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: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:BPJS services certainly cannot be separated from efforts to maintain service quality standards which at least include service procedures, completion time, service costs, service products, facilities and infrastructure, as…
s well as the competence of service personnel. Therefore, BPJS as an institution that provides health insurance to the public should measure the quality of services provided, especially through the HIS program. The aim of this research is to describe how the Health Insurance Administering Agency (BPJS) provides services at the Merauke Regency Regional General Hospital (RSUD Merauke Regency). The research method used is a qualitative descriptive technique. Based on the research results, the availability of adequate health facilities and equipment at BPJS counters can help officers in carrying out their duties in providing services to BPJS participants and is a factor that influences services at BPJS counters in Merauke-General Region. the affected hospitals are physical evidence. In accessing health services, officers must be sensitive in handling patient complaints and nursing staff must be responsive in resolving complaints from BPJS participants. Apart from that, nurses or civil servants must be punctual and each have an educational background related to BPJS. This applies to both training in the health and non-health sectors and the last is certainty, namely that to get services from BPJS, patients must follow the procedures set out in regional regulations, do not follow
Abstract:The secretariat office has employees including the head of the office, cashier, security guard and boarding house, and the management of this office is under the super- vision of the Chair of the 5 Daily Management of the…
e Congregation Council (PHMJ). GPIB office employees of the Surya Kasih Congregation receive salaries provided by the Surya Kasih Congregation for employees with local status and by the synod if the status is as a synod employee. So far, salaries have been given in the form of a single unit with- out a salary structure that is in accordance with church regulations, where there are ele- ments of allowances and determination of their amounts. Then every employee has been registered to participate in BPJS labor, but it is limited to "work accident insurance (JKK)" and "death guarantee (JKM)" while those that have not been followed are "pen- sion guarantee (JP)" and "old age guarantee (JHT). )â€. Apart from that, to be able to pro- vide a salary value and benefits, it must be based on an objective and structured work per- formance assessment, then involve employees, their leaders and then a provision will be made as a permanent employee. Based on this, it has been registered to take part in "pen- sion guarantee (JP)" and "old age guarantee (JHT)". Then previously there was no in- strument for assessing employee performance objectively, so a form of performance as- sessment with several indicators was also prepared.
Abstract:Abstract: When working on a project that carries significant risk, the project owner asks the contractor for a letter of guarantee as a form of seriousness in carrying out the work for a certain time. One of the guarantor…
r companies in the Bangka Belitung Islands Province is PT. Jamkrida Bangka which issues a surety bond certificate as an additional agreement to the main agreement between the project owner and the contractor. The system for submitting surety bond guarantee certificates at PT Jamkrida Bangka is still done manually starting from applying, completing the supporting document requirements, checking the suitability of the applicant's supporting documents, paying the guarantee fee, and printing the surety bond certificate as proof of guarantee. The system currently running will be developed into a web-based system to increase the speed of the administrative service process when applicants submit applications for surety bonds. The web-based system was developed using the Object-Oriented Analysis and Design method and Unified Modeling Language (UML) as a tool to develop in line with user needs. The system design can also provide easy access for applicants who are far from PT offices. Jamkrida in Pangkalpinang.
Keywords: guarantee certificate; surety bonds; web-based systems;
Abstrak: Pada pengerjaan proyek yang beresiko cukup besar, maka pihak pemilik proyek meminta surat jaminan kepada pihak kontraktor sebagai bentuk kesungguhan melaksanakan pekerjaannya selama waktu tertentu. Di Provinsi Kepulauan Bangka Belitung, salah satu Perusahaan penjamin adalah PT. Jamkrida Bangka yang mengeluarkan sertifikat surety bond sebagai perjanjian tambahan dari perjanjian pokok antara pemilik proyek dengan kontraktor. Sistem pengajuan sertifikat jaminan surety bond di PT Jamkrida Bangka masih dilakukan secara manual mulai dari mengajukan permohonan, melengkapi persyaratan dokumen pendukung, memeriksa kesesuaian dokumen pendukung pemohon, pembayaran biaya jaminan, dan pencetakan sertifikat surety bond sebagai bukti jaminan. Sistem yang saat ini berjalan akan dikembangkan menjadi sistem berbasis web untuk meningkatkan kecepatan proses layanan administrasi saat pemohon mengajukan permohonan jaminan surety bond. Sistem berbasis web dikembangkan dengan metode Object-Oriented Analysis and Design dan Unified Modelling Language (UML) sebagai alat bantu, agar sistem dapat berkembang selaras dengan kebutuhan pengguna. Sistem yang dirancang juga mampu memberikan kemudahan akses bagi pemohon yang secara geografis cukup jauh dari kantor PT. Jamkrida di Pangkalpinang.
Kata kunci: sistem berbasis web; sertifikat penjaminan; surety bond
Abstract:Abstract: PT. Energi Mandiri Internasional was established on November 22, 2011 as a reinsurance broker consultant and risk management consultancy to ensure the financial stability of reinsurance service users. The company's…
ny's website; energyre-int.com as a place to self advertise the company with an electronic mail feature to answer questions from potential clients. Heuristic evaluation method was used to test the feasibility of the user interface and analyze the appearance of the interface from the energyre-int.com website. This test was conducted using questionnaires with 34 respondents of reinsurance consulting services users. The results obtained from testing on the Severity rating scale and using the Eight Golden Rules are recommendations for improvement on aspects that have a value of 1 which means that there are errors but can be ignored; Help and documentation with a value of 0.99, the Error Prevention aspect with a value of 0.98, and the Match between system and the real world aspect with a value of 0.91.
Keywords: Heuristic Evaluation; Feasibility Analysis; Reinsurance; User interface; Recommendation.
Abstrak: PT. Energi Mandiri Internasional didirikan pada 22 November 2011 sebagai pialang dan konsultan reasuransi dan konsultasi manajemen risiko untuk memastikan stabilitas keuangan dari pengguna jasa reasuransi. Website perusahaan tersebut; energyre-int.com sebagai wadah untuk mengiklankan perusahaan dengan fitur surat elektronik untuk menjawab pertanyaan-pertanyaan calon klien. Heuristic evaluation merupakan metode yang digunakan untuk menguji kelayakan user interface dan menganalisis tampilan antar muka dari website energyre-int.com. Pengujian ini dilakukan menggunakan kuesioner dengan 34 responden pengguna jasa konsultasi reasuransi. Hasil yang didapat dari pengujian dalam skala Severity rating dan menggunakan aturan Eight Golden Rules adalah rekomendasi perbaikan pada aspek yang memiliki nilai 1 artinya ada kesalahan tapi bisa diabaikan; Help and documentation dengan nilai 0,99, aspek Error Prevention dengan nilai 0,98, dan aspek Match between system and the real world dengan nilai 0,91.
Kata kunci: Evaluasi Heuristik; Analisis Kelayakan; Reasuransi; Antarmuka Pengguna; Rekomendasi.
Abstract:This research aims to explore the role of the Deposit Insurance Corporation (LPS) in protecting customers when banks fail. The research methods used include policy analysis, case studies of failed banks, and reviews of related…
elated laws. It is hoped that the research results will provide a deeper understanding of the effectiveness of the legal protection provided by LPS to customers in the context of bank failures and the related compensation claims process. The Deposit Insurance Corporation (LPS) has a crucial role in protecting customer deposits when banks experience liquidation. In this context, LPS functions as a legal protection strategy for customer deposits held in banks. This action is important to maintain public confidence in banking amidst economic uncertainty. In response to the 1998 monetary crisis, the Indonesian government issued a policy of guaranteeing bank payments, including public deposits, through LPS. The importance of LPS is revealed when banks experience failures that have the potential to threaten the security of customer funds. In this situation, LPS guarantees the customer's refund up to a certain limit, providing the necessary financial protection. This creates a sense of security for customers and promotes banking system stability. With LPS, customers can be assured that their funds are safe even if unexpected events occur in the banking world. The role of LPS as a deposit insurance institution is inherent in the government's efforts to regulate and supervise the financial sector. LPS plays a role as the front guard in protecting customer interests, maintaining financial system stability, and preventing potential losses that could arise due to the possibility of bank failure.
Abstract:Medical personnel are a group of workers who are at high risk of experiencing work accidents and occupational diseases. One type of occupational disease that is often experienced by medical personnel is mental illness. Mental…
ental illnesses experienced by medical workers can have a negative impact on their quality of life, performance and productivity. Therefore, medical personnel who suffer from mental illness have the right to receive protection and guarantees from the government and employers. However, in practice, medical personnel who suffer from mental illness often experience difficulties in submitting claims. The research entitled "Recognition of Mental Illness as a Consequence of Medical Personnel in Work Accident Insurance Claim Procedures in Indonesia" is normative-qualitative research. Medical workers face a lot of stress and workload, especially during the COVID-19 pandemic, and mental illness is one of the consequences. Mental illness can impair their performance, health, and well-being, and place them at risk to patients and their work environment. With the recognition of mental illness as a consequence of medical personnel in the JKK claim procedure in Indonesia, JKK is a social security program organized by BPJS Employment. This program provides guarantees to workers or laborers to receive health services and cash compensation due to work accidents or work-related illnesses. So it is hoped that it can provide benefits for medical personnel in the form of getting proper protection, increasing the productivity of medical personnel and improving the quality of health services.
Abstract:This research intends to try the influence of motivation, work discipline and work environment on employee performance at PT. Asei Indonesia Insurance Medan Branch. In this research, there is a conclusion that the problem…
m is whether motivation, work discipline and work environment have a significant effect on the ability of employees at PT. Ace? Therefore this research was attempted to identify and analyze the effects. Encouragement, Activity Discipline and Activity Areas to the Ability of Employees at PT. Asei Indonesia Insurance Medan Branch. In this research using quantitative research procedures. The population in this research is all employees of the Asei Indonesia insurance industry, agents in the research illustration area, totaling 71 people. The information analysis method used is descriptive analysis of respondents, descriptive analysis of variables, classical assumption experiments, multiple linear regression analysis and assumption experiments (t experiments, F experiments and determinant coefficient experiments). The results of the research processed with the SPSS type 23 program, based on the t experiment proved that motivation, activity discipline and the activity environment have a positive and jointly important effect on employee abilities, the adjusted R square number is 0.735 or 73.5%, which means Employee ability is influenced by motivation, activity discipline and activity area and more than 26.5% can be explained by other factors that were not examined in this research. compared to the results of the previous research of the Great God Kresna Valiant. 2017 the effect of communication, encouragement, sports environment on the happiness of employees' activities in the Denpasar city area proves that there is a positive and important effect on employee activity satisfaction. It can be concluded that the results of this research are in line with the results of previous research by AA Besar Oka Pramadita 2015
Abstract:This study aims to analyze the financial performance of PT. Askrindo with a focus on liquidity and solvency ratios. Insurance companies play a crucial role in providing services to address future risks. The performance of…
f these financial companies is evaluated using financial statements consisting of balance sheets and income statements. Liquidity and solvency ratios were chosen as the primary analytical tools in this study. The analysis results indicate that PT. Askrindo has good liquidity performance, where current assets can adequately cover current liabilities. The liquidity ratio during the period 2019 to 2022 showed a positive increase, reaching an average of 297% in 2022. However, there was a decline in the solvency ratio, especially in the debt-to-equity ratio, which decreased from an average of 1.05% in 2019 to 0.78% in 2022. This situation can affect the company's ability to bear high risks, especially due to high premiums. Therefore, PT. Askrindo needs to take steps to increase capital and ensure efficient use of assets to strengthen its overall financial position. In conclusion, although PT. Askrindo has good liquidity performance, so the company needs to increase capital and improve its solvency ratio. This is expected to increase creditor and investor confidence and strengthen the company's ability to face future risks.