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All Journal IJEEM - Indonesian Journal of Environmental Education and Management JURNAL LENTERA BISNIS
Kiatin, Desi Roro
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences

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Literasi Perlindungan BPJS Ketenagakerjaan bagi Pedagang Kaki Lima di Pusat Perkantoran DKI Jakarta Laratmase, Antonia Junianty; Suhendar, Bagus; Kurniatha, Alvernia; Darma, Agus Setya; Kiatin, Desi Roro; Rakian, Julista Margarita
IJEEM - Indonesian Journal of Environmental Education and Management Vol. 10 No. 2 (2025): IJEEM: Indonesian Journal of Environmental Education and Management Volume 10
Publisher : Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/ijeem.v10i2.59046

Abstract

Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan pemahaman dan kesadaran pedagang kaki lima (PKL) di Pusat Perkantoran DKI Jakarta mengenai pentingnya perlindungan BPJS Ketenagakerjaan. Latar belakangnya adalah rendahnya partisipasi pekerja informal dalam program BPJS Ketenagakerjaan, padahal mereka rentan terhadap risiko kerja seperti kecelakaan, kematian, dan kebutuhan jaminan hari tua. Melalui sosialisasi, tim peneliti memberikan edukasi tentang manfaat program BPJS Ketenagakerjaan, termasuk Jaminan Hari Tua (JHT), Jaminan Kecelakaan Kerja (JKK), dan Jaminan Kematian (JKM). Metode yang digunakan adalah pendekatan langsung dengan menyebarkan brosur dan penjelasan individual kepada PKL. Hasilnya menunjukkan minat tinggi dari peserta, meskipun kendala teknis seperti kesibukan PKL melayani pelanggan mengurangi efektivitas sosialisasi. Kegiatan ini diharapkan dapat mendorong partisipasi PKL dalam BPJS Ketenagakerjaan serta menjadi model kolaborasi antara perguruan tinggi dan BPJS untuk perluasan jangkauan sosialisasi.
PERLINDUNGAN KONSUMEN BROKER ASURANSI MENGHADAPI KETENTUAN MODAL MINIMUM PERUSAHAAN 2026 Robidi, Robidi; Subrata, Agus; Ihsan, Muhamad; Kiatin, Desi Roro
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2095

Abstract

The minimum capital requirement for insurance companies planned to be implemented in 2026 constitutes a key element of prudential regulatory reform aimed at strengthening solvency and ensuring the stability of the insurance industry. However, this policy may generate indirect yet significant implications for consumer protection mechanisms, particularly through the role of insurance brokers as independent intermediaries. This study aims to comprehensively analyze the impact of the 2026 minimum capital requirement on consumer protection as exercised through insurance brokers, while linking regulatory developments to brokers’ empirical performance conditions during the 2023–2025 period. The research employs a qualitative approach using a juridical-empirical and policy analysis framework, drawing on regulatory documents and high-quality international academic literature. The findings indicate that stricter capital requirements tend to accelerate market consolidation and narrow brokers’ operational space in product comparison, policy negotiation, and consumer assistance. Such structural pressures may weaken brokers’ substantive independence and diminish their effectiveness as consumer protection instruments. The study concludes that consumer protection in the insurance sector cannot rely solely on insurers’ financial strength but must also be supported by a regulatory framework that preserves and strengthens the role of insurance brokers through proportional and risk-based regulatory approaches.
Co-Authors Darma, Agus Setya Kurniatha, Alvernia Laratmase, Antonia Junianty Muhamad Ihsan, Muhamad Rakian, Julista Margarita Robidi, Robidi Subrata, Agus Suhendar, Bagus