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All Journal International Journal of Artificial Intelligence Research Syntax Literate: Jurnal Ilmiah Indonesia Jurnal Ilmiah Al-Syir'ah Jurnal Pengabdian Masyarakat AbdiMas Jurnal Kreativitas PKM Manuju : Malahayati Nursing Journal Gorontalo Journal of Public Health Indonesian of Health Information Management Journal (INOHIM) Jurnal Doktor Manajemen (JDM) JURNAL LENTERA BISNIS Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal Of Science, Technology & Management (IJSTM) International Journal of Educational Research and Social Sciences (IJERSC) International Journal of Community Service Kontigensi: Jurnal Ilmiah Manajemen Jurnal Abdimas Kartika Wijayakusuma NUSRA: Jurnal Penelitian dan Ilmu Pendidikan International Journal of Cyber and IT Service Management (IJCITSM) International Journal of Health and Pharmaceutical (IJHP) Jurnal Ekonomi Utama (Juria) International Journal of Sharia Business Management Jurnal Lentera Pengabdian Jurnal Ilmiah Multidisiplin Indonesia ZAHRA (JOURNAL OF HEALTH AND MEDICAL RESEARCH)
Mahadewi, Erlina Puspitaloka
Universitas Esa Unggul
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The Present and Future Definition of Health Insurance Based on Laws and Regulations in Indonesia Probo Astuti, Dewi; Meilindawaty Situmorang, Clara; Evehulisa Pinem, Sri; Puspitaloka Mahadewi, Erlina
International Journal of Health and Pharmaceutical (IJHP) Vol. 5 No. 2 (2025): May 2025 ( Indonesia - Iraq - Malaysia)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijhp.v5i2.369

Abstract

This study analyzes the legal principles that Indonesia insurance plays an important role in facing increasingly complex and uncertain life needs. In Indonesia, insurance is regulated through Law No. 40 of 2014, which provides a legal basis for the implementation and protection of the parties. This study uses a literature study method with a qualitative narrative synthesis approach to examine the definition of insurance based on laws and regulations in Indonesia. First, to analyse the legal basis of insurance and the legal aspects of the implementation of insurance agreements in Indonesia, examine the legal principles underlying the implementation of insurance practices in Indonesia, also evaluate the legal challenges in the implementation of insurance practices in Indonesia and provide recommendations and efforts for improvement in the insurance sector in Indonesia. Secondly, to analysis of the legal basis and implementation of insurance agreements shows that the legal framework for insurance in Indonesia is quite complex. Various challenges are still found in its implementation, such as complex regulatory changes, suboptimal consumer protection, and problems related to insurance claim disputes. We propose several recommendations and improvement efforts namely by improving regulations, and increasing supervision of law enforcement by the OJK, transparency and public education, and increasing cooperation between insurance companies, the OJK, and dispute resolution institutions. These efforts are important to realize an insurance system in Indonesia that is fair, inclusive, transparent, and sustainable from present to the future.
Insurance Utilities in Indonesia: A Study for Future Opportunities Green Nego, Ingrid; Oktaviani Yustedjo, Dika; Parlindungan, Hotmada; Puspitaloka Mahadewi, Erlina
International Journal of Health and Pharmaceutical (IJHP) Vol. 5 No. 2 (2025): May 2025 ( Indonesia - Iraq - Malaysia)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijhp.v5i2.370

Abstract

This study analyzes Indonesia's path toward universal health coverage (UHC), which has been marked by the introduction of targeted schemes such as Askeskin and Jamkesmas, culminating in the comprehensive National Health Insurance (JKN) program. This literature review systematically synthesizes peer-reviewed empirical studies published between 2005 and March 2025, examining the impact of government-managed health insurance on healthcare utilization, financial protection, and equity across different population groups. The study conducted a structured narrative synthesis of studies retrieved from PubMed, Scopus, Web of Science, and Google Scholar, focusing on inpatient and outpatient services, maternal and dental care, and out-of-pocket expenditures. The findings indicate that insured individuals consistently demonstrate higher utilization rates and significant reductions in out-of-pocket spending, with notable benefits in maternal health and primary care in rural areas; however, geographic and socioeconomic disparities persist, particularly among the urban poor and remote communities. Secondary analysis revealed moral hazard effects and shifting private market dynamics, highlighting the need for cost-sharing mechanisms and regulatory oversight. Propose policy strategies to expand enrollment, adjust premium subsidies, integrate fragmented schemes, strengthen the community health center (Puskesmas) infrastructure, and enhance preventive care and health literacy. An integrated approach aligning financial, clinical, and regulatory reforms is essential to optimize equity, efficiency, and sustainability in Indonesia’s UHC journey.
Health Insurance Policies For Informal Workers: A Review For National Health Insurance Sriwahyuni Batubara, Wiwik; Darwono, Darwono; Puspitaloka Mahadewi, Erlina
International Journal of Health and Pharmaceutical (IJHP) Vol. 5 No. 2 (2025): May 2025 ( Indonesia - Iraq - Malaysia)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijhp.v5i2.371

Abstract

Moral hazard in health insurance is a significant institutional issue that concerns the efficiency, sustainability, and equity of health funding systems. This study intends to comprehensively assess the different types of moral hazard, discern the root causes that contribute to it, and examine the regulatory strategies implemented at both national and international levels. This study employed a methodology characterized by a descriptive literature review, which involved a comprehensive analysis of 25 meticulously chosen peer-reviewed articles. The articles in question were published between the years 2014 and 2025, and they were obtained from reputable databases such as Scopus, PubMed, and Google Scholar. The results indicate that moral hazard presents itself in two main forms. Initially, this phenomenon arises among beneficiaries who may engage in excessive consumption and use of healthcare services lacking adequate medical justification. Secondly, it is apparent that healthcare providers may participate in administrative and clinical manipulation, which includes practices such as upcoding, unnecessary hospitalizations, and fraudulent claims. Several contributing factors to moral hazard can be identified, including deficiencies in the design of the INA-CBGs payment system, a lack of health insurance literacy among participants, and insufficient oversight and auditing mechanisms.The findings presented have considerable implications for policymakers, outlining the necessity to improve the national health insurance system. Structural reforms and the implementation of sustainable, multidisciplinary approaches.
The Dynamics Analysis of Development and Basic Principles of Health Insurance in Indonesia Sulatriningsih, Sri; Sunardi, Didin; Puspitaloka Mahadewi, Erlina
International Journal of Health and Pharmaceutical (IJHP) Vol. 5 No. 2 (2025): May 2025 ( Indonesia - Iraq - Malaysia)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijhp.v5i2.372

Abstract

Healthcare insurance in Indonesia is mandated by the 1945 Constitution, Article 34 paragraph 2. The basic principles of health insurance in Indonesia are based on social justice and broad coverage and support the sustainability of an inclusive and equitable health service system. The health insurance system in Indonesia has transformed into Universal Health Coverage (UHC) through the National Health Insurance (JKN) program. Problems that are still obstacles to the effectiveness of the JKN system include slow payment of claims to health facilities, moral hazard, and gaps in the quality of services between health facilities in big cities and remote areas. This study aims to analyze the basic principles and dynamics of the development of the national health insurance system in Indonesia. The method used is a literature study of scientific sources, public policies, and official reports. The results of the study and review indicate that the principles of solidarity, equity, and sustainability are the main foundations in the implementation of JKN. Although coverage has expanded significantly, challenges such as gaps in access to services, imbalances in contributions and financing, and low public understanding of health insurance still need attention.
Managed Care In Healthcare Insurance: A Case Study In Indonesia For Review Destya Arini, Kartika; Nurhasanah, Imas; Amnurokhim Malahade, Mohammad; Puspitaloka Mahadewi, Erlina
International Journal of Health and Pharmaceutical (IJHP) Vol. 5 No. 2 (2025): May 2025 ( Indonesia - Iraq - Malaysia)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijhp.v5i2.375

Abstract

The process of goods and services procurement within the government environment still has vulnerabilities to fraud, which necessitates proper handling. This study aims to identify the factors that can influence efforts to prevent fraud in the procurement of goods and services using an e-procurement system. The data for this research was obtained through the distribution of questionnaires to employees at the Procurement Services Unit (ULP) and the Regional Financial and Asset Management Agency (BPKAD) Office of Dompu Regency. The sampling method used in this study is purposive sampling. Furthermore, the research data were tested using multiple regression analysis. This study demonstrates that the variables of technology utilization, e-procurement, internal control systems, organizational culture, employee ethics, and religiosity can influence the prevention of fraud in the procurement of goods and services. The research findings can serve as a reference for evaluating the use of information technology through e-procurement and the application of internal control systems for optimal results. Additionally, it is important to consider human resources, specifically employees, in maintaining organizational culture, good ethics, and religious values as a foundation for actions in the workplace to avoid various deviant or unlawful behaviors.
The Influence of Social Media on HIV-Aids and LGBT Cases among the Young Generation in Jakarta Puspitaloka Mahadewi, Erlina; Reza Hilmy, Mohamad; Silviana Mustikawati, Intan; Muniroh, Muniroh; Chairun Nisa, Puspita; Mandala Putra, Juniawan; Harahap, Arman
International Journal of Health and Pharmaceutical (IJHP) Vol. 5 No. 2 (2025): May 2025 ( Indonesia - Iraq - Malaysia)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijhp.v5i2.384

Abstract

The study focused on the purpose of finding out the effect and the roles challenges faced by activists in the JPC Jakarta Foundation community in their efforts to prevent HIV and AIDS infections among LGBT people in Jakarta. This study applies a qualitative approach to observe the activities carried out by activists in three areas in the DKI Jakarta Province of Indonesia. The activities of the activists include field and online outreach, interactive group discussions, HIV counseling and testing, distribution of condoms and pelicans for LGBT youth, and social support for people living with HIV and AIDS (PLWHA). This study uses the theory of social action and symbolic interactionism to analyze the activities carried out by activists. This study found that the activities carried out by volunteer activists of the JPC Jakarta foundation in 2023. The study shows the results of the formation of rational-instrumental social action and a symbolic interaction in the context of HIV and AIDS prevention, with the LGBT community being a group affected by the increasing deviation of social media among the younger generation, especially Gen Z.
Economy Risk Classification And Legal Principles In Insurance Coverage For Modern Insurance Practice In Indonesia Agustina, Ariska; Paramita Putri, Prima; Kusumastuti Setianingrum, Evi; Puspitaloka Mahadewi, Erlina
International Journal of Health and Pharmaceutical (IJHP) Vol. 5 No. 2 (2025): May 2025 ( Indonesia - Iraq - Malaysia)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijhp.v5i2.415

Abstract

This study analyzes the legal principles underlying insurance coverage and economy risk classification in modern insurance practices. The principles of insurance law: utmost good faith, insurable interest, indemnity, subrogation, proximate cause, are important foundations in regulating the relationship between the insurer and the insured. On the other hand, risk classification plays a crucial role in the assessment, premium determination, risk selection, and risk management by insurance companies. The method used is a literature study with a normative approach, examining regulations, legal doctrines, scientific literature, and practices in the insurance industry. The results of the study indicate that a deep understanding of the principles of insurance law and risk classification can improve transparency, contractual fairness, moral hazard risk mitigation, operational efficiency in the insurance industry. Risks in insurance are classified into two main categories, namely pure risk which is related to the possibility of loss alone and speculative risk which involves the possibility of profit or loss. The six basic principles of insurance law, insurable interest, utmost good faith, proximate cause, indemnity, subrogation, contribution are the foundation for the formation and implementation of a valid insurance contract. The development of digital technology, the use of big data, artificial intelligence, machine learning in the insurance sector, has brought significant changes to risk classification methods, underwriting, and claims assessment processes. In conclusion, a comprehensive understanding of legal principles and risk classification is essential to ensure legal protection, increase public trust, and support the sustainability of health and general insurance practices in the modern era for Indonesia.
The Impact Of Artificial Intelligence On Consumer Behavior: A Comprehensive Review Of Marketing Strategies In The Digital Age Mahadewi, Erlina Puspitaloka; Sanantagraha, Arnastya Iswara; Sugiharto, Amo
Kontigensi : Jurnal Ilmiah Manajemen Vol 13 No 1 (2025): Kontigensi: Jurnal Ilmiah Manajemen
Publisher : Program Doktor Ilmu Manajemen, Universitas Pasundan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jimk.v13i1.687

Abstract

The advancement of Artificial Intelligence (AI) technology has brought significant changes to consumer behavior and marketing strategies in the digital age. This study aims to provide a comprehensive review of the impact of AI on consumer behavior while exploring marketing strategies adopted by businesses to address these changes. By utilizing literature analysis from recent journals, books, and scholarly articles, this research highlights how AI technologies—such as predictive algorithms, personalization, and chatbots—affect consumer decision-making processes, enhance customer experiences, and accelerate purchasing behaviors. On the other hand, AI also introduces new challenges related to privacy, ethics, and consumer trust in technology. The findings of this study reveal that companies successfully implementing AI into their marketing strategies are able to foster closer relationships with customers through more relevant and data-driven interactions. In this context, the role of technology in understanding consumer needs and preferences becomes a key driver of marketing success. This study provides valuable insights for academics and practitioners on how AI is transforming the marketing and consumer behavior landscape, while also recommending best practices for leveraging this technology. As such, this research emphasizes the importance of adapting to AI technologies to create added value in an increasingly competitive market.
The Influence of Occupational Safety, Health, And Security Standards On Increasing The Productivity of High-Rise Building Glass Cleaning Workers Aura Prizi, Jeane; Puspitaloka Mahadewi, Erlina
International Journal of Science, Technology & Management Vol. 6 No. 5 (2025): September 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i5.1350

Abstract

Occupational Safety and Health (OHS) is a crucial element in the modern workplace, particularly in high-rise building cleaning, as effective OHS implementation has been proven to reduce workplace accident rates and simultaneously increase workforce productivity. This study aims to analyze how the implementation of OHS management and VR-AR-based OHS training can affect workplace accident rates and ultimately impact low work productivity due to the high number of falls from height. This study uses a quantitative approach with the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The subjects in this study included employees who had worked for more than 4 months in the field of high-rise building cleaning in the West Jakarta area. To obtain an appropriate number of respondents, the data collection process was carried out through the distribution of online questionnaires using Google Forms. The instrument trial stage was carried out involving 30 respondents for the initial test, while the total data collected during the main questionnaire filing stage amounted to 130 respondents. The results of the study indicate that the Implementation of OHS Requirements, OHS Management, and VR-AR-Based OHS Training have an impact on Workplace Accidents. Meanwhile, the Implementation of K3 Requirements, VR-AR Based K3 Training, and Work Accidents have an impact on Productivity.
Democratizing Network Security Management: How ESP32 Makes Professional Packet Sniffing Accessible Iswara Sanantagraha, Arnastya; Puspitaloka Mahadewi, Erlina
International Journal of Science, Technology & Management Vol. 6 No. 5 (2025): September 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i5.1351

Abstract

This study presents a comprehensive design and implementation of an ESP32-based WiFi packet sniffer system optimized for real-time monitoring and analysis of 802.11 network traffic, adopting a modular architecture that integrates hardware abstraction, packet processing, and user interface layers to ensure scalability, maintainability, and efficient resource utilization while leveraging the ESP32's dual-core processor, integrated WiFi, and advanced memory management strategies to achieve high performance in packet capture, filtering, and storage with low power consumption; key features include support for industry-standard PCAP file formats, microsecond-precision timestamps, and compatibility with MQTT and WebSocket protocols, enabling seamless integration into diverse IoT applications, with the system capable of capturing all supported 802.11 frame types and applying real-time filtering based on MAC addresses, frame types, signal strength, and protocol-specific parameters to reduce storage and processing overhead, while addressing memory limitations through efficient buffer management techniques such as circular buffers and dynamic memory allocation, ensuring adaptability to traffic patterns and resources, with performance evaluations demonstrating its ability to handle high traffic loads with minimal latency and memory overhead, making it suitable for applications like disaster monitoring, factory automation, and environmental sensing, further highlighting the ESP32's versatility through compatibility with solar-powered systems and renewable energy sources for long-term deployment in remote environments, while future work will focus on enhancing energy efficiency and exploring AI-driven analytics for edge computing scenarios, bridging the gap between expensive commercial solutions and accessible educational/research tools to demonstrate practical viability in real-world applications.
Co-Authors Adhasari, Gayatri Admarianti, Ghina Agus Firmansyah Agustina, Ariska Agustini, Purwanti Al Farisi, Muhammad Salman Al-Amin, Al-Amin Amnurokhim Malahade, Mohammad Amo Sugiharto Angela, Nofia Anindhita Sekarsari, Ayu Aprianti, Desi Aprilita Rinayanti Eff Arman Harahap Arman Harahap Arnastya Iswara Arnastya Iswara Sanantagraha Arnastya Iswara Sanantagraha Arnastya Iswara Sanantagraha, Arnastya Iswara Sanantagraha Asari Asari, Asari Ashri Maunah, Nur Asri Baharsyah, Nurul Aura Prizi, Jeane Ayu Larasati Ayu, Gebyar Ayuba, Iyan Bangun, Cicilia Sriliasta Baransano, Karolina Basirah Mulya, Ainur Benny Aurixon, Tumpak Chrisafi, Astrid Christine Saragih, Runggu Christine, Grace Christover, Jean Citrawati, Citrawati Daru Asih Darwono, Darwono Destya Arini, Kartika Dickson, Dickson Dihin Septyanto Dita Rahadian, Dhimas Djati, Sunding Pantja Dormaida Silaban, Sondang Dudi Permana Dwi Muthashani, Femy Dwi Putranto, Rahmat DWI SAFITRI, IKA Edy Suntoro, Eko Eff, Aprilita Rinayanti El Hasan, Sawqi Saad Elistia, Elistia Erlangga, Heri Erwin Agustian Panigoro Esther, Sonya Evehulisa Pinem, Sri Ewi, Yulidar Fachmi Tamzil Farkhanah, Anah Fermansyah, Hari Fori Yumita G. Gunawan Green Nego, Ingrid Hafidz, Gilang Pratama Handayani, Rani Harahap, Arman Harjanto Prabowo Heriyanti Heriyanti, Heriyanti Hermawati, Siska Heryana, Ade Indra Ora Emi, Yohanes Intan Silviana Mustikawati Intan Silviana Mustikawati Ira Marti Ayu Irawan, Budy Irfandi, Ahmad Iswara Sanantagraha, Arnastya Jumarno, Jumarno Juniawan Mandala Putra Juniawan Mandala Putra Khalid, Nour Kurniawati, Yatmi Kusumastuti Setianingrum, Evi Leslie Hendric Spits Warnars, Harco lia amalia LIA AMALIA Liska Suspenny , Nurmiati Mandala Putra, Juniawan Maratis, Jerry Mauludi, Andri Maylia Ardini, Vita Meilindawaty Situmorang, Clara Mira Asmirajanti Mohamad Reza Hilmy Muchtadin, Muchtadin Mugi Wahidin Muhamad Ikhsan Mulyo Wiharto Muniroh, Muniroh Musna Musna Mustajab, Fuad Mustikawati, Intan Silviana Ngadino Surip Ngguna, Rifaidwianto Nisa, Puspita Chairun Nismawati, Iis Novia Laras, Dewi Novita Savitri, Elfrida Nur Anggraeni, Citra Nurhasanah, Imas Nurlestari, Astri Nurlianti, Ice Nurlinda Nurlinda, Nurlinda Nurmalasari, Mieke Nurmawaty, Dwi Nurmiati Nurmiati Oktaviani Yustedjo, Dika Ozays , Mehmet Pamungkas, Ario Panigoro, Erwin Paramita Putri, Prima Parlindungan, Hotmada Prawira Kautsar, Marza Prayitno, Lukman Probo Astuti, Dewi Putranto, Rahmat Dwi Putri Agustin, Sartika Putri Handayani Putri Iskandar, Olivia Putri Kencana, Yunita Putri, Suci Sri Endah Lestari Mulyanto Ratnawati, Aryanti Rifqi Fadhlurrahman, Muhammad Rindy Al Fitry, Zulfa Rini Handayani Rini Hastuti Rizki Agustin, Karina Rizky Perdana, Naufal Rizqi Yanuar Setyowati, Monica Rosnani, Neni Salomon, Sam Sanantagraha, Arnastya Iswara Sangadji, Namira Wadjir Sarlina Sari Selvi Selvi Setiati, Ritta Setiawan, Ichwan Seto, Samudro Sfenrianto, Sfenrianto Shameela , Alika Shameela, Alika Shorayasari, Susi Silviana Mustikawati, Intan SITI MARIAM Sopian, Arip Sri Rosmalina Soejono Sriwahyuni Batubara, Wiwik Sudarmika, Dina Sujatmiko, Putih Sukardi Sukardi Sulatriningsih, Sri Sunardi, Didin Sunargo, Bambang Sundring Pantja Djati Suryari Purnama Susanti Susanti Susi Shorayasari Susi Shorayasari Susi Shorayasari Sutawidjaya, Ahmad Hidayat Sutinah, Nina Trinarsih, Trinarsih Tunom, Sajun Umaruzzaman, Umaruzzaman Veranica, Romauli Veza Azteria Viatiningsih, Wiwik Vionalita, Gisely Wahid, Hariyaty Ab Waslam Waslam, Waslam Wayamah , Cucu Widia Hadi, Ilma Widyadhari, Elysia Winarti, Syari Wulandari, Rikha Yulita, Hanna Yunita, Fina Zairil, Zairil ‘Aini, Qurotul