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This study aims to examine the legal aspects of the Aceh People's Health Insurance Program (JKRA) by analyzing it as a hybrid between an insurance agreement and a social insurance agreement. The method used is a normative juridical approach, with qualitative analysis based on relevant laws and legal concepts. Data sources consist of primary, secondary, and tertiary legal materials. The results show that JKRA has two main characteristics. On the one hand, JKRA fulfills the elements of an insurance agreement, such as the existence of an insurer and an insured, premium payments, protection against risks, and the uncertainty of insured events. On the other hand, JKRA also reflects the characteristics of social insurance, namely being mandatory, non-profit-oriented, managed by the government, and applying the principle of mutual cooperation through a cross-subsidy mechanism. This dual character indicates that JKRA is a unique form of regional health insurance scheme that integrates private and social approaches. However, in its implementation, there are a number of legal issues that require serious attention. Some of the main problems found include the need for regulatory harmonization between JKRA and the National Health Insurance (JKN), ensuring the sustainability of funding through the Aceh Revenue and Expenditure Budget (APBA), and alignment with national health policies, especially after the enactment of Law Number 17 of 2023 concerning Health and Government Regulation Number 28 of 2024. Therefore, comprehensive legal regulations are needed so that the implementation of JKRA can run optimally and in line with the integrated national health insurance system, ensuring the sustainability of health services for the people of Aceh in a fair and sustainable manner.

Minister of Health Regulation No. 269 of 2008 explains that medical records are defined as a collection of documents containing complete information regarding patient identity, examination results, therapy, medical procedures, and health services received. In working, an employee should be able to balance their workload to achieve work harmony that contributes to increased productivity. Job satisfaction reflects the appreciation and comfort felt by an individual for the tasks they perform. Conversely, dissatisfaction at work can trigger negative reactions in the form of aggressive behavior or a tendency to withdraw from social interactions around them. Job satisfaction also greatly influences employee motivation and commitment to continue working with enthusiasm and achieve the desired goals. The purpose of this study was to determine the relationship between workload and job satisfaction with employee performance in the Medical Records Installation of Cut Meutia Hospital, Lhokseumawe in 2023. The research method was an analytical survey with a cross-sectional approach. The study was conducted at Cut Meutia Hospital, Lhokseumawe from September to December 2023. The study population was 40 Medical Records Installation employees. The sampling technique used total sampling, namely 40 respondents. Data analysis used univariate analysis and bivariate analysis. The results of the study based on the chi-square test showed a relationship between workload and employee performance at the Medical Records Installation of Cut Meutia Hospital, Lhokseumawe with a p-value = 0.001 <0.05 and a relationship between job satisfaction and employee performance at the Medical Records Installation of Cut Meutia Hospital, Lhokseumawe with a p-value = 0.000 <0.05. Conclusion; The conclusion in the study is that there is a relationship between workload and job satisfaction with employee performance at the Medical Records Installation of Cut Meutia Hospital, Lhokseumawe in 2023.

Employee performance is a critical determinant of service quality and operational success in hospitals. High-performing employees contribute directly to patient satisfaction, service efficiency, and overall institutional reputation. This study investigates the influence of intrinsic and extrinsic motivation on the performance of employees at Petrokimia Gresik Hospital, aiming to provide empirical evidence to guide strategic human resource management in healthcare settings. A quantitative research design was employed, with data collected using structured questionnaires. The respondents consisted of 85 permanent employees selected through simple random sampling, ensuring that the sample fairly represented the hospital's workforce. The questionnaire was designed to measure aspects of both intrinsic motivation (such as self-fulfillment, recognition, and meaningful work) and extrinsic motivation (such as salary, benefits, and job security), along with indicators of employee performance. Data were analyzed using multiple linear regression analysis to examine the individual and joint effects of the motivational variables on performance. The results revealed that both intrinsic motivation (β = 0.532, p < 0.05) and extrinsic motivation (β = 0.487, p < 0.05) had a statistically significant and positive impact on employee performance. The model showed that the combination of these two factors accounted for 68.2% of the variation in employee performance (R² = 0.682), indicating a strong explanatory power. These findings underscore the importance of a balanced motivational strategy in hospital management. Relying solely on financial incentives is insufficient; efforts must also be made to cultivate a positive and fulfilling work environment. Therefore, hospital administrators are encouraged to design integrated motivation programs that address both intrinsic and extrinsic factors to enhance employee engagement, productivity, and ultimately, the quality of healthcare services provided.

Gunung Kijang Subdistrict in Bintan Regency is one of the areas still facing various socio-economic challenges, particularly related to poverty issues. The problems faced include low income, limited access to education and healthcare, lack of employment opportunities, and low quality of life. Therefore, the Family Hope Program (PKH) is present as a social policy intervention from the government to help reduce the impact of poverty both directly and in the long term in Gunung Kijang by fulfilling basic needs, increasing participation in education, raising awareness of the importance of health, and empowerment through social assistance. This study aims to determine the extent of PKH’s effectiveness in reducing poverty rates in Gunung Kijang Subdistrict, Bintan Regency. The study uses a qualitative approach with a descriptive method. Data collection techniques include interviews, direct field observations, and documentation. In its analysis, this study refers to William N. Dunn’s public policy evaluation theory, which includes six main indicators: effectiveness, efficiency, adequacy, equity, responsiveness, and accuracy. The results show that PKH has a positive impact on beneficiary families (KPM). The program increases school attendance of children from poor families in primary and secondary schools, as attendance is an important component in the disbursement of aid. In addition, PKH encourages poor communities to be more active in accessing health services, such as community health centers (puskesmas) and integrated health service posts (posyandu), especially for vulnerable groups such as pregnant women, toddlers, and the elderly. The Family Hope Program (PKH) contributes to reducing the impact of poverty in Gunung Kijang Subdistrict. Although it has not fully resolved the root problems, PKH has the potential to be a tool to break the cycle of poverty and improve the quality of life of poor communities sustainably.  

Growth and development disorders in children can have a significant impact on their overall well-being, manifesting in various forms such as delays in fine and gross motor development, speech and hearing impairments, and even intellectual disabilities. Early detection of these issues is crucial for initiating timely interventions that can improve the child's quality of life. With technological advancements, various applications have emerged, providing an accessible means for parents to independently monitor their children's growth and development. One such tool is the PrimaKu application, which enables parents to track and assess their children's growth and developmental milestones at home. The aim of this service is to empower parents by enhancing their understanding and knowledge regarding the monitoring of their children's development, thereby promoting early detection of potential growth issues. The approach utilized in this service involves providing counseling on child growth and development, alongside demonstrations on how to use the PrimaKu application effectively. A survey conducted during the service activities revealed that the majority of participants (70%) had limited knowledge about child development, while 20% demonstrated adequate knowledge, and only 10% exhibited good knowledge. These findings indicate a significant gap in parents' awareness of child development. As a result, it is recommended that ongoing educational efforts be made at posyandu centers to further educate parents about child development. Introducing the PrimaKu application at these centers could also facilitate better tracking of children's growth and developmental progress, as the app serves as a useful tool for both parents and healthcare providers in ensuring that children meet important developmental milestones. The continuous integration of technology, such as the PrimaKu app, into child healthcare services could significantly contribute to improving early intervention practices and overall child development outcomes.

Hypertension is a condition characterized by elevated blood pressure, where the systolic pressure exceeds 140 mmHg and the diastolic pressure exceeds 90 mmHg. If not properly treated, hypertension can lead to severe complications, increased morbidity, and even mortality. This condition occurs when the heart works harder than usual to pump blood (systolic) and the blood flow returning to the heart (diastolic) also experiences increased pressure. One of the efforts to prevent the progression of hypertension from a primary to a secondary stage is through non-pharmacological treatments. One such treatment includes the use of natural remedies like celery leaves. Celery leaves contain active compounds such as flavonoids and potassium that are believed to help lower blood pressure by relaxing blood vessels and increasing the excretion of sodium through urine.This community service activity was carried out in Purwodadi Village and aimed to increase public awareness, especially among families, regarding hypertension and its non-pharmacological management using natural ingredients that are easy to find and affordable. The method used involved health education through counseling and direct demonstrations of how to prepare and consume celery leaf boiled water. Participants were actively involved in learning how to select, clean, boil, and properly consume the celery leaf water as a herbal drink.The results of the activity showed a significant improvement in community knowledge and understanding related to hypertension and the benefits of using celery leaves as a traditional remedy. It is hoped that after this activity, the local community will be able to independently apply this knowledge and routinely use boiled celery water as a preventive measure to maintain normal blood pressure and reduce the risk of complications. This effort is part of promotive and preventive health services to improve the quality of life and promote a healthy lifestyle at the village level.

In the healthcare system, hospitals have a legal responsibility to ensure the safety and rights of patients while receiving medical services. However, in certain emergency situations that are unpredictable—such as natural disasters, epidemics, social unrest, or technical disruptions beyond human control—hospitals face challenges in fulfilling their responsibilities optimally. These situations are often categorized as force majeure or circumstances of necessity. Issues arise when there is no clear and definite legal regulation regarding the extent to which hospitals can be exempted from legal responsibility in force majeure situations. This creates a legal gap that could harm both the hospital and the patients. This research aims to examine and analyze the legal gap regarding hospital responsibility in force majeure situations and provide a conceptual overview of the direction for forming ideal legal norms in the future. This research uses a normative juridical method, with a legislative and conceptual approach. The data sources consist of primary legal materials such as laws, government regulations, and technical regulations in the healthcare field; secondary legal materials such as literature, journals, and legal articles; and tertiary legal materials such as legal dictionaries. The analytical technique used is descriptive-analytical, focusing on the systematic interpretation of existing legal norms and theoretical approaches to the concepts of legal responsibility and force majeure in healthcare services. This research is expected to contribute academically and provide a foundation for the formulation of responsive and just legal policies in dealing with extraordinary situations in the healthcare sector. By addressing this legal gap, the study aims to provide a basis for future legal reforms that will protect both healthcare providers and patients in the face of unforeseen circumstances that may affect the provision of healthcare services.

The provision of clean water is a basic necessity and a fundamental responsibility of the government as a form of public accountability. Clean water not only plays a crucial role in supporting daily life but also directly affects public health, education, and economic productivity. However, the condition in Tanjung Melagan Island, located in the hinterland area of Batam City, still shows serious issues regarding access to clean water. Limited infrastructure, remote geographical location, and the lack of policy intervention are the main obstacles faced by the local community. This study aims to analyze the responsibility of the Batam City Government in providing clean water using J. Spiro’s accountability theory, which highlights three main indicators: accountability, obligation, and causality. This research employs a qualitative approach through in-depth interviews, field observations, and document studies. Informants in this study include officials from the Department of Human Settlements and Spatial Planning of Batam City, the Head of Galang Baru Subdistrict, and local residents of Tanjung Melagan Island. The results of the study indicate that the accountability of the Batam City Government in the provision of clean water has not been carried out substantively. Although formal forums such as Development Planning Meetings (Musrenbang) exist, their implementation remains procedural and does not fully absorb the aspirations and needs of the local population. The government's obligation to provide clean water is acknowledged normatively, but its realization often faces technical constraints, complex bureaucracy, and the delegation of responsibilities to non-governmental institutions. Furthermore, several underlying causes of this weak accountability were identified, including limited budgetary resources, poor inter-agency coordination, and low levels of community literacy and participation in planning and monitoring processes. Thus, this study emphasizes the importance of strengthening the role and capacity of local governments in providing essential services such as clean water, especially in underdeveloped and remote regions, to ensure that the principle of social justice is truly realized.

Completeness, suitability, and accuracy in filling medical record documents are essential for effective management of patient files, as well as for improving the overall quality of healthcare services. Medical records serve as a critical tool for documenting patient histories, treatments, and decisions made during their healthcare journey, thus impacting the quality of care provided. Incomplete or inaccurate documentation can lead to delays in treatment, miscommunication among healthcare providers, and legal issues related to patient care. Studies have shown that comprehensive medical records are linked to improved patient outcomes and enhanced operational efficiency in healthcare settings (Smith et al., 2019; Johnson & Patel, 2021). This study aimed to assess the completeness of patient medical record documents in the Medical Resume and Informed Consent forms for inpatients with surgical cases at Tgk. Chik Ditiro Sigli General Hospital. Using a descriptive quantitative approach, the research analyzed a random sample of 293 medical documents. The findings revealed that the completeness of medical record documentation was 69% for the Medical Resume sheet and 83% for the Informed Consent sheet. The study concluded that certain sections were either incomplete or omitted, primarily due to the assumption that certain fields were not applicable to the particular patient’s case. This highlights the need for further training and awareness for healthcare staff regarding the importance of complete medical documentation. The hospital should implement stricter guidelines for filling out medical records and ensure that healthcare workers fully understand the significance of accurate and complete documentation. Future research could explore strategies for improving the consistency of medical record documentation and evaluate the impact of training programs on filling medical records (Williams et al., 2020).

This study aims to describe the implementation of social activities by the 1000 Teachers Gorontalo Community, focusing on the Traveling and Teaching (TNT) program and free health check-ups in Atinggola District, North Gorontalo Regency. This community collaborates with volunteers and medical personnel to provide enjoyable education for children in remote areas and raise health awareness through free check-ups. A descriptive qualitative approach was used to understand the implementation of the program and its impact on the community through observation, in-depth interviews, and surveys. The results show that the TNT program, which combines education and tourism, successfully strengthened the relationship between volunteers and the community. The health check-ups provided direct benefits to communities that have difficulty accessing health services. The evaluation of this program revealed challenges such as limited time and medical personnel, but it still had a positive impact on improving the quality of education and health in the local community

Compliance of healthcare and medical personnel with established procedures—particularly Enterprise Risk Management (ERM) Standard Operating Procedures (SOPs)—is crucial for ensuring patient safety, high-quality healthcare services, and the sustainable operation of hospitals. This study analyzes the influence of Organizational Support, Motivation, and the Completeness of ERM SOPs on personnel compliance at Petrokimia Gresik Driyorejo Hospital. A quantitative approach using a survey method was employed. The study population included all healthcare and medical personnel directly involved with ERM SOPs. Through purposive sampling, 85 respondents were selected. Data collection used closed-ended questionnaires tested for validity and reliability. Data were analyzed using multiple linear regression through SPSS version 25. The analysis found that Organizational Support (X1), Motivation (X2), and ERM SOP Completeness (X3) simultaneously had a statistically significant effect on Compliance (Y), with the F-test showing F_calculated > F_table and significance < 0.05. Individually, all three independent variables showed a positive and significant relationship with compliance. Among them, ERM SOP Completeness had the greatest influence, followed by Motivation and then Organizational Support. These findings emphasize that clear, comprehensive, and accessible SOPs are essential in guiding staff behavior and ensuring consistent adherence to risk management protocols. Additionally, motivated employees supported by the organization are more likely to comply with procedures and internal policies. Therefore, organizational strategies should not only focus on developing complete SOPs but also on fostering a supportive work culture and enhancing staff motivation through training, recognition, and leadership support. In conclusion, the study suggests that hospitals aiming to improve compliance with ERM procedures should adopt a holistic approach by investing in SOP development, providing consistent organizational support, and maintaining high levels of employee motivation. These efforts will contribute to better risk mitigation, service quality, and overall hospital performance.

This study was conducted at Bio Live Healthy Home, located in Sei Bamban District, Serdang Bedagai Regency. The primary objective of this research is to determine how lifestyle, reference groups, and consumer attitudes influence the decision to use services offered by the institution. In a rapidly growing health and wellness industry, understanding consumer behavior is essential to improve service quality and increase customer engagement. To achieve the research objectives, the study employed a survey method with a quantitative approach. The target population consisted of service users, and a sample of 92 respondents was selected. Data collection was carried out through a combination of observation, interviews, documentation, and the distribution of structured questionnaires. The questionnaire was designed to capture variables related to lifestyle, reference groups, attitudes, and service usage decisions. Before conducting the main analysis, the data were tested for validity and reliability to ensure that the instrument accurately measured what it intended to measure. Furthermore, classical assumption tests, including normality, multicollinearity, and heteroscedasticity tests, were conducted to confirm the feasibility of using a multiple linear regression model. The analysis was performed using the Statistical Package for the Social Sciences (SPSS) software. The results of the study revealed that lifestyle, reference groups, and attitudes each had a significant and positive influence on the decision to use services at Bio Live Healthy Home. This indicates that individuals with health-conscious lifestyles, influenced by their social environment and holding positive attitudes toward wellness services, are more likely to engage with the services offered. Moreover, these three factors collectively contributed to a meaningful explanation of the variation in consumer decisions. In conclusion, the findings highlight the importance for service providers to consider psychological and social factors when designing marketing strategies.

In early 2024, deaths from Dengue Hemorrhagic Fever (DHF) increased again in Indonesia, with the number of cases higher than the previous year. This condition raises concerns because DHF remains a serious public health problem. The World Health Organization (WHO) emphasized that the key to reducing mortality lies not only in early detection but also in public access to fast, effective, and equitable health services. This statement aligns with the second point in the document "National Dengue Control Strategy 2021–2025" issued by the Ministry of Health, in which the government is committed to strengthening health security. In efforts to ensure this strengthening, public participation plays a crucial role, particularly through the public oversight function channeled through the media. The media acts as a bridge of information and a tool of social control over government performance, including in monitoring the provision of health services by BPJS Kesehatan. This study aims to analyze how news about health security reaches the public, using Brand24 media monitoring as an analytical tool. The research method used was descriptive qualitative, focusing on mapping issues, sentiments, and narratives developing in the digital space. The analysis showed that news containing the keyword "BPJS Kesehatan" was dominated by positive news, with several minor topics discussing aspects of public service. This finding indicates a media tendency to project a positive image of the institution, although further study is needed regarding media bias in the context of health security reporting in Indonesia. Future research is expected to explore the relationship between media framing, public interest, and the effectiveness of national health programs.  

The Child Identity Card (KIA) is an official document issued to children aged 0–17 years as a form of early recognition and protection of legal identity. The issuance of the KIA aims to support orderly population administration, facilitate access to public services, and strengthen child protection in various social, educational, and health aspects. In Bintan Regency, this policy has been implemented since 2017 and was reinforced through Regent Regulation No. 6 of 2022. However, in 2024, the KIA ownership rate only reached 53.48%, the lowest figure in the Riau Islands Province. This figure indicates a serious gap between policy and implementation in the field. In fact, the Bintan Regency Population and Civil Registration Office's Work Plan (Renja) set the KIA ownership target for 2024 at 65%, with the final realization being only 62%. This study aims to examine the factors influencing the low KIA ownership rate. The study used a descriptive qualitative approach with data collection techniques through in-depth interviews, observation, and documentation. Informants consisted of Disdukcapil officials and the community as service recipients. The implementation model used was Merilee S. Grindle's theory, which emphasizes six critical variables in policy success, including resources, communication, and implementer characteristics. The results of the study indicate that despite an increase in demand for KIA due to administrative requirements in education services, BPJS, and social programs, significant obstacles remain. These obstacles include limited outreach, a lack of service infrastructure in coastal and remote areas, and technical constraints such as a suboptimal online system. Therefore, acceleration strategies are needed, such as increasing the intensity of cross-sector outreach, integrating KIA services into integrated health post (Posyandu) and school programs, adding mobile services, and training local human resources.  

This study investigates the correlation between mental health and turnover intention among working students at STIE IBMI Medan who fulfill dual roles as both students and employees. These individuals are particularly vulnerable to psychological stress arising from academic responsibilities and workplace demands. The objective of this research is to examine the influence of mental health on their tendency to resign from their jobs. An associative quantitative research method was adopted, with data collected through structured interviews involving 71 respondents. The analysis was conducted using simple linear regression via the SPSS application. The findings reveal that mental health has a significant negative effect on turnover intention, with a significance value of 0.001. This suggests that students who experience better mental health are less likely to consider leaving their jobs. The coefficient of determination (R Square) is 14.6%, indicating that mental health explains 14.6% of the variation in turnover intention. The remaining 85.4% may be attributed to other contributing factors, such as high work pressure from supervisors, poor work-life balance, financial stress, inflexible schedules, and lack of organizational support. The implication of these results is that efforts to support and maintain the psychological well-being of working students are essential for reducing employee turnover. Educational institutions and employers should collaborate to create supportive environments through counseling services, flexible scheduling, mental health awareness programs, and policies that accommodate the dual responsibilities of student workers. By addressing these mental health concerns, institutions can improve student performance and job retention simultaneously. This study highlights the importance of integrating mental health strategies in workforce and academic management, especially for populations that manage competing academic and professional obligations.

Efforts to realize the implementation of good medical records require supporting elements in the form of medical record folders with a design that meets standards. Medical record folders protect patient documents and simplify the process of identifying, storing, and managing health data. Based on the results of observations at the UMSIDA Physiotherapy Clinic, the medical record folder used is still simple, only made of ordinary paper without a logo, name, clinic address, or columns for writing patient identity and medical record number. This condition has the potential to cause obstacles in the administration and security of patient data. The purpose of this research is to redesign (redesign) medical record folders based on anatomical, physical, and content aspects to make them more professional and functional. The methods used include needs analysis through interviews with users, evaluation of old designs, and the creation of new designs. The redesign was carried out by adding heading elements in the form of the name and address of the clinic, introduction in the form title or medical record folder, and instructions in the form of the text "Confidential Documents." On the body, the patient's identity is contained such as full name and medical record number. From the physical aspect, the folder is designed in the form of a portrait with a size of 21.5 cm × 33.0 cm, using white 260 grams of ivory paper with a blue background. Meanwhile, the content aspects include the identity of the health service facility, the writing "Confidential Document," the patient's name, medical record number, and year of visit. The results of the study concluded that the redesign of the medical record folder has met the anatomical, physical, and content standards needed to support more organized health services.

Pharmacist professionalism is a key component in ensuring the quality of pharmaceutical services, encompassing not only compliance with technical and scientific standards but also a deep commitment to moral and ethical principles. In the Indonesian cultural context, the concept of "medicine as a trust" (obat sebagai amanah) reflects a profound sense of responsibility, where medicine is viewed not merely as a commodity, but as a mandate that must be preserved with integrity and accountability in health care practices. This article conceptually explores the relationship between pharmacist professionalism and the moral value of trust within the framework of the Nusantara constitutional theory. This theory emphasizes the integration of legal, cultural, and moral dimensions in shaping professional conduct in Indonesia. Using a descriptive-critical approach through literature review, this study investigates how trust functions as both a legal expectation and a cultural imperative in the practice of pharmacy. The findings highlight that trust must be internalized as a core value in pharmaceutical services—manifested through ethical decision-making, transparency in drug management, and a commitment to prioritizing patient welfare. Pharmacists are not only required to uphold professional standards, but also to carry out their duties as custodians of public trust. To realize this vision, the integration of the value of trust into pharmacy education, legal regulations, and clinical practice is essential. Educational institutions, professional organizations, and regulatory bodies must work collaboratively to instill this value as part of a pharmacist’s identity. In doing so, the profession can contribute more effectively to building a health care system that is just, culturally grounded, and centered on the well-being of the people.

Anxiety experienced by pregnant women is a common psychological problem and can have a significant negative impact on maternal health and fetal development. This anxiety can be caused by various factors, including physical changes, concerns about the delivery process, and new responsibilities as parents. Therefore, it is important to find effective ways to address this anxiety. One non-pharmacological approach that can be implemented is the use of lemon aromatherapy, which is known to have calming and relaxing properties. This activity aims to increase the knowledge and skills of pregnant women in utilizing lemon aromatherapy as a method to reduce their anxiety. This activity was held in June 2025 at PMB Lismarini, involving 20 pregnant women who actively participated in this program. The method used in this activity included several stages: education on the benefits of aromatherapy, demonstrations on how to use it, hands-on practice using lemon aromatherapy, and evaluation conducted through pre- and post-tests to measure changes in participants' anxiety levels. The results of this activity showed a significant decrease in participants' anxiety levels. Previously, many pregnant women were in the severe and moderate anxiety categories, but after participating in the activity, they shifted to mild anxiety and even no anxiety. Lemon aromatherapy has been proven effective in providing relaxation and reducing emotional tension experienced by pregnant women. Therefore, this activity is expected to become a promotional educational model in maternal health services. Through this approach, it is hoped that pregnant women will better understand and utilize aromatherapy as a way to maintain their mental health during pregnancy. Furthermore, this activity can also provide health workers with insight into the importance of non-pharmacological approaches in supporting the mental health of pregnant women.

Advances in information technology-based financial services are beginning to follow suit, in the form of peer-to-peer lending, which provides easy access to loans without the need for conventional financial institutions. However, this convenience brings new challenges, particularly regarding the protection of users' personal data. Many platform providers access excessive amounts of sensitive information, such as contacts, photos, and other personal data, which can be misused to the detriment of borrowers. Therefore, this study aims to identify and analyze regulations related to personal data protection, particularly in the field of peer-to-peer lending services in Indonesia. It also analyzes the role of financial institutions, namely the Financial Services Authority (OJK), in addressing potential violations committed by platform providers. Using a normative legal approach, the study shows that despite the existence of these regulations, implementation in the field is suboptimal, particularly in terms of monitoring illegal platforms. Furthermore, challenges to oversight include limited resources and a lack of digital literacy among the public, which results in many users not fully understanding the risks of sharing their personal data. This study also highlights the importance of collaboration between the OJK, the Ministry of Communication and Information Technology, and law enforcement agencies to strengthen oversight mechanisms and take action against violations. In addition, extensive public education regarding personal data security is needed to encourage greater vigilance in using digital services. Personal data protection must be a top priority in the development of financial technology to prevent privacy violations. Strict regulations and effective sanctions are expected to provide a deterrent effect and create a healthy and equitable fintech ecosystem in Indonesia. This study also recommends that the government accelerate harmonization between the Personal Data Protection Law (PDP Law) and financial services sector regulations, particularly regarding service providers' transparency obligations in managing consumer data.  

Antenatal Care (ANC) is an essential component of maternal health services that plays a vital role in maintaining the health of the mother and fetus during pregnancy and delivery. In Indonesia, coverage of ANC services K1 has reached 100%, but coverage of K4 has only reached 78% and has not met the national target. A case study in Sidenreng Rappang Regency showed better results with K1 coverage of 98% and K4 reaching 97%, although there is still room for improvement. This quantitative study with a cross-sectional design aims to analyze the relationship between maternal knowledge, attitudes, and husband's support factors on the utilization of ANC services at the Compong Village Health Post. The study population included 190 mothers with toddlers registered at the Compong Village Health Post. Sampling was carried out using the Slovin formula with a 95% confidence level and a 5% margin of error, resulting in 127 respondents as the research sample. The data collection method was carried out through a structured questionnaire containing questions about respondent characteristics, level of knowledge, attitudes towards ANC, and level of husband's support. Data analysis used the Chi-Square statistical test with a significance level of p<0.05 to determine the relationship between the independent and dependent variables. The results revealed several important findings. First, there was a significant relationship (p=0.002) between maternal knowledge and utilization of ANC services. Second, maternal attitudes also showed a significant relationship (p=0.001) with the frequency of ANC visits. Third, husband's support was shown to have a significant influence (p=0.003) on maternal participation in ANC programs. These findings confirm the multifactorial role in determining ANC service utilization. Practical implications of this study include recommendations for improving health education programs that not only target pregnant women but also actively involve husbands.