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LEGAL AND ETHICAL ASPECT OF DOUBLE INSURANCE IN INDONESIA: A LITERATURE REVIEW Wongkar, Kanon Mommsen
Ultima Management : Jurnal Ilmu Manajemen Vol 15 No 1 (2023): Ultima Management : Jurnal Ilmu Manajemen
Publisher : Universitas Multimedia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31937/manajemen.v15i1.3011

Abstract- This paper examines the existence of legal as well as ethical aspects of marketing particularly in the insurance sector. The matter discussed in this paper is concerning double insurance practices whereas marketers within certain insurance companies still satisfy their customer with certain insurance coverage to any loss that is already covered under another insurance product with goal to gain profit from a claim. Insurance industry shows promising future recently. Nonetheless certain practices seem to break the rules. Among others is double insurance practices. Basically this is prohibited under Indonesian commercial code but somehow is still in practice nowadays. To avoid illegal as well as unethical activities concerning double insurance practices, it is required that Indonesia have National Database of Insurance Coverage where all coverages are registered under one system by which an insurance company may avoid double insurance prior to underwriting certain risk. This research is a literature research covering literature as well as regulation enforceable in Indonesia as well as other countries for comparison. The research shows that coordination of benefit and co-insurance mechanisms are allowed mechanisms of double insurance while the other mechanisms are prohibited. Principle of contribution and subrogation well known in insurance to avoid any loss caused by waiver and estoppel arisen from a double insurance practice. In managerial ground, ethical code of conduct as well as its application and evaluation is mandatory to avoid any possible flaw concerning double insurance. Keywords: Misrepresentation; Double Insurance; Marketing Ethics

Implementation of KYC Principles for Indonesian Payment Services Provider Wongkar, Kanon Mommsen
Journal of Accounting, Business and Management (JABM) Vol 32 No 1 (2024): Special Issue
Publisher : STIE Malangkucecwara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31966/jabminternational.v32i1.1453

Payment Services Providing is a bright yet simple business to run for it requires a merely reliable system to execute transactions among banks as well as other entities. Nevertheless, these services are also utilized by criminals such as terrorists and/or money launderers. This paper is aimed to discuss the complex yet necessary execution of Know Your Customers Principle for a PSP. This is a library research to collect and analyze secondary data covering law and business literature published within 5 years as well as any legislation concerning PSPs. The research concluded that KYC Principles are mandatory for PSP with activities to manage funds such as in the form of e-wallet. Secondly, KYC Principles are not mandatory for PSPs with only activities as payment aggregator, billing provider and/or remittance services provider. At this point, it is suggested firstly to complete the regulations concerning KYC Principles for Indonesian PSPs. Secondly, utilization of KYC Services requires advanced technology concerning the way to obtain customers data as well as its storage and access availability.

Digital Marketing Strategies among Traditional Healers in Solo and Wonosobo: Engaging Young Audiences Billy, Yohanes Langgar; Wahjuwibowo, Indiwan Seto; Wongkar, Kanon Mommsen
Jurnal Komunikasi dan Bisnis Vol. 13 No. 1 (2025): May - October 2025
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Institut Bisnis dan Informatika Kwik Kian Gie

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46806/jkb.v13i1.1393

Traditional healers in Solo and Wonosobo face increasing challenges in engaging young people, despite the widespread use of digital platforms by this demographic. This study explores the adoption of digital marketing strategies by traditional healers to enhance their outreach to youth. Employing a qualitative approach, semi-structured interviews were conducted with healers in both regions to examine their current practices and perceptions regarding digital engagement. The findings reveal that while a few healers, such as Ibu Ani, have effectively utilized platforms like TikTok and Instagram, most still rely heavily on word-of-mouth promotion. Limited use of digital media stems from a lack of technological skills and insufficient content tailored to youth preferences. The study is guided by Uses and Gratifications Theory to understand how young people seek and interact with online health content. The results suggest that to improve engagement, traditional healers should adopt more interactive and youth-oriented digital strategies, including collaboration with influencers and the use of culturally resonant content. These findings offer practical insights for revitalizing traditional medicine in the digital age.

LEGAL AND ETHICAL ASPECT OF DOUBLE INSURANCE IN INDONESIA: A LITERATURE REVIEW Wongkar, Kanon Mommsen
ULTIMA Management Vol 15 No 1 (2023): Ultima Management : Jurnal Ilmu Manajemen
Publisher : Universitas Multimedia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31937/manajemen.v15i1.3011

Abstract- This paper examines the existence of legal as well as ethical aspects of marketing particularly in the insurance sector. The matter discussed in this paper is concerning double insurance practices whereas marketers within certain insurance companies still satisfy their customer with certain insurance coverage to any loss that is already covered under another insurance product with goal to gain profit from a claim. Insurance industry shows promising future recently. Nonetheless certain practices seem to break the rules. Among others is double insurance practices. Basically this is prohibited under Indonesian commercial code but somehow is still in practice nowadays. To avoid illegal as well as unethical activities concerning double insurance practices, it is required that Indonesia have National Database of Insurance Coverage where all coverages are registered under one system by which an insurance company may avoid double insurance prior to underwriting certain risk. This research is a literature research covering literature as well as regulation enforceable in Indonesia as well as other countries for comparison. The research shows that coordination of benefit and co-insurance mechanisms are allowed mechanisms of double insurance while the other mechanisms are prohibited. Principle of contribution and subrogation well known in insurance to avoid any loss caused by waiver and estoppel arisen from a double insurance practice. In managerial ground, ethical code of conduct as well as its application and evaluation is mandatory to avoid any possible flaw concerning double insurance. Keywords: Misrepresentation; Double Insurance; Marketing Ethics

Artificial Intelligence for Inclusive Learning within Sharia Educational Ethics Lutfiani, Ninda; Wongkar, Kanon Mommsen; Mariyanti, Tatik; Muti, Rifqa Nabila; Rangi, Noah
Jurnal MENTARI: Manajemen, Pendidikan dan Teknologi Informasi Vol 4 No 2 (2026): March
Publisher : Pandawan Sejahtera Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/mentari.v4i2.930

The integration of Artificial Intelligence (AI) in education has created new opportunities to enhance inclusive learning across diverse educational contexts. In Islamic educational institutions, the adoption of AI presents a dual responsibility to embrace technological innovation while ensuring alignment with Sharia based ethical principles that emphasize justice, accountability, and respect for human dignity. This study investigates how AI is utilized to support inclusive learning within Islamic education settings in Southeast Asia using a qualitative descriptive approach with a multi-site case study design. Data were collected through semi-structured interviews with teachers, school leaders, and IT developers from selected Islamic educational institutions and analyzed using thematic coding techniques. The findings reveal that AI contributes positively to inclusive learning by enabling adaptive instruction, personalizing learning content, facilitating early identification of learning barriers, and supporting data-driven decision-making. When implemented within Sharia-compliant ethical frameworks, AI enhances fairness, balanced participation, and student engagement. However, the study also identifies several challenges, including limited content filtering mechanisms, insufficient data privacy governance, and the risk of algorithmic bias that may unintentionally marginalize certain student groups. This research highlights the importance of ethical governance and value-based AI design to ensure that AI adoption in Islamic education remains equitable, inclusive, and contextually appropriate. The findings provide strategic implications for institutional policy development, curriculum planning, and the long-term governance of AI-driven educational systems within Islamic educational environments.

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