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Digital transformation in healthcare services is a strategic approach to improve access, efficiency, and service quality, particularly within Indonesia’s National Health Insurance (JKN) system. BPJS Kesehatan has introduced an online queue feature through the Mobile JKN application to minimize manual queuing and reduce waiting times in outpatient services. However, despite the widespread ownership of the application, its actual utilization for online queuing remains relatively low, including in a regional public hospital (RSUD) in West Bandung. This condition reflects a gap between the availability of digital health technology and patients’ actual usage behavior, highlighting the need to examine factors influencing adoption.This study aims to analyze the effects of perceived ease of use, social influence, and facilitating conditions on the actual use of the Mobile JKN online queue, with behavioral intention as an intervening variable among outpatients. A quantitative cross-sectional design was applied, involving 255 JKN outpatient participants selected through purposive sampling. Data were collected using structured questionnaires and analyzed using Structural Equation Modeling (SEM) with AMOS version 24, based on the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT). Data analysis included descriptive statistics, validity and reliability testing, normality assessment, goodness-of-fit evaluation, Three Box Method, and hypothesis testing.

This research evaluates the effectiveness of human capital development policies in Indonesia within the education and health sectors during the periods of 2015–2019 and 2020–2024. The analysis focuses on strategic programs implemented by the Ministry of Education and Culture and the Ministry of Health by comparing planned targets with the realization of performance indicators as stated in the Strategic Plan (Renstra) documents. The study employs a qualitative evaluative approach supported by descriptive quantitative data derived from official planning and performance reports. The findings indicate that during the 2015–2019 period, programs emphasizing the expansion of basic education and health services were relatively effective in increasing participation rates and improving equitable access. In contrast, programs aimed at enhancing the quality of human resources, particularly teacher development and institutional capacity building, showed lower levels of effectiveness due to weak performance measurement systems and inconsistent data reporting. During the 2020–2024 period, the effectiveness of most education and health programs declined significantly as a result of external shocks caused by the COVID-19 pandemic. However, health programs with strong financial protection mechanisms, such as the National Health Insurance (JKN), demonstrated greater resilience compared to other programs. The study concludes that the effectiveness of human capital development policies is strongly influenced by the clarity of performance indicators, consistency in program implementation, institutional capacity, and the ability of policies to adapt to external disruptions.

Regional economic development requires understanding the structure and performance of economic sectors to create effective policies. PadangiCity, the capital of West SumatraiProvince, plays a strategic role in the regional economy. However, differences in sector contributions and growth indicate structural imbalances that need attention. This studyiaims to identify leading and potential economic sectors in Padang City to support sustainable development planning. The study uses Location Quotient (LQ), iDynamic Location Quotient (DLQ), and the Growth Ratio Model (GRM) to analyze secondary data on GrossiRegional Domestic Product (GRDP) at constant 2010 prices from 2020 to 2024, sourced from the CentraliBureau of Statistics of Padang City and West Sumatra Province. LQ results show that most sectors in Padang City are base sectors, especially business services, transportation and warehousing, ifinancial and insurance services, real estate, and wholesale and retail trade. DLQ analysis indicates that mining and quarrying, trade, transportation and warehousing, iinformation and communication, and health and social services have higher growth prospects than the reference region. GRM results show that trade, information andicommunication, real estate, health services, andiother services are leading sectors with good performance and growth potential. In contrast, agriculture, manufacturing, and construction are still lagging sectors. These findings highlight a structural shift in Padang City’s economy toward service-sector dominance and underline the need for sustainable, inclusive, and adaptive development policies to support long-term economic growth.

This study investigates the optimization of claims under the Indonesian Case-Based Groups (INA-CBGs) payment mechanism within the National Health Insurance Program (Jaminan Kesehatan Nasional) at Hospital X in Serang. The research aims to analyze the influence of managerial competence, digital adoption, and organizational behavior on claim effectiveness, with policy implementation serving as a moderating variable. Employing a quantitative explanatory approach, data were collected from 144 respondents comprising management staff, casemix teams, and medical record officers through questionnaires and structured interviews. Structural Equation Modeling–Partial Least Square (SEM-PLS) was applied to examine the relationships among variables. Findings reveal that managerial competence, digital adoption, and organizational behavior significantly and positively affect the optimization of INA-CBGs claims. Furthermore, the implementation of the National Health Insurance Program policy strengthens these relationships, enhancing claim efficiency and equity. The results align with the Resource-Based View theory, highlighting the strategic role of internal resources in achieving organizational performance. Managerial implications include capacity building for managers, integration of hospital information systems (SIMRS) with e-Claim platforms, and fostering collaborative organizational culture. Overall, the study underscores the importance of managerial, technological, and behavioral factors, moderated by policy implementation, in improving hospital claim optimization under the INA-CBGs system.

The biggest challenge faced by the community, especially vulnerable and poor groups, is the cost of managing chronic diseases. Even though there is national health insurance, non-medical costs, costs arising from self-medication, and limitations on certain benefits are still often obstacles that cause high out-of-pocket expenses for the community. The high costs of curative and rehabilitative care indicate that preventive and promotive efforts must be significantly improved, and one way to support the sustainability of these efforts is through a pre-emptive health financing scheme. Community service activities are carried out using a participatory approach so that community members are actively involved in the activities. The activities are carried out in three stages, that is preparation or needs identification, implementation and evaluation. The results of the activity show that the community's knowledge increased significantly because of the community service activity. Participants who took part in the activity also successfully designed a community-based financing scheme involving health savings, whereby each member makes agreed monthly contributions. This community service project demonstrates that community empowerment through the establishment of a pre-emptive financing scheme for chronic diseases can provide an effective, sustainable solution for improving public health.

The prevalence of hypertension in Jambi City has continued to increase over the past five years, including in the Simpang Kawat Community Health Center (Puskesmas Simpang Kawat). Meanwhile, the cost of hypertension care and treatment for the community is relatively high, especially if complications arise and are not covered by insurance, which can lead to catastrophic expenses that weaken households' economic conditions. This community service activity aims to provide education and outreach regarding hypertension and its impact on healthcare costs. Thirty people with hypertension in the Simpang Kawat Community Health Center (Puskesmas Simpang Kawat) participated in the activity. The core activities included providing information about hypertension and its consequences on healthcare costs, anti-hypertension exercises, outreach regarding the risk of catastrophic expenses, and explanations of various government support programs. The results showed that 80% of participants experienced a significant increase in knowledge, and there was a difference in knowledge levels between before and after the implementation of the Community Health Center (PPM) (p=0.000). The government and the Community Health Center are recommended to strengthen campaign efforts to encourage the community to adopt a healthy lifestyle and actively participate in health programs that can help reduce healthcare costs and avoid catastrophic expenses

The National Health Insurance program (JKN) has been in effect in Indonesia since early 2014, administered by the Social Security Administration (BPJS). The purpose of this community service program is to enhance the role of youth in optimizing the use of Mobile JKN and to assist the community in utilizing it. Mobile JKN is an innovation for the community, eliminating the need to wait in long queues at healthcare services. The participants were adolescents, specifically 13 students from MTs. Muhammadiyah Palleko in Takalar Regency. The method used was to provide outreach through presentations on the procedures for using Mobile JKN, followed by discussions to clarify any issues that the students still lacked. The results of this community service program are expected to increase the youth's knowledge of the use and utilization of Mobile JKN as a form of digital health care that can improve the effectiveness of healthcare services, enabling them to become agents of change in the success of the JKN program in Takalar City.

The implementation of Universal Health Coverage (UHC) has become a key priority of the Semarang City Government's policy in achieving equitable and sustainable health insurance. This study aims to evaluate the implementation of the UHC program in Semarang City, focusing on three main aspects: financing, accessibility, and the quality of health services. Additionally, this study examines the effectiveness of the Pangeran Diponegoro Program as a local innovation to accelerate universal coverage achievement. The research employs a mixed-methods approach, with data collected through surveys of 100 respondents, in-depth interviews with policymakers and service providers, and analysis of regional policy documents. The findings show that although UHC membership coverage has reached 99.92%, challenges remain in accessibility and service quality, particularly in the suburban areas and vulnerable populations. The SERVQUAL analysis of service quality shows high scores for empathy and responsiveness but lower scores for reliability and service assurance. The Pangeran Diponegoro Program has proven effective in reaching unregistered groups, but still faces coordination issues between sectors and limited human resources. The study recommends strengthening collaborative governance, improving data verification systems, and developing community-based service innovations to ensure the sustainability of UHC.

Unstable financial conditions in insurance companies can serve as an early indicator of potential bankruptcy, which may have wide-ranging impacts on policyholders, shareholders, and the overall stability of the financial sector. Therefore, early detection of bankruptcy risk is critically important. This study aims to evaluate the effectiveness of the Springate model in identifying potential bankruptcy among insurance companies listed on the Indonesia Stock Exchange during the 2022–2024 period. The Springate model was chosen due to its simplicity and its ability to provide quantitative insights into a company's financial condition. Data were collected from the annual financial statements of 16 companies selected through purposive sampling based on the completeness and consistency of their financial reporting. The model applies the S-Score calculation as the basis for classifying companies into financial distress or non-financial distress categories. The analysis revealed that six companies consistently exhibited signs of financial difficulty, with three of them identified as being in a state of financial distress for three consecutive years. Meanwhile, the other ten companies demonstrated stable and healthy financial conditions throughout the observation period. These findings indicate that the Springate model is reasonably practical as an early detection tool for bankruptcy risk, particularly in the insurance sector, which is influenced by various internal factors such as risk management, as well as external factors like economic fluctuations and government regulations. Therefore, this model can be utilized as a decision-support tool for both management and investors in making strategic financial decisions.

This study aims to analyze the adaptation strategies of Ananda Sehat Karangsono Clinic in facing the competition in healthcare services in the era of the National Health Insurance (JKN). The background of this research is based on the increasingly fierce competition between healthcare facilities, both clinics and hospitals, in providing fast, efficient, and quality services according to JKN standards. The presence of the JKN program, which demands integrated, transparent, and technology-based services, encourages clinics to innovate to remain competitive and maintain operational sustainability. The research method used is descriptive qualitative with data collection techniques through in-depth interviews, participatory observation, and documentation studies. Research informants included clinic leaders, healthcare workers, and administrative staff, thus providing a comprehensive perspective on the implemented adaptation strategies. The results show that Ananda Sehat Karangsono Clinic has integrated digital technologies, such as the Mobile JKN application and WhatsApp, to speed up the registration process, verify patient data, and facilitate communication. This innovation can improve the efficiency of service flows, reduce queues, and create a better service experience for patients. In addition, the clinic emphasizes the importance of patient satisfaction by improving service quality, speed, and friendliness of healthcare workers and support staff. The adaptation strategy implemented was not limited to technological aspects, but also encompassed operational efficiency and humanistic interpersonal services. Overall, the clinic's adaptation strategy was flexible and holistic, encompassing digitalization, strengthening internal management, and developing positive patient relationships. These findings confirm that the clinic was able to maintain competitiveness and service sustainability amidst the dynamics of the National Health Insurance (JKN) and the digitalization of the healthcare system.  

Tritya Eye Clinic Surabaya, as one of the developing eye health service providers today, faces a major challenge in providing optimal services for various patient segments, including BPJS Kesehatan participants, private insurance users, and general patients. Problems that occur with employees at the Tritya Eye Clinic, based on the results of a psychological test on September 9, 2024 on 24 employees, it was found that 22 employees had low/lacking emotional stability, in addition, based on personnel data in 2024, it was found that there were employees who committed violations with one of the causes being emotional stability based on the results of counseling conducted by the Head of HR. From the counseling, it was also found that employees have a desire for their well-being in the workplace, which is a trigger for expectations related to employee well-being and digitalization requires Tritya Eye Clinic to make changes that are expected to simplify work and minimize errors in work. The purpose of this study was to determine the effect of employee well being , emotional intelligence and job simplification on employee performance with employee achievement as an intervening variable on employees of Tritya Eye Clinic Surabaya. This study uses a quantitative method with primary data sources obtained from distributing questionnaires. The population of the study was employees of Tritya Eye Clinic Surabaya. The selection of respondents was carried out using the saturated non-probability sampling method with a total of 67 respondents . The data analysis method used descriptive analysis and SEM-PLS analysis. The results showed that the variables employee well being , emotional intelligence and job simplification had a positive and significant effect on employee performance through employee achievement on employees of Tritya Eye Clinic Surabaya.

This study analyzes the impact of employee welfare on working conditions at PT P, focusing on welfare policies and facilities such as health insurance, employment insurance, on-site clinic services, maternity leave, workload balance, and working hours. Using a qualitative descriptive method, data were collected through interviews and direct observation of several employees. The findings show that company-provided welfare positively influences working conditions. Health facilities and work protection increase employees' sense of security and comfort. In addition, fair working hours, sufficient rest time, and attention to both physical and psychological well-being enhance work motivation and employee loyalty. Employees feel appreciated when the company supports work-life balance, leading to a more productive, harmonious, and low-conflict work environment. The study concludes that employee welfare is a key factor in shaping the quality of the workplace. 

This study aims to analyze the marketing strategies implemented by non-BPJS private hospitals in increasing revenue and competitiveness amidst the dominance of BPJS services in Indonesia. Private hospitals face challenges in attracting patients due to the perception of high service costs and limited public access. However, they have advantages in speed of service, modern facilities, and direct access to specialists. This study uses a literature review method with a content analysis approach to various secondary sources such as scientific journals, industry reports, and policy documents. The results of the study indicate that the implementation of a marketing strategy based on the 7P marketing mix concept (product, price, place, promotion, people, process, physical evidence), digital marketing, and customer relationship management through Customer Relationship Management (CRM) are key to increasing patient attraction and loyalty. Collaboration with private insurance also provides added value through ease of payment and access to premium health services. This study provides recommendations for hospitals in developing adaptive, holistic, and patient satisfaction-oriented marketing strategies.

This research concludes that the Income Level (TPP) received by workers at retirement is only 10% of the last salary obtained from the mandatory pension program, a decrease in income of 90% of the last salary. The monthly living cost needs of retirees in retirement (food, monthly shopping, water costs - electricity, internet, lifestyle, health insurance, etc.) obtained data of IDR 5,600,000, - or equivalent to 56% of the last salary per month. So in actual terms, the level of retirement income (TPP) of retirees in Indonesia there is a gap of IDR 4,600,000, - or 46% less than the last salary per month. This condition causes retirees to fail to maintain their standard of living in old age, in addition to experiencing financial problems in retirement. Factors that affect the amount of a person's TPP consist of: 1) type of work, 2) pension program participated in, 3) length of service and salary amount, 4) investment return rate from the pension program, 5) government regulations, 6) macroeconomic factors and inflation, 7) health conditions of retirees, 8) family responsibilities, and 9) pension fund education determine the size of the level of retirement income. Optimizing private pension funds plays an important role in increasing TPP as a guarantee of income in retirement and creating financial independence in old age, in addition to improving quality of life. For this reason, private pension funds must be managed more optimally to achieve significant investment performance, improve pension fund literacy, target formal and informal workers, and diversify adequate products and services through digitalization of pension fund access and services to encourage significant growth in private pension fund participation.

This study is a qualitative study that aims to analyze the Implementation of Occupational Safety and Health (K3) at PT Dayasa Ayasa Prima. The Data Collection Technique in this Study was Conducted by Interview Method with Subject Employees from PT Dayasa Ayasa Prima. There are Three Aspects That Are the Focus (Scope) in This Study, Including K3 Training, PPE Facilities in the company, K3 guarantees and facilities for employees, and K3 Implementation. The results of this study include: 1. PT Dayasa Ayasa Prima has provided relevant training to employees to understand the importance of occupational safety and health, 2. PT Dayasa Ayasa Prima has complied with legal regulations and principles that require employees to use appropriate personal protective equipment, 3. PT Dayasa Ayasa Prima has implemented social security for employee welfare, including old age security, work accident insurance, death insurance, and health care insurance, and 4. PT Dayasa Ayasa Prima has also implemented an occupational health program that includes regular medical examinations for employees.

This study aims to determine the Effect of Economic Growth and Inflation and Unemployment Rate on the Human Development Index and Poverty in East Kalimantan Province. Inferential data analysis techniques using Partial Least Squares (PLS). The results of the study indicate that the Human Development Index (HDI) has a significant effect on the unemployment rate in East Kalimantan Province, with a probability value smaller than the specified significance level. There are disparities that need to be considered in development in rural areas to ensure equal opportunities for all residents to achieve a better quality of life. Rural areas still face challenges in access to education and health services, as well as regional disparities in development, which need to be addressed through appropriate and sustainable policies. Assistance programs such as Direct Cash Assistance (BLT), National Health Insurance (JKN), and the Family Hope Program (PKH) have helped reduce the burden on the poor by providing access to basic needs. Efforts to improve the quality of education, health, and infrastructure in rural areas are the main focus to create a more prosperous and independent society. Although there has been progress in poverty alleviation, there are still challenges such as regional inequality, quality of education and health, and economic diversification that need to be addressed. Collaboration between the government, private sector, and civil society is needed to create sustainable and effective solutions to overcome poverty in East Kalimantan. Economic growth, inflation, and unemployment rates are interrelated and significantly affect the Human Development Index and poverty rates in East Kalimantan Province. Therefore, comprehensive and sustainable policies are needed to achieve inclusive and equitable development in this region.

Pregnant will experience an increase in blood volume and this causes iron requirements to increase. Iron needs can be met by food consumed daily with the addition of iron supplements and if iron needs are not met it can cause anemia. Anemia in pregnant can increase the risk of premature birth, maternal and child death, and infectious diseases. Anemia can affect the growth and development of the fetus or baby during pregnancy or after. The government's efforts to prevent anemia include improving the quality of health services, financing health insurance, providing 90 blood supplement tablets during pregnancy, and health education about nutrition and preventing anemia. Increasing knowledge is urgently needed to strengthen awareness in increasing knowledge and behavior in preventing anemia in pregnant. One of the efforts made is health education activities regarding the prevention and early detection of anemia in pregnant. The result of this community service activity is that there is an increase in knowledge about anemia in pregnant before and after being given health education

The clinic's process for requesting a consultation with a doctor and receiving a queue number is inefficient. To help patients make the most of their time at the clinic, it is helpful to provide them with information on when physicians will be available to see them. A new approach to health development governance is required under Regulation No. 21 of 2020 of the Republic of Indonesia's Minister of Health, which addresses the Ministry's Strategic Plan for 2020–2024. This plan encompasses health information systems, research integration, and development, among other areas. First, Health Technology Transformation, which includes developing and integrating health data; second, Health Service Application Integration and Development; and third, Health Technology Ecosystem Development, will house the primary activities involved in health technology transformation. This study's findings suggest that consumers are mostly interested in finding hospitals in close proximity to their homes, rather than using the doctor's appointment component of the KlikDokter app. Because of this, KlikDokter has to implement a change movement that can increase the number of health facilities that operate with Klik Doctor, allowing it to reach the closest health facility. It also has to link insurance and BPJS so that health facilities may provide transaction features.

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.

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.