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                <text>Pemberian perlindungan bagi nasabahnya Asuransi merupakan perlindungan hukum yang berupa pemberian hak kepada nasabah berdasarkan pada ketentuan yang tertera dalam Lampiran Jaminan Tambahan Critical Illness. Namun pada kenyataannya, tidak semua nasabah mendapatkan apa yang menjadi haknya sesuai dengan ketentuan yang tertera dalam Lampiran Jaminan Tambahan Criticall Illness tersebut. Undang-Undang Nomor 2 Tahun 1992 tentang Usaha Perasuransian dibentuk untuk mengatur kegiatan perasuransian, akan tetapi dalam pelaksanaannya Undang-Undang Nomor 2 Tahun 1992 tentang Usaha Perasuransian tersebut belum cukup efektif, sehingga dibutuhkan Undang-Undang lain yang selaras dan mampu untuk melengkapi Undang-Undang tersebut, yaitu Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen.&#13;
&#13;
&#13;
Hambatan dalam memberikan perlindungan hukum terhadap nasabah asuransi berasal dari dua faktor, pertama karena adanya faktor dari nasabah dan perusahaan asuransi yang melakukan tindakan wanprestasi. Kedua, adanya faktor dari pengaturan perundang-undangan yang berperan sebagai payung hukum bagi nasabah yaitu Undang-Undang Nomor 2 Tahun 1992 tentang Usaha Perasuransian. Undang-Undang Nomor 2 Tahun 1992 tentang Usaha Perasuransian hanya memandang asuransi sebagai sebuah bisnis dengan tidak memberikan kejelasan mengenai pengaturan perlindungan hukum bagi nasabah selaku anggota masyarakat pemakai jasa asuransi. Upaya yang dilakukan untuk mengatasi hambatan yang terjadi dalam memberikan perlindungan hukum adalah dengan menggunakan Undang-Undang lain yang selaras dan mampu melengkapi kekurangan yang ada pada Undang-Undang sebelumnya, yaitu Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen.</text>
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                <text>PERLINDUNGAN HUKUM TERHADAP TERSANGKA DALAM PROSES PERKARA PIDANA</text>
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                <text>Perlindungan hukum bagi tersangka dalam proses penyidikan dalam Kitab Undang-Undang Hukum Acara Pidana, antara lain Hak untuk Hak untuk segera mendapatkan pemeriksaan untuk selanjutnya dapat diajukan kepada Penuntut Umum, Hak untuk memberikan keterangan secara bebas tanpa tekanan dari pihak manapun, Hak untuk mendapatkan bantuan hukum pada setiap tingkat pemeriksaan, Perlindungan bagi tersangka dalam proses penyidikan yang dilakukan aparat penegak hukum dalam praktik, pada dasarnya sudah dilaksanakan, namun belum dilakukan dengan baik atau secara menyeluruh oleh setiap personil, hal ini dilakukan oleh oknum.&#13;
&#13;
&#13;
Padahal  seperti  yang  kita  ketahui  kedudukan  seorang  tersangka  belum bersalah karena dikenal adanya suatu asas yang harus dijunjung tinggi oleh setiap aparat penegak hukum baik itu pihak kepolisian, kejaksaan, ataupun pengadilan  yaitu asas  presumption of law  atau lebih dikenal dengan asas praduga tak bersalah.&#13;
&#13;
&#13;
Penegakan hukum dan keadilan, secara teoritis menyatakan bahwa efektifitas penegakan hukum baru akan terpenuhi dengan baik termasuk penegakan hukum dalam penaganan kasus tindak pidana tersebut yaitu : anggaran untuk penyidikan perlu ditambah, Jumlah penyidik dan penyidik pembantu yang terbatas disebabkan minimnya minat polisi untuk menjadi seorang penyidik maupun penyidik pembantu, aparat penegak hukumnya diperlukan pengiriman untuk pelatihan-pelatihan, seminar serta pendidikan khusus penyidikan dalam mengungkap keterangan tersangka dan kurangnya Fasilitas Sarana Dan Prasarana Untuk Penyidikan Penegakan hukum memerlukan sarana atau fasilitas yang memadai baik secara kuantitas maupun kualitas. Dari hambatan dan pemecahan dalam menghadapi hambatan tersebut diharapkan penyidik dalam melakukan penyidikan terhadap tersangka yang melakukan perbuatan pidana dapat terlaksana dan berjalan sesuai dengan perundang-undangan yang berlaku</text>
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                <text>The Importance of Economic Factors As The Cause of Divorce In The Tulungagung Religious Court</text>
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                <text>Relate to the number of cases handled by the Tulungagung Religious Court which is dominated by divorce cases. There are two types of divorce, namely talak divorce and contested divorce. Where in this divorce case the divorce case is dominated by the plaintiff being the woman (wife) and the man (husband) as the defendant. The research method used is a qualitative descriptive research method, by explaining and describing the problem through the facts obtained in field research at trials and mediation. The results of this study are to focus on the background or causes of divorce in the November 2022 case at the Tulungagung Religious Court. The causes that dominate this divorce case are constant quarrels and disputes, leaving one party, and economic factors.</text>
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                <text>Sanksi Denda Terhadap Pelanggaran Lalu Lintas Jalan Di Kabupaten Tulungagung</text>
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                <text>Pelanggaran Lalu lintas Jalan yang terdapat di Kabupaten Tulungagung tergolong tinggi oleh karena itu aparat penegak hukum dalam hal ini kepolisian khususnya lalu lintas jalan selalu memberikan penyuluhan baik melalui sekolah-sekolah maupun langsung ke masyarakan. Dengan adanya pelanggaran lalu lintas jalan polisi dapat melakukan Tindakan baik pencegahan maupun memberikan sanksi berupa memberikan surat tilang yang mana harus diselesaikan melalui siding di pengadilan. Dalam hal ini Pengadilan Negeri telah memutus dengan pidana denda setiap pelanggaran lalu lintas jalan  disebabkan karena : a. Perbuatan pidana setiap seseorang melanggar lalu lintas bentuknya tindak pidana tipiring, b. Pidana kurungan terhadap pelanggar lalu lintas oleh masyarakat belum siap diterapkan, c. Dalam memutus perkara terhadap pelanggar beberapa kali Hakim tidak mengatahuinya dan d. Terhadap rekap data bagi seseorang yang melanggar di Pengadilan Negeri Tulungagung belum ada. Adapun dalam pasal 281 terancam hukuman 4 (empat) bulan, seangkan dalam pasal 288 ayat (2) ancaman hukuman 1 (satu) bulan. Adapun pertimbangan hakim dalam memutus perkara pelanggaran lalu lintas nominal denda dapat dilihat: a. Kondisi perekonomi masyarakat di daerah, b. Penerimaan dan pengetahuan masyarakat dalam memahami pelanggaran lalu lintas dan c. Pengulangan pasal yang dilanggar yang tidak ada saksinya.</text>
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                <text>Bambang Slamet Eko Sugistiyoko, SH MH</text>
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                <text>E-Commerce Consumer Protection in the Digital Economy Era</text>
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                <text>E-Commerce Consumer</text>
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                <text>E-commerce is widely known by the public, including in the&#13;
Tulungagung district. The convenience offered by the trading model through&#13;
internet media makes all potential buyers more interested in making buying and&#13;
selling transactions through this online medium. However, the need for&#13;
consumer awareness and knowledge of their rights makes consumers often&#13;
disadvantaged. For this reason, local governments are expected to have efforts&#13;
to protect e- commerce consumers. To find out about the protection efforts&#13;
carried out by the Tulungagung district government for e- commerce&#13;
consumers, a qualitative research approach was carried out by collecting data&#13;
through observation and in- depth interviews with informants. </text>
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                <text>Laily Purnawati, SIP, MSi</text>
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                <text>The phenomenon of early marriage that occurs in Trenggalek regency occurs due to many factors that influence it. The impact of early marriage affects all aspects of community life. Moreover, Trengglek is a regency area in East Java that is at the southernmost end with a community culture that is still strongly supported by its geographical conditions, making early marriage still difficult to overcome as a way to control the rate of population growth. The purpose of this study is to analyze the factors that influence the existence of early marriage in Trenggalek Regency so that later it is expected that the district government can formulate a policy related to early marriage in addition to minimizing the existing social impact also in order to control the rate of population growth. For this reason, field research with a qualitative descriptive research approach is considered very suitable for use in this research. The source of the data was obtained from interviews with snowball sampling techniques. From this study, it was found that the impact caused by poverty, child psychological health and health impacts. Influential factors such as culture or people's mindset, low level of education, free sex and economic factors of society.</text>
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                <text>Women who work as female workers from the start have already borne a double burden in their families. Apart from being given the task of carrying out domestic duties even though they are physically not at home, on the other hand they have to work to help meet their household needs. This condition continues even though these former TKWs have returned home. There are many ways that these former TKWs can continue to help make a living, especially during a pandemic where many husbands have lost their source of income. The method used is a type of qualitative research by taking data through in-depth interviews and observations. The resource persons were former women TKW who were also members of the Muslimat NU. The interviews were conducted to find out whether they understood the double burden that she had to do and how these former women TKW received their double burden. The conclusions obtained from this study were former women. These migrant workers in the midst of a pandemic are experiencing extraordinary problems. Most of them choose only as side workers, namely "oncek" melinjo on the grounds that they can be done from home while still supervising their children. This is where NU Muslims as one of the social organizations in Indonesia also attend and provide provisions for these women to understand the double burden they receive. , especially their provision in the field of faith so that they are physically and mentally ready to carry out this mandate.</text>
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                <text>Micro-enterprises are one of the businesses that are also affected during this pandemic. In order to support the development of micro-enterprises and business actors, the Trenggalek district government, especially the Watulimo sub-district, launched an innovation called lapak 215. 215 was held to bring licensing services closer to users, namely business actors in Watulimo sub-district where the geographical conditions are mostly mountainous and coastal areas. The research method used is descriptive qualitative based on Rogers' attribute theory, namely Relative Advantage, Compatibility, Complexity, Triability, Observability. As a result, the innovation of lapak 215 is more flexible, making it easier for business actors to make procedures and processes easy for users to understand and most importantly bring the government closer to the user community.</text>
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                <text>Poverty Reduction Evaluation Through the Program Looks Down on Poverty Problems (Gertak) in Trenggalek District, East Java</text>
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                <text>Poverty is a problem faced in all regions in Indonesia as well as in the Trenggalek district. To overcome this poverty problem, the Trenggalek district government has one breakthrough, namely by changing the paradigm from just a program to a poverty alleviation movement abbreviated as GERTAK. Because overcoming poverty cannot only be done by providing aid programs but the most important thing is to change the thinking of these poor people themselves so that they are willing and able to change. To research poverty reduction evaluation in the Trenggalek district, a qualitative descriptive approach was used. Data sources are obtained by direct observation of the field and interviews with predetermined sources. The validity of the data is obtained through the triangulation method. The results obtained that poverty reduction through the GERTAK program can be felt and accepted by the community. Although in its implementation there are still obstacles such as changing regulations and still low awareness of the poor themselves.</text>
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