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The banking industry has a crucial role in maintaining the balance of development and economic integrity of a country. Banks act as depositories and distributors of liquidity funds which are essential for the sustainability of economic activities. To carry out this function effectively, strict regulations and supervision are needed. As well as guaranteeing customer deposits to ensure healthy and sustainable bank operations. The financial crisis that occurred in 1997 in Indonesia showed structural weaknesses in the banking system, including ineffective supervision and weak bank management. The government responded with a Banking Guarantee program (Blanket Guarenteen), but this program faced various problems and was not continued. As a solution, the Deposit Insurance Corporation (LPS) was formed through Law Number 24 of 2004, which aims to increase public confidence in the banking system and maintain financial system stability. This research aims to analyze the role of LPS in dealing with failed banks and the effectiveness of banking regulations in preventing future financial crises. The results of the analysis are expected to provide policy recommendations to strengthen the stability of the banking system.

This study aims to investigate the identification, assessment, and control of operational risks in the travel industry, with a focus on PT Yuk Kita Tour. Direct observation and interview methods are used to identify the risks faced by the company. Risk assessment is conducted by considering the likelihood of occurrence and its impact on the company's operations, followed by appropriate mitigation strategies. The analysis results show that risks such as online booking system disruptions, lack of staff training, currency exchange rate fluctuations, regulatory changes, natural disasters, disease outbreaks, transportation delays, and terrorism threats affect operational efficiency and customer satisfaction.To control these risks, PT Yuk Kita Tour implements a comprehensive mitigation strategy, including improved cybersecurity systems, staff training programs, currency hedging strategies, active regulatory monitoring, travel insurance, strict health policies, cooperation with transportation operators, and clear security information to customers. The implementation of these risk control strategies has had a positive impact on the company's performance, with year-on-year increases in revenue and customer satisfaction. This study provides insights into the importance of operational risk management in the travel industry and demonstrates that a proactive approach to risk identification, assessment, and control is possible. This study provides insight into the importance of operational risk management in the travel industry and demonstrates that a proactive approach to risk identification, assessment, and control can improve operational efficiency and customer satisfaction. The practical implication of this study is the importance of continuously monitoring existing risks, adapting control strategies, and involving stakeholders in risk management to ensure sustainable business continuity and superior customer service in a dynamic business environment.

Customers who enter into insurance agreements online receive legal protection based on Law no. 40 of 2014, Consumer Protection Law, Civil Code, KUHD, and Law no. 11 of 2008 concerning Information and Electronic Transactions. Thus, an online insurance policy is recognized as a legally valid electronic document, both in digital and printed form. OJK is responsible for insurance supervision, both online and offline, with a focus on aspects of governance, business ethics and financial health. This supervision includes analysis of reports, examinations and investigations, which are part of the OJK's duties in regulating and supervising the financial services sector in Indonesia.  

Health Insurance is a part of insurance that specifically guarantees the health or care costs of insurance members if they fall ill or have an accident. The purpose of this health insurance is to provide health insurance to health insurance recipients, namely entrepreneurs and workers. Such research This can evaluate the economic benefits of health insurance, protection against medical costs, as well as the potential for reducing financial stress when facing health conditions that require expensive treatment. This research was carried out by reading and doing various things, especially studying various literature - existing literature, obtained through qualitative descriptive methods, sourced from books, journals, the internet and articles. The results of this research show that in the Islamic economic view, health insurance is permitted because there is no text that prohibits it and it fulfills the contract or agreement and in it there are elements that are mutually beneficial to both.

BPJS Health is a legal entity formed to administer the health insurance program with the aim of protecting the entire community with affordable premiums and providing wider service coverage for the entire community. BPJS health services focus on first level health services (FKTP/first level health facilities). Due to the sensitive nature of health information stored and managed by BPJS Health, it is important to ensure that the information systems used are safe from cyber attacks and data leaks. The stages of a BPJS Health service audit are determining audit objectives, identifying services using the framework, capability level analysis, testing controls and evidence at the capability level, verifying results, and compiling audit results reports and recommendations. Audits carried out for services that focus on Process Domains DSS01 and DSS02. The measurement result is 2.5 because the value rounding index means the results are at level 3 (established process), that is, currently the processes in each process domain have been identified and standardized well so that the library service system is stable for implementation, while the expected level is at level 4 so there is a gap of 1.5. To be able to overcome the existing gap, a recommendation was made, namely to maximize the alignment of Company Operational Standards (SOP) with applicable policies.

This research is motivated by several problems that: There are several things that have been identified in relation to the implementation of the national health insurance policy on public health services, such as: In supporting the success of health services and reducing health costs for the community, the government in collaboration with PT. Health Insurance holds a Community Health Insurance (Jamkesmas) program. Social Health Insurance services include first-level outpatient care, advanced outpatient care, inpatient care, drug services, childbirth, advanced diagnostic support services, medical equipment and supplement services, operative and non-operative medical procedures, medical rehabilitation services, intensive care Intensive Care Unit (ICU), hemodialysis (dialysis), and emergency services. The method used is a qualitative descriptive method. The results of the study show that: Based on the results of the analysis, it is known that in the service process, both the Jamkesmas pattern and the JKN pattern, are carried out in accordance with the service procedures, namely: self-esteem, meeting expectations (exceed expectations), improvement and rediscovery, forward-looking (vision), continuous improvement (improving), full attention (care, empathy), finally always holding empowerment (empowerment). The obstacles faced by employees in implementing the Jamkesmas and JKN patterns in public health services in Pangandaran Regency are: (1) access to health center services is still limited to certain diseases; (2) the availability of expert personnel is still minimal, (3) the availability of nurses is still limited; (4) the availability of other professional personnel such as pharmacists is still lacking; (5) inpatient facilities are still lacking and so on, which results in less than optimal service. Efforts made by employees in overcoming obstacles when implementing the Jamkesmas and JKN patterns in public health services in Pangandaran Regency are (1) improving access to health center services; (2) adding expert personnel, (3) adding nurses; (4) adding professional personnel; (5) improving inpatient facilities.

This study emphasizes the functions of the Indonesian Deposit Insurance Corporation (Lembaga Penjamin Simpanan, LPS) in savings and loan cooperatives (KSP), such as managing funds and managing risks. KSPs play an important role in the micro economy, especially in providing financial access to people who are not served by banks and other formal financial institutions.  This research employs a qualitative methodology and uses a literature review approach. A qualitative approach was chosen as it allows for a more in-depth understanding of the complex issues of risk management, fund management, and deposit insurance functions in savings and loan cooperatives in Indonesia. To ensure the viability and health of this sector that aims to make a significant contribution to financial inclusion and inclusive economic growth, the government, financial institutions, and cooperatives must work together. To advance the savings and loan cooperative sector in Indonesia, strategic measures should be taken, such as improving risk management and supporting IDICs. Ultimately, this will support the stability of the national financial system and the economic well-being of people in Indonesia.

Employee performance is not optimal, this can be seen from the level of punctuality which gets the lowest score. Based on the results of an interview with the head of the civil service section at Pandega Pangandaran Regional Hospital, punctuality has decreased because there are still employees coming and going home not according to the specified schedule. The level of quality (quality) is not yet optimal, this is because employees are not doing their work on time according to the predetermined targets. Employee performance is influenced by training and work motivation. Overall, it can be concluded that the training at Pandega Hospital, Pangandaran Regency has not been fully effective. Employee responses to the implementation of training education in 2023 show that there is a lack of achievement. This is because the training materials and techniques are not appropriate to the objectives and cannot be understood by participants. Overall motivation at Pandega Hospital, Pangandaran Regency can be said to be mediocre. This can be seen from the employee's response to the existence indicator which is the lowest indicator. The monthly salary provided is not enough to meet the daily needs of employees, while the health insurance offered by the company functions as a motivating factor for employees. This research uses a descriptive and case study approach, with a quantitative design. The data analysis techniques used include testing instruments to assess validity and reliability, testing research models using the coefficient of determination, and testing hypotheses through t tests and F tests. The results of the research show that (1) Training has a positive and significant effect on employee performance at RSUD Pandega Pangandaran. This means that if training is improved, the performance of employees at Pandega Pangandaran Regional Hospital will also increase. (2) Work motivation has a positive and significant effect on employee performance at Pandega Pangandaran Regional Hospital. This means that if work motivation is increased, the performance of employees at Pandega Pangandaran Regional Hospital will also increase. (3) Training and work motivation have a positive and significant effect on employee performance at Pandega Pangandaran Regional Hospital. This means that if training and work motivation are improved, the performance of employees at Pandega Pangandaran Regional Hospital will also increase.    

The information quality is an important factor in influencing someone's decision, including online drivers. In Jambi City, some people affected by the Covid-19 pandemic chose to change professions to become online drivers due to disruption to the household economy. Undertaking this profession, online drivers are at risk of contracting diseases and safety and health hazards while working, while there are still those who do not have health insurance to face these risks. The aim of this research is to analyze the influence of information quality on the decision to participate in BPJS Health insurance for online drivers in Jambi City. A quantitative study approach with a cross-sectional design was carried out in Jambi City in 2023. There were 96 respondents selected based on accidental sampling techniques. The study instrument is a questionnaire. Data analysis used the chi-square test. There is a significant influence between the factors accuracy (p=0.001), timeliness (0.000), relevance (p=0.001), and completeness of information on the decision to participate in BPJS Health insurance for online drivers. It is recommended that BPJS Health increase its educational campaign about the benefits of health insurance and improving the quality of timely and relevant information.

Pharmaceutical Services at the Hospital is an integral part of the Hospital's health care system that is patient-oriented, providing Pharmaceutical Preparations Medical Devices, and Medical Materials that are quality and affordable for all levels of society including clinical pharmacy services (Anonymous, 2016) Besed on the Decree of the Minister of Health of the Republic of Indonesia No 179 Menkes/SK/11/2008, the SPM indicator of hospital pharmacy services includes the waiting time for drug services to be a maximum of 30 minutes while the maximum concoction drug is 60 minutes, the absence of medication errors, stalaction customers at least 80% and prescription writing all must refer to the Hospital formulary This study aims to find out the Waiting Time (Respond Time) of Prescription Services for Finished Medicines and drugs mixed with BPJS patients Outpatient in Bangil Hospital. This research is a non-experimental research with descriptive approach, namely the type of research approach to obtain an overview of the state of a group of data based on observations the real thing is, data collection is done in the Outpatient Pharmacy Service at Hangil Hospital, and is carried out for three months. The total mumber of prescription samples erered in the pharmacy installation for three months a 12.587 prescriptions with details of 10,770 prescriptions of JKN BPJS 85.27% 1,808 peral recipes 14 66% and 9 other insurance recipes 0.07% Among the recipe for JKN BPIS obtained during the study were 90.23% of non-concoction recipes and 9.77% of recipe recipes. The results of the study were obtaining results, the number of prescriptions from patients was 85.27% more than prescriptions from general patients 14 66% and other insurance 0.07%. The average waiting time for non-concoction recipe services in 25 minutes, and concoctions are 62 minutes

Anxiety is a subjective experience of the individual and cannot be observed directly and is an emotional state without a specific object. This anxiety can occur in parents because parental anxiety can be influenced by several factors, one of which is the life of their child. Febrile seizures are seizures that occur when body temperature rises above 38°C. Objective: to find out what factors are related to the level of anxiety of parents with children with convulsive fever at the Bakti Timah Karimun Hospital. Method: The study design used in this research is cross sectional. The sampling technique was a total sampling of 30 respondents. The analysis used is univariate and bivariate analysis using the Chi Square test. Results: From the research, it was obtained that the age factor had a P value of 0.006 < 0.05, the gender factor had a P value of 0.015 < 0.05, the education factor had a P value of 0.001 < 0.05, the knowledge factor had a P value of 0.002 < 0.05, and the economic status factor (health insurance) with a P value of 0.026 < 0.05. Conclusion: There is a significant relationship between age, gender, education, knowledge and economic status (health insurance) on the level of anxiety of parents and children with febrile seizures. Suggestion: It is hoped that officers can provide information from services to families in the form of communication and education so that families can overcome anxiety in an adaptive way so as to reduce anxiety levels.

In today's era and the changing and needs regarding a good health system, health insurance has a very important role in supporting universal access to health services and protecting individuals and families from unexpected financial risks. Thus, this research aims as an educational material for the wider community, especially in Indonesia, which is actually in dire need of health insurance but still in doubt about its benefits and financial value. In this research, the author uses a qualitative research approach in the form of a library study (Library Research). The result of this research is that Simas Sehat Gold Insurance for customers has many benefits including: (1) Customers can already enjoy a cashless system. (2) Customers under the age of 50 do not need a medical examination. (3) Simas Sehat Gold Insurance can be paid in installments per month through a Visa or Mastercard credit card. (4) There is free personal accident insurance worth Rp 10 Million. (5) There are emergency medical evacuation guarantees around the world. And the advantages of Simas Sehat Gold insurance products include using a cashless system and products from PT. Sinar Mas Insurance has a wider range of hospital providers or partners so that customers are easier to find and receive by the hospital.

Knowledge of the rights and obligations of the community as consumers to receive professional healthcare services is increasing. Therefore, companies in the service sector continue to improve the quality of services for consumers with the aim of creating user satisfaction. One of them is the Regional General Hospital, which becomes the choice for the wider community because it is cheaper compared to private hospitals. Even though sometimes the service is less satisfactory. This research was conducted in April - May 2015 in the Obstetrics Inpatient Room of Wijaya Kusuma Hospital, Dr. Drajat Prawiranegara Regional General Hospital, Serang. This research is a quantitative descriptive study using a cross-sectional approach with accidental sampling technique that meets the inclusion criteria. The results of this study are from 155 respondents, 54.8% assessed the quality of obstetric services in the obstetrics inpatient ward of RS Dr. Drajat Prawiranegara as not good. Descriptive analysis results show respondents are aged between 20-30 years (55.5%), have a low level of education (54.8%), do not work (56.1%), use costs from government/private insurance (81.9%), and have a new patient status (69.7%). The conclusion of this study is that there are significant factors related to the assessment of the quality of obstetric services, namely the source of cost (p=0.031), while factors that are not related are age (p=0.219), education (p=1.000), occupation (p=0.218), and patient status (p=0.25). There is one factor that has the most influence on the assessment of the quality of obstetric services based on multivariate analysis, namely the source of cost with an exp (B) value of 0.339.

Satisfaction is an indicator used in determining the standard of a health facility. The quality of a service is closely related to customer satisfaction, this happens because service quality can create a good relationship between consumers and an agency, in the long run this relationship can make agencies understand how to meet consumer needs. The purpose of this study was to describe the level of satisfaction with BPJS patients' health services at Primary clinics in 2023. This research is descriptive in nature, with a cross-sectional design. The research population is unknown where a sample of 45 people, and taken based on purposive sampling techniques. Data collection was carried out directly to respondents using interview techniques. The results showed that the satisfaction level of Primary clinic users was very satisfied by 62.2%, satisfied by 20.0% while quite satisfied by 2.2% was dissatisfied15.6 It is hoped that the Primary clinic can further improve the quality of service quality by providing enough doctor time and nurses serving patients.

The health Social Security Administering Agency (BPJS) is a legal entity specifically assigned by the government to administer social security. Seen in the vision and mission of the Long Term Develompment Plan For the Health Sector 2005-2025, namely that the community is expacted to have the ability to access quality health services and also obtain heald insurance, namely that the community gets protection in meeting their basic health needs. Especially for the people of Binjai city, to see the level of satisfaction of peolbe using BPJS Health in the city of Binjai, it is necessary to build a clustering that can group the level of satisfaction in each domicile. Data Mining Grouping using the K-Menas Clustering algoritma metdhod, which is a process of processing quite large amounts of data using statistical methods, this producing a group of data. It is hoped that clustering can complete the grouping of satisfaction levels of BPJS user commuites in the city of Binjai. There are 400 data from correspondent responses from the community regarding the level of satisfaction in using BPJS Health in the city of Binjai. From the results of trials with 400 data carried out with MATLAB, it was found that group 3, cluster 1, had 244 data, cluster 2 had 69 data, cluster 3 had 87 data, group 4 cluster 1 has 78 data, cluster 2 68 data, cluster 3 has 109 data, group 5 cluster 1 has 63 data, cluster 2 has 63 data, cluster 3 has 145 data, cluster 4 has 24 data, cluster 5 has 100 data.

The Covid-19 pandemic has had a huge impact on the tourism sector. Private business entity workers are one of the segments in JKN participation affected by the Covid-19 pandemic.Research is a qualitative research that aims to explore information about the sustainability of the JKN program for private workers during the Covid-19 pandemic.Variables are explored regarding attitudes towards JKN contributions, attitudes towards health care facilities, attitudes towards BPJS Kesehatan and perceived of behavior control. Data collection was carried out by conducting indepth interviews with 2 people who were representatives of 2 private business entities appointed to manage JKN participation for workers.