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All Journal Al-Risalah : Jurnal Imu Syariah dan Hukum Golden Ratio of Data in Summary
Simanjuntak, Sabriani Royana
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Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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The Role of The People Representative Council of Pematang Siantar City, Indonesia, in Supporting Community Welfare Simanjuntak, Sabriani Royana; Siallagan, Haposan
Golden Ratio of Data in Summary Vol. 6 No. 1 (2026): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v6i1.1872

Abstract

This study examines the role of the Regional People's Representative Council (Dewan Perwakilan Rakyat Daerah/DPRD) of Pematang Siantar City in supporting community welfare within the framework of regional autonomy as mandated by Law Number 23 of 2014 concerning Regional Government. As a local representative institution, the DPRD plays a strategic role in shaping welfare-oriented public policies through its legislative, budgetary, and oversight functions. However, empirical studies that explicitly analyze the contribution of these functions to community welfare at the city level remain limited. The findings show that the DPRD of Pematang Siantar City primarily performs its legislative function by discussing and approving draft regional regulations proposed by the executive. In contrast, regulations initiated by the DPRD remain limited. In the budgetary function, the DPRD plays a crucial role in approving the Regional Revenue and Expenditure Budget (APBD) and directing allocations toward welfare-related sectors. However, improvements are needed in terms of transparency and timeliness in budget deliberations. Meanwhile, the oversight function is carried out through working meetings, field visits, and recess activities; however, the absence of systematic follow-up mechanisms limits its effectiveness in ensuring the implementation of welfare-oriented policies. This study concludes that while the DPRD of Pematang Siantar City has fulfilled its formal institutional functions, its contribution to community welfare has not yet reached an optimal level. Strengthening the capacity of DPRD members, enhancing transparency in legislative and budgetary processes, and increasing community participation are essential to improving the effectiveness of the DPRD in supporting sustainable community welfare. The findings of this study make significant empirical contributions to the literature on regional governance and provide policy-relevant insights for strengthening the role of local legislative institutions in Indonesia.
Legal Liability of Insurance Companies for Unlawful Acts Arising from the Unilateral Cancellation of Life Insurance Policies: A Study of Decision No. 4943 K/Pdt/2024 Simanjuntak, Sabriani Royana; Nababan, Roida; Habeahan, Besty
Al-Risalah VOLUME 26 NO 1, MAY (2026)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-risalah.vi.66488

Abstract

The development of Indonesian positive law has provided more detailed guidelines regarding procedures for policy cancellation, disclosure obligations, and mechanisms for objections by policyholders, affirming that insurance companies may not unilaterally cancel policies unless supported by clear legal grounds and carried out in accordance with lawful procedures. This study aims to analyze the legal liability of insurance companies for unlawful acts and to examine judicial considerations in Decision No. 4943 K/Pdt/2024. The research employs a normative juridical method using statutory, case, and conceptual approaches, with data obtained through library research and analyzed qualitatively using legal reasoning analysis. The findings indicate that unilateral cancellation of an insurance policy without lawful grounds constitutes a violation of law that gives rise to legal liability for the insurance company, as such actions fulfill all elements of an unlawful act under Article 1365 of the Indonesian Civil Code, namely the existence of an act, fault, damage, and a causal relationship. The Supreme Court emphasized that insurance companies cannot evade liability on unilateral grounds, as the refusal to pay claims and cancellation of policies contradict the principles of pacta sunt servanda and good faith; therefore, insurers are obliged to compensate the injured party. The implications of this decision confirm that the legal liability of insurance companies is firm and cannot be set aside, while also strengthening legal protection for policyholders and reinforcing the application of good faith and legal certainty in insurance practices in Indonesia.
Co-Authors Habeahan, Besty Haposan Siallagan Nababan, Roida