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All Journal JURNAL PENDIDIKAN TAMBUSAI IJEEM - Indonesian Journal of Environmental Education and Management International Journal for Educational and Vocational Studies Community Engagement and Emergence Journal (CEEJ) Community Development Journal: Jurnal Pengabdian Masyarakat Premium: Insurance Business Journal Journal of Innovation Research and Knowledge
Wahyuari, Wahyuari
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences

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PENDAMPINGAN PENYUSUNAN DISAIN INSTRUKTIONAL KELAS PERCAKAPAN DALAM BAHASA INGGRIS BAGI PENYANDANG DISABILITAS NETRA DI BIMBEL LENTERA INKLUSIF, CENGKARENG JAKARTA BARAT Suhendar, Bagus; Syakir, Syakir; Wahyuari, Wahyuari
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 4 No. 6 (2023): Volume 4 Nomor 6 Tahun 2023
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v4i6.23532

Abstract

Lahirnya Undang-Undang No. 8 Tahun 2016 tentang Penyandang Disabilitas dan didirikannya Komisi Nasional Disabilitas pada tahun 2021 telah mendorong semakin terbukanya kesempatan untuk memperoleh kehidupan dan penghidupan yang layak secara inklusif tanpa diskriminatif bagi para divable. Salah satu indikator yang terlihat dengan mudah dan jelas adalah banyaknya sekolah / perguruan tinggi yang menerima peserta didik dari penyandang disabilitas, khususnya disabbilitas netra. Hal yang sama juga terjadi di dunia kerja, dengan semakin banyaknya instansi perkantoran pemerintah dan perusahaan swasta yang memberi kesempatan bagi penyandang disabilitas untuk menjadi pegawai di tempat mereka. Salah satu keterampilan dasar yang dipersyaratkan bagi penyandang disabilitas Netra untuk dapat memperoleh peluang tersebut diantaranya adalah terampil dalam menggunakan Bahasa Inggris dan menggunakan Komputer.Bimbel Lentera Inklusif merupakan satu dari sedikit Yayasan yang memberikan layanan pelatihan Komputer dan Bahasa Asing, termasuk Bahasa Inggris bagi penyandang disabilitas. Bimbel ini didirikan pada tahun 2022 oleh pemuda penyandang disabilitas Netra. saat ini peminat program kelas percakapan Bahasa Inggris dari kalangan penyandang disabilitas netra di Bimbel semakin meningkat dan berasal dari berbagai daerah di seluruh Indonesia. Namun sayangnya, karena keterbatasan sumber daya, program Bahasa Inggris yang ditawarkan dirasa kurang efektif untuk tujuan pembelajaran percakapan (English Conversation). Program kursus Bahasa Inggris yang ada di Bimbel masih menggunakan pendekatan sturktural. Melalui kegiatan pendampingan ini, Tim PKM Sekolah Tinggi Manajemen Asuransi Trisakti bermaksud untuk membantu Bimbel Lentera Inklusif dalam Menyusun Disain Instruksional “Program English Conversation Class” yang ramah bagi guru dan siswa penyandang disabilitas netra. kegiatan Pendampingan ini didanai oleh Program Dana Hibah PKM Kemendikbudristek RI tahun 2023. Sebagai Luaran utama dari kegiatan ini adalah tersusunnya purwa rupa Disain Instruksional Inklusif Program Percakapan Bahasa Inggris yang ramah bagi buru dan siswa penyandang disabilitas netra
ANALISIS DAMPAK PENDIDIKAN KEWIRAUSAHAAN TERHADAP PERUBAHAN MINAT BERWIRAUSAHA PADA MAHASISWA STMA TRISAKTI Wahyuari, Wahyuari
Premium Insurance Business Journal Vol. 8 No. 2 (2021): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (290.617 KB) | DOI: 10.35904/wahyuari080203

Abstract

Penelitian ini bertujuan untuk mengetahui dampak mata kuliah pendidikan kewirausahaan terhadap minat berwirausaha pada mahasiswa Sekolah Tinggi Manajemen Asuransi Trisakti. Metode penelitian yang digunakan adalah metode eksperimen dengan jumlah sampel sebanyak 24 mahasiswa. Pengumpulan data dilakukan sebelum dan sesudah mahasiswa mengikuti mata kuliah kewirausahaan. Hasil dari penelitian dapat dilihat dari uji paired sample t test dengan derajat kebebasan adalah 23 dan nilai signifikansi (2-tailed) 5% yaitu nilai hitung tabel: sehingga dapat dikatakan bahwa pendidikan kewirausahaan berdampak tidak begitu besar terhadap minat mahasiswa menjadi wirausahawan.
Pengaruh Premi Asuransi Umum terhadap Pendapatan Pialang Asuransi dan Pendapatan Penilai Kerugian Asuransi Berdampak Kepada Penetrasi Asuransi di Indonesia Sidik, Syahrial; Dalimunthe, Achmad Sudiyar; Wahyuari, Wahyuari; Sapolo, Supiyadi
Jurnal Pendidikan Tambusai Vol. 9 No. 1 (2025)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh premi asuransi umum terhadap penetrasi asuransi di Indonesia dengan memediasi variabel pendapatan pialang asuransi dan penilai kerugian asuransi. Metode yang digunakan adalah kuantitatif dengan pendekatan deskriptif analisis dan analisis jalur. Data sekunder diambil dari Otoritas Jasa Keuangan (OJK) dan Asosiasi Asuransi Umum Indonesia (AAUI) untuk periode 2016-2021. Hasil penelitian menunjukkan bahwa premi asuransi umum berpengaruh signifikan terhadap pendapatan pialang asuransi dan penilai kerugian asuransi. Namun, premi asuransi umum tidak berpengaruh signifikan terhadap penetrasi asuransi secara langsung maupun melalui variabel mediasi. Kontribusi premi asuransi umum terhadap penetrasi asuransi secara langsung lebih besar dibandingkan kontribusi tidak langsung melalui mediasi variabel pendapatan pialang asuransi dan penilai kerugian asuransi. Penelitian ini diharapkan dapat memberikan manfaat bagi industri asuransi dalam meningkatkan penetrasi asuransi di Indonesia.
PENGARUH PEMAHAMAN DAN KEPERCAYAAN MASYARAKAT TERHADAP MINAT BELI PRODUK ASURANSI MIKRO DI KELURAHAN CAKUNG TIMUR JAKARTA TIMUR Putera, Heriansyah; Wahyuari, Wahyuari
Premium Insurance Business Journal Vol. 9 No. 2 (2022): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v9i2.39

Abstract

Asuransi Mikro adalah asuransi yang diperuntukan bagi masyarakat yang berpenghasilan rendah dengan fitur yang sederhana, mudah didapat serta cepat dalam penanganannya. Asuransi mikro ini diharapkan dapat membantu masyarakat berpenghasilan rendah untuk memiliki asuransi. Penelitian ini berjudul Pengaruh Pemahaman Dan Kepercayaan Masyarakat Terhadap Minat Beli Produk Asuransi Mikro Di Kelurahan Cakung Timur Jakarta Timur. Penelitian ini memiliki tujuan untuk mengetahui apakah ada pengaruh antara pemahaman dan kepercayaan terhadap minat beli produk asuransi mikro. Penelitian ini dilakukan di RW 13. Populasi dalam penelitian ini adalah warga masyarakat di RW 13 dan sampel yang digunakan adalah data responden sebanyak 71 responden. Teknik analisis data yang digunakan adalah analisis koefisien determinasi serta persamaan regresi sederhana dan berganda yang diolah menggunakan perangkat lunak SPSS. Nilai probabilitas yang digunakan adalah 0.05. Hasil pengujian analisis data menunjukan bahwa uji Parsial T untuk variabel pengaruh Pemahaman (X1) memiliki pengaruh yang terhadap Minat Beli Produk Asuransi Mikro (Y), hal ini dibuktikan dengan nilai signifikansi 0,000 < 0,05, sedangkan variabel Kepercayaan (X2) memiliki pengaruh yang terhadap Minat Beli Produk Asuransi Mikro (Y), hal ini dibuktikan dengan nilai signifikansi 0,000 < 0,05. Pengujian secara simultan (Uji F) variabel independen yaitu Pengaruh Pemahaman dan Kepercayaan, dengan memiliki F-hitung sebesar 348,641 > 3.13 dari F-tabel. Artinya variabel independen yaitu Pemahaman dan Kepercayaan memiliki pengaruh dengan variabel dependen yaitu Minat Beli. Hasil analisis dalam penelitian ini menunjukan bahwa secara uji koefisien determinasi (R square) diperoleh 0.911 atau 91,1% yang artinya bahwa variabel Pemahaman dan Kepercayaan mempunyai pengaruh sebesar 91,1% dengan Minat Beli dan sebagian besar lainnya 8,9% dipengaruhi oleh berbagai faktor lain yang tidak dijelaskan pada penelitian ini.
Culinary risk register: A practical guide to open a culinary business Suhendar, Bagus; Wahyuari, Wahyuari; Gustrian, Rachmadi
International Journal for Educational and Vocational Studies Vol. 4 No. 6 (2022)
Publisher : Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/ijevs.v4i3.7098

Abstract

This study aims to create a Culinary Risk Register (CRR) for prospective culinary entrepreneurs compiled based on the identification of the risks that exist in the culinary business. It is hoped that this CRR can be used as an alternative practical guide for those who want to open a culinary business, in order to mitigate the occurrence of business failures. The research method used is descriptive quantitative with 34 respondents. The indicators of the instruments were set up from the 4 risk categories, while Pareto Principal was use to analyse the data. The results is that there are 13 main risk factors which are necessary to be consider to open culinary business, out of 54 risk factors verified by the respondents. Among the 4 risk categories (financial, strategic, hazard, and operational risk), financial risk is the most prominent risk factor to be consider. There are two point that can be concluded from this research. Firstly, financial risk is the most prominent risk factor that must come into consideration in opening culinary business, among the others 3 risk categories. At the opening or existence stage is a critical phase, an entrepreneur is busy promoting the products, gathering and convincing customers, providing good service quality that will take some times before the entrepreneur can obtain regular customers as well as increase the number of new customers. A business failure and bankruptcy may happen anytime at this stage, if there is no well financial arrangement. It is quite recommended that a prospective entrepreneur must have adequate cash flow or sufficient capital and a projected cash flow of the business. Secondly, this research produces a list of culinary risks (CRR) which contains 13 risk factors that need to be considered in opening a culinary business.
KUALITAS PELAYANAN PENDIDIKAN PADA STMA TRISAKTI DENGAN MENGGUNAKAN METODE EDUQUAL DAN IMPORTANCE PERFORMANCE ANALYSIS (IPA) Wahyuari, Wahyuari; Syahrial Sidik; Alvernia Kurniartha; Bunga Kalista
Journal of Innovation Research and Knowledge Vol. 5 No. 3: Agustus 2025
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the quality of educational services at STMA Trisakti by integrating the EduQual and Importance Performance Analysis (IPA) methods. EduQual is used to measure service quality based on five main dimensions: learning outcomes, responsiveness, physical facilities, personal development, and academics. Meanwhile, IPA is applied to map the gap between actual performance and student expectations, as well as to determine service improvement priorities. Data was collected through a questionnaire from 119 active students representing various programs of study and educational levels. The analysis results indicate that all service dimensions have negative GAP values, indicating that performance has not fully met student expectations. The dimensions with the largest GAPs were physical facilities and academic service responsiveness. IPA analysis reinforced these findings, prioritizing academic service responsiveness indicators as the top priority for improvement. This study contributes theoretically to the development of a service quality evaluation model based on a combination of EduQual and IPA, and practically provides strategic recommendations to STMA Trisakti for improving service quality and student satisfaction sustainably.
KUALITAS PELAYANAN PUBLIK DI KUA BANDUNG WETAN, KOTA BANDUNG DENGAN MENGGUNAKAN METODE IMPORTANCE PERFORMANCE ANALYSIS (IPA) DAN POTENTIAL GAIN IN CUSTOMER VALUE (PGCV) Syahrial Sidik; Wahyuari, Wahyuari; Supriyadi Sapolo; M. Nasyubun; Anisha Maharani Tambunan
Journal of Innovation Research and Knowledge Vol. 5 No. 3: Agustus 2025
Publisher : Bajang Institute

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Abstract

The quality of public services is an important factor in building public trust in government institutions, including the Office of Religious Affairs (KUA). This study aims to analyze the quality of public services at the KUA Bandung Wetan, Bandung City, using the Importance Performance Analysis (IPA) and Potential Gain in Customer Value (PGCV) methods. The IPA method is used to identify gaps between the level of importance and service performance based on public perception, while PGCV is used to measure the potential for service value improvement by identifying attributes that significantly impact customer satisfaction. This study employs a descriptive quantitative approach with a questionnaire distributed to 46 respondents. The IPA analysis results indicate two indicators that should be prioritized for improvement: Timeliness (KW2) and Transparency of Procedures (TP1), as they have high importance values but suboptimal performance. The PGCV calculations confirm that improvements in these two indicators have the potential to significantly enhance the perceived value of services by the public. This study contributes theoretically by integrating the IPA and PGCV approaches in public service evaluation based on ServQual, and practically by providing strategic improvement recommendations for KUA to sustainably enhance public satisfaction.
Pemberian Literasi Asuransi Kepada Guru di Jakarta Alvernia Kurniartha; Wahyuari, Wahyuari
IJEEM - Indonesian Journal of Environmental Education and Management Vol. 10 No. 2 (2025): IJEEM: Indonesian Journal of Environmental Education and Management Volume 10
Publisher : Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/ijeem.v10i2.59062

Abstract

The insurance industry plays a crucial role in the economy. It plays an active role and drives other financial industry groups, such as banking. The insurance industry and the banking industry are linked through investment, credit risk management, payment systems and transaction flows, as well as joint product collaborations obtain benefit to both parties. The Strategic Program in the Insurance Roadmap optimizes the connectivity between insurance and banking to provide benefits to customers and the societies. In fact, the societies is more comprehensively familiar with the banking industry than the insurance industry. People prefer to protect their finances by saving and investing through banks. Data from National Financial Literacy Survey (SNLKI-2024) conducted by Otoritas Jasa Keuangan (OJK) and Badan Pusat Statistics (BPS) shows a gap of 9.59% between the financial literacy index and the national financial inclusion index in 2023. This indicates that 9.59% of Indonesians who use financial products/services still lack of financial literacy adequate. Improving financial literacy and inclusion is crucial because adequate financial literacy impacts consumers' ability to understand the information they receive and assess the benefits and risks inherent in each financial product and service. STMA Trisakti Lecturer had completed Pengabdian kepada Masyarakat (PKM) activity during semester of 2024/2025 to provide insurance literacy to school teachers in Jakarta, considering school’s teachers is one of the targets of SNLKI Strategy (2021-2025) to get financial literacy. Insurance literacy through this PKM activity is expected to continue in further semester with the same or different target participants (in accordance with SNLKI targets). The purposes are to assist the Government in increasing national financial literacy rates/index, particularly insurance literacy. Hoped it will increase public awareness, regarding the importance of insurance and to support the national insurance growth. Keywords: National Financial Literacy and Inclusion Index, Insurance Literacy, Indonesian National Financial Literacy Strategy (SNLKI), STMA Trisakti, Community Service (PKM), Teachers.
Systematic Literatur Riview: Strategi Penguatan Kualitas Agen Untuk Memajukan Pangsa Pasar Asuransi Umum Di Indonesia Sidik, syahrial; Wahyuari, Wahyuari; Nasyubun, M.
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 3 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i3.10532

Abstract

The general insurance industry in Indonesia faces the challenge of low market penetration (below 4%) due to minimal risk literacy and public trust. Insurance agents play a central role as educators and bridges of trust, but strategies to strengthen their position in emerging markets have not been explored holistically. This study aims to formulate strategies to strengthen agent quality in order to advance market share through a Systematic Literature Review (SLR) method using the TCCM (Theory, Context, Characteristics, Methodology) framework. Using the PRISMA 2020 protocol, this study selected 1,000 articles from the Google Scholar and Emerald Insight databases (2016–2026), resulting in 30 relevant final articles. The analysis results show a surge in post-pandemic research interest and a dominance of studies from emerging market contexts that emphasize the “Phygital” (Physical + Digital) approach. This study proposes the “Hybrid-Trusted Agent” model, which integrates digital competence, ethical behavior, and technical expertise as key determinants of market performance. In conclusion, the transformation from transactional sales to relationship marketing is essential to improve customer retention and sustainable market growth.
Pemberian Literasi Asuransi Kepada Mahasiswa : InsurTech - Revolusi Perkembangan, Mekanisme dan Peluang Karir di Era Digital Alvernia Kurniartha; Wahyuari, Wahyuari
IJEEM - Indonesian Journal of Environmental Education and Management Vol. 11 No. 1 (2026): IJEEM: Indonesian Journal of Environmental Education and Management Volume 11
Publisher : Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/ijeem.v11i1.66465

Abstract

The insurance industry plays an important role in supporting national economic stability and growth, including supporting the banking sector through investment synergies, risk management, and product cooperation. However, public understanding of the insurance industry is still low compared to the banking sector. Data from the 2025 National Financial Literacy and Inclusion Survey (SNLIK) conducted by the OJK and BPS shows the insurance literacy index is 45.45% and insurance inclusion index is 28.50%. There is a gap, with the insurance literacy index 16.95% higher than the insurance inclusion index. However, the insurance literacy index remains below 50%. Therefore, regulators (OJK), insurance industry players, insurance associations, and Civitas Academica need to continue efforts to provide insurance literacy to the public to increase the insurance inclusion index. Furthermore, developing innovations, such as adopting and optimizing the use of technology in insurance operations and marketing, can also trigger the increasing of insurance inclusion in this digital era. Technological advances have created many new breakthroughs in the insurance business, named as Insurance Technology (Insurtech). Along with the development of Insurtech, new kind of jobs are emerging that require future human resources of digital insurance. For this reasons, lecturers at Sekolah Tinggi Manajemen Asuransi (STMA) of Trisakti conducted the activity of Pengabdian Kepada Masyarakat (PKM) by holding a digital insurance literacy and career preparation program for students. This activity aims to increase understanding of insurance (particularly digital insurance), promote insurance awareness, support the sustainable growth of the digital insurance industry, and provide students with information on how to prepare for work in digital insurance. Keywords: SNLIK 2025, Insurance Literacy, Insurance Inclusion, Insurtech, Digital Insurance.
Co-Authors Alvernia Kurniartha Anisha Maharani Tambunan Bagus Suhendar Bunga Kalista Dalimunthe, Achmad Sudiyar Gustrian, Rachmadi M. Nasyubun Nasyubun, M. Putera, Heriansyah Sapolo, Supiyadi Sapolo, Supriyadi Suhendar, Bagus Syahrial Sidik syakir syakir