Abstract:Fractional premium schemes in life insurance generally follow two main approaches: True Fractional Premiums, which are easy to implement but less fair to policyholders who die mid-period, and Apportionable Fractional Premiums,…
miums, which are more actuarially fair but administratively more complex. This study designs a Hybrid Fractional Premiums model that combines both approaches through a weighted linear combination using parameter , based on the 2023 Indonesian Mortality Table (TMPI), a 5% interest rate, a 10-year coverage period, and monthly premium payments. This descriptive quantitative study applies actuarial mathematics, covering the present value of insurance benefits, true fractional, apportionable fractional, and hybrid annuity factors, up to premium determination using the equivalence principle. The results show that the hybrid premium consistently lies between the true fractional and apportionable premiums, increases sharply with the insured's age, and is higher for males than females due to differences in mortality rates. Changes in the value of have a linear effect on the premium, although the impact is relatively small (a difference of less than IDR 200 per month). The hybrid model with is recommended as the optimal balance between actuarial fairness and ease of implementation, offering a more flexible alternative for premium determination in Indonesia's life insurance industry.
Abstract:Village infrastructure development planning often faces challenges in determining priorities due to limited budget allocations and assessment mechanisms that still tend to be subjective. This study aims to build an objective,…
tive, transparent, and measurable Decision Support System (DSS) to determine the priority order of infrastructure development proposals in Asam Jawa Village, Torgamba District. The applied solution integrates the Rank Order Centroid (ROC) method to calculate criteria weighting based on relative importance, and the Simple Additive Weighting (SAW) method to process the alternative ranking calculation. The evaluation was conducted on 23 physical infrastructure proposals using four main criteria: urgency level (C1), physical condition (C2), benefits (C3), and population size (C4). The results indicate that alternative A4 (Construction of Borehole Well and Public Toilet at Field) and alternative A18 (Sejahtera Street Concrete Cast) achieved the highest preference score of 1.000000, followed by other infrastructure proposals in a structured manner. The combined use of ROC and SAW methods is proven to be effective and consistent in generating accurate rural development priority rankings. The integration of these two methods facilitates village government officials in making accountable decisions while minimizing cognitive bias risks in optimizing development budget allocation.
Abstract:The flood disaster that occurred in Ketambe District, Southeast Aceh Regency, at the end of 2025 caused significant impacts on local communities, including damage to housing, disruption of economic activities, and increased…
sed demand for basic necessities. These conditions required a rapid, targeted, and well-coordinated humanitarian response. This community service program aimed to provide clothing and food assistance to flood victims while developing a cross-border university collaboration model for disaster response. The program was implemented through a partnership involving Universitas Gunung Leuser (UGL), Universiti Poly-Tech Malaysia (UPTM), and Insan Cakna. The implementation stages included needs assessment, institutional coordination, aid procurement, aid distribution, and program evaluation. UGL was responsible for needs assessment, local coordination, and aid distribution, while UPTM served as the primary donor providing financial assistance, clothing, and food supplies. Insan Cakna acted as the liaison and coordination facilitator between both institutions. The results demonstrated that the collaboration model improved the effectiveness and accuracy of aid distribution while strengthening institutional synergy in disaster response efforts. Beyond providing direct benefits to affected communities, the program generated a cross-border university collaboration model that can be replicated in future humanitarian and disaster management initiatives. The findings highlight that the success of humanitarian programs depends not only on the availability of aid but also on effective coordination, clear division of responsibilities, and sustainable institutional partnerships.
Abstract:Research is the systematic and planned process of collecting, processing, and analyzing data in accordance with scientific principles to seek truth, solve problems, or discover new knowledge. Conducting research often serves…
rves as a final project for undergraduate students to complete their studies; for Educational Technology undergraduates, in particular, development research is highly recommended. Development research—or Research and Development (R&D)—is a scientific method used to create new products or improve existing ones, as well as to test their effectiveness. These products may take the form of media, models, modules, or tools. Specifically for Educational Technology undergraduates, this type of research involves a scientific approach to designing, producing, and testing the feasibility of instructional products—such as interactive media, learning models, or digital modules—to address learning challenges. The primary objective of R&D for Educational Technology undergraduates is to produce instructional products that are valid, practical, and effective in solving learning problems and enhancing the quality of the learning process and performance. The benefits of such research include improved skills in creating instructional products, the ability to solve real-world learning problems, and the development of a professional portfolio.
Abstract:The increasing use of electric vehicles in Indonesia is a step in the framework of transforming the transportation system to be more environmentally friendly to achieve the Net Zero Emission target of 2060. However, the…
increasing use of electric vehicles is not only due to technical and policy changes, but also communication efforts. This study attempts to analyze the sustainability communication strategy used by the TikTok account @eos_indonesia in providing education related to electric vehicles. This study uses a qualitative method with a content analysis approach, These methods consist of digital participatory observation and documentation, The data collection is an analysis of the TikTok account @eos_indonesia content data that will be taken with a time span of April 2025 - June 2026 according to the classification that has been made, the data collected includes: video content (visual, audio and narrative). and content analysis has stages, starting from determining the unit of information, data sampling, recoding or recoding data (coding), grouping based on certain categories until finally interpreting the meaning contained in the message content. The research results show that sustainability communication strategies are carried out through five approaches: providing environmental education, reducing the complexity of electric vehicle technology, storytelling based on user experience, digital visual persuasion, and combining economic and environmental benefits in every communication message. This study contributes to the field of digital communication and sustainability communication by demonstrating the potential effectiveness of social media as a public education platform towards green transportation transformation in Indonesia.
Abstract:Customer loyalty is a crucial factor in maintaining the sustainability of any service business, including the laundry business. Al-Matuq Islamic Boarding School Laundry experienced a decline in turnover and frequency of…
repeated service usage during the 2023–2025 period, indicating a decline in customer loyalty. This study aims to analyze the effect of service quality and price on customer loyalty, with customer satisfaction as a mediating variable. The study used a quantitative approach with a survey method of 133 Al-Matuq Islamic Boarding School Laundry customers selected using a purposive sampling technique. Data analysis was conducted using Structural Equation Modeling (SEM) assisted by AMOS 26. The results showed that service quality has a positive and significant effect on customer satisfaction (β = 0.647; p < 0.001), price has a positive and significant effect on customer satisfaction (β = 0.313; p = 0.002), price has a positive and significant effect on customer loyalty (β = 0.443; p < 0.001), and customer satisfaction has a positive and significant effect on customer loyalty (β = 0.197; p = 0.035). In contrast, service quality does not have a significant effect on customer loyalty (β = 0.077; p = 0.544). These findings indicate that customer satisfaction plays an important role in increasing customer loyalty, while service quality contributes more through increasing customer satisfaction than directly to loyalty. The implications of this study emphasize the importance of consistently improving service quality and setting prices that are in accordance with the benefits received by customers to increase customer satisfaction and loyalty in a sustainable manner
Abstract:Based on GMTI 2019 data, it shows that until 2030, the number of Muslim tourists (wislim) is projected to reach 230 million worldwide, and in 2024 as many as 8.5 million tourists. This provides an opportunity for Indonesia…
ia to accelerate the development of national halal tourism destinations with global standards for potential destinations, one of which is the Blitar chocolate village. This study aims to determine the development of chocolate village tourist destinations into sharia-based tourist destinations through a qualitative approach, data collected through interviews, and sources from the chocolate village website, observations and documentation, and related subumber sources. Based on the analysis that has been carried out, it can be concluded that the tourist destination of Kampung Chocolate Blitar is an educational tourism by offering 8 kinds of educational packages and family entertainment tours and ecotourism by offering a natural and cultural atmosphere. The measurement of halal tourism in the Blitar chocolate village destination starts from the implementation of tourist destinations that provide benefits and benefits, tourism facilities that are representative and friendly to Muslims as evidenced by CHSE (Cleanliness, Health, Safety, Environment Sustainability) certificates from the Ministry of Tourism and Creative Economy and being a member of the Indonesia Halal in Tourism Association (PPHI), goods and services products have been guaranteed to be halal and avoid disobedience and dishonesty, and the contract applied by susuai is the a'mal contract to employees and the musyarokah and mudhorobah contract to MSME partners and external parties, as well as the ijaroh contract to tourists. From the potential possessed by this chocolate village, the Blitar Chocolate Village destination has great potential to become a sharia-based tourist destination (halal tourism).
Abstract:This study aims to analyze the influence of compensation and benefits, work environment, and employee demographics on employee performance mediated by motivation in quantitative manufacturing companies using a survey method.…
hod. The research population was all employees, with a sample of 104 employees selected using purposive sampling techniques. Data were collected through questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The study's results indicate that compensation and benefits have a positive and significant impact on employee performance and motivation. The work environment has a positive and significant effect on motivation, but it does not have a direct effect on employee performance. Employee demographics have no significant effect on employee motivation or performance. Motivation has a positive and significant effect on employee performance and has been shown to mediate the relationship between compensation and benefits, as well as the work environment, on employee performance. This research provides practical implications for company management in improving employee performance through improved compensation systems, conducive work environments, and increased work motivation.
Abstract:The persistent gap between theoretical instruction and real-world practice remains a critical challenge in business education, particularly in contexts involving Micro, Small, and Medium Enterprises (MSMEs). Experiential…
learning has been promoted as a pedagogical response to this challenge; however, many initiatives lack structured frameworks that integrate student learning with meaningful community engagement. This study examines the implementation of the BRIDGE model (Build, Reach, Discover, Grow, and Elevate) as a structured business mentoring approach grounded in experiential learning principles. Using a qualitative participatory action research design, the study involved 15 undergraduate business students and five MSMEs in Semarang City, Indonesia. Data were collected through participant observation, in-depth interviews, focus group discussions, reflective journals, and program documentation, and analyzed using thematic analysis. The findings indicate that the BRIDGE model facilitates deep experiential learning by enabling students to connect theoretical concepts with contextual business realities, while simultaneously generating instrumental and symbolic benefits for MSME partners. Despite limitations related to program duration, the model demonstrates strong potential as a feasible and transferable framework for experiential business education in emerging economy contexts.
Abstract:The digital disruption era has significantly impacted startups, requiring them to adopt innovative Human Resource Management (HRM) strategies to remain competitive. This study examines HRM technology adoption, including AI-based…
ng AI-based recruitment, cloud-based HRIS, and digital collaboration tools, and the challenges that hinder their full implementation. Despite the benefits, budget constraints, lack of managerial support, and low digital competencyremain major obstacles. Using a qualitative descriptive approach, data were collected from Indonesian startups through in-depth interviews, observations, and document analysis. Findings indicate that startups with clear digital transformation roadmaps, strong leadership engagement, and structured employee training programs are more successful in integrating HRM technology. However, many startups still rely on manual HR processes, limiting efficiency and innovation. This study highlights that HRM should be a strategic function rather than an administrative task, focusing on technology-driven efficiency, digital upskilling, and cultural adaptation. To ensure sustainable growth, startups must prioritize digital innovation, workforce development, and managerial commitment in their HRM transformation.