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:This study aims to examine the influence of discount framing, brand reputation, e-satisfaction, and e-loyalty on the use of online food delivery applications. The study employs a quantitative approach using survey methods…
s and hypothesis testing with SEM-AMOS version 23. The population of this study consists of users of online food delivery applications across Indonesia, with the unit of analysis being individuals. Data for this study were obtained from 135 respondents who filled out an online questionnaire based on a purposive sampling method. The results of the study indicate that discount framing has a positive effect on brand reputation and e-satisfaction. Brand reputation positively affects e-satisfaction. E-satisfaction positively impacts e-loyalty. This indicates that the higher the discount framing, the better the brand reputation and e-satisfaction for ordering food. Furthermore, the better the brand reputation, the higher the e-satisfaction, and the higher the e-satisfaction, the better the e-loyalty in ordering food through online food delivery applications. The implications of these results for application owners are to understand the influence of discount framing, brand reputation, e-satisfaction, and e-loyalty, so they can formulate strategies and policies related to these factors. Meanwhile, the implication for application users is that they can use applications that offer discount framing that suits their needs.
Abstract:The leadership of student organizations is an important foundation for the sustainability and effectiveness of student activities in higher education institutions. However, many student organization leaders do not yet have…
ve a sufficient understanding of how to identify, develop, and maintain the potential of members (talent management), resulting in the leadership regeneration process often being less than optimal. This community service activity was conducted in the form of material preparation for the Student Leadership Basic Training (LDKM) organized by the Student Association (HIMA) of Economic Education on August 9, 2026, at Villa Cantik, with the theme "The Urgency of Leadership." A total of 55 students participated as event participants. The material presented focuses on talent management within organizations, covering the identification of member potential, competency development strategies, and mapping the regeneration of management. The implementation methods include interactive lectures, group discussions, and organizational case studies. The results of the activity show an increase in participants' understanding of the concept of talent management, marked by high enthusiasm in discussions and the participants' ability to formulate strategies for managing members' potential in organizational case simulations. This activity made a tangible contribution to strengthening students' leadership capacities and opened up opportunities for sustainable collaboration between academics and student organizations within the Economics Education Study Program
Abstract:This study aims to determine the relationship between cardiorespiratory endurance and the attention and learning focus of Physical Education Study Program students. Cardiorespiratory endurance is a component of physical…
fitness that plays an important role in supporting physical activity and cognitive function. The ability of attention and learning focus is an important aspect in the learning process because it affects the understanding of material and student learning outcomes. This research uses a quantitative approach with a correlational design. The research sample consisted of 20 Physical Education Study Program students selected using a purposive sampling technique. Cardiorespiratory endurance was measured using the Multistage Fitness Test (MFT) to obtain an estimated VO₂max, while attention and learning focus were measured using a Likert scale questionnaire. Data analysis was performed using the Pearson Product Moment correlation test. The results showed a positive and significant relationship between cardiorespiratory endurance and student attention and learning focus (r = 0.587; p < 0.05). These findings indicate that students with better levels of cardiorespiratory endurance tend to have higher levels of focus and attention during the learning process.
Abstract:Caring behavior is a fundamental value and the core of professional nursing practice that directly contributes to the quality of patient care and recovery. One of the internal factors associated with caring behavior is spiritual…
piritual intelligence, which enables nurses to find meaning and purpose in the care they provide. However, evidence suggests that both nurses' caring behavior and spiritual intelligence still need improvement. This study aimed to examine the relationship between spiritual intelligence and nurses' caring behavior in inpatient wards. This study employed a quantitative analytical correlational design with a cross-sectional approach. A total of 53 nurses were recruited using a total sampling technique. Data were collected using the Spiritual Intelligence Self-Report Inventory (SISRI-24) and the Caring Behavior Inventory (CBI). Data were analyzed using the Chi-square test with a significance level of p < 0.05. The findings revealed that less than half of the respondents (47.2%) had low spiritual intelligence, while more than half (54.7%) demonstrated poor caring behavior. Statistical analysis showed a significant relationship between spiritual intelligence and nurses' caring behavior (p = 0.001). Nurses with higher levels of spiritual intelligence tended to demonstrate better caring behavior than those with lower levels of spiritual intelligence. Hospital management is encouraged to consider nurses' spiritual intelligence as an important aspect in efforts to enhance caring behavior and improve the overall quality of nursing services.
Abstract:This study aims to examine the influence of User-Generated Content (UGC) on the TikTok platform on Brand Trust and the Decision to Choose a Higher Education Institution, with Brand Authenticity serving as the mediating variable.…
ariable. This study employs an explanatory quantitative approach. Data were collected via an online survey of a purposive sample comprising prospective students or first-year students (aged 17–21) who actively use TikTok and interact with university-related content. Data analysis was conducted on a minimum of 250 respondents using Partial Least Squares (PLS)-based Structural Equation Modelling (SEM) with the aid of SmartPLS software. The results of the outer model testing showed that all indicators used in the questionnaire were valid and reliable. Hypothesis testing confirmed that User-Generated Content has a direct, positive and significant effect on Brand Authenticity, Brand Trust and Choice Decision. Furthermore, Brand Authenticity also has a positive and significant effect on Brand Trust and Choice Decision. Mediation analysis revealed that Brand Authenticity acts as a partial mediator, bridging the influence of UGC on Brand Trust and Choice Decisions. This study confirms that user-generated organic content on TikTok is a crucial instrument in building trust and influencing the academic decisions of Generation Z. Higher education brands that are authentically represented through UGC will find it easier to win the trust and preference of prospective students.
Abstract:This study analyzes the dividend policy of PT Telkom Indonesia (Persero) Tbk (TLKM) during the 2020–2025 period using a quantitative descriptive approach and a longitudinal case study based on secondary data from audited…
ed financial reports. The variables analyzed include Dividend Per Share (DPS), Earnings Per Share (EPS), Dividend Payout Ratio (DPR), Dividend Yield, and Free Cash Flow (FCF), with trend analysis using the Compound Annual Growth Rate (CAGR). The results show that DPS grows 6.05% per year, higher than EPS of 1.87%, resulting in DPR increasing from 80.00% to 93.95% in 2024. Nevertheless, strong and stable operating cash flow ensures that dividends remain supported by FCF, so there is no indication of financial distress. However, the increasing FCF-to-dividend ratio indicates the company's increasingly limited reinvestment space. The decline in net profit of 20.48% in 2025 also increases the risk of dividend policy sustainability. Furthermore, the increase in dividend yield was more influenced by stock price declines than dividend growth. This finding suggests that SOE dividend stability reflects not only fundamental performance but also institutional pressure from the government as the controlling shareholder, supporting the relevance of Agency Theory and Catering Theory in explaining dividend policy of state-owned enterprises in emerging markets
Abstract:This study aims to analyze the simultaneous and partial effects of job satisfaction, employee loyalty, and work commitment on employee performance at PT Sulsel Citra Indonesia (Perseroda). This research adopts an associative…
tive quantitative approach. Data were collected through structured questionnaires distributed to 54 respondents drawn from a population of 114 permanent employees using simple random sampling. Multiple linear regression analysis was conducted using SPSS version 26. The finding that The F-test result (Fcount = 60.515 > Ftable = 2.196; sig. = 0.000) confirms that all three variables simultaneously exert a positive and significant effect on employee performance. Partially, job satisfaction (t = 3.485; sig. = 0.001) and work commitment (t = 11.685; sig. = 0.000) each have a positive and significant effect on employee performance, while employee loyalty (t = -3.080; sig. = 0.003) shows a negative and significant effect. The adjusted R² of 0.771 indicates that 77.1% of the variance in employee performance is explained by the three predictors. Work commitment emerged as the dominant predictor of employee performance, followed by job satisfaction. The negative effect of employee loyalty suggests that loyalty alone does not directly translate into higher performance unless it is accompanied by adequate motivation, job satisfaction, and organizational support. These findings are consistent with previous empirical studies conducted in the plantation and service sectors
Abstract:The rapid expansion of short-form video platforms has reshaped the way audiences engage with digital entertainment. Among these formats, short-form drama has emerged as a distinctive narrative genre characterized by episodic…
odic storytelling within brief viewing durations. Despite its increasing popularity, empirical research explaining the psychological mechanisms underlying Continuous Viewing Intention in short-form drama remains limited. This study investigates the influence of Viewing Motivation on Flow Experience and Continuous Viewing Intention. In this study, Viewing Motivation is conceptualized as a higher-order construct comprising Performance Expectancy, Social Influence, Hedonic Motivation, Habit, Substitute Expectancy, and Aesthetic Motivation. Data were collected through an online survey involving 140 respondents in Makassar who actively consume short-form drama content. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that Viewing Motivation significantly influences both Flow Experience and Continuous Viewing Intention. Furthermore, Flow Experience significantly affects Continuous Viewing Intention and mediates the relationship between Viewing Motivation and Continuous Viewing Intention. These findings underscore the importance of motivational drivers and immersive viewing experiences in fostering sustained engagement with short-form drama content
Abstract:This study aims to analyze the effect of government financial report accountability on the achievement of Sustainable Development Goals (SDGs) 1 in Indonesia. The study used secondary data obtained from the Central Statistics…
stics Agency (BPS) and the Supreme Audit Agency (BPK). The study sample consisted of 456 local governments with an observation period of 2021–2022, resulting in 912 observations. The analytical method used was panel data regression with the Generalized Least Squares (GLS) approach and the Random Effects Model (REM). The results showed that government financial report accountability has a positive and significant effect on the achievement of SDG 1. The coefficient value of 0.645 with a significance level of 0.000 indicates that the better the level of local government accountability, the higher the achievement of poverty alleviation. This study proves that transparent, accountable, and effective financial governance can support the success of government programs in improving public welfare and accelerating the achievement of sustainable development in Indonesia.