Indonesian Scholar Journal of Business Economic & Management Science (ISJBEMS)

Peran Ekonomi pada Aspek Pengambilan Keputusan Konsumen terkait Pembayaran dalam Sistem BPJS: Tinjauan Sistematis Literatur

2024-01-23T10:04:39+07:00

Introduction: Health insurance plays a crucial role in managing health risks and financial losses, as well as reducing vulnerability to poverty. In Indonesia, the development of health insurance is carried out through a healthcare system that mandates contributions from those who can afford it and provides assistance to those who cannot. One of the introduced health insurance programs is the National Health Assurance (JKN) provided by BPJS. This study aims to conduct a systematic literature review on the role of economics in consumer decision making regarding payments within the BPJS system.

Methods: Inclusion criteria were used to select relevant studies on the research topic. Searches were conducted through the Pubmed, ScienceDirect, and Scopus databases using appropriate keywords. The selected studies meeting the inclusion criteria were evaluated and their results were extracted for analysis.

Results: The study's selection process yielded five studies that met the inclusion criteria. These studies revealed that factors such as health conditions, family and friends, knowledge, experience, gender, education, occupation, income, location, family size, understanding of health insurance, accessibility and quality of healthcare services, and administrative procedures influence membership and participation in the JKN program. Proposed recommendations include involving local or influential leaders, effective socialization, progressive premium adjustments, targeted subsidy strategies, convenient premium payment methods, and enhancing understanding of health insurance benefits.

Conclusion: The study concludes that membership and participation in the JKN program are influenced by various factors. Efforts involving local or influential leaders, effective socialization, progressive premium adjustments, targeted subsidy strategies, and convenient premium payment methods are needed to improve membership and participation rates. Additionally, the ability and willingness of informal sector workers to pay should also be considered. All these efforts aim to enhance Universal Health Coverage (UHC) and protect society comprehensively.

Strategi Pemasaran dalam Bisnis Waralaba

2024-01-23T13:33:25+07:00

Introduction: Facing competitive market challenges, franchise businesses must develop innovative marketing strategies and consistent brand management. This review discusses the essence of marketing strategies in the franchise business, emphasizing technological adaptation, personalized offerings, loyalty programs, big data utilization, strategic collaborations, and crafting unique customer experiences.

Methods: A literature review was conducted to analyze relevant sources concerning values, culture, and norms in the examined social context. Document searches were performed via Google Scholar using the keywords "(Franchise) AND (Marketing)”.

Results: Innovative franchise marketing strategies involve technological adaptation, personalized offerings, loyalty programs, big data utilization, strategic collaborations, and the creation of unique customer experiences

Conclusion: Brand consistency is key, supporting strong brand recognition, building customer trust, preventing confusion, achieving cost efficiency, and facilitating integrated marketing campaigns.

Perkembangan Uang sebagai Alat Pembayaran dan Peran Bank Berdasarkan Regulasi di Indonesia: Tinjauan Pustaka

2024-01-23T13:37:51+07:00

Introduction: The development of money as a payment instrument and the role of banks are crucial aspects in Indonesia's economic system. Money has replaced the barter system and serves as a medium of exchange and payment. Banks, especially commercial banks, form the core of the financial system, providing various services and acting as intermediaries for funds.

Methods: This study adopts a literature review method, a theoretical approach that references relevant sources related to values, culture, and norms within the studied society. The method does not involve field data collection but rather analyzes scholarly literature such as books, journals, and other documents. The keywords "sejarah uang di dunia" dan "fungsi bank di Indonesia" were used to search for sources on Google Scholar, serving as references for defining money and banks.

Results: The history of money shows its evolution from commodity money to paper and digital money. Money functions as a medium of exchange in the economy, facilitating the exchange of goods and services. Commercial banks play a complex role, including creating digital money and acting as financial intermediaries for society. Commercial banks have the primary functions of collecting and channeling public funds, providing various facilities and services to the public. They also play a role in facilitating international transactions and safeguarding valuable items. The future of money and banks will face challenges in technology, financial security, regulations, as well as opportunities for financial inclusion and innovation. Banks need to innovate, improve services, and maintain integrity to create an inclusive, secure, and sustainable future.

Conclusion: The development and evolution of money as a payment instrument and the role of banks in Indonesia have been significant. Commercial banks have complex functions within the financial system and society. The future of money and banks requires adjustments to address existing challenges and opportunities, aiming for a better future.

Praktik Skema Ponzi sebagai Investasi Bodong di Indonesia: Tinjauan Pustaka

2024-01-23T13:42:12+07:00

Introduction: The Ponzi scheme is a type of financial fraud with promises of high returns, first introduced by Charles Ponzi in the 1920s. In Indonesia, Ponzi schemes are still prevalent, and many people are unaware of their dangers. Unlike multi-level marketing (MLM), this scheme focuses solely on recruiting new members without selling any products or services.

Methods: This research employs a literature review method by referencing relevant sources. The utilized sources include the Google Scholar database with the keywords "Ponzi Scheme in Indonesia."

Results: The Ponzi scheme is an illegal investment scheme that promises false profits to new investors using the money from previous investors. Some examples of cases in Indonesia include First Travel, MeMiles, Dream for Freedom (D4F), Sunmod Alkes, and Binomo. Regulation regarding Ponzi schemes in Indonesia is not comprehensive enough, necessitating more stringent laws and public education. Future Ponzi schemes are becoming increasingly complex and challenging to identify. The Indonesian Financial Services Authority (OJK) must enhance monitoring and supervision capabilities over investment entities. Educating the public and the younger generation about safe and legitimate investments is also crucial in reducing Ponzi scheme practices.

Conclusion: The Ponzi scheme remains a deceitful illegal investment promising high returns and continues to pose a challenge in the future. Implementing stricter regulations and educating the public and younger generation are essential steps to mitigate Ponzi scheme practices and protect society from illegal investment losses.

Digital Marketing pada Pelayanan Kesehatan Rumah Sakit

2024-01-23T13:45:34+07:00

Introduction: This research examines the role of digital marketing in improving hospital health services in the digital era. By detailing the basic concepts, strategies, and their influence on patient perceptions, this research focuses on reference sources that guide the implementation of digital marketing to achieve efficiency and effectiveness in health services.

Methods: The literature study method was used to explore relevant reference sources in the context of hospital marketing through digital marketing. Analysis was carried out on the basic concepts of digital marketing, strategies and tactics applied, as well as their impact on patient perceptions.

Results: Implementing digital marketing opens up opportunities for hospitals to reach audiences efficiently and effectively via the Internet, social media, mobile applications and email. A detailed strategy, involving understanding the target audience and using SMART goals, is the key to success. Its impact on patient perception indicates increased trust through clear presentation of information and direct interaction. Although opportunities such as building a brand image and increasing patient satisfaction are visible, it is important to remember that the implementation of digital marketing has limitations, especially related to referral and general services that are less suitable for digital marketing campaigns.

Conclusion: This research concludes that a deep understanding of the concept and implementation of digital marketing allows hospitals to utilize this potential to improve the quality of health services in the digital era. Challenges such as online review management and service consistency can be overcome with a well-thought-out strategy. However, it is important to remember that digital marketing is not a universal solution, especially for referral and general services that do not always fit this approach.