{
  "abstract": "Indonesian insurance regulations are clause-dense and terminologically specific, making manual retrieval of applicable provisions difficult. This study presents a retrieval-only benchmark comparing embedding and lexical methods on POJK 26/2025 and POJK 36/2025. The corpus contains 181 context chunks and 181 synthetic Indonesian queries, each assigned one primary relevant chunk. Queries were generated in JSON mode using Gemma 4 E4B via Ollama (ollama:gemma4:e4b), with malformed outputs retried and heuristic fallbacks prohibited. Evaluation comprised a four-model local dense comparison and a separate native BGE-M3/BM25 ablation using exact exhaustive ranking. The local comparison reports MRR and Hit rates, while the native ablation additionally reports NDCG@10, MAP@10, bootstrap confidence intervals, paired tests, and rank bins. Qwen3 Embedding achieved the highest local MRR (0.8075). Under a prespecified descriptive composite rule combining MRR, Hit rates, and measured latency, BGE-M3 ranked first. In the native ablation, BGE-M3 combined retrieval achieved NDCG@10 of 0.8810. A practitioner-validated subset audit and artifact-backed qualitative analysis supplemented the quantitative results. Findings are limited to this two-document benchmark and do not evaluate answer generation, citation correctness, or end-to-end RAG faithfulness.",
  "abstract_shown": true,
  "affiliations": [],
  "article_type": null,
  "arxiv": null,
  "author_total": 3,
  "authors": [
    {
      "name": "Daeng Ahmad Nurdin"
    },
    {
      "name": "Bambang Jokonowo"
    },
    {
      "name": "Bagus Priambodo"
    }
  ],
  "bibtex": "https://research.draconitic.com/paper/0b6vm3gmyx550.bib",
  "cited_by": 0,
  "doi": "10.63158/journalisi.v8i5.1781",
  "fulltext_url": "https://journal-isi.org/index.php/isi/article/view/1781",
  "id": "0b6vm3gmyx550",
  "issns": [
    "2656-5935",
    "2656-4882"
  ],
  "landing_url": "https://doi.org/10.63158/journalisi.v8i5.1781",
  "language": "en",
  "licence": "CC-BY",
  "licence_label": "CC BY",
  "licence_source": "journal",
  "licence_url": "https://creativecommons.org/licenses/by/4.0/",
  "metadata_licence": null,
  "native_subjects": [
    [
      "lcc",
      "QA1-939"
    ],
    [
      "lcc",
      "QA75.5-76.95"
    ],
    [
      "openalex",
      "1710|Information Retrieval and Search Behavior"
    ]
  ],
  "openalex": "W7223350002",
  "pdf_url": "https://journal-isi.org/index.php/isi/article/download/1781/1055",
  "pmcid": null,
  "pmid": null,
  "published": "2026-10-24",
  "publisher": "Asosiasi Doktor Sistem Informasi Indonesia",
  "ris": "https://research.draconitic.com/paper/0b6vm3gmyx550.ris",
  "sources": [
    {
      "first_seen": "2026-10-30T13:44:46Z",
      "native_id": "a759cdfdc69c45038f82179312d3041e",
      "source": "doaj",
      "url": "https://doi.org/10.63158/journalisi.v8i5.1781"
    }
  ],
  "subjects": [
    {
      "field": "mathematics",
      "origin": "lcc:QA1-939",
      "subfield": "general"
    }
  ],
  "title": "Benchmarking Embedding Models for POJK Regulatory Retrieval in Indonesian Insurance Documents",
  "title_text": "Benchmarking Embedding Models for POJK Regulatory Retrieval in Indonesian Insurance Documents",
  "type": "peer-reviewed",
  "updated_at": "2026-10-30T13:44:46Z",
  "url": "https://research.draconitic.com/paper/0b6vm3gmyx550",
  "venue": "Journal of Information Systems and Informatics",
  "versions": []
}