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All Journal The Indonesian Journal of International Clinical Legal Education Jurnal Indonesia Sosial Sains
Wicaksono, Muhammad Bagas Ragil
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Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Immunology & microbiology Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Physics Social Sciences

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Role of Paralegal in Providing Access to Justice for the Poor: Comparing Indonesia and Malaysia Wicaksono, Muhammad Bagas Ragil; Maliki, Hakim Anis
The Indonesian Journal of International Clinical Legal Education Vol 4 No 2 (2022): Access to Justice: Problems and Challenges
Publisher : Faculty of Law Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/ijicle.v4i1.55774

Abstract

The Law on Legal Aid describes the duties and authorities of Paralegals, in practice several times it became controversial when previously paralegals were allowed to participate in proceedings in court, but after the Supreme Court's decision Number 22 P/HUM/2018 there were several articles that were deleted. Then, the role of paralegals can be maximized in providing legal assistance, especially for the underprivileged. The provision of legal aid can also be implemented properly if all stakeholders can synergize properly, one of which is with law enforcement as the cornerstone of the reflection of law in Indonesia. In several case studies, there have been many roles of paralegals who can provide non-litigation legal assistance to the general public, especially the poor and marginalized. In this case, there is concern about the role of law students which can also be maximized as a guard in legal counseling to the community, as well as sustainable assistance. It is hoped that the more people who are aware of the law will grow, the public's confidence in the law in Indonesia will also increase.
Juridical Analysis of the Policy Guarantee Program in Increasing Policyholder Trust According to Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector Wicaksono, Muhammad Bagas Ragil
Jurnal Indonesia Sosial Sains Vol. 6 No. 5 (2025): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v6i5.1623

Abstract

Indonesia’s insurance industry, while growing, faces significant challenges due to inadequate legal protection for policyholders, particularly when insurance companies become insolvent or fail to fulfill claim obligations. This situation undermines policyholder trust and limits the sector’s economic contribution. The recent enactment of Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector introduces the Policy Guarantee Program, aiming to safeguard policyholders’ rights by ensuring compensation in cases of insurer bankruptcy or liquidation. This study employs an empirical juridical approach, combining normative legal analysis with sociological research through interviews with policyholders, to assess the implementation of this law and its impact on policyholder trust. Findings reveal that the program enhances legal certainty and consumer confidence by prioritizing policyholder claims and establishing the Deposit Insurance Corporation as the guarantor. Despite this progress, challenges remain in public awareness and program accessibility. The study recommends ongoing regulatory refinement, strengthened supervision, and expanded financial literacy efforts to maximize the program’s effectiveness. The Policy Guarantee Program aligns with Indonesia’s financial sector roadmap and promises to support sustainable insurance industry growth by restoring public trust.
Juridical Analysis of the Policy Guarantee Program in Increasing Policyholder Trust According to Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector Wicaksono, Muhammad Bagas Ragil
Jurnal Indonesia Sosial Sains Vol. 6 No. 5 (2025): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v6i5.1623

Abstract

Indonesia’s insurance industry, while growing, faces significant challenges due to inadequate legal protection for policyholders, particularly when insurance companies become insolvent or fail to fulfill claim obligations. This situation undermines policyholder trust and limits the sector’s economic contribution. The recent enactment of Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector introduces the Policy Guarantee Program, aiming to safeguard policyholders’ rights by ensuring compensation in cases of insurer bankruptcy or liquidation. This study employs an empirical juridical approach, combining normative legal analysis with sociological research through interviews with policyholders, to assess the implementation of this law and its impact on policyholder trust. Findings reveal that the program enhances legal certainty and consumer confidence by prioritizing policyholder claims and establishing the Deposit Insurance Corporation as the guarantor. Despite this progress, challenges remain in public awareness and program accessibility. The study recommends ongoing regulatory refinement, strengthened supervision, and expanded financial literacy efforts to maximize the program’s effectiveness. The Policy Guarantee Program aligns with Indonesia’s financial sector roadmap and promises to support sustainable insurance industry growth by restoring public trust.
Co-Authors Abhipraya, Fairuz Arta Maliki, Hakim Anis Sulaiman, Ibnu