Abstract:Abstract This study is motivated by the financial literacy of generation Z and also the quality of life insurance products in Indonesia which are moderated by gender in influencing a person's interest in buying life insurance…
surance in Indonesia. This study uses a quantitative method with a descriptive relationship approach. Determination of the sample in this study was carried out by calculating using the Bernoulli formula, with a total of 384 respondents. The data analysis technique used is the Structural Equation Model - Partial Least Square (SEM-PLS). The results of the study show that financial literacy (X1) and product quality (X2) do not have a significant effect on buying interest (Y) where the p-values of both variables are <0.05. Other findings also state that Gender (Z) does not significantly moderate financial literacy and product quality. The conclusion of this study is that the factors that make generation Z interested in buying insurance products are influenced by their perceptions of financial literacy and product quality. More specifically, the perception of product quality factors has a significant and positive influence on generation Z's interest in buying life insurance products in Indonesia. The findings show that of the two variables, product quality can be the strongest predictor in predicting generation Z's interest in purchasing life insurance products. Financial literacy cannot significantly predict generation Z's interest in purchasing insurance products.
Keywords : financial literacy, product quality, gender, purchasing intention
Abstract:This study aims to analyze the development strategy of cassava leaf-based animal feed ( Manihot utilissima ) in Sumberejo Village, Pagar Merbau District, Deli Serdang Regency. This study uses a nonprobability sampling method…
thod with a saturated sampling technique. With a total of 53 respondents consisting of 50 consumers, 1 business owner and 2 employees. This study uses primary and secondary data. This study uses multiple linear regression analysis to determine what factors influence the development strategy of cassava leaf animal feed and descriptive analysis to analyze the development strategy for the potential and opportunities of using cassava leaves as animal feed. This research method uses qualitative and quantitative analysis. The results showed that cassava leaves have a high crude protein content, which is around 20-30%, and contain crude fiber, fat, and minerals that are beneficial for livestock growth. Multiple linear regression analysis in this study shows that all independent variables have a significant effect on the dependent variable. Among these factors, the economic aspect makes the largest contribution, making it the main factor influencing the dependent variable. Furthermore, social aspects and external support also play a significant role in determining the results. In addition, other factors such as technology, resources, and marketing and distribution also have a significant impact, although with a smaller influence compared to economic and social aspects. Thus, the regression model shows a positive relationship between the independent variables and the dependent variable, so that improvements in these aspects will increase the dependent variable, with the main priority on economic and social aspects.
Abstract:The church is a gathering place for people who believe in Jesus Christ to praise and to glorify Him. Song is part one of the His followers to praise and glorify Him. The purpose of the study was 1) to determine the influence…
ence of song (Ndawi) Lani ethnic in developing their interest at the Lome Baptist Church. 2) to determine the factors that influence the congregation's interest in worshiping at the Lome Baptist Church. The researcher used a qualitative approach. The qualitative approach was chosen because the main focus of the study was to understand the social phenomena related to the song (Ndawi) from the Lani tribe. The population of this study was the entire Lome Baptist Church around aged 18-25 years and the sampel used was 15 people. The data collection techniques used were interviews and observations. The data analysis techniques were identification, classification, and drawing conclusions. The results shows that there are 13 parts, which are divided into (Ayi awu togon uwa iya wua togon uwa) wonderful God wonderful God, (Yetut awuri inom uwa Kritut awuri inom wua) Jesus is with his disciples, Christ is with his disciples, (Purom paga logoner wua taitom paga logoner wua) Living on the Mount of Olives, (Tamban eggwi wonoggwime wua) He is praying, (Ala yoggwi wonoggwime wua) He is asking for power from Him, (Yetut ogoma wagaggerak wua) The Spirit of Jesus came to take a ride, (Wiya pogom wagaggerak wua) He is coming like the wind, (Togi pogom wagaggerak wua) He is coming to brood on the snow, (Awuri aggo inikime wua) He is entering the hearts of His disciples, (Orewi aggo inikime wua) He is entering the hearts of His friends, (Enggi taa ndi’nduk eregerak wua) He is fulfilling in the heart, (Iyok taa ndi'nduk eremobil wua) He is soak the feet in the heart, (Ayii awu togon wua Iya wua togon wua) Wonderful God, miraculous God.
Abstract:Flooding is a natural phenomenon that can cause disasters for humans, especially in Indonesia and the Philippines, which often experience significant impacts on the economy, transportation, and social life. This research…
aims to analyze the factors that cause flooding in both countries, compare the management policies implemented, and provide recommendations for improved mitigation. The method used is a literature review to collect and analyze various scientific sources. The results show that in Indonesia, factors causing flooding include land subsidence, land use change, and climate change, while in the Philippines, flooding is often triggered by tropical storms and extreme rainfall. Indonesia's response strategy focuses on river normalization and drainage infrastructure, while the Philippines implements a National Disaster Risk Reduction and Management Plan that covers prevention, preparedness, and rehabilitation. Despite these efforts, challenges such as urbanization and land acquisition still hamper the effectiveness of flood management. Recommendations include improving infrastructure, sustainable spatial planning, and community education.
Abstract:The rapid transition to electric vehicles (EV) is driven by global environmental concerns and the need to reduce dependence on fossil fuels. In Indonesia, EV adoption faces challenges related to market dynamics, consumer…
behavior, and effective communication strategies. Marketing research and understanding consumer behavior aims to collect and obtain more detailed information and knowledge about customers towards electric vehicle products. Through this, it can understand customers and their tastes, preferences, reflect the future, and also help reduce the risk of product and business failure. Using Word of Mouth communication as part of a marketing strategy that can be carried out by companies in maintaining their business desires. In this article, the author tries to understand the concept of market research, consumer behavior, and the Word-of-Mouth communication model using a qualitative library observation approach, this study analyzes existing research on how these three factors contribute to the growth and long-term survival of the electric vehicle market. Market research provides insight into consumer preferences and market trends, offering important data to align EV products with consumer needs. Understanding consumer behavior is essential in overcoming perceived barriers, such as cost and infrastructure limitations, that hinder EV adoption. Meanwhile, word of mouth communication plays an important role in influencing consumer decisions by fostering trust and awareness of the benefits of EVs. The findings highlight the interconnections between these factors and their collective impact on the development of sustainable marketing strategies for EVs in Indonesia. This study provides valuable insights for stakeholders, including automotive companies and policymakers, in designing more effective marketing approaches that support the sustainable growth of the EV sector.
Abstract:This study aims to describe the implementation of diagnostic assessments in Indonesian language learning at SMP Negeri 1 Watansoppeng, Lalabata District, Soppeng Regency, as well as identify the obstacles faced by teachers…
rs in implementing diagnostic assessments in accordance with the principles of the Independent Curriculum. This study also examines the factors that affect the success of the implementation of diagnostic assessments in the school. The method used in this study is a qualitative approach with a descriptive design. Data was collected through observations, interviews, and questionnaires to the teachers and students involved. Data analysis was carried out thematically to obtain a holistic picture of the implementation of diagnostic assessments. The results of the study show that the implementation of diagnostic assessments at SMP Negeri 1 Watansoppeng is in accordance with the principles of the Independent Curriculum, although there are still some challenges. The main obstacles faced by teachers include the diversity of students' abilities, limited facilities and infrastructure, and teachers' inadequate understanding of diagnostic assessments. Factors that affect the implementation of diagnostic assessments include teacher readiness, school support, large number of students, and the diversity of student learning styles. This study suggests that more intensive training for teachers be carried out and the improvement of facilities that support diagnostic assessments so that the implementation of assessments is more effective and in accordance with the needs of students.
Abstract:This study aims to describe the implementation of the learning community (Kombel) at the junior high school level in Soppeng Regency, its use in improving the competence of Indonesian teachers, and the factors that affect…
t the utilization. This study uses a descriptive qualitative approach with data collection techniques through observation, interviews, and questionnaires. The data obtained was analyzed holistically to reveal the implementation and impact of Kombel on improving teacher professionalism. The results of the study show that the implementation of Kombel at the junior high school level in Soppeng Regency has run optimally in accordance with the principles of the Independent Curriculum. The use of Kombel has proven to be effective in improving the pedagogic competence of Indonesian teachers, especially in the aspects of planning, implementation, and evaluation of learning. In addition, Kombel is a collaborative medium that supports the exchange of good practices between teachers, helps solve student learning problems, and supports the selection of relevant strategies, approaches, and methods. The factors that affect the use of Kombel include: teacher commitment and motivation, time management, availability of facilities, openness, and support from various parties. These findings affirm the importance of strengthening the learning community as a strategy to improve the quality of teacher competence in a sustainable manner.
Abstract: Work accidents are unexpected and undesirable events, and work accidents are related to the employment relationship with the company, hospitals, or community health centers. The employment relationship here indicates that…
s that accidents occur as a result of work or while performing work. Occupational health and safety (K3) on ships has long been a concern among the government and businesses. K3 factors are closely related to the performance of ship crew (ABK) and, in turn, to the performance of the company. The more safety facilities available, the less likely work accidents are to occur. This study aims to determine how the Relationship Between Health and Safety Behavior (K3) and Work Accidents Among Ship Crew (ABK) on Passenger Ships. The type of research uses a quantitative method with a Cross Sectional approach. The sampling technique in this study is Total Sampling with a sample size of 31 respondents. Data collection was obtained from direct observation, interviews, and questionnaires. Data analysis was conducted through univariate and bivariate tests, with the hypothesis testing using the Chi-square test at a confidence level (α=0.05). The results showed that there is a relationship between behavior and work accidents, with a value of (p=0.03), indicating a relationship between behavior and work accidents.
Abstract:This study aims to synthesize findings from empirical studies on factors that influence employee performance and productivity in the context of modern organizations in Indonesia and beyond. Employee performance and productivity…
ctivity are crucial elements for the success and sustainability of organizations amidst intense business competition and dynamic changes in the work environment, including adaptation to work models such as Work From Home (WFH). This article uses a qualitative literature study method on articles/journals covering various key variables such as organizational/work culture, work environment, compensation, motivation, job satisfaction, organizational commitment, workload, work discipline, work stress, and work-life balance. The results of the analysis indicate a complex and interrelated relationship between these variables. It is consistently found that a positive organizational culture, intrinsic and extrinsic motivation, and organizational commitment have a significant influence on improving performance and productivity. A conducive work environment and job satisfaction often act as important mediators in this relationship. However, the influence of variables such as compensation, workload, and work discipline show varying results depending on the organizational context and individual characteristics. This study underlines the importance of a holistic and integrated human resource management approach to optimize employee performance and productivity. Practical implications and suggestions for further research are also discussed.
Abstract:Globally operating companies face challenges in managing human resources from diverse cultural backgrounds. This paper highlights how the role of International Human Resource Management (IHRM) can support the improvement…
of cross-cultural leadership effectiveness while strengthening organizational competitiveness at the global level. Based on the analysis of various empirical studies, it is revealed that leadership success is highly dependent on the mastery of cross-cultural competencies, including cultural intelligence, emotional intelligence, and intercultural communication skills. Global leaders who are able to integrate local and international identities, and adopt transformational leadership approaches, tend to be more successful in building synergy and innovation in multicultural teams. Flexible IHRM approaches such as cross-cultural training and international work experience are key factors in shaping leaders with global capacity. The study also emphasizes the need for collaborative, context-relevant and sustainable leadership development strategies, and the importance of integrating inclusive IHRM practices to support organizational performance in a dynamic global work environment.