Penguatan Literasi Hukum Debitur dan Ahli Waris Melalui Edukasi Perlindungan Hukum dalam Asuransi Jiwa Kredit

Khefin Prattamera Subagja, Arrisman Arrisman

Abstract


Abstract:  Credit life insurance is a risk protection instrument related to a debtor's credit obligations when death occurs during the credit period. Legal relationships involving debtors, banks as creditors, and insurance companies as insurers may create problems when debtors or heirs do not understand their legal position, rights, obligations, and claim procedures. This community service program aims to strengthen the legal literacy of debtors and heirs regarding legal protection in credit life insurance. The activity was conducted in Cipelang Village, West Java, from June 11 to July 22, 2026, through legal counseling, educational sessions, interactive discussions, case studies, and assistance. The materials covered the legal position of the parties, the rights of debtors and heirs, insurance policies, coverage and exclusion clauses, claim procedures, and complaint and dispute-resolution mechanisms. The activity demonstrated that legal education provides participants with a better understanding of the risks of unequal legal positions and the importance of transparency in credit life insurance. The program is expected to strengthen community capacity to understand insurance documents and exercise legal rights preventively.

Abstrak: Asuransi jiwa kredit merupakan instrumen perlindungan risiko yang berkaitan dengan kewajiban kredit debitur ketika terjadi risiko meninggal dunia selama masa kredit berlangsung. Hubungan hukum yang melibatkan debitur, lembaga perbankan sebagai kreditur, dan perusahaan asuransi sebagai penanggung dapat menimbulkan persoalan ketika debitur atau ahli waris tidak memahami kedudukan, hak, kewajiban, serta mekanisme klaim yang berlaku. Kegiatan pengabdian kepada masyarakat ini bertujuan memperkuat literasi hukum debitur dan ahli waris mengenai perlindungan hukum dalam asuransi jiwa kredit. Kegiatan dilaksanakan di Desa Cipelang, Jawa Barat, pada 11 Juni sampai 22 Juli 2026 melalui penyuluhan hukum, sosialisasi, diskusi interaktif, studi kasus, dan pendampingan. Materi meliputi kedudukan hukum para pihak, hak debitur dan ahli waris, fungsi polis, klausula pertanggungan dan pengecualian, prosedur klaim, serta mekanisme pengaduan dan penyelesaian sengketa. Hasil kegiatan menunjukkan bahwa edukasi hukum memberikan ruang bagi peserta untuk memahami risiko ketidakseimbangan kedudukan hukum dan pentingnya keterbukaan informasi dalam asuransi jiwa kredit. Kegiatan ini diharapkan memperkuat kemampuan masyarakat dalam memahami dokumen asuransi dan menggunakan hak hukum secara preventif.

Keywords


Legal Literacy; Debtor; Legal Protection; Credit Life Insurance.

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References


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DOI: https://doi.org/10.31764/am.v5i6.42719

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