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The insurance business within an insurance company offers insurance products owned by the insurance company. In every insurance product there is a premium payment and the premium is the income of an insurance company at the rate of the amount insured. The problem that PT BNI Life Insurance has is that there are many stops in premium payments such as policy redemptions due to errors in the benefits received or incorrect selection of the insurance product, this can reduce the achievement of targets for an insurance company. The aim of this research is to find out the best classification algorithm compared between K-Nearest Neighbor and Naive Bayes to predict the type of insurance product that customers will choose. In this research, data mining methods are applied to compare two different methods, namely the K-Nearest Neighbor method and the Naïve Bayes method. The level of accuracy results for the K-Nearest Neighbor method is 80% and the Naïve Bayes method is 70.53%, which means that the K-Nearest Neighbor method is the best method to apply to an insurance product classification system based on the demographics of prospective customers.

Entrepreneurship is strongly being touted as the way out of underdevelopment in low income countries. Joblessness, poverty and social instability are some of the main issues that have haunted least developed countries since the end of colonialism, however, political independence without economic freedom is not freedom at all. There are fears that nations may fail due to underdevelopment and high levels of unemployment. Studies have been conducted elsewhere and in Malawi too about how the SMEs sector has been performing over the years and results show that the performance has not been encouraging at all. Nevertheless, the search still is on regarding how best developing countries in general and Malawi in particular can utilise the models such entrepreneurial ecosystems that are working well in developed economies to try to change the local fortunes. The findings of the studies done locally compared to those done in developed economies have shown that Malawi is not doing well at all more especially policy wise. The Government is supporting MSMEs wholesale without properly scrutinizing the business that are high growth oriented because it lacks such a policy. The study based on literature review hence recommends appropriate steps that can address the lack of positive dividends from the funds that are being invested in these underachieving MSMEs.

This study aims to investigate the impact of institutional ownership on company financial performance through qualitative research methods with a literature study approach. Institutional ownership, which involves entities such as investment companies, pension funds, and insurance funds owning shares in the company, is considered a crucial mechanism in corporate governance. Through a comprehensive review of various sources such as journals, books, and research reports, this study conducts a qualitative analysis to explore the complex relationship between institutional ownership and corporate financial performance. Findings from the literature highlight that this relationship is influenced by a variety of factors, including firm characteristics, other ownership structures, macroeconomic conditions, and management strategies. This research not only provides in-depth insights into the implications of institutional ownership for corporate governance, but also provides practical recommendations for companies, investors, and policymakers.

The principal's policy in improving administrative services aims to create an efficient and effective school environment. The principal's policy in improving administrative services is a systematic effort to improve and increase the efficiency and effectiveness of administrative services in the school environment. This involves developing procedures, empowering staff, investing in technology, and implementing good management principles. This research uses a qualitative descriptive approach, collecting data through observation, interviews and documentation. The collected data was analyzed through a process of data reduction, presentation and drawing conclusions. The research findings show that the principal's policy in improving services is to carry out open communication both formally and informally. And another thing that supports improving administrative services is good human resources. The first obstacle is limited education funds, namely that it is difficult to provide facilities in the administration department, such as broken computers at school, and the second obstacle is poor discipline of teachers and staff, which is the cause of services at SMA Negeri 4 Merangin decreasing or not being good. And the solution to overcoming obstacles is maximizing funds, namely the principal makes a report first to the department or center, if there is not yet a principal, calls a meeting between the deputy and the treasurer to discuss together, and the second solution regarding discipline is that the principal tries to be an example or role model. first of all towards teachers, staff and students at the school, apart from that the principal will be strict with school members who violate it by calling them immediately to the office and asking for information after which they will be given sanctions.

This research aims to describe the process of receiving and recording cash sales at PT. Arjuna Utama Chemistry. With the Independent Learning Campus (MBKM) policy from the Ministry of Education and Culture, Trunojoyo Madura University is holding an industrial internship program that provides students with direct experience in the world of work. This report provides an overview of the stages of cash receipt and recording, as well as the importance of the reconciliation and reporting process in maintaining the accuracy and transparency of the company's finances.

This research is motivated by the leader's ability to make decisions in the field of education at SD Negeri 083 Pidoli and non-education at the Naposo Nauli Bulung Association, Pidoli Lombang Village. This research aims to see the difference between decision making in an educational environment and decision making in a non-educational environment in terms of the decision making process and the type of decision making. This research uses a descriptive method with a qualitative approach. This research data collection technique uses observation, interview and documentation techniques. The results of this research show that 1) there is a difference between decision making in the educational environment and non-educational decision making, the difference being that in the educational sphere the decision making made by the school principal is guided by government policy, while decision making in the non-educational environment is not guided by the government but is not violate government legal regulations. 2) supporting factors in decision making in both educational and non-educational environments are the commitment of all decision makers and users, support and cooperation as supporters. Meanwhile, the inhibiting factors are the indifference of fellow members in the decisions made and in terms of costs that do not support the decisions/programs made.  

This paper discusses the education policies of the Old Order government and their influence on Islamic education in Indonesia. This paper aims to find out in depth about the Old Order government, the education policies of the Old Order government and the influence of Old Order education policies on Islamic education in Indonesia. During the Old Order era, Islamic education began to be fought for reform with the publication of various policies regarding the improvement of Islamic education, including compulsory Madrasah Learning (MWB). Indonesia became independent from Dutch colonial rule on August 17, 1945. The period of President Soekarno's reign, which spanned from 1945 to 1966, was referred to as the Old Order to differentiate it from the subsequent Order led by President Soeharto. In particular, the Old Order government's policy of paying attention to Islamic boarding schools and madrasas only began when the Central Indonesian National Committee Working Body (BP KNIP) 22 on December 27 1945 submitted recommendations to the government. The aim of this research is to understand the concept of government during the Old Order, and its influence on education in Indonesia. The research method used is a basic theory method that uses data from materials that are library research, where the author reads and studies books or literature related to the problem being studied. Regardless of the aspect The positive and negative sides of all the policies issued, it can be said that the development of madrasas is a brave effort by Islamic education to maintain its existence and identity while metamorphosing with the times.    

The aim of this research is to determine the effect of MSME credit and government assistance on MSME growth and reducing poverty rates in Balikpapan City. The analytical tool used is path analysis. Path analysis is an analytical method used in research to test the influence of independent variables on dependent variables, including indirect influences through mediating intervening variables. This method is more complex than ordinary regression analysis and requires in-depth understanding. The analysis application used in this research is the SPSS v25 application. The results of research on the provision of banking credit on the growth of MSMEs in Balikpapan City have a positive and significant effect. It can be concluded that banking in Balikpapan City can grow and develop MSMEs in Balikpapan City. Providing Bank Credit to Poverty Alleviation has no direct and insignificant effect, this means that the contribution of providing credit cannot necessarily reduce the poverty rate in Balikpapan City. The Balikpapan City Government's assistance for the growth of MSMEs is positive and significant, this means that the assistance is very effective in directly developing the growth of MSMEs in Balikpapan City. Balikpapan City Government's assistance to the poverty level in Balikpapan City is negative and significant. It can be concluded that the Balikpapan City Government's policy instrument by providing assistance to MSMEs will be able to reduce the poverty rate in Balikpapan City. It can be concluded that the growth of MSMEs in Balikpapan City has a negative effect on reducing the poverty rate, meaning that the more MSMEs grow, the poverty rate will decrease.

One of the most difficult issues for a country to avoid is reducing the unemployment rate, and this problem is often referred to as a multidimensional issue. Unemployment serves as a starting point for other social problems, such as criminal activity and other economic issues. A low unemployment rate reflects an improving standard of living for the population. Therefore, government policies are needed not only from a micro perspective but also from a macro perspective, considering the dynamic inflation rate. This report is used to analyze the dynamic relationship between inflation and the unemployment rate in Indonesia during the period 2019 - 2023. This period has caused a rather complex economic disruption, so the inflation-unemployment relationship may differ from classical economic theory. This study also compares the effectiveness of the Phillips curve on government policy. The data used are secondary data from the Central Statistics Agency (BPS), including the inflation rate and the open unemployment rate. The method of analysis used is descriptive quantitative. The research results show that there is a negative relationship between inflation and the unemployment rate in Indonesia during the period 2019 - 2023. This means that when inflation increases, the unemployment rate decreases, and vice versa. However, based on current real conditions, they are now aligned. Government policies aimed at controlling inflation need to consider their impact on the unemployment rate.

In the era of globalization and increasingly fierce economic competition, industrialization has become the main pillar in efforts to increase a country's competitiveness and economic growth. In Indonesia, strengthening industrialization does not only aim to increase production and exports, but must also be directed at sustainable investment that pays attention to environmental, social and governance (ESG) aspects. This research aims to analyze the strategies and policies needed to strengthen industrialization within the framework of sustainable investment in Indonesia. Through a qualitative approach with policy analysis and case studies of key industries, it was found that the integration of sustainability principles in industry can increase efficiency, reduce environmental impacts, and provide broader social benefits. In addition, government support through appropriate regulations, fiscal incentives, and increasing human resource capacity are key factors in realizing sustainable industrialization. It is hoped that the results of this research can be a reference for policy makers, industry players and investors in designing and implementing investments that support economic growth while maintaining environmental sustainability and social welfare.  

The aim of this research is to discuss innovation in marketing management of village Micro, Small and Medium Enterprises through social customer relationship management (SCRM), digitalization and technological guidance assistance. The method used is a systematic literature review method. Systematic literature reviews are used for the process of identifying, evaluating and interpreting research results relevant to research objectives that include research questions, topic areas and related phenomena. One of the main reasons for conducting qualitative research is because the research is exploratory in nature. Based on the discussion above, it can be concluded that social customer relationship management is defined as a business philosophy and strategy, supported by technology platforms, business rules, processes and social characteristics, which are designed to involve customers in collaborative conversations to deliver mutually beneficial value in a trusted and transparent business environment. Micro, small and medium enterprises need to maintain good relationships with customers and increase their loyalty through knowledge and fulfilling customer needs quickly and precisely. One of the keys for micro, small and medium enterprises to survive in today's competitive business world is through business digitalization, where micro, small and medium enterprises can take advantage of this to develop business performance. Government policy in the form of technical guidance training in the form of training for micro, small and medium enterprises is expected to strengthen the relationship between entrepreneurial marketing and marketing performance.

          This research explains that land and building tax (PBB) is a crucial fiscal instrument in the global taxation system, with the aim of supporting government spending on public services, regulating land use, and potentially as a redistribution tool. This article addresses the fundamental ideas, goals, and effects of PBB in Indonesia, highlighting its important role in financing national development. The discussion involves aspects of billing, the basis of collection, the collection system, payment procedures, as well as the taxpayer's right to object and appeal. Emphasis is given to key principles, such as openness, fairness, legal certainty, and public participation in the implementation of PBB. Although PBB contributes significantly to economic development, the article also identifies several critical issues, including property value assessment, social inequality, and economic effects that must be taken into account while managing a just and effective tax system. This article offers a thorough analysis of the PBB as a tool for policy that is essential to the welfare of society and the growth of the nation.

This research discusses efforts to develop Metro City as a city of the future, focusing on the successful integration of the Trans Sumatra Toll Exit in Batanghari Ogan. In the context of development, emphasis is placed on the importance of green open space areas to make Metro City beautiful and act as a model for the autonomy of other cities. Through a literature review, relevant research includes analysis of regional economic regulations and the role of regional government policies in development, with examples of scientific journals that support business contributions to regional income. Although the results of previous research already exist, this research more specifically explores the economic policies of the Metro City regional government regarding the management of Nuwo Intan business locations in 2018. The nature of this research is descriptive and qualitative, using qualitative analysis to describe the phenomenon and influence of the Metro City Regional Government's economic policies on street vendors' income in Nuwo Intan.    

This study aims to examine capital structure, profitability and dividend policy on firm value. This study used a sample of mining companies listed on the Indonesia Stock Exchange for the 2020-2022 period. This sampling method is using purposive sampling. Based on predetermined criteria, a sample of 17 companies was obtained. This research was conducted with a period of 3 years, bringing the total sample to 51 companies. The type of data used is secondary data taken from the company's financial statements. The analysis technique used in this study is multiple linear regression using the SPSS 26 application program. The results show that capital structure (DER) has no effect on firm value (PBV), while profitability (ROA) has a significant positive effect on firm value (PBV). And dividend policy (DPR) has a significant positive effect on firm value (PBV).    

This study investigates the influence of digital transformation on the growth and competitiveness of small and medium enterprises (SMEs) in emerging economies. Using a mixed-method approach, the research explores how digital tools improve operational efficiency, market access, and customer engagement. Findings highlight that while digital adoption increases profitability, challenges such as technological gaps and regulatory barriers persist. The study offers practical recommendations for policymakers and business owners to enhance digital readiness.

This paper explores sustainable tourism practices in Southeast Asia, focusing on the interplay between economic growth and environmental conservation. The study employs a case study approach to assess the effectiveness of eco-tourism initiatives in Thailand, Indonesia, and Malaysia. Findings indicate that community-based tourism and stringent environmental regulations are key to achieving sustainability. Policy implications for governments and industry stakeholders are discussed.

This paper explores sustainable tourism practices in Southeast Asia, focusing on the interplay between economic growth and environmental conservation. The study employs a case study approach to assess the effectiveness of eco-tourism initiatives in Thailand, Indonesia, and Malaysia. Findings indicate that community-based tourism and stringent environmental regulations are key to achieving sustainability. Policy implications for government and industry stakeholders are discussed.

The rapid adoption of artificial intelligence (AI) in e-commerce is revolutionizing the business landscape. This study explores the rise of AI-powered e-commerce and its impact on business models, strategies, and market dynamics in 2024. Through a multiple case study approach, focusing on leading e-commerce companies such as Amazon, Alibaba, and Shopee, the research reveals that AI is fundamentally transforming the way businesses operate in the digital economy. AI enables enhanced personalization, operational efficiency, and improved customer experiences, driving the emergence of new business models and competitive advantages. However, the adoption of AI also creates significant challenges, including implications for the workforce, ethical concerns surrounding data privacy and algorithmic bias, and potential impacts on market dynamics and competition. The study highlights the need for a strategic and ethical approach to AI adoption, collaboration among stakeholders, and adaptive regulatory frameworks. It concludes with recommendations for businesses, policymakers, and future research to navigate the transformative impact of AI in e-commerce. The findings contribute to the literature on digital transformation and disruptive innovation, offering valuable insights for managers, practitioners, and researchers.

In order to better understand the complex links between infrastructure development, education, tourism, agriculture, and regional economic growth in Indonesia, this study uses structural equation modeling with partial least squares, or SEM-PLS. The research makes use of a 287-observation dataset and applies rigorous measurement model evaluation, bootstrapping analysis, structural model estimation, and model validation against multiple fit indices. The results show a strong positive correlation between each sector—agriculture, tourism, education, and infrastructure development—and regional economic expansion. The necessity for comprehensive, integrated development strategies is highlighted by the interconnectedness of these interactions. In order to promote balanced and resilient regional economic growth, the findings provide policymakers with useful insights and highlight the significance of ongoing investments in infrastructure, education, and sustainable tourism and agricultural practices.    

The rapid pace of digital transformation presents both challenges and opportunities for Small and Medium Enterprises (SMEs) in Indonesia. This paper explores how SMEs are adapting to digital change, highlighting the main barriers and enabling factors affecting their growth. Through qualitative interviews with SME owners across Indonesia, the study uncovers key themes around technological adoption, financial investment, and skill gaps. The findings suggest that while digital adoption can enhance competitiveness and efficiency, SMEs require support in terms of digital literacy and funding access. Policy recommendations include enhancing government support, providing digital training programs, and offering incentives for digital investments.