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This study aims to analyze the legal protection for insurance customers in the settlement of policy claims at PT Asuransi Bumi Putera, with reference to Law No. 8 of 1999 concerning Consumer Protection. The main problem faced by customers is the delay in payment of claims, which is contrary to the main purpose of insurance to compensate for losses experienced by customers. Based on available data, many claims have not been paid, indicating the non-compliance of insurance companies with their obligations. This research examines the forms of legal protection regulated in the Consumer Protection Law, particularly regarding the customer's right to obtain clear information, compensation, and dispute resolution. In addition, this study also highlights the preventive and repressive aspects of legal protection, where preventive protection aims to prevent disputes from occurring, while repressive protection provides legal avenues for aggrieved customers to obtain compensation. While the law has provided a clear basis of protection, consistent implementation and enforcement are still needed to ensure customer rights are fulfilled. This research is expected to contribute to improving legal protection for insurance customers in Indonesia, as well as encouraging insurance companies to fulfill their obligations in a timely manner in accordance with applicable regulations.

This study aims to analyze the availability of data centers and regional promotion needs in supporting e-government implementation through the Family Information System Application (SIGA) at BKKBN Gorontalo Province. It also assesses how SIGA and its integrated dialog features contribute to public services. The findings indicate that data input in SIGA has reached 100%, covering family planning services, field supervision, and families at risk of stunting, both in monthly and annual reports. However, this completeness does not fully reflect field realities, particularly regarding youth groups outside formal education who remain underdocumented. Despite this, SIGA data has become a reference for regional health information policy development. Overall, SIGA has improved public service efficiency through fast, accurate, and timely data delivery. Yet, the system remains limited in providing interactive, two-way communication between government and citizens. This study recommends enhancing SIGA’s dialog function and engaging underrepresented community groups to support inclusive and responsive public services.

This study analyzes the readiness for digital transformation at the North Sumatra Department of Population and Civil Registration (Dispendukcapil), which faces several challenges, including inadequate infrastructure, limited human resource competencies, and suboptimal internal policies. The findings indicate that infrastructure development, skill enhancement for human resources, and effective digital service integration can improve public service quality and increase public trust. Furthermore, national policy support and collaboration with external parties can accelerate the digital transformation process. Recommendations include sufficient budget allocation, regular training, the development of comprehensive standard operating procedures (SOPs), and periodic evaluations to identify and address implementation challenges. By implementing these measures, Dispendukcapil North Sumatra is expected to achieve a more efficient, transparent, and reliable digital-based public service system.

The number of layoffs during Covid-19 due to the presence of the Large-Scale Social Restrictions (PSBB) policy not only has an impact on the health sector, but also has a wide impact on social and economic coverage, especially in the formal and informal employment sector. One of the main problems that arises is the increasing cases of Termination of Employment (PHK) which causes economic uncertainty for workers and their families. The researcher is encouraged to conduct an in-depth analysis of this condition after the enactment of the Job Creation Law, especially in the perspective of fulfilling the rights of workers affected by the pandemic. This study uses a normative legal research method with a legal legal approach, focusing on the employment aspect. Data was obtained through literature studies which included primary sources in the form of laws and regulations, as well as secondary sources in the form of literature, journals, scientific articles, and relevant court decisions. The results of the study show that there are still differences in implementation in fulfilling the rights of workers who have been laid off during the pandemic. Based on the decisions analyzed, it was found that there are still cases where workers do not get their rights in full, either related to severance pay, service award money, or other compensation money that should be guaranteed by law. These findings indicate that the role of judges in deciding layoff cases is very important to ensure maximum justice and protection for workers. Therefore, the author recommends that judges in deciding cases related to layoffs be guided by the principles of labor law, the principles of social justice, and applicable laws and regulations.

This study aims to analyze the role of the Quick Response Code Indonesian Standard (QRIS) as a key driver in the development of Financial Technology (Fintech) that contributes to increasing financial inclusion in Indonesia. Using qualitative methods through a descriptive approach, this study focuses on exploring and understanding phenomena related to QRIS implementation and its impact on the national digital financial ecosystem. Research data was obtained through literature studies from various relevant primary and secondary sources, thus providing a strong theoretical and practical foundation. The results show that QRIS functions as a link between cross-platform digital payment ecosystems, enabling interconnection between service providers, and facilitating non-cash transaction processes in a faster, safer, and more efficient manner. Furthermore, QRIS not only supports the development of financial technology in urban areas but also expands the reach of digital financial services to remote areas that were previously difficult to access by conventional banking services. Thus, QRIS plays a significant role in encouraging public participation in the formal financial system and helping achieve the national financial inclusion targets set by the government. This study concludes that QRIS is a strategic instrument in strengthening the foundation of Indonesia's digital economic transformation. Increasing financial inclusion not only impacts equitable access to financial services but also contributes to more inclusive and sustainable economic growth. These findings illustrate that QRIS is a technological policy innovation with strategic value, not only as a transaction tool but also as a driving force for digital financial integration in the era of national economic transformation. QRIS is a strategic tool in realizing national financial inclusion targets and supporting the vision of transformation towards Indonesia's digital economy.

This study aims to analyze and identify the position, types, and ideal concept of curriculum within the educational system, particularly in the context of Indonesia's national education. The curriculum is regarded as the core of the educational system as it serves as the foundation for lesson planning, educational goal setting, material selection, and ensuring equitable access to quality education. The role of the curriculum in education carries strategic functions, including serving as a guide for teachers, a reference for evaluating the learning process, and a framework for developing students' holistic and sustainable competencies. The types of curriculumare classified based on orientation (traditional to modern), value systems (from humanistic to reconstructionist), and modes of implementation (theoretical or practical). This study employs a qualitative approach through literature review, drawing on educational books, peer-reviewed journal articles, and government policy documents. In the Indonesian context, the evolution of the curriculum from 1947 to 2023 reflects socio-political dynamics and shifts in global educational paradigms. The latest curriculum reform, known as Kurikulum Merdeka, represents an effort toward modernization and responsiveness to contemporary needs, emphasizing differentiated learning, character building, and flexibility in developing students' potential. The ideal curriculum concept proposed in this study is one that integrates academic, humanistic, technological, and social reconstruction approaches to create relevant, participatory, and meaningful learning experiences for students in addressing the challenges of the 21st century.

As a major contributor to GDP and job creation, Micro, Small, and Medium Enterprises (MSMEs) play an important role in the Indonesian economy. The purpose of this study is to evaluate the extent to which MSME business actors are able to support tax compliance while maintaining their business continuity through the implementation of the Income Tax (PPh) Article 23 policy. in the form of services, rent, profits, interest, and royalties are subject to PPh Article 23 tax. The implementation of the Income Tax Article 23 policy using taxation theory, public policy theory, tax law theory, and public management theory, this study uses a descriptive analysis methodology. The impact of the implementation of this tax on the financial and administrative aspects of MSMEs is examined, as well as the efficiency of the tax deduction system in increasing tax compliance. The results of the study, the application of a final rate of 0.5% based on PP No. 23 of 2018 and the supporting deduction / collection method in the PPh Article 23 policy, help ease the tax burden for MSMEs. The source deduction scheme has succeeded in increasing state revenues and ensuring tax compliance. There are still issues regarding the effectiveness of this policy, especially related to administrative compliance, such as processing certification, which is required to obtain a lower final rate. The main obstacles are literacy among MSMEs, lack of knowledge about the tax administration process, and the possibility of double taxation for MSMEs that do not have certificates are the main challenges noted. have not utilized the available incentives optimally due to lack of awareness and familiarity with the policy. This study concludes that in order to increase the effectiveness of the Income Tax Article 23 policy for MSMEs, significant efforts need to be made, such as tax education, simplification of administration, and strengthening supervision. The suggestion that can be given is that this policy can provide the greatest benefits for the growth and sustainability of MSME businesses which are the foundation of the national economy.  

This study aims to evaluate the effectiveness of criminal law policies in efforts to eradicate narcotics networks in Indonesia during the 2015-2024 period. The drug problem continues to be a serious threat to national resilience, with increasingly organized crime patterns and utilizing sophisticated technology. This research uses a juridical-empirical approach with a qualitative research method to analyze the implementation of criminal law policies towards eradicating drug networks. Data was obtained through literature study and in-depth interviews with stakeholders in the field of drug law enforcement. The results show that criminal law policy in Indonesia still faces various challenges, including inconsistencies in the application of penalties, limited coordination between institutions, and problems in implementing rehabilitation programs. Factors affecting policy effectiveness include aspects of legislation, law enforcement, public awareness, and international cooperation. This research recommends comprehensive policy reform, increasing the capacity of law enforcement officials, strengthening the rehabilitation system, and optimizing regional and international cooperation in combating drug networks

This study discusses the phenomenon of increasing corruption cases in Indonesia, which is caused by the lack of effective criminal penalties. Although Law No. 20/2001 concerning the Eradication of Corruption regulates the threat of the death penalty for perpetrators of corruption, in practice it has never been implemented. This study uses the approach of the law enforcement system theory and the theory of punishment, with normative legal methods and literature studies. The results show that the difficulty of implementing the death penalty in corruption cases in Indonesia is caused by the pros and cons and rejection from the community and law enforcement. This finding indicates the importance of reforming the death penalty policy for perpetrators of corruption to provide a deterrent effect and prevent similar cases in the future. Therefore, this study recommends improving the law enforcement system and more effective anti-corruption policies.

The incentive program for Al-Qur'an Education Park (TPQ) teachers in Batam City is part of a regional policy aimed at supporting the role and function of Al-Qur'an teachers in fulfilling Al-Qur'an literacy certification and basic religious understanding for elementary and secondary school students. This program has been implemented since 2009 and has experienced a gradual increase in incentive values until 2024. However, in Nongsa District, the implementation of this program still faces several obstacles. Identified problems include delays in fund distribution, inaccurate data verification, and inaccurate targeting of incentive recipients. This study aims to analyze the effectiveness of the incentive program managed by the Al-Qur'an Teacher Consultative Body (BMGQ) of Nongsa District by the Batam City Government. The research method used is qualitative, with data collection techniques through in-depth interviews, documentation, and observation. The results show that this program has had a positive impact, especially in increasing teachers' teaching enthusiasm, helping their economy, and maintaining the sustainability of Al-Qur'an education in the region. However, the effectiveness of program implementation is not yet optimal. Obstacles identified include a lack of publicity regarding the program's objectives to the community and beneficiaries, limited incentive recipient quotas, the lack of a real-time data monitoring system, and delays in the document signing process (amprah), which has delayed incentive disbursement. Therefore, ongoing evaluation by the local government and the BMGQ (Regional Teachers' Association) is necessary to ensure that incentive distribution is more targeted, equitable, and in line with the program's initial objectives, so that all TPQ teachers in Nongsa District can experience maximum benefits.

Pancasila learning at the elementary school level has a strategic role in forming the ethical and moral foundations of the younger generation from an early age. This article aims to analyze the influence of Pancasila learning on the formation of ethical and moral character of elementary school students with a descriptive qualitative approach. Data were obtained through classroom observations, interviews with teachers, and documentation studies in several elementary schools in urban and rural areas. The results of the study indicate that Pancasila learning that is implemented consistently and contextually can foster an attitude of tolerance, responsibility, mutual cooperation, and a sense of love for the homeland in students. Pancasila values ​​conveyed through a thematic approach and based on real experiences have proven to be more effective in forming positive student behavior in the school environment and at home. However, challenges remain, such as the lack of teacher understanding of effective learning methods and low support from the environment outside of school. Therefore, there needs to be continuous teacher training and synergy between schools, families, and communities so that Pancasila learning can function optimally in forming children's character. In conclusion, Pancasila learning has a significant influence on the formation of ethics and morals of elementary school students, but the success of its implementation is highly dependent on the method, consistency, and support from various parties. This article is expected to be a reference for educators and policy makers in designing a more adaptive and applicable value curriculum.

Manipulation of public data in criminal policy is a strategic practice that selects and frames information to cover up institutional violations, and legitimizes repressive policies that ignore the principle of justice. Unfortunately, the development of communication technology has accelerated the circulation of information, leading to the birth of repressive policies based on popularity and distorted narratives. This study uses a qualitative research method with a conceptual approach. The data collection method was collected using library research, then analyzed using qualitative methods and presented descriptively. The results of the study indicate that manipulation of public data in criminal policy shifts the orientation of policy from fact-based rationality to biased emotional responses, so that it not only widens inequality and creates selective law enforcement, but also damages institutional legitimacy and erodes public trust in the criminal justice system. A transformative mitigation strategy is needed institutionally and culturally, through the implementation of comprehensive transparency in the entire data management cycle, strict and enforceable regulations, increasing public data literacy as a bulwark against misleading narratives, and the ethical use of digital technology, in order to return policy to a basis of evidence that is fair, accountable, and relevant to the social complexity faced.

This study examines the role of local governments in strengthening religious education through the policy of exempting Education Development Contributions (SPP) in the era of regional autonomy. The free tuition policy is one of the local government's strategic efforts to increase access and equity in religious education, especially for the underprivileged. Using a qualitative approach, this study analyzes policy implementation, obstacles faced, and the impact of policies on the quality and equity of religious education in religious education units. The results of the study show that local governments play the role of regulators and facilitators by providing supportive budgets and regulations, thereby encouraging an increase in student participation and the quality of religious education. However, challenges in data validation and budget management still need to be overcome for more optimal policy effectiveness. This study emphasizes the importance of synergy between local governments and communities in developing inclusive and sustainable religious education in the era of decentralization.

Banjarsari Sub-district is one of the government agencies that has duties and functions in supporting public services, especially population administration services. To realize maximum service, Banjarsari Sub-district presents the “Mlebu Peteng” innovation, namely administrative services at night as a form of adaptation to the needs of people who have limited time during regular working hours. This innovation is an effort to improve service quality by expanding community access to public services. The purpose of this research is to describe the implementation of the “Mlebu Peteng” night service at the Surakarta City Banjarsari Sub-district Office and the obstacles experienced during the service process. The research method uses a descriptive qualitative approach with data collection techniques through observation, interviews, and documentation. The results showed that the implementation of the “Mlebu Peteng” innovation has helped the community in obtaining services outside working hours, with the level of community satisfaction reaching 91.77% in 2024. Based on George C. Edward III's policy implementation theory, the success of this innovation is supported by effective communication, adequate resources, positive disposition of officers, and a clear bureaucratic structure. However, there are several obstacles such as the lack of budget for officer incentives, uneven understanding of technology among staff, limited KTP-el recording services and SOPs that do not include mechanisms for handling technical complaints.

This study aims to examine the regulatory framework concerning Government Employees with Work Agreements (PPPK), particularly in Functional Expert Positions in Indonesia and to identify how the policy implementation of PPPK in Functional Expert Positions is carried out at the Constitutional Court. The research employs an empirical method with a qualitative approach. The types of data used include both primary and secondary data: primary data was obtained through field interviews, while secondary data consists of documents, information, books, and facts sourced from official records and legislation. The findings of this study indicate that the implementation of policies related to Functional Expert Positions at the Constitutional Court still faces regulatory inconsistencies, especially in the selection mechanism, which does not fully adhere to the established rules. Additionally, competency development for PPPK employees is not supported by systematic planning, which risks creating skill gaps. This situation may lead to uncertainty in career progression and reflects that the management of PPPK still encounters several fundamental challenges in its implementation.  

The livestock industry plays a strategic role in providing animal-based food, yet it continues to face challenges related to efficiency and sustainability. Issues such as land limitations, animal diseases, and feed price fluctuations demand innovative production systems. One emerging solution is digital livestock farming, which integrates information and communication technologies into livestock management. This study aims to examine the role of digital livestock farming in improving production efficiency through a literature review of scientific sources published between 2017 and 2024. Literature was gathered from electronic databases and analyzed using a descriptive-qualitative approach with thematic analysis. The findings reveal that technologies such as the Internet of Things, biometric sensors, big data, and artificial intelligence enhance feed efficiency, animal health, reproduction, and labor management. Moreover, these technologies improve animal welfare and reduce environmental impact. However, challenges such as low digital literacy, limited infrastructure, and insufficient policy support hinder implementation, especially in developing countries. This review highlights the need for cross-sector collaboration to support sustainable digital livestock adoption.

This research aims to analyze teachers’perceptions regarding inclusive education and to identify the barriers in the implementation of education policies for Children with Special Needs (CSN) in Indonesia. The method used in this research is descriptive qualitative through a literature riview that analyzes scientific literature and related policies. The results of this study indicate that although the majority of teachers support the concept of inclusive education, there are still significant obstacles in its implementation, such as the lack of teachers’ competence in handling CSN, limited training, and minimal supporting facilities. However, there are also great opportunities to strengthen the inclusive education syste, through ongoing teacher training and collaboration between schools, parents, and community. Theachers’ perceptions of Children with Special Needs (CSN) are influenced by their experiences, understanding of inclusive education, and the situations in schools. This finding concludes that the success of inclusive education healivy depends on the readliness of teachers and support from various skateholders. Therefore, i tis necessary on enchance teachers’ competencies and foster good cooperatoin on effectively implement inclusive education policies.    

The education system in Indonesia comprises a series of interconnected components and educational activities aimed at achieving national education goals. With the growing demands for educational reform, policies related to education have undergone several modifications. Every individual in the country has the right and obligation to attain a decent life; however, in reality, many are still unable to experience genuine well-being. This situation arises because the government and leaders tend to prioritize rights over fulfilling their responsibilities. The methodology employed is qualitative, The research findings indicate that the education policies implemented have not yet fully reached all segments of society, particularly vulnerable groups, despite the presence of public participation in forums such as Musrenbang. Moreover, the success of implementation largely depends on effective coordination between central and regional governments, as well as adequate socio-political support.

Regional tourism development is a crucial strategy for driving local economic growth and preserving cultural heritage. However, field conditions often reveal that policy implementation does not always proceed optimally. The Sekarsari Bathing Area in Mojokerto City is one of the tourism sites targeted by development policies, yet it has not demonstrated significant impact on community welfare or tourism attractiveness. This study aims to evaluate the implementation of regional tourism development policies at the Sekarsari site using William N. Dunn’s policy evaluation theory, which includes six criteria: effectiveness, efficiency, adequacy, equity, responsiveness, and appropriateness. This research adopts a qualitative approach with a case study design. Data were collected through in-depth interviews, field observations, and document analysis from various stakeholders such as the tourism office, site managers, local businesses, and community members. The research instruments were developed flexibly and iteratively according to field dynamics. Data analysis was conducted through data reduction, data display, and conclusion drawing in an interactive manner. The findings reveal that the tourism development policy at Sekarsari has not yet yielded optimal outcomes. The main weaknesses lie in the lack of community participation, uneven distribution of economic benefits, and limited innovation and promotion. Although there have been improvements in basic infrastructure and a modest increase in visitor numbers, the policy has not been fully responsive to local needs. In conclusion, the current policy does not fully meet Dunn’s six evaluation criteria and requires revisions in both strategic planning and technical implementation. This study recommends that future tourism policies be more community-based, inclusive, and adaptive to local contexts. For future research, a mixed-methods approach involving quantitative and geospatial analysis is suggested to strengthen comprehensive evaluative evidence.    

Indonesia has abundant renewable energy potential, but its utilization still faces various technical, economic, social, and policy barriers. This article examines renewable energy integration strategies through a smart grid approach as a systemic solution to build a reliable, efficient and sustainable electricity system. Using a literature review method, it highlights key challenges such as intermittency of energy sources, limited storage infrastructure, high initial investment costs, and regulatory and social resistance. The integration strategies discussed include the development of energy storage technologies, increased flexibility of the electricity system, optimization of plant planning and operations, energy policy reform, and investment in infrastructure and digitalization. The vital role of smart grids is made clear through case studies of implementations in remote areas that have successfully improved distribution efficiency and community participation. The results confirm that successful integration of renewable energy requires synergy between technology, policy, and active community involvement. In conclusion, smart grid is not just a technological infrastructure, but the foundation of transformation towards a national energy system that is low-emission, inclusive, and long-term resilient.