Abstract:Traffic accidents impose a heavy economic burden, particularly on victims’ medical expenses. PT. Jasa Raharja, a state-owned insurance company, plays a crucial role in providing compensation for hospitalization costs. This…
This study analyzes the impact of PT. Jasa Raharja’s insurance on inpatient expenses for traffic accident victims in Pekanbaru City. The research applies a quantitative approach with descriptive analysis and simple regression. Data came from 120 respondents, consisting of victims and their families who received insurance benefits. The findings show that PT. Jasa Raharja’s insurance claims cover an average of 67% of total hospitalization costs, significantly reducing the victims’ financial burden. However, the coverage ceiling remains limited and does not fully meet medical expenses. This study concludes that PT. Jasa Raharja makes a substantial contribution to financing accident-related hospitalization, although increasing the claim ceiling would better align with current hospital costs.
Abstract:This study analyzes the challenges of food security and the policy responses of the government in achieving food self-sufficiency in South Sulawesi in 2025. The research aims to identify production-consumption gaps, distribution…
ribution bottlenecks, and the impacts of climate variability and agricultural policies on food availability, accessibility, and affordability. A mixed-methods approach was employed, combining qualitative and quantitative techniques through household surveys, in-depth interviews with farmers and policymakers, field observations, and secondary data from the Central Statistics Agency and the South Sulawesi Agricultural Department.
The results reveal persistent production deficits for rice and soybeans, while corn has reached a surplus, illustrating structural imbalances among staple commodities. Approximately 62% of respondents reported difficulties in transportation and storage due to inadequate infrastructure, contributing to post-harvest losses and unstable food prices. Government programs such as irrigation development, input subsidies, and farmer training have provided partial benefits, yet 57% of farmers indicated irregular access to such support. Moreover, climate shocks such as El Niño continue to depress yields and increase vulnerability among smallholder farmers. Conversely, social capital, manifested in farmer groups and cooperative networks, has played a significant role in sustaining household food availability and resilience.
The findings suggest that food security in South Sulawesi cannot be addressed solely through production increases. A multifaceted strategy is required, emphasizing rural infrastructure development, climate-smart agricultural innovation, institutional and irrigation reform, and community-based mechanisms that strengthen social capital. This integrative approach provides empirical evidence for policy design and contributes to the broader discourse on sustainable food self-sufficiency in Indonesia.
Abstract:This article examines in depth the relationship between the Qur'an and the concept of diversity in the context of modern society. By using a qualitative approach and content analysis of Qur'anic verses that touch on the…
issue of ethnic, religious, and racial differences, this study seeks to uncover the universal and contextual dimensions of the principles of diversity in Islamic teachings. Gadamer's hermeneutic approach is used as a theoretical framework for critically interpreting Qur'anic texts, with the aim of contributing to the treasure trove of modern interpretations of pluralism. The findings of the study show that the Qur'an, through verses that emphasize the unity of humanity and respect for diversity, provides a strong foundation for the implementation of diversity values. The discussion also explained the social implications of the application of the principle of diversity according to the Qur'an, including in the context of politics, education, and intercultural relations in pluralistic societies. By integrating critical analysis of sacred texts with empirical data and theoretical studies, this article is expected to make a significant contribution to the research treasure trove of Islamic studies and pluralism. This research emphasizes that the role of the Qur'an in upholding the value of diversity is multi-perspective; It not only provides spiritual guidance, but also offers an ethical framework that can foster the construction of an inclusive, just, and harmonious modern society. The purpose of this research is to elaborate on the role of the Qur'an as a source of values of diversity and pluralism, by tracing relevant verses and relating them to the social reality on the ground. Thus, this research not only aims to provide textual analysis, but also examines the practical application of the teachings of the Qur'an in promoting peace and social justice in the era of globalization. This research is expected to be an important reference for researchers and academics of Islamic studies and pluralism in an effort to strengthen interfaith dialogue and increase tolerance and social justice.
Abstract:This study examines the concept of social solidarity and religious values, especially those contained in the Qur'an. Social solidarity has long been the focus of discussion in various disciplines, ranging from sociology,…
political science, to Islamic studies. In the midst of the increasingly complex dynamics of urbanization in Indonesia, the question of how religious values, especially those contained in the Qur'an, can encourage collective action based on social justice is very relevant. By examining in depth the relationship between the teachings of the Qur'an and social solidarity, this article contributes to the development of social theory and practice in urban Indonesian society. It is hoped that the findings and recommendations presented can be a reference for academics, researchers, and policymakers in formulating strategies for integrating Islamic values into contemporary social dynamics, so that in the end it can produce a more just, inclusive, and dignified society. The results of the study show that there is a strong integration between the theological message in the Qur'an and the dynamics of social interaction, as well as its implications in the formation of pro-people public policy. Thus, the conceptual framework proposed in this study not only makes a theoretical contribution to the development of Islamic studies and sociology, but also offers practical recommendations that are applicable to the strengthening of social solidarity in the modern era. This study suggests that further studies can explore more empirical aspects, involving field data and participatory analysis, to ensure that the values of the Qur'an are truly integrated into social life and public policy as a whole. This research invites further dialogue between stakeholders in an effort to realize solid social solidarity, as a tangible manifestation of the application of the principles of goodness and justice enshrined in the Qur'an.
Abstract:A healthy and safe environment is essential, because a healthy and secure environment can make a person work quietly, and the results of work are expected to meet the established standards. Job satisfaction is one of the…
factors that influences the working environment. This research aims to determine the relationship between the work environment and the job satisfaction of nurses in regional general hospitals in Bogor City. This study uses a quantitative approach. Data were collected by distributing questionnaires to 80 respondents. The sampling technique for this research uses saturated sampling. The analysis technique for this research is descriptive analysis, correlation coefficients (Rank Spearman), coefficient of determination r2, and correlation coefficient hypothesis. This research shows a strong relationship between work environment and job satisfaction based on the results of the Rank Spearman correlation coefficient of 0,759 and from the results of the coefficient of determination is it known that work environment has a positive relationship with a value of r2 = 66,1%. Hypothesis test results in tcount>ttable (10,292>1,664), Ho is rejected and Ha is accepted
Abstract:Digital technologies are changing rapidly, and this has changed the financial services industry, especially how people decide where to invest their money. This study looks at how digital literacy, financial literacy, and…
fear of missing out (FOMO) affect how much risk young investors are willing to take when investing with information disclosure as a mediating variable. The research data is taken from 447 investors of Gen Y and Z in West Java and used Partial Least Squares-Structural Equation Modeling (PLSSEM). The results show that being financially literate makes people more likely to search for financial information, but it also makes them less willing to take risks when investing. This suggests that people who know a lot about money are more careful when they invest. On the other hand, FOMO has a positive effect on both information searching and risk tolerance, showing how emotions can affect people online. Digital literacy helps people be more willing to take risks, but it does not have a big effect on how much information they search. These results show how important cognitive and emotional factors are in determining how people act when it comes to IT-driven finances. The study helps with responsible digital transformation by showing how important it is for individuals to be ready to navigate fintech ecosystems. It also gives regulators, platform providers, and educators ideas on how to promote more informed and resilient investment practices.
Abstract:The COVID-19 pandemic has had a significant impact on partial business sectors. One of the businesses affected is the property business. That's why a SWOT analysis is needed in the property marketing industry to answer step…
tep optimization. This study aims to identify SWOT in the property marketing industry of PT Harmony Land Group in the Pandemic Era. The purpose of this study is to map and analyze Strengths (Strengths), Weaknesses (Weaknesses), Opportunities (Opportunities), Threats (Threats) in the industry management rights to the industry. We also know that the natural phenomenon of covid 19 is possible to create a tremendous impact on variable business sectors. There are businesses that go up, there are new businesses, there are businesses that are decreasing, and some businesses are closing. Through SWOT analysis in the property marketing industry, we are able to see the strength we will maintain, the weaknesses we will strengthen and minimize, the opportunities we must take and the threats we create solutions for. In this case, PT Harmony Land Group as one of the affected property companies was able to survive in the midst of the onslaught of the COVID-19 pandemic and was able to create strategic management into an execution in the field of property marketing so as to make the company sustainable to date and create new opportunities that have yetEmerged. COVID-19 during the COVID-19 pandemic.
Abstract:This research investigates the impact of AI literacy on leadership effectiveness within the finance industry, a sector experiencing rapid digital transformation. As artificial intelligence becomes increasingly integrated…
into financial operations, leaders are required to possess not only traditional managerial skills but also a strong understanding of AI concepts, applications, and ethical considerations. Using a quantitative approach, data were collected from 55 finance professionals occupying leadership roles across various organizations. The study assessed their levels of AI literacy and examined its relationship with their perceived leadership effectiveness. The results reveal a significant positive correlation between AI literacy and leadership effectiveness, indicating that leaders with higher AI literacy are better equipped to drive innovation, make strategic decisions, and successfully adapt to technological change. These findings highlight the importance of integrating AI literacy into leadership development programs and fostering a culture of continuous learning to ensure sustained organizational agility and competitiveness in the finance sector.
Abstract:This study aims to analyze the management of batik as an educational tourism attraction based on local cultural values in Karanganyar Regency, with an emphasis on the involvement of the five key actors in the Penta Helix…
model—government, academia, business sector, community, and media. Karanganyar possesses rich cultural heritage in the form of batik, which holds significant potential to be developed into an educational tourism destination. However, its current management still faces various challenges. This research employed a qualitative descriptive approach, using in-depth interviews, field observations, and document studies for data collection. Data were analyzed using thematic analysis, referring to destination management theory (Cooper et al., 2008) and the concept of edu-tourism (Bodger, 1998). The results reveal that the management of batik educational tourism in Karanganyar has not yet been systematically integrated. Key issues identified include: (1) limited human resources with adequate competence, (2) conventional tourism practices, (3) lack of innovation in tourism product packaging, (4) insufficient institutional coordination and support, and (5) underdeveloped integration between cultural and educational tourism. While there is a strong commitment to cultural preservation from local communities and participation from business actors, structural support from the government and optimization of the media’s role require further enhancement. The implication of this research emphasizes the need for strengthened cross-sectoral collaboration through the Penta Helix framework, the formulation of specific policies for educational tourism development, as well as innovations in digital promotion and context-based cultural education curricula. This study is expected to serve as a reference for policymakers, tourism practitioners, and future researchers in promoting sustainable educational tourism rooted in local culture.
Abstract:This study examines the development of Al-Quran digital tools and their impact on Islamic learning in the context of religious media transformation. The study was conducted with a qualitative approach, using the documentation…
ation study method and content analysis of the Al-Quran mobile application available on Android and iOS platforms within the last five years. The analysis is focused on aspects of usability, accessibility, and digital features that support learning and understanding of the Quran. The findings of the study reveal that the integration of digital technology and religious content has resulted in a new paradigm in the learning and dissemination of Islamic messages, marking social change and increased transformation of religious media. This research produces a comprehensive evaluation framework for Al-Quran digital tools and typologies based on categories and functionality, which makes theoretical and practical contributions to the development of Al-Quran mobile applications in the future.