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Puspitaloka Mahadewi, Erlina
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The Influence of Promotion, Service Quality, Brand Image On Indomaret Customer Satisfaction and Loyalty Yunita, Fina; Puspitaloka Mahadewi, Erlina
International Journal of Science, Technology & Management Vol. 6 No. 3 (2025): May 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i3.1299

Abstract

The supermarket sector in Indonesia has shown significant growth over the past few years and is predicted to continue to grow in the future. The purpose of this study was to determine how promotion, service quality, and brand image impact customer satisfaction and customer loyalty, especially Indomaret customers in west Jakarta Indonesia. This study involved the use of quantitative techniques. The population to be studied was Indomaret customers in west Jakarta Indonesia in year 2024 to 2025. Furthermore, for sampling, a nonprobability sampling method with a purposive sampling technique was used. The research sample was 130 people. Smart PLS software was used to perform data analysis with the Structural Partial Least Square Equation Model (SEM-PLS). The results of this study indicated that promotion, service quality, and brand image have an impact on customer satisfaction. In addition, service quality and brand image had a positive impact on customer loyalty. The level of customer satisfaction positively influences customer loyalty. This study was expected to help Indomaret to improve customer satisfaction and customer loyalty. Furthermore, this study can serve as a reference for future research on promotion, service quality, brand image, customer satisfaction, and customer loyalty.
An Overview in Adverse Selection: A Case Study in Indonesia Healthcare Insurance Dita Rahadian, Dhimas; Rizqi Yanuar Setyowati, Monica; 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.v5i2.343

Abstract

This study analyzes adverse selection in health insurance poses a significant challenge to the sustainability of insurance schemes, particularly in developing countries where enrolment is voluntary and insurance literacy is low. Information asymmetry between participants and insurers often results in higher-risk individuals dominating the pool, threatening the program’s financial stability. This study aims to synthesize findings from various studies on adverse selection in health insurance, identifying common patterns, causal factors, and mitigation strategies. A systematic literature review approach was used to examine about 40 selected articles published between 2012 and 2025 related to adverse selection in different types of health insurance schemes (public, private, and community-based). Literature was sourced from academic databases such as Google Scholar, PubMed, and others, using specific boolean keyword combinations. Adverse selection was found to be most prevalent in voluntary schemes in developing countries. In contrast, evidence from some developed nations indicated advantageous selection. Mitigation strategies such as premium subsidies, risk-based premium setting, risk pooling, and improving insurance literacy proved effective in reducing negative selection. Advanced technologies like big data and machine learning also showed promise in managing risk profiles. Addressing adverse selection requires a multi-dimensional approach involving public policy, financial incentives, and technological innovation. A combination of mandatory enrolment, risk adjustment, targeted subsidies, and improved literacy is essential for building a sustainable and inclusive health insurance system.
The Moral Hazard Phenomenon in Health Insurance: A Review of Driving Factors and Control Strategies Christine, Grace; Anindhita Sekarsari, Ayu; Irawan, Budy; 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.v5i2.348

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 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.
Co-Authors Agus Firmansyah Agustina, Ariska Agustini, Purwanti Amnurokhim Malahade, Mohammad Anindhita Sekarsari, Ayu Arnastya Iswara Sanantagraha, Arnastya Iswara Sanantagraha Asri Baharsyah, Nurul Aura Prizi, Jeane Baransano, Karolina Basirah Mulya, Ainur Benny Aurixon, Tumpak Chairun Nisa, Puspita Christine Saragih, Runggu Christine, Grace Daru Asih Darwono, Darwono Destya Arini, Kartika Dickson, Dickson Dita Rahadian, Dhimas Dormaida Silaban, Sondang Dudi Permana Dwi Muthashani, Femy Esther, Sonya Evehulisa Pinem, Sri Ewi, Yulidar Fachmi Tamzil Farkhanah, Anah Green Nego, Ingrid Handayani, Rani Harahap, Arman Harjanto Prabowo Hermawati, Siska Heryana, Ade Irawan, Budy Iswara Sanantagraha, Arnastya Jumarno, Jumarno Kusumastuti Setianingrum, Evi Leslie Hendric Spits Warnars, Harco Liska Suspenny , Nurmiati Mandala Putra, Juniawan Maratis, Jerry Meilindawaty Situmorang, Clara Muchtadin, Muchtadin Muhamad Ikhsan Mulyo Wiharto Muniroh, Muniroh Mustajab, Fuad Novia Laras, Dewi Novita Novita Novita Savitri, Elfrida Nurhasanah, Imas Nurlestari, Astri Nurlianti, Ice Nurmawaty, Dwi Nurmiati Nurmiati Oktaviani Yustedjo, Dika Ozays , Mehmet Pamungkas, Ario Panigoro, Erwin Pantja Djati, Sundring Paramita Putri, Prima Parlindungan, Hotmada Prayitno, Lukman Probo Astuti, Dewi Putri Iskandar, Olivia Putri Kencana, Yunita Reza Hilmy, Mohamad Rizqi Yanuar Setyowati, Monica Sfenrianto, Sfenrianto Silviana Mustikawati, Intan Sopian, Arip Sriwahyuni Batubara, Wiwik Sujatmiko, Putih Sukardi Sukardi Sulatriningsih, Sri Sunardi, Didin Suryari Purnama Susanti Susanti Trinarsih, Trinarsih Veranica, Romauli Wayamah , Cucu Widia Hadi, Ilma Widyadhari, Elysia Winarti, Syari Yulita, Hanna Yunita, Fina Zairil, Zairil