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All Journal Journal of Economic, Bussines and Accounting (COSTING) International Journal of Economics Development Research (IJEDR)
Jerry Marmen
Universitas Pembangunan Nasional Veteran Jakarta
Economics, Econometrics & Finance Social Sciences

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Cost Observation in Natural Monopoly Settings: The Relevance of Jean-Jacques Laffont and Jean Tirole's Thoughts in The Regulation of Natural Monopoly Companies Jerry Marmen; Airlangga Surya Kusuma
International Journal of Economics Development Research (IJEDR) Vol. 4 No. 5 (2023): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i2.5504

Abstract

Government intervention is necessary to protect consumer interests and prevent companies in monopoly markets from exploiting consumers by setting high prices. Regulations such as business competition laws and price regulations can be implemented to prevent monopoly markets from exploiting consumers. However, implementing price regulation in natural monopolies is challenging due to challenges such as determining accurate marginal costs, monitoring and enforcing regulations, and ensuring compliance by monopolists. Thus, effective regulation must be holistic, covering aspects of price, service quality, and innovation incentives, and supported by strong transparency and accountability mechanisms to ensure compliance and protect overall consumer interests. The study concludes that there is a need for regulation in monopoly markets, particularly in sectors like water utilities, electricity, and rail transportation where high fixed costs and large economies of scale make one firm more efficient than several competing firms. The government plays a crucial role in implementing regulations to protect consumers and ensure market efficiency. Further research is needed to test the effectiveness of incentive and fine mechanisms in other sectors, develop econometric models to measure monopoly efficiency and conduct international policy evaluations. By combining theoretical and empirical approaches, the proposed policies can improve efficiency, consumer welfare, fiscal sustainability, and better management of public resources.
PERAN INOVASI DIGITAL DALAM MENINGKATKAN PENETRASI ASURANSI DI INDONESIA Trioksa Siahaan; Mulya Efendy Siregar; Edy Setiadi; Jerry Marmen; Gerhad Lanuharsa
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/3ettxc56

Abstract

Perkembangan inovasi digital telah membawa perubahan mendasar dalam industri asuransi, khususnya melalui kehadiran insurance technology (InsurTech). Penelitian ini bertujuan untuk menelaah secara sistematis bagaimana inovasi digital berkontribusi terhadap peningkatan penetrasi asuransi di Indonesia. Metode yang digunakan adalah Systematic Literature Review (SLR) dengan kerangka PRISMA, mencakup analisis terhadap artikel-artikel terindeks SINTA dan Scopus dalam kurun waktu 2020–2025 sebanyak 12 artikel. Hasil penelitian menunjukkan bahwa pertama, Insurtech mencakup teknologi seperti aplikasi seluler, blockchain, AI, IoT, dan telemedicine yang meningkatkan efisiensi operasional dan pengalaman nasabah. Kedua, inovasi digital ini membawa transformasi signifikan dalam industri asuransi, dengan fokus pada kecerdasan buatan dan blockchain untuk efisiensi dan transparansi. Insurtech memiliki potensi besar untuk mengubah lanskap pasar asuransi, terutama di kalangan konsumen digital-savvy, dengan meningkatkan aksesibilitas, pengalaman interaktif, dan efisiensi manajemen perusahaan. Ketiga, implementasi Insurtech dihadapkan pada hambatan seperti kesenjangan literasi digital, keterbatasan infrastruktur, lemahnya integrasi sistem, serta kebutuhan akan harmonisasi regulasi, keamanan siber, dan edukasi nasabah. Perlindungan data pribadi juga menjadi aspek krusial dalam pengembangan Insurtech. Singkatnya, Insurtech berpotensi mendorong pertumbuhan industri asuransi di era digital jika tantangan implementasi dapat diatasi dengan strategi yang tepat melibatkan teknologi, regulasi, dan edukasi stakeholder. Temuan ini menegaskan bahwa keberhasilan penetrasi asuransi digital tidak hanya ditentukan oleh kesiapan teknologi, tetapi juga oleh sinergi antara regulator dan industri dalam membangun layanan digital untuk nasabah asuransi.   Kata Kunci: Inovasi digital, InsurTech, penetrasi asuransi, literasi digital, transformasi digital
Co-Authors Edy Setiadi Gerhad Lanuharsa Kusuma, Airlangga Surya Mulya Efendy Siregar Trioksa Siahaan