Perlindungan Hukum Pekerja Indonesia melalui Program Jaminan Pensiun Berdasarkan Peraturan Pemerintah Nomor 45 Tahun 2015

Madyasin Madyasin (Universitas Pelita Bangsa)
Elma Septiana (Universitas Pelita Bangsa)
Grogerius Nuswarat (Universitas Pelita Bangsa)

Journal of Industrial Relations Studies
Vol. 2 No. 3 (2026): Journal of Industrial Relations Studies Juli 2026

This study examines the Pension Guarantee scheme as a form of worker protection that, in practice, still faces various challenges. A normative-juridical approach is employed in this research. The implementation of the pension guarantee faces several hurdles, including low worker participation rates—particularly in the informal sector—a lack of understanding regarding social security, administrative and service-related obstacles, and threats to funding sustainability caused by demographic shifts. Consequently, it is deemed necessary to reformulate pension guarantee policies to ensure legal certainty and fairness for workers in Indonesia