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All Journal Journal of Social Research Premium: Insurance Business Journal AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Jurnal Multidisiplin Sahombu JRIIN :Jurnal Riset Informatika dan Inovasi TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan Journal Arbitrase : Economy, Management and Accounting Deliberatif IJEMA
Rakhman, Sitti
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Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Exploring Discretionary HR Practices and Human Resource Service Orientation on Employee Motivation and Performance at PT RAF: A Qualitative Study Based on Regulatory Focus Theory Widyarini, Rafyanti; Rakhman, Sitti
Journal Arbitrase : Economy, Management and Accounting Vol. 3 No. 02 (2025): Journal Arbitrase : Economy, Management and Accounting, July 2025
Publisher : Paspama Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58471/arbitrase.v3i02.172

Abstract

This study explores how discretionary human resource (HR) practices and HR service orientation influence employee motivation and performance at PT RAF, a general insurance company in Indonesia. Employing a purely qualitative approach through non-participant observation and in-depth interviews with employees and HR representatives, the findings reveal that HR practices at PT RAF remain largely administrative, with limited attention to career development, training, and employee involvement. A low HR service orientation further weakens the effectiveness of HR policies. Consequently, most employees exhibit a prevention-focused motivational pattern, prioritizing error avoidance over achievement. These findings highlight the need for HR transformation toward a more strategic and service-oriented role to foster promotion-focused motivation and enhance overall employee performance.
Analysis of the Role of Human Resources in the Implementation of Digitalization of Group Health Insurance Business Processes at PT KLM Insurance Natalia, Franciska; Rakhman, Sitti
Journal Arbitrase : Economy, Management and Accounting Vol. 3 No. 02 (2025): Journal Arbitrase : Economy, Management and Accounting, July 2025
Publisher : Paspama Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58471/arbitrase.v3i02.173

Abstract

Digital transformation in the insurance sector requires not only system renewal but also the readiness of human resources (HR) as the main driver of change. This study aims to analyze the role and preparedness of HR in supporting the digitalization of group health insurance business processes at PT KLM Insurance. Using a qualitative case study approach, data were collected through in-depth interviews with staff and management across key divisions. Findings reveal that digital competencies—both technical skills and soft skills such as adaptability and collaboration—are crucial for successful digitalization. However, challenges such as generational digital gaps, insufficient contextual training, and transitional workload hinder progress. Employee perceptions also show varied attitudes toward digitalization, highlighting the need for inclusive change management strategies rooted in a digital organizational culture. In conclusion, digital transformation success depends not only on technology but also on the full readiness and engagement of HR.
Level of Work Motivation: A Descriptive Study Using the Work Motivation Scale on Employees in the Operational Unit of PT. Insurance X, Jakarta Herawan, Budi; Rakhman, Sitti
Journal Arbitrase : Economy, Management and Accounting Vol. 3 No. 02 (2025): Journal Arbitrase : Economy, Management and Accounting, July 2025
Publisher : Paspama Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58471/arbitrase.v3i02.174

Abstract

Work motivation is a key factor influencing employee performance within an organization. This study aims to describe the level of work motivation among operational employees at PT. Insurance X, Jakarta, in 2025. Using a quantitative descriptive method, data were collected through the Work Motivation Scale (WMS), consisting of 12 Likert-scale items (1–5). The study involved all 20 employees in the operational unit who agreed to participate. Results indicate a moderate level of work motivation, with an average score of 41.8, ranging from 38 to 46. The most influential dimension was intrinsic motivation, particularly job satisfaction and the desire for self-development. The findings suggest that employees are not yet fully driven to perform their tasks optimally. Therefore, strategic HR interventions are recommended, such as providing training opportunities, recognizing employee contributions, and reviewing bonus and promotion systems to enhance work motivation and job satisfaction.
Income Exploration and Behavioral Bias in Insurance Customers’ Decision-Making: A Qualitative Study at PT Asuransi BDIR Irawan, Bayu; Rakhman, Sitti
Journal Arbitrase : Economy, Management and Accounting Vol. 3 No. 02 (2025): Journal Arbitrase : Economy, Management and Accounting, July 2025
Publisher : Paspama Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58471/arbitrase.v3i02.175

Abstract

This study aims to explore the influence of income levels on behavioral bias tendencies among insurance customers in their decision-making at PT Asuransi BDIR. A qualitative approach with a case study method was employed to gain an in-depth understanding of how biases such as loss aversion, overconfidence, availability bias, and status quo bias emerge in decisions to purchase, retain, or cancel insurance policies. The informants included customers from three income categories (low, middle, and high), as well as two insurance agents and one customer service staff for source triangulation. Data collection techniques involved in-depth interviews, non-participant observation, and documentation, analyzed through thematic analysis. The findings indicate that income moderates the presence of certain behavioral biases. Low-income customers tend to exhibit defensive biases such as loss aversion and availability bias, while high-income customers are more prone to overconfidence and mental accounting. These findings highlight the need for tailored communication and education approaches based on customer behavioral characteristics. The study recommends implementing behavior-based education strategies, behavioral coaching training for agents, and psychographic segmentation to enhance communication effectiveness and policy retention.
Determinant of Organizational Innovation: Literature Review Rakhman, Sitti
AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Vol. 4 No. 1 (2024): AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmeb.v4i1.663

Abstract

Organizational innovation is an important factor for companies to achieve more competitive performance. Understanding how innovation capabilities emerge, develop, and apply can make important managerial scientific contributions. This study investigates the results of the main study on the determinants of organizational innovation capability, suggests some theoretical propositions for further studies based on the literature review. This study aims to identify the determinants of organizational innovation capability and the context in which the study is conducted. We identified and analyzed 43 articles through content analysis via Google Scholar. This study presents several results of studies on innovation capability in organizations, which are divided into determinants, internal, external aspects, and a collection of propositions to guide a research project in depth in questions that will be tested in further research. This study also makes a practical contribution, as it shows in which context each study of the identified determinants of innovation capability is applied.
Keterwakilan SDM Perempuan dalam Politik di Indonesia Sitti Rakhman
Jurnal Deliberatif Vol. 1 No. 1 (2023): Desember 2023
Publisher : Jaringan Pemberdayaan Politik Lingkungan Hidup

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Abstract

This study aims to find a contextual model of women's human resources in politics in Indonesia in order to achieve a representation of 30 (thirty) percent or more. The method of collecting primary and secondary data is by in-depth interviews with two key informants from election organizers, one FGD law, & documentation of the 2004 to 2019 election law. The data analysis method uses descriptive qualitative analysis with a combination of article analysis related to the representation of women in the election law from 2004 to 2019 using a feminist legal perspective. The results of the study show that the Conceptual model of representing women's human resources in politics in Indonesia needs to be affirmed through revisions to the election law and political parties changing the words "paying attention" or "considering" to the words "include or include" women accompanied by strict sanctions.
Analisis Penerapan Pengambilan Keputusan Ekonomi Pada Perusahaan Asuransi Umum Joint Venture Jepang XYZ Deasy Faradilla; Hadi Sutopo; Ahmad Romdhoni Arief; Sitti Rakhman
Jurnal Deliberatif Vol. 1 No. 2 (2024): Juni 2024
Publisher : Jaringan Pemberdayaan Politik Lingkungan Hidup

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Abstract

Abstrak: Penelitian ini membahas bagaimana penerapan pengambilan keputusan ekonomi pada perusahaan asuransi umum joint-venture Jepang XYZ. Tujuan penelitian ini adalah untuk menganalisis bagaimana perusahaan asuransi umum joint-venture Jepang XYZ mengambil keputusan secara ekonomi. Metode penelitian ini menggunakan kajian pustaka (literature review). Hasil penelitian menunjukkan bahwa perusahaan asuransi joint venture XYZ mengambil keputusan berdasarkan hasil diskusi 4 direksi yang mempertimbangkan pendapat para direksi dan karyawan. Abstract: This research discusses how economic decision making is implemented in the Japanese joint-venture general insurance company XYZ. The purpose of this research is to analyze how the Japanese joint-venture general insurance company XYZ makes economic decisions. This research method uses a literature review. The results showed that XYZ joint venture insurance company made a decision based on the results of a discussion of 4 directors who weighed the opinions of directors and employees.
Hubungan Antara Peningkatan Sumber Daya Manusia dan Peningkatan Bisnis di Perusahaan Asuransi Edison Edison; David Satria Jaya; Yudi Satrianto Soewondo; Dr. Sitti Rakhman
Jurnal Deliberatif Vol. 2 No. 2 (2024): Desember 2024
Publisher : Jaringan Pemberdayaan Politik Lingkungan Hidup

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Abstract

Abstraksi adalah konsep penting untuk memahami hubungan antara pengembangan sumber daya manusia (SDM) dan perbaikan bisnis, terutama di industri asuransi. Dalam perubahan cepat di dunia bisnis, perusahaan asuransi harus membuat strategi pengembangan SDM yang tidak hanya meningkatkan keterampilan dan pengetahuan karyawan, tetapi juga mendorong inovasi dan peningkatan kinerja. Pendekatan terencana dalam pengembangan SDM dapat menghasilkan karyawan yang lebih fleksibel dan cepat tanggap terhadap tantangan pasar, sehingga meningkatkan efektivitas organisasi secara keseluruhan. Lewat abstraksi, kita bisa melihat pola keterkaitan antara pelatihan, pengembangan kemampuan, dan hasil bisnis, sehingga membantu dalam merencanakan langkah-langkah strategis untuk mencapai tujuan perusahaan. Dengan demikian, pengembangan SDM yang diatur dan strategis bukan hanya investasi pada karyawan, tetapi juga dasar penting untuk pertumbuhan dan keberlangsungan perusahaan asuransi.
Evaluasi Kinerja Business Development di Perusahaan Pialang Asuransi: Terkait Sumber Daya Manusia, Perilaku Ekonomi, dan Pembuatan Keputusan Ekonomi Aziz Uktolseja; Henny Maharany; Sisca Novita; Sitti Rakhman
Jurnal Deliberatif Vol. 2 No. 2 (2024): Desember 2024
Publisher : Jaringan Pemberdayaan Politik Lingkungan Hidup

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Abstract

Evaluasi kinerja business development (BD) pada perusahaan pialang asuransi merupakan aspek yang sangat penting untuk menjamin kelangsungan dan pertumbuhan perusahaan. Penelitian ini berfokus pada tiga dimensi utama yang mempengaruhi kinerja BD, yaitu Sumber Daya Manusia (SDM), perilaku ekonomi, dan pembuatan keputusan ekonomi. Tujuan penelitian ini adalah untuk mengidentifikasi faktor-faktor yang mempengaruhi kinerja BD dan mengembangkan model evaluasi yang komprehensif berdasarkan ketiga dimensi tersebut. Penelitian ini menggunakan pendekatan kualitatif dan kuantitatif, dengan pengumpulan data melalui survei, wawancara mendalam, serta analisis dokumen. Hasil penelitian menunjukkan bahwa kualitas SDM yang terampil, perilaku ekonomi yang responsif terhadap dinamika pasar, dan proses pengambilan keputusan yang efektif sangat berpengaruh terhadap kinerja BD. Rekomendasi yang diberikan mencakup peningkatan kompetensi SDM, pemahaman perilaku ekonomi, serta optimalisasi pembuatan keputusan melalui teknologi dan komunikasi yang lebih baik.
Pengaruh Sertifikasi Keahlian Asuransi Dalam Keberhasilan Pengelolaan Perusahaan (Study Kasus Pada Perusahaan Asuransi Di Jakarta) Purwo Nugroho; Andrianus Suprastio; Masadjie; Sitti Rakhman
Jurnal Deliberatif Vol. 2 No. 2 (2024): Desember 2024
Publisher : Jaringan Pemberdayaan Politik Lingkungan Hidup

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Abstract

ABSTRAK Keberhasilan pengelolaan perusahaan asuransi sangat bergantung pada kualitas sumber daya manusia (SDM) yang dimiliki. SDM yang memiliki sertifikasi keahlian asuransi diyakini memiliki kompetensi teknis dan manajerial yang lebih baik dibandingkan dengan mereka yang tidak bersertifikasi. Sertifikasi tersebut memberikan pengakuan formal atas kemampuan seseorang dalam bidang tertentu, yang mencakup pemahaman terhadap prinsip-prinsip dasar asuransi, manajemen risiko, dan regulasi yang berlaku. tujuan penelitian ini adalah pengaruh sertifikasi keahlian asuransi terhadap keberhasilan pengelolaan perusahaan (Study Kasus Pada Perusahaan Asuransi Di Jakarta). Penelitian ini menggunakan pendekatan kuantitatif berdasarkan informasi statistika. Hasil penelitian ini adalah bahwa sertifikasi keahlian asuransi memiliki pengaruh yang signifikan terhadap keberhasilan pengelolaan perusahaan. Kata Kunci: sumber daya manusia, sertifikasi keahlian asuransi, keberhasilan pengelolaan perusahaan ABSTRACT The success of insurance company management is highly dependent on the quality of human resources (HR) owned. HR who have insurance expertise certification are believed to have better technical and managerial competence compared to those who are not certified. The certification provides formal recognition of a person's ability in a particular field, which includes an understanding of the basic principles of insurance, risk management, and applicable regulations. The purpose of this study is the effect of insurance expertise certification on the success of company management (Case Study of Insurance Companies in Jakarta). This study uses a quantitative approach based on statistical information. The results of this study are that insurance expertise certification has a significant influence on the success of company management. Keywords: human resources, insurance expertise certification, success of company management
Co-Authors Ahmad Romdhoni Arief Andrianus Suprastio Angky Sasongko Aris Wisnuaji Ashar Azhari, Ihsan Aziz Uktolseja Bambang Suseno Bayu Irawan, Bayu Budhialon, Poltak Robert Chandra, Kris Edwin David Satria Jaya Deasy Faradilla Debora, Selviya Edison Edison Erikman Farianto Fatwah, Muhammad Imam Ferry Kurniawan Cahyadi Fresitinawati, Senintyas Hadi Irawan Hadi Sutopo Hari Purwanto Henny Maharany Herawan, Budi Hilda Nurasyifa Husni Barkah, Muhammad I Wayan Kamika Johanes RMP, Timbo John Manumpak Parulian M Khufron Marsillak Sautmartua Simorangkir Marzuki, Nefertiti Masadjie Mohamad Wafdy Muhammad Fahri, Muhammad Muhammad Iqbal Natalia, Franciska Nina Rohmadhani Nurrahim, Eka Julianti Purwo Nugroho Rakhmad Mujoko Ramadhan, Handihka Sari, Yulia Indah Permata Sasongko, Angky Budi Setiawan, Muhammad Raja Nararya Sisca Novita Supriyanto Sutrimo Teguh, Saeful Hadi Widyarini, Rafyanti WULANDARI, VIKA Yudi Satrianto Soewondo