak memenuhi standar informasi yang harus dicantumkan. BPOM sebagai lembaga yang diberi kewenangan dalam penegakan hukum terhadap peredaran obat yang tidak sesuai dengan standar dapat melakukan tindakan penarikan produk serta sanksi administratif kepada pelaku usaha. Selain itu, UU Perlindungan Konsumen memberikan wadah bagi konsumen yang dirugikan untuk dapat mengajukan pertanggung gugatan melalui Badan Penyelesaian Sengketa Konsumen (BPSK).Kata Kunci: BPOM; BPSK; Obat Racikan; Perlindungan Konsumen.

scholarly journals PENERAPAN ASAS PEMBALIKAN BEBAN PEMBUKTIAN DALAM PENYELESAIAN SENGKETA KONSUMEN

2018 ◽  
Vol 4 (1) ◽  
pp. 91
Author(s):  
Misnar Syam
Keyword(s):  
Supreme Court ◽  
Production Process ◽  
Consumer Protection ◽  
Dispute Settlement ◽  
Burden Of Proof ◽  
Class Action ◽  
Civil Litigation ◽  
Consumer Rights ◽  
Distribution Process

Consumer dispute related to violation of the consumer rights by businessman. Article 45 of Consumer Protection Law provides that the dispute may be settled by out of court dispute settlement or through litigation. In Indonesia, out of court dispute settlement of consumer disputes is conducted under the authority of Consumer Disputes Settlement Body (BPSK), while in litigation mechanism exercised with submission by the consumer personally, class action, or NGO claim. Consumer dispute settlement is part of civil litigation. According to Article 163 HIR/ 283 RBg, the party who alleges that he has a right shall proof his allegation. While, according to Article 19(5) of Consumer Protection Law, the businessman may be exempted from its duty, if it can proof that the damages suffered by the consumer is because of the consumer fault itself. Therefore, the businessman must prove that it did not commit any fault (shifting the burden of proof). The principle of shifting the burden of proof has adopted by Consumer Protection Law because the consumer has no suffi  cient knowledge of materials, production process, and distribution process which done by the businessman regularly. The Consumer Protection Law has no clear provision on the implementation of shifting the burden of proof, while the same situation is also found in Supreme Court Regulation No. 1 of 2006 concerning Appeal on the Judgment of BPSK. Thus, there are inconsistency implementations on the shifting of the burden of proof between on case by case. It depends on the comprehension knowledge of the judges. Such situation may lead to ineffective implementation of Consumer Protection Law.

scholarly journals PROCEDURE FOR RESOLVING CONSUMER DISPUTES THROUGH CONSUMER DISPUTE SETTLEMENT AGENCY (BPSK)

2021 ◽  
Vol 1 (2) ◽  
pp. 64
Author(s):  
Maryanto Maryanto ◽  
Lathifah Hanim ◽  
Dini Amalia Fitri
Keyword(s):  
Dispute Resolution ◽  
Consumer Protection ◽  
Dispute Settlement ◽  
Protection System ◽  
Legal Certainty ◽  
Protection Agency ◽  
Resolution Process ◽  
Dispute Resolution Process

The establishment of the Consumer Dispute Settlement Agency (here and after, we will use the acronym BPSK) is to protect consumers and entrepreneurs by designing a Consumer Protection system that contains legal certainty and transparency. The purpose of this study was to determine the procedure for resolving consumer disputes through BPSK. This research uses doctrinal and non-doctrinal approaches. The result of the research is that the procedure for resolving consumer disputes carried out by BPSK is through 2 (two) processes or paths that must be passed if consumers want to resolve consumer disputes with business actors, namely: Dispute Resolution outside the court, namely the process of making a complaint or claim for losses carried out by business actors to BPSK or Non-Governmental Consumer Protection Agency (LPKSM). From these complaints, BPSK is obliged to issue a decision no later than 21 (twenty-one) working days after the claim is received and Dispute Settlement Through the court, namely the process Consumers who feel aggrieved report to the authorities, namely to the police for follow-up as in the dispute resolution process in court. There are 3 (three) ways to settle consumer disputes, namely conciliation, arbitration, and mediation.

scholarly journals The Failure of the Court to Protect Consumers: A Review of Consumer Dispute Resolution in Indonesia

2020 ◽  
Author(s):  
M. Syamsudin
Keyword(s):  
Decision Making ◽  
Dispute Resolution ◽  
Consumer Protection ◽  
Empirical Data ◽  
Dispute Settlement ◽  
Public Trust ◽  
Decision Making Process ◽  
Access To Justice ◽  
Entire System ◽  
The Public

Abstract Indonesia needs strong measures to protect its consumers, which leads to the creation of the Consumer Dispute Settlement Agency (BPSK) as an arbiter to settle disputes between consumers and businesses efficiently. The Indonesian Supreme Court (MARI) has set aside an alarming number of BPSK arbitral awards, putting the entire system in jeopardy. The aims of this study are to examine the empirical data on MARI’s decisions in setting aside arbitral awards and analyse their decision-making process. This research shows how MARI has been interpreting the statue promulgating the BPSK very narrowly. The result of MARI’s interpretation of the law has deep implications for consumer protection in Indonesia, namely that the public trust in the enforcement of Consumer Protection Law by BPSK has been severely diminishing, leaving consumers without meaningful access to justice or protection of their rights.

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