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Penelitian ini bertujuan untuk mengetahui prosedur pencairan pembiayaan gadai emas pada PT Bank Syariah Indonesia Tbk KC Jambi Pattimura serta menganalisis kesesuaiannya dengan ketentuan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Produk gadai emas merupakan salah satu layanan pembiayaan jangka pendek yang memberikan kemudahan bagi masyarakat dalam memperoleh dana dengan menjadikan emas sebagai barang jaminan tanpa harus menjual aset yang dimiliki. Penelitian ini menggunakan metode deskriptif dengan pendekatan kualitatif. Data yang digunakan terdiri atas data primer dan data sekunder. Data primer diperoleh melalui observasi dan wawancara dengan pegawai yang menangani produk gadai emas, sedangkan data sekunder diperoleh dari dokumen perusahaan, buku, jurnal, peraturan, dan fatwa yang berkaitan dengan pembiayaan gadai emas syariah. Teknik pengumpulan data dilakukan melalui observasi, wawancara, dan studi pustaka, sedangkan analisis data dilakukan secara deskriptif dengan membandingkan praktik yang diterapkan di perusahaan dengan ketentuan syariah yang berlaku. Hasil penelitian menunjukkan bahwa prosedur pencairan pembiayaan gadai emas pada PT Bank Syariah Indonesia Tbk KC Jambi Pattimura meliputi tahap pengajuan pembiayaan, pemeriksaan dan penaksiran emas, penentuan jumlah pembiayaan, pelaksanaan akad, dan pencairan dana kepada nasabah. Berdasarkan hasil analisis, prosedur yang diterapkan telah sesuai dengan ketentuan Fatwa DSN-MUI mengenai pembiayaan gadai emas, baik dari aspek pelaksanaan akad maupun penetapan biaya pemeliharaan dan penyimpanan barang jaminan. Dengan demikian, dapat disimpulkan bahwa prosedur pencairan pembiayaan gadai emas pada PT Bank Syariah Indonesia Tbk KC Jambi Pattimura telah dilaksanakan sesuai dengan prinsip syariah dan ketentuan yang berlaku dalam kegiatan perbankan syariah

Jaminan sendiri memiliki makna yaitu menjamin agar dipenuhinya kewajiban yang dapat dinilai dengan uang yang timbul akibat adanya perikatan hukum. Hukum jaminan berkaitan erat dalam hubungannya dengan hukum benda-benda. Dalam Pasal 87 Peraturan Menteri Keuangan Nomor 122 tahun 2023 disebutkan bahwa “lembaga jasa keuangan sebagai kreditor dapat membeli agunanya dalam pelaksanaan lelang sepanjang diatur dan tidak bertentangan dengan peraturan perundang-undangan”. Penelitian ini merupakan penelitian yuridis normatif dengan pendekatan konseptual, Hasil dari penelitian ini yaitu bahwa seyogyanya setiap orang atau badan hukum selain Lembaga Jasa Keuangan bisa melakukan pembelian jaminanya yang diterimanya karena semua orang mempunyai hak dan kedudukan yang sama dimata hukum, sehingga peserta lelang tidak hanya Lembaga jasa keuangan tetapi bisa semua orang yang dapat melakukan pembelian jaminan terhadap jaminan yang dijadikan objek dalam perjanjian dan dinyatakan jelas dalam perjanjian accessoir merupakan perjanjian tambahan terhadap perjanjian pokoknya yang dapat dilaksanakan dengan mekanisme lelang dimuka umum melalui pejabat lelang.

Notaris sebagai pejabat umum pemegang kewenangan atributif negara dalam pembuatan akta otentik menghadapi kerentanan hukum serius akibat penggunaan dokumen palsu oleh penghadap beriktikad buruk. Asas kepercayaan (vertrouwen) menempatkan notaris pada posisi paradoks: wajib melayani masyarakat, namun berisiko dikriminalisasi atas kejahatan pihak yang dilayaninya. Penelitian ini mengkaji tiga permasalahan: pengaturan hukum tanggung jawab notaris atas akta berbasis dokumen palsu, ketidakmemadaian regulasi dalam melindungi notaris, serta model perlindungan hukum ideal bagi notaris menghadapi pemalsuan dokumen penghadap. Penelitian menggunakan metode yuridis normatif dengan pendekatan perundang-undangan, konseptual, dan kasus, berbasis data sekunder yang dianalisis melalui content analysis dan divalidasi melalui triangulasi sumber. Hasil penelitian menunjukkan: Pertama, UUJN dan KUHPerdata membatasi tanggung jawab notaris pada kebenaran formal dan prosedural pembuatan akta, sedangkan kebenaran materiil dokumen merupakan tanggung jawab mutlak penghadap. Kedua, regulasi berlaku belum memadai karena UUJN tidak memuat klausul good faith immunity, mekanisme shifting of liability belum diatur secara rigid, kewenangan Majelis Kehormatan Notaris terbatas pada fungsi administratif tanpa daya ikat terhadap proses penyidikan, serta ketiadaan sistem verifikasi identitas digital terintegrasi. Ketiga, model perlindungan ideal adalah model tiga lapis: lapis preventif melalui verifikasi identitas digital real-time terintegrasi dengan Dukcapil dan BPN; lapis normatif melalui amandemen UUJN yang memuat klausul imunitas iktikad baik dan pengalihan tanggung jawab material kepada penghadap manipulatif; serta lapis represif melalui penetapan izin MKN sebagai syarat mutlak penetapan tersangka dan jaminan rehabilitasi bagi notaris yang dikriminalisasi secara tidak sah.

Abstract. The right to health is an integral part of human rights guaranteed by the Constitution and further reinforced by Law Number 17 of 2023 on Health, which places the state as the party responsible for ensuring the provision of safe, high-quality, and non-discriminatory health services for all citizens. However, in practice, the fulfillment of the right to health continues to face various challenges, particularly in the delivery of health services for participants of BPJS Kesehatan. This study aims to analyze the legal protection of the right to health in Indonesia and to examine the refusal of medical services to BPJS patients that resulted in death in Papua from a human rights perspective. The research employs a normative legal research method using statutory, conceptual, and case approaches. The findings indicate that although the national legal framework has clearly regulated the obligations of the state and health care facilities in providing emergency services, its implementation remains weak due to administrative barriers, unequal access to health services, and inconsistent law enforcement. The refusal of medical services to BPJS patients in Papua reflects a tension between hospitals’ administrative compliance and the professional obligation of medical personnel to save human lives. The implications of this study emphasize the need to strengthen supervision, ensure consistent law enforcement, and improve health service governance so that the right to health is truly protected as part of human dignity within the Indonesian rule of law. 

Program Makan Bergizi Gratis (MBG) merupakan salah satu kebijakan strategis pemerintah dalam upaya pemenuhan gizi masyarakat yang dilaksanakan melalui Satuan Pelayanan Pemenuhan Gizi (SPPG) sebagai penyedia layanan pangan. Dalam implementasinya, setiap SPPG diwajibkan memiliki sejumlah legalitas keamanan pangan, seperti Sertifikat Laik Higiene Sanitasi (SLHS), Hazard Analysis and Critical Control Point (HACCP), dan Sertifikat Halal guna menjamin mutu serta keamanan produk makanan yang didistribusikan kepada penerima manfaat. Namun demikian, masih ditemukan SPPG yang belum memenuhi persyaratan sertifikasi tersebut tetapi telah beroperasi dan ditetapkan sebagai penyedia layanan dalam Program MBG. Penelitian ini bertujuan untuk menganalisis bentuk inkonsistensi regulasi dalam sertifikasi keamanan pangan pada SPPG serta mengkaji dampaknya terhadap implementasi Program MBG. Penelitian ini menggunakan metode studi pustaka. Data penelitian diperoleh melalui studi dokumentasi terkait implementasi sertifikasi keamanan pangan pada SPPG. Hasil penelitian menunjukkan bahwa inkonsistensi regulasi terjadi akibat disharmoni kebijakan antar institusi, perbedaan standar operasional sertifikasi, lemahnya mekanisme validasi dan audit oleh Badan Gizi Nasional (BGN), serta seringnya pelanggaran administratif dan rendahnya penerapan sanksi. Kondisi tersebut berdampak pada rendahnya jaminan kualitas dan keamanan pangan, ketidakpastian standar kandungan gizi produk makanan, serta potensi kerugian bagi penerima manfaat, khususnya siswa, ibu menyusui, dan lansia. Penelitian ini menyimpulkan bahwa harmonisasi regulasi, standardisasi mekanisme sertifikasi, serta penguatan koordinasi dan konsistensi penerapan sanksi merupakan faktor penting dalam meningkatkan efektivitas sertifikasi keamanan pangan pada SPPG guna mendukung keberhasilan implementasi Program MBG secara berkelanjutan.

Syndicated credit serves as a response for banks in extending loans as an alternative financing mechanism when constrained by the legal lending limit. Syndicated loans have a distinctive characteristic, namely the requirement for collective decision-making among creditors to reach a resolution. Consequently, collateral execution is often delayed or not carried out optimally to recover bank receivables, resulting in participating banks bearing losses for a relatively long period. This research employs a normative juridical approach with descriptive-analytical research specifications using qualitative methods based on relevant legal norms and theories. The results show that the legal relationship between the bank agent and the syndicated creditors constitutes an agency relationship, namely a special power of attorney as regulated under the Civil Code. The Bank Agent, consisting of the Facility Agent, Security Agent, and Escrow Agent, acts according to their respective duties for the benefit of the syndicate within the scope of authority agreed upon in the credit agreement. The resolution of non-performing loans in syndicated credit schemes should be carried out by referring to credit rescue and settlement mechanisms as regulated in the OJK Regulation concerning the Asset Quality Assessment of Commercial Banks through the prudential principle. The legal liability of the Bank Agent or Security Agent arises only when it can be proven that the agent has acted beyond the authority granted to it.

The Indonesian government in supporting Intellectual Property actors has issued Government Regulation Number 24 of 2022 concerning the Implementation of Law Number 24 of 2019 concerning the Creative Economy As a maximum effort in implementing Government Regulation No. 24 of 2022 concerning the creative economy in helping to strengthen national and international economic development, but the regulation only regulates generally regarding Intellectual property, furthermore it is deemed necessary to have more specific regulations specifically regarding asset quality ratings as collateral which is expected to be not only for financing institutions but can help Intellectual Property assessment institutions, considering that Intellectual Property is an intangible object that makes banks as creditors hesitate to accept Intellectual Property as collateral in financing. The basic reason Intellectual Property Rights can be used as fiduciary collateral because it is included in the law of immaterial objects where one of the characteristics of objects that can be used as debt collateral is objects that have economic value, copyright is also attached to exclusive rights, namely the attachment of these rights to the creator or holder of the copyright he created.  

The National Health Insurance Program (JKN) is a government policy aimed at providing health protection for all Indonesians through fair, equitable, and sustainable healthcare services. However, its implementation still faces various challenges and issues. This study aims to analyze the implementation of the JKN program in Indonesia using a systematic literature review and the CIPP (Context, Input, Process, Product) evaluation model. Ten scientific articles published between 2021 and 2025 were selected and analyzed based on established inclusion and exclusion criteria. The results indicate that in the context aspect, there are still problems, such as a large number of participants with inactive membership status and a low level of public understanding of their rights and obligations as JKN participants. In the input aspect, obstacles faced include limited health workers, uneven distribution, and inadequate facilities and infrastructure. Furthermore, in the process aspect, various obstacles were found, such as long service queues, complex administrative procedures, disruptions in the medical record system, and the suboptimal use of digital-based services. Meanwhile, in terms of products, the National Health Insurance (JKN) program has proven effective in improving public access to healthcare services, although service quality remains uneven, drug availability remains unstable, and the BPJS Kesehatan financing system still faces several challenges. Overall, the JKN program has had a positive impact on the community, but comprehensive improvements are still needed, particularly in strengthening governance, equitable access to services, and improving the quality of healthcare services.

This study is motivated by the increasing complexity of financing coordination between the National Health Insurance (BPJS Kesehatan) and supplementary health insurance providers under the Coordination of Benefits (KAPJ) scheme, which creates potential claim disputes and administrative risks for hospitals. Although Minister of Health Decree No. HK.01.07/MENKES/1117/2025 regulates payment allocation and membership verification mechanisms, it does not explicitly recognize pre-admission confirmation as a preventive legal protection instrument. This research aims to analyze the normative position of pre-admission confirmation within the KAPJ framework, conceptualize it as a preventive legal protection mechanism, and formulate a proportional implementation model. The study employs a normative juridical method using statutory and conceptual approaches through literature review of relevant regulations and scholarly works. The findings indicate that pre-admission confirmation possesses implicit normative legitimacy through membership verification obligations and system integration requirements, and functions as a risk allocation mechanism that clarifies payment responsibilities prior to service delivery. Its implementation enhances legal certainty, reduces fraud potential, and minimizes claim disputes, provided that access to emergency medical services remains guaranteed.

Although JKN aims to provide equitable and quality health services, fraudulent practices, such as phantom billing and diagnosis manipulation, continue to grow, harming BPJS Kesehatan and participants. This study aims to examine the effectiveness of legal sanctions against JKN claim fraud in FKRTL and identify gaps in their implementation. Although regulations are in place, law enforcement remains weak, with administrative sanctions failing to provide sufficient deterrence. The gap in this research lies in the lack of application of criminal sanctions in fraud cases, especially in existing regulations. The novelty of this research is its comparative approach between current administrative sanctions and the potential application of criminal sanctions in the context of healthcare fraud. The research method uses a normative-descriptive approach, analyzing regulations and fraud audit results, and identifying gaps in the implementation of legal sanctions. The results of the study indicate that strengthening criminal sanctions and integrating technology in claim monitoring can increase the effectiveness of fraud prevention. These findings are expected to strengthen regulations and improve the integrity of the JKN system, as well as provide policy recommendations for more effective law enforcement.

Social protection programs in Indonesia play a strategic role in poverty alleviation and supporting economic development. One form of social protection implementation at the regional level is the Depok Prosperity Card (KDS) Program, implemented by the Depok City Government as a means of ensuring food security for underprivileged communities. However, the program's implementation has been deemed incompletely transparent and poorly targeted, as expressed by several members of the Depok City Council (DPRD). Therefore, this study aims to analyze the implementation of the city's food security policy through the Depok Sejahtera Card Program in Tanah Baru Village, Depok City. This study uses Charles O. Jones's policy implementation theory, which encompasses three main indicators: organization, interpretation, and implementation. The research method used is descriptive with a qualitative approach. The results indicate that, from an organizational perspective, the Depok Sejahtera Card Program has been implemented quite well, characterized by a clear division of tasks among relevant stakeholders. From an interpretive perspective, the program has a strong legal basis through Depok Mayor Regulation Number 79 of 2022 and aims to reduce poverty. However, various obstacles remain in the implementation aspect, resulting in program implementation not being optimal and efficient. Nevertheless, the program is considered beneficial for recipient communities, although an increase in the amount of assistance is still needed to meet food needs for a period of one month.

The Old Age Security (JHT) program is a form of employment social protection that aims to ensure the continuity of workers’ welfare after they are no longer productive. The high volume of JHT claims, particularly for wage earners, requires an effective service process and system. This study aimed to analyze the effectiveness of the process and system for submitting JHT claims for wage earners at BPJS Ketenagakerjaan Sikka Maumere Branch, as well as to identify obstacles and improvement efforts undertaken. The research method used was descriptive qualitative, with data collection techniques through observation, documentation, and interviews during the internship period. The results of the study show that the JHT claim submission process has followed the applicable standard operating procedures (SOP), both through online services (Lapak Asik and the Jamsostek Mobile (JMO) application) and offline services. However, the effectiveness of the system still faces various obstacles, including discrepancies in participant data, limited digital literacy among participants, and technical constraints in the online system. Improvement efforts have been carried out through increased socialization, participant assistance, and optimization of digital systems. This study concludes that the effectiveness of the JHT claim process and system at BPJS Ketenagakerjaan Sikka Maumere Branch is fairly effective, but still requires continuous improvement to enhance service quality and participant satisfaction.

This study investigates the optimization of claims under the Indonesian Case-Based Groups (INA-CBGs) payment mechanism within the National Health Insurance Program (Jaminan Kesehatan Nasional) at Hospital X in Serang. The research aims to analyze the influence of managerial competence, digital adoption, and organizational behavior on claim effectiveness, with policy implementation serving as a moderating variable. Employing a quantitative explanatory approach, data were collected from 144 respondents comprising management staff, casemix teams, and medical record officers through questionnaires and structured interviews. Structural Equation Modeling–Partial Least Square (SEM-PLS) was applied to examine the relationships among variables. Findings reveal that managerial competence, digital adoption, and organizational behavior significantly and positively affect the optimization of INA-CBGs claims. Furthermore, the implementation of the National Health Insurance Program policy strengthens these relationships, enhancing claim efficiency and equity. The results align with the Resource-Based View theory, highlighting the strategic role of internal resources in achieving organizational performance. Managerial implications include capacity building for managers, integration of hospital information systems (SIMRS) with e-Claim platforms, and fostering collaborative organizational culture. Overall, the study underscores the importance of managerial, technological, and behavioral factors, moderated by policy implementation, in improving hospital claim optimization under the INA-CBGs system.

Transformasi digital di sektor jasa keuangan menuntut adanya jaminan keamanan informasi yang tangguh untuk melindungi data strategis dari ancaman siber yang semakin kompleks. PT X, sebagai institusi strategis yang mengelola investasi dan aset publik, menghadapi tantangan dalam menyeimbangkan operasional sistem Enterprise Resource Planning (ERP) dengan kepatuhan terhadap regulasi privasi data. Penelitian ini bertujuan untuk mengevaluasi tingkat kematangan (maturity level) keamanan informasi dan mengidentifikasi celah risiko pada PT X menggunakan instrumen Indeks Keamanan Informasi (KAMI) Versi 5.0 yang diselaraskan dengan standar ISO/IEC 27001:2022. Metodologi penelitian menggunakan pendekatan deskriptif kuantitatif melalui wawancara, observasi dokumen, dan pengisian dashboard assessment yang mencakup tujuh area evaluasi. Berdasarkan evaluasi yang dilakukan pada November 2025, Sistem Elektronik pada PT X diklasifikasikan dalam kategori "Tinggi" dengan skor 21. Hasil akhir evaluasi menunjukkan status "Cukup Baik" dengan rincian tingkat kematangan yang bervariasi: Tata Kelola (III+), Pengelolaan Risiko (III+), Kerangka Kerja (II), Pengelolaan Aset (II), Teknologi (III+), dan Pelindungan Data Pribadi (I+). Temuan penelitian mengungkapkan bahwa meskipun aspek tata kelola dan kontrol teknologi telah terdefinisi dengan baik, terdapat kesenjangan signifikan pada formalisasi dokumentasi kerangka kerja dan kepatuhan terhadap UU PDP yang masih berada pada level awal. Kesimpulannya, prioritas perbaikan strategis harus difokuskan pada penyusunan kebijakan privasi data dan manajemen siklus hidup aset untuk mencapai target kepatuhan yang optimal.

The Job Loss Guarantee Program (Jaminan Kehilangan Pekerjaan/JKP) is a social protection scheme designed to support workers affected by employment termination. However, its implementation at the local level still faces significant challenges. This study aims to examine the implementation of the JKP program in handling layoffs at the Manpower and Transmigration Office of Sukabumi Regency. The research employs a qualitative descriptive approach, using observation, in-depth interviews, and documentation studies as data collection techniques. Data analysis is conducted using Edwards III’s policy implementation model, which focuses on communication, resources, disposition, and bureaucratic structure. The findings reveal that the implementation of the JKP program in Sukabumi Regency has not yet been optimal, as reflected in the low proportion of laid-off workers who successfully receive JKP benefits compared to the total number of layoffs. In terms of communication, policy information has been delivered formally and consistently, but its outreach and intensity remain limited. Resource constraints, particularly in human resources and budget allocation, also hinder effective implementation, despite adequate authority and supporting facilities. Meanwhile, implementers demonstrate a positive disposition and strong commitment, whereas bureaucratic structure issues persist due to the absence of specific standard operating procedures and fragmented institutional roles. This study concludes that strengthening communication, resources, and bureaucratic structure is essential to improve the effectiveness of JKP program implementation at the local level.

Compliance in paying contributions is an important factor in ensuring the sustainability of the National Health Insurance (JKN) program, especially in the Non-Wage Workers (PBPU) segment who make payments independently. However, the level of compliance of PBPU participants in Jakarta City is still low, as indicated by the high rate of contribution arrears and the large number of deactivated memberships. This study aims to analyze the factors that influence compliance in paying National Health Insurance (JKN) contributions in the Non-Wage Workers (PBPU) segment in Jakarta City in 2025. The research design used was quantitative with a cross-sectional approach, involving 180 respondents. Bivariate analysis using the Chi-Square test showed that there was a significant relationship between perception and compliance (p = 0.002), income with compliance (p = 0.046), and motivation with compliance (p = 0.000). However, there was no significant relationship between knowledge (p = 0.291) and sanctions (p = 0.103) on compliance in paying contributions. These findings indicate that psychological and economic aspects have a strong influence on driving compliance with JKN premiums. Therefore, efforts to improve compliance need to focus on enhancing positive perceptions, internal motivation, and sustainable income for participants. Perception is the most dominant factor influencing compliance among PBPU participants. Strategies to increase education and improve services are needed to boost compliance and ensure the sustainability of the JKN program.

Equal access to health services is a fundamental right of citizens. However, vulnerable groups such as beggars are often neglected because they do not have valid residence documents. The Medan City Government launched the Medan Berkah Health Insurance Program (JKMB) to support universal Health Coverage, allowing free health services only with a Medan ID card. This study aims to assess the implementation of JKMB on beggars in Medan City by using the implementation suitability model from David C. Korten, which emphasizes the relationship between programs, organizations, and beneficiaries. The method used is a descriptive qualitative approach, with data collection through in-depth interviews, observations, and documentation studies. Informants consisted of beggars without identity who had been disciplined by Social Services, program Implementation officers, and academics in the field of social welfare. The results showed that JKMB can only be accessed by beggars while under the supervision of Social Services, through temporary identities such as "Mr. X". After being repatriated (reunification), access to health services cannot be continued due to the absence of An ID. The Program has not been able to reach marginalized groups on an ongoing basis, and there has been no integration of cross-sector data systems. The findings expose the discrepancy between program design and Target conditions, highlighting the importance of more inclusive policy reformulation, facilitation of identity ownership, and inter-agency coordination to create equitable and sustainable health access for all citizens

The National Health Insurance Program (Jaminan Kesehatan Nasional or JKN) is a government initiative aimed at ensuring equitable, accessible, and affordable healthcare services for all Indonesian citizens. Since its implementation in 2014, the program has covered more than 90% of the population; however, several challenges remain, particularly concerning the quality of services at primary healthcare facilities such as community health centers (puskesmas). This study aims to analyze the quality of JKN services at the Cengkareng Public Health Center, West Jakarta, using the five dimensions of service quality proposed by Parasuraman: tangibles, reliability, responsiveness, assurance, and empathy. The research employed a descriptive qualitative method through in-depth interviews, direct observations, and document analysis involving healthcare workers and JKN patients. The findings indicate that the overall service quality at Puskesmas Cengkareng remains suboptimal. The tangibles and assurance dimensions are relatively good, while reliability, responsiveness, and empathy are still lacking. Major complaints include long waiting times, poor doctor–patient communication, and unfriendly staff attitudes. These findings highlight the need for improving human resource professionalism, strengthening service management systems, and conducting periodic evaluations to enhance the overall quality and patient satisfaction among JKN participants.  

Dalam pelaksanaannya, jaminan fidusia bisa dieksekusi dengan menggunakan sertifikat jaminan yang memiliki kekuatan hukum setara dengan putusan pengadilan yang sudah bersifat tetap dan mengikat. Namun dalam penerapannya, hal ini menimbulkan polemik karena adanya ketimpangan hukum, hingga terbitlah Putusan MK Nomor 18/PUU-XVII/2019. Penulisan ini membahas mengenai pengaturan kekuatan eksekutorial Pasal 15 ayat (2) dan (3) UU Jaminan Fidusia, baik sebelum maupun sesudah terbitnya Putusan MK Nomor 18/PUU-XVII/2019, dan implikasinya dengan menggunakan metode hukum normatif yang berlandaskan studi kepustakaan dengan pendekatan perundang-undangan dan kasus. Hasil yang didapatkan adalah parate eksekusi yang dijalankan cenderung melanggar prinsip due process of law, sehingga terjadi pergeseran paradigma dari sistem eksekusi yang absolut menuju sistem eksekusi yang berkeadilan dan sejalan dengan prinsip negara hukum yang menjamin kepastian serta perlindungan hak konstitusional para pihak. Pergeseran tersebut menjadikan pembagian hak dan kewajiban antara debitur dan kreditur menjadi lebih adil, transparan, dan sesuai dengan prinsip keadilan substantif.

Penelitian ini membahas secara mendalam mengenai perlindungan hukum bagi nasabah dalam sengketa gadai syariah, khususnya yang berkaitan dengan pengembalian barang jaminan setelah pelunasan utang. Perkembangan industri gadai syariah di Indonesia yang sangat pesat menunjukkan adanya peningkatan kepercayaan masyarakat terhadap lembaga keuangan berbasis syariah. Namun, di sisi lain, dinamika ini juga memunculkan tantangan baru dalam aspek perlindungan konsumen, terutama ketika terjadi wanprestasi, kesalahan administrasi, atau kelalaian lembaga gadai dalam menjaga serta mengembalikan barang jaminan milik nasabah. Melalui pendekatan yuridis normatif dan studi kasus terhadap Putusan Pengadilan Agama Banjarmasin Nomor 1112/Pdt.G/2021/PA.Bjm, penelitian ini berupaya menganalisis bentuk tanggung jawab hukum lembaga gadai serta perlindungan yang seharusnya diterima oleh nasabah sebagai pihak yang dirugikan. Hasil kajian menunjukkan bahwa dalam perspektif hukum syariah, barang gadai (marhun) memiliki kedudukan hukum sebagai amanah yang wajib dijaga dengan penuh tanggung jawab oleh pihak penerima gadai (murtahin). Apabila lembaga gadai lalai dalam menjaga atau gagal mengembalikan barang tersebut, maka tindakan tersebut dapat dikategorikan sebagai wanprestasi sekaligus pelanggaran terhadap prinsip keadilan dan hak-hak konsumen. Perlindungan hukum terhadap nasabah diatur dalam berbagai peraturan, antara lain Kitab Undang-Undang Hukum Perdata (KUHPerdata), Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen, serta pengawasan yang dilakukan oleh Otoritas Jasa Keuangan (OJK) terhadap lembaga keuangan syariah. Namun demikian, efektivitas implementasi peraturan tersebut masih menghadapi berbagai kendala, seperti lemahnya pengawasan, kurangnya pemahaman masyarakat mengenai hak-haknya, serta minimnya mekanisme penyelesaian sengketa yang cepat dan transparan. Oleh karena itu, diperlukan penguatan sistem pengawasan serta edukasi hukum bagi masyarakat agar prinsip keadilan, kepastian hukum, dan kemaslahatan dalam transaksi gadai syariah dapat terwujud secara menyeluruh.