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All Journal Journal of Economic, Bussines and Accounting (COSTING) International Journal of Engagement and Empowerment (IJE2) International Journal of Multidisciplinary Research and Literature (IJOMRAL)
Fandayani, Enno Karina
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Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Social Sciences Other

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INSURANCE AND ACTUARIAL OLYMPIAD TO INCREASE THE LITERACY OF SMA/SMK/MA STUDENTS IN INDONESIA Lie, Antonius Anton; Indra, I Made; Novika, Fanny; Awaloeddin, Mulawarman; Fandayani, Enno Karina
International Journal of Engagement and Empowerment (IJE2) Vol. 4 No. 3 (2024): International Journal of Engagement and Empowerment
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ije2.v4i3.178

Abstract

Insurance and Actuarial are interrelated disciplines. However, the level of public literacy in these two fields still needs to be higher, even though both have the potential to create economic stability in Indonesia. Therefore, increasing insurance and actuarial literacy in society is critical. This service activity allows the community, especially SMA/SMK/MA students, to increase insurance literacy through participation in Olympic activities. A total of 256 participants competed in the preliminary round, of which 68 advanced to the semifinal round, and finally, only 12 in the insurance and actuarial fields advanced to the final round. The preliminary and final rounds were held offline, while the final round was held online. In the final round, the finalists answered questions from judges who were experts in the insurance and actuarial fields and provided explanations of their answers to the public via the YouTube channel. This Olympic activity received a good response from practitioners in the insurance sector, who were impressed by the finalists' ability to provide excellent answers
RISK ASSESSMENT AND STAKEHOLDER ANALYSIS OF THE FREE NUTRITIOUS MEALS PROGRAM (MBG) FOR SCHOOL AGED CHILDREN IN INDONESIA Septivani, Nike; Indra P, I Made; Fandayani, Enno Karina; Maulana, Wahyu
International Journal of Multidisciplinary Research and Literature Vol. 4 No. 4 (2025): INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH AND LITERATURE
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ijomral.v4i4.353

Abstract

The Program Makan Bergizi Gratis (MBG) is a nationwide initiative launched by the Indonesian government to improve children’s health and reduce malnutrition through free nutritious meals in schools. While the program is a key pillar of Indonesia’s long-term development vision (Indonesia Emas 2045), its large-scale implementation presents significant risks across operational, financial, and governance domains. This study aims to identify and assess the key risks involved in the MBG program using the ISO 31000:2018 risk management framework and a qualitative descriptive approach. Data were collected through field observations, structured interviews, stakeholder questionnaires, and document analysis involving schools, catering service providers, and student beneficiaries. Risk levels were assessed based on probability and impact ratings, and further analyzed using a risk matrix and SWOT framework. Findings reveal that schools face the highest risk exposure, particularly in areas of delayed budget disbursement, food safety, and governance transparency. Catering providers reported medium risks related to delivery logistics and hygiene standards, while students expressed concerns primarily related to meal variety and portion sizes. Three priority risk categories were identified: financial uncertainty, food quality assurance, and program accountability. This study contributes to the growing literature on public nutrition policy and risk governance by providing evidence-based recommendations to enhance program implementation. Key recommendations include digital risk monitoring platforms, improved stakeholder coordination, food safety audits, and policy transparency mechanisms. By managing these risks proactively, the MBG program can be transformed into a sustainable and equitable intervention to improve child health and education outcomes in Indonesia.
ANALISIS PERLINDUNGAN DATA MEDIS NASABAH DI PERUSAHAAN ASURANSI JIWA Fandayani, Enno Karina
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 1 (2026): 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: 10.31539/40k96666

Abstract

Perkembangan teknologi digital dalam industri asuransi jiwa meningkatkan pemanfaatan data medis nasabah, yang sekaligus menimbulkan risiko terhadap perlindungan privasi dan keamanan data pribadi. Data medis merupakan data pribadi yang bersifat sensitif sehingga memerlukan perlindungan hukum yang memadai. Penelitian ini bertujuan untuk menganalisis pelaksanaan perlindungan data medis nasabah di perusahaan asuransi jiwa serta kesesuaiannya dengan Undang-Undang Nomor 27 Tahun 2022 tentang Perlindungan Data Pribadi dan peraturan Otoritas Jasa Keuangan. Penelitian ini menggunakan metode penelitian hukum empiris dengan pendekatan kualitatif deskriptif. Data diperoleh melalui wawancara dengan tiga informan yang terdiri dari dua perwakilan perusahaan asuransi jiwa dan satu perwakilan asosiasi, serta didukung oleh studi kepustakaan. Hasil penelitian menunjukkan bahwa perusahaan asuransi jiwa pada prinsipnya telah memiliki kebijakan perlindungan data medis nasabah. Namun, implementasinya belum optimal karena adanya perbedaan kebijakan internal, keterbatasan pemahaman sumber daya manusia, serta tantangan keamanan teknologi. Selain itu, kesadaran nasabah terhadap hak atas data medis masih terbatas. Penelitian ini menyimpulkan bahwa diperlukan penguatan kebijakan internal perusahaan, peningkatan kapasitas sumber daya manusia, serta pengawasan regulator yang lebih efektif guna menjamin perlindungan data medis nasabah di perusahaan asuransi jiwa.
ANALISIS KEBUTUHAN PENGUATAN KOMPETENSI SDM DI PERUSAHAAN ASURANSI JIWA BERDASARKAN SEOJK NO. 12/SEOJK.05/2025 Indra P, I Made; Novika, Fanny; Septivani, Nike; Fandayani, Enno Karina
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: 10.31539/2tzpkz06

Abstract

Penelitian ini bertujuan untuk memetakan kebutuhan penguatan kompetensi sumber daya manusia (SDM) di industri asuransi jiwa dalam konteks implementasi SEOJK No. 12/SEOJK.05/2025 tentang Sertifikasi Kompetensi Kerja. Dengan menggunakan pendekatan kualitatif deskriptif, data diperoleh melalui survei kepada regulator, asosiasi industri, perusahaan asuransi jiwa, serta karyawan dari berbagai level, dan dilengkapi studi dokumentasi atas regulasi dan standar kompetensi. Hasil penelitian menunjukkan bahwa industri telah memiliki 902 program pelatihan dan 316 program sertifikasi dengan total 1.113 modul, namun distribusinya masih dominan pada level dasar dan menengah. Analisis menunjukkan bahwa topik soft skills, life & investment-linked, serta digital skills menjadi fokus utama pelatihan, sementara sertifikasi lebih banyak berorientasi pada produk investasi dan manajemen risiko. Metode pembelajaran masih didominasi training tatap muka meskipun platform daring terus meningkat. Temuan ini mengindikasikan perlunya penguatan kompetensi tingkat lanjut, perluasan topik digital dan keberlanjutan, serta standardisasi model pembelajaran. Penelitian ini menghasilkan pemetaan ekosistem pelatihan, sertifikasi yang dapat menjadi dasar perumusan model kompetensi SDM berbasis KSA, pengembangan kurikulum pelatihan, serta rekomendasi kebijakan bagi regulator dan industri dalam meningkatkan kualitas SDM asuransi jiwa secara berkelanjutan.
Co-Authors Awaloeddin, Mulawarman I Made Indra Indra P, I Made Lie, Antonius Anton Nike Septivani Novika, Fanny Wahyu Maulana, Wahyu