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 examines how leadership and work-life balance influence employee performance directly and indirectly through employee engagement at the Fisheries Service of Central Maluku Regency. A descriptive quantitative,…
causal-correlational design was applied to the entire population of 49 employees using total sampling. Data were analyzed through descriptive statistics, path analysis, and Sobel tests to estimate direct, indirect, and mediating effects. The findings show that leadership significantly affects employee engagement (beta = 0.582; p < 0.001), while work-life balance also has a significant, although smaller, effect on engagement (beta = 0.129; p = 0.005). Employee engagement strongly affects performance (beta = 0.942; p < 0.001). In contrast, the direct effects of leadership (beta = 0.034; p = 0.613) and work-life balance (beta = -0.008; p = 0.756) on performance are not significant. Sobel testing confirms that employee engagement mediates the effect of leadership on performance (p = 0.00015) and the effect of work-life balance on performance (p = 0.03). The model explains 92.4% of the variance in performance. The study's novelty lies in demonstrating, within a local public-sector context, that leadership and work-life balance improve performance primarily by strengthening employee engagement rather than through direct effects. These findings imply that public organizations should prioritize engagement-oriented leadership and work-life policies to achieve sustainable employee performance.
Abstract:Background: Joint pain is a common health problem experienced by older adults due to degenerative processes in the musculoskeletal system. This condition can cause limitations in daily activities and decrease quality of…
life. One non-pharmacological therapy that can be used to reduce joint pain is a warm ginger compress because it has anti-inflammatory effects and provides warmth to the painful area. Objective: To determine the effect of warm ginger compress therapy on reducing joint pain levels in older adults. Methods: This study used a descriptive case study design involving two older adults with joint pain in Kampung Guwosari, RT 02/RW 27, Jebres, Surakarta. The intervention was conducted for 3 consecutive days, once daily for 15–20 minutes. Pain levels were measured using the Numeric Rating Scale (NRS). Results: Respondent 1 experienced a decrease in pain scale from 7 to 4, while Respondent 2 experienced a decrease from 4 to 2 after receiving warm ginger compress therapy for 3 days. Conclusion: Warm ginger compress therapy can help reduce joint pain levels in older adults and can be used as a simple, safe, and affordable non-pharmacological therapy.
Abstract:Maintaining employees’ Work-Life Balance (WLB) remains a major challenge for organizations operating under high operational demands. This study examines the effect of Individualized Consideration on Work-Life Balance through…
hrough Organizational Citizenship Behavior (OCB), with Work Overload as a moderating variable. A quantitative explanatory approach was employed using a census survey involving 149 operational employees at PT PLN (Persero) UPT Cikupa, Indonesia. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The findings reveal that Individualized Consideration has a positive and significant effect on Organizational Citizenship Behavior but does not have a significant direct effect on Work-Life Balance. Organizational Citizenship Behavior, in turn, has a positive and significant effect on Work-Life Balance and fully mediates the relationship between Individualized Consideration and Work-Life Balance. Meanwhile, Work Overload does not significantly moderate the relationship between Individualized Consideration and Work-Life Balance. These findings demonstrate that individualized leadership contributes to employees’ Work-Life Balance primarily through the development of Organizational Citizenship Behavior rather than through a direct mechanism, particularly in a high-demand operational environment. Practically, the study suggests that organizations should strengthen Organizational Citizenship Behavior by fostering collaboration, voluntary support, and constructive interpersonal behavior among employees, rather than relying solely on individualized leadership practices to improve Work-Life Balance.
Abstract:Maintaining employee commitment is particularly important in palm oil mill operations, where shift work, physical demands, and limited career development opportunities may affect employees’ attachment to the organization.…
on. This study examines the influence of work-life balance and career development on the organizational commitment of operational employees at the Rimba Belian Palm Oil Mill Unit, Region 5, PT Perkebunan Nusantara IV. A quantitative associative design was employed, involving all 114 operational employees through a census approach. Data were collected using a five-point Likert-scale questionnaire and analyzed through multiple linear regression after completing instrument and classical assumption tests. The findings indicate that work-life balance and career development each have a positive and significant influence on organizational commitment. Both variables also jointly contribute significantly to strengthening employees’ commitment to the organization. Work-life balance showed a relatively stronger contribution, suggesting that employees’ ability to manage work demands and personal responsibilities is particularly important in a shift-based operational environment. This study extends the discussion of organizational commitment to the palm oil agro-industry, which remains less frequently examined than service and public-sector organizations. The findings imply that management should improve shift arrangements, rest periods, access to training, and the transparency of promotion and career development processes to maintain employees’ long-term commitment
Abstract:This study examines the influence of Maqashid Sharia dimensions on halal cosmetic usage intention among married Muslim women and investigates the moderating role of price affordability. A quantitative approach was employed…
ed using a survey method involving 157 married Muslim women residing in the Greater Jakarta area (Jabodetabek), Indonesia. Respondents were selected through purposive sampling, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The findings reveal that among the five Maqashid Sharia dimensions examined, only hifz al-mal (protection of wealth) and hifz al-nasl (protection of lineage) significantly and positively influence halal cosmetic usage intention. In contrast, hifz al-din (protection of religion), hifz al-nafs (protection of life), and hifz al-aql (protection of intellect) do not show significant effects. Price affordability demonstrates a significant direct positive effect on usage intention; however, it does not moderate the relationships between any of the Maqashid Sharia dimensions and usage intention. The model explains 65.5% of the variance in halal cosmetic usage intention (R² = 0.655) with a predictive relevance value of Q² = 0.469. These findings suggest that economic rationality and family orientation serve as the primary drivers of halal cosmetic consumption among married Muslim women, rather than individual religiosity or health awareness. This study contributes to the literature by applying the Maqashid Sharia framework to consumer behavior research and provides practical implications for halal cosmetic industry stakeholders.
Abstract:Tenaga kerja perempuan di sektor industri rumahan memiliki beban ganda yang unik, yaitu menjalankan peran produktif sebagai pekerja sekaligus peran domestik sebagai pengelola rumah tangga secara bersamaan dan dalam ruang…
yang sama. Kondisi ini berpotensi memicu stres kerja yang tidak terkelola dengan baik serta ketimpangan work-life balance, namun seringkali tidak disadari oleh pelaku usaha itu sendiri karena dianggap sebagai bagian yang wajar dari kehidupan sehari-hari. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman dan keterampilan tenaga kerja perempuan pelaku industri rumahan di Kelurahan Titi Papan, Kecamatan Medan Deli, Kota Medan, dalam mengenali gejala stres kerja, menerapkan teknik manajemen stres sederhana, serta menyusun strategi keseimbangan antara kehidupan kerja dan kehidupan pribadi. Kegiatan dilaksanakan melalui metode sosialisasi partisipatif yang meliputi ceramah interaktif, diskusi kelompok, simulasi teknik relaksasi, serta pendampingan penyusunan rencana aksi pribadi. Evaluasi dilakukan melalui pre-test dan post-test terhadap peserta untuk mengukur perubahan pemahaman sebelum dan sesudah kegiatan. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta mengenai gejala dan penyebab stres kerja, teknik pengelolaan stres, serta pentingnya menjaga keseimbangan kehidupan kerja dan pribadi. Kegiatan ini diharapkan dapat menjadi model intervensi berkelanjutan bagi kelompok tenaga kerja perempuan sektor informal di wilayah perkotaan lain yang memiliki karakteristik serupa.
Abstract:This study aims to analyze and formulate appropriate marketing strategies for PT Serena Indopangan using a SWOT (Strengths, Weakness, Opportunities, and Threats) analysis approach. The research employs a descriptive qualitative…
itative method, with data collected through observations, interviews, and documentation. The results indicate that the company’s strengths lie in its product quality and extensive distribution network, while its weaknesses include limited digital marketing activities and lack of product innovation. On the external side, growing market demand and changes in consumer lifestyles present significant opportunities, whereas intense competition and fluctuating raw material prices pose major threats. Based on the SWOT analysis, the most suitable strategy for PT Serena Indopangan is the SO (Strengths-Opportunities) strategy, which focus on leveraging internal strengths to capitalize on external opportunities. The study recommends enhancing digital marketing efforts and strengthening brand positioning to improve the company’s competitiveness.
Abstract:Mental and spiritual health are crucial aspects of the patient's recovery process in hospitals. In addition to medical treatment, patients also require psychological and spiritual support to help them cope with the various…
us challenges that arise from their illness. This article aims to describe the implementation of Islamic Guidance and Counseling services to strengthen the mental and spiritual health of patients at Padangsidimpuan Indonesian National Armed Forces Hospital. Services provided include spiritual guidance, religious motivation, prayer guidance, individual counseling, and emotional support for patients and their families. Through an Islamic approach, counselors strive to help patients increase their patience, sincerity, optimism, and inner peace in facing their illness and treatment. The results of the service implementation indicate that Islamic Guidance and Counseling contribute positively to patients' psychological and spiritual well-being. Patients who receive support tend to have a better zest for life, lower anxiety levels, and a stronger ability to accept and cope with their health conditions. Furthermore, spiritual guidance activities also help patients maintain their religious practices during treatment, providing a sense of comfort and increasing hope for recovery. The presence of Islamic Guidance and Counseling services in hospitals not only complements existing healthcare services but also plays a crucial role in achieving holistic and humane care. Therefore, strengthening these services requires continued development to optimally support patients' mental and spiritual well-being and improve the overall quality of healthcare.
Abstract:Pancasila, US the fundamental ideology of the Indonesian nation, plays a central role in shaping the character and direction of national life. However, the rapid development of digital technology presents new challenges…
for the younger generation generation, particularly Generation Z, in internalizing Pancasila values. This generation lives technologically amidst advancements, a culture of globalization, and the rapid flow of information. US a result, there has been a shift in values, a decline in nationalism, and an increase in individualism and social polarization. This article aims to explain how Pancasila values can be re-actualized in the lives of Generation Z in the digital era. Through a qualitative descriptive approach and literature analysis, this article highlights the importance of Pancasila education, digital literacy, and the role of educational institutions in strengthening national character. The study's results indicate that collaboration between families, schools, and communities needs to be strengthened so that Pancasila is not only cognitively understood but also practiced in the social behavior of Generation Z.