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All Journal JURNAL ILMIAH GLOBAL EDUCATION
Heny Kuswanti Suwarsinah
Sekolah Bisnis dan Institut Pertanian Bogor, Indonesia
Education Languange, Linguistic, Communication & Media Mathematics Other

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Analisis Efisiensi Teknis Program Jaminan Kematian (JKM) Bpjs Ketenagakerjaan Tahun 2020-2024 Rizqi Eka Sukmayasa; Siti Jahroh; Heny Kuswanti Suwarsinah
Jurnal Ilmiah Global Education Vol. 7 No. 2 (2026): JURNAL ILMIAH GLOBAL EDUCATION (In Press)
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v7i2.5924

Abstract

The Social Security Administering Agency (BPJS Ketenagakerjaan) is a public legal entity that administers the employment social security program, with relatively good financial performance in terms of contribution revenue, investment returns, and assets. However, in terms of claims, the Death Benefit Program (JKM) has shown the highest claims ratio compared to other programs over the past five years. In some months, the number of claims paid even exceeded contribution revenue, and there was a downward trend in the program's financial health. This study aims to measure the technical efficiency of JKM implementation for the 2020–2024 period, analyze factors influencing efficiency, and formulate policy recommendations. Fifty-one monthly Decision-Making Units (DMUs) were analyzed using Data Envelopment Analysis (DEA), followed by Tobit regression to identify the determinants of efficiency. The results indicate varying levels of technical efficiency, with 29 of the 51 months experiencing inefficiency. Investment yield, active participant growth, and the claims ratio had a positive and significant impact on efficiency, while the COVID-19 pandemic had no significant impact. Recommendations include strengthening investment management, expanding active participation, and evaluating contribution rates to maintain actuarial adequacy and program sustainability.
Minat Beli Ulang (Winback) Program Bpjs Ketenagakerjaan Bagi Peserta Yang Telah Klaim Jht Trisnal Trisnal; Siti Jahroh; Heny Kuswanti Suwarsinah
Jurnal Ilmiah Global Education Vol. 7 No. 2 (2026): JURNAL ILMIAH GLOBAL EDUCATION (In Press)
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v7i2.5926

Abstract

BPJS Ketenagakerjaan (Employment Social Security Agency) is a social security institution that administers the JKK, JKM, JHT, JP, and JKP programs under Law No. 24 of 2011. The number of registered participants increased from 54.97 million (2019) to 61.08 million (2023), but the number of inactive participants remains high, at 19.5 million per year. JHT claims from 2019–2023 reached 14,340,989 cases, significantly higher than those for JKK and JKM, making it a potential target for winback strategies. However, the post-claim reactivation rate for JHT remains low. At the Mandailing Natal Branch Office, from January 2024–September 2025, only 306 of 5,702 claimants (5.3%) reactivated. This study uses the Extended Theory of Planned Behavior (E-TPB) by adding perceived benefits and perceived risks to analyze repurchase intention. The quantitative survey method was applied using SEM-PLS analysis (SmartPLS 4). The results showed that subjective norms had the strongest influence on winback interest, followed by perceived benefits and perceived behavioral control. Conversely, attitudes toward the behavior and perceived risks were insignificant. These findings confirm that winback decisions are more influenced by social factors, belief in benefits, and ease of the reactivation process. Community-based strategies and service simplification are key to increasing participant sustainability.
Co-Authors Rizqi Eka Sukmayasa Siti Jahroh Trisnal Trisnal