This article aims to analyze the strategies of reward and punishment in enhancing the motivation and performance of agents at PT Asuransi Jiwa Sequis Life Medan Branch. This study employs a quantitative approach with a survey method. Data were collected through questionnaires distributed to 50 insurance agents working at the Medan branch. Data analysis was conducted using descriptive and inferential statistics. The findings indicate that the reward strategies implemented by the company, such as recognition and bonuses, positively impact the improvement of agents' motivation and performance. On the other hand, the application of punishment strategies, such as sanctions or incentive reductions, has also proven effective in improving discipline and performance. Overall, the combination of reward and punishment strategies significantly enhances the motivation and performance of agents at PT Asuransi Jiwa Sequis Life Medan Branch.

This research explores an in-depth understanding of how society responds to insurance policy analysis in non-bank financial institutions through a phenomenological approach. The findings show that limited financial literacy is the main challenge in understanding the complexity of insurance products outside of banking. The influence of personal experience, cultural values, and risk perceptions also shape people's perceptions of the value of insurance. Additionally, variations in participation levels and decision-making patterns were also revealed, weakening the understanding of risk levels. These financial literacy challenges cause chaos and confusion, hindering public participation in insurance products at non-bank financial institutions. Efforts to improve financial literacy and increase understanding of insurance claims are crucial to stimulate optimal community participation. The application of insurance remains relevant in helping people overcome financial problems due to unexpected events, building trust, and creating economic stability in the context of non-bank financial institutions.

The purpose of this study is to find out how the implementation of the E-Planning application in the Regional Development Planning Agency (BAPPEDA) of North Sumatra, the obstacles in implementing the e-planning system. This type of research is a qualitative descriptive study using interviews in data collection. The research method used in this study uses a qualitative research type with locations in North Sumatra BAPPEDA. The methods used are observation, interviews, and documentation. The results of the study show that in practice the implementation of the e-planning system has been carried out well, but there are several obstacles, namely, human resources that are not evenly distributed in regional development planning, inconsistency in development planning due to political pressure and frequent changes that occur. The way for North Sumatra BAPPEDA to overcome these obstacles is by conducting training, implementing e-planning and following changes quickly and precisely.

The Role of Leadership in Improving Employee Performance is very important in improving employee performance in an organization or company. Everything related to the progress and success of an organization can only be carried out by the intervention or ideas of a leader. The role of a leader can be known through his success in achieving organizational goals.Work motivation: basically motivation is more focused on how to arouse the desire in an employee to want to work productively for the sake of create what has been set. Supardi and Anwar (2004:47) say that 'Motivation is a state in a person's personality that drives an individual's desire to carry out certain activities to achieve goals.Performance: is the result of work achieved by a person based on the responsibilities given to him good performance is important for the company and the employees themselves. Increased employee performance can be used as a consideration for companies to develop human resources and by increasing employee performance, it will also have an impact on company stability in the process of achieving set goals. Good performance achievement must be supported by employees who have high work motivation and discipline to improve the abilities of these employees. So that employees will be able to work according to the skills and abilities they have and produce satisfactory performance for the company. For this reason, work motivation and work discipline have a close bond with the performance of employees in a company or organization.
 

A small cassava chip business is a household business that produces snacks made from special cassava snacks. The single most important factor influencing the performance of small businesses in Singapore is their marketing strategy, which takes into account their products, prices, promotions and distribution locations. This research was conducted in the small business community of Bandar Khalipah Village in Percut Sei Tuan district. The purpose of this study was to understand the mix marketing strategies used by the Singapore government. Descriptive qualitative, data collection techniques with notes, and documentation are the methods used for analysis.  Research results 1) the marketing mix strategy used by small businesses in Singapore is a product made with good quality materials, good quantity, has a handle, and is wrapped in plastic. The quoted price is equal to the price. The traditional promotional method still used in Cassava Chips is "lewd mouth to mouth" and "place/distribution channel" is "products marketed slim in the place of production then exist" i.e. "channeled to consumers" through "wholesalers". 2) Product and price are internal determining factors. Externally influenced factors include increased sales during peak hours, while internally influenced factors include sluggish production and promotion locations. External factors that become obstacles include business competitors and seasonal raw materials.