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All Journal IJEEM - Indonesian Journal of Environmental Education and Management Premium: Insurance Business Journal Journal of Innovation Research and Knowledge
Kurniartha, Alvernia
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences

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LAYANAN MOBILE SIMARI TERHADAP KEPUASAN ANGGOTA DI KOPERASI JASA SYARIAH MAMBAUL RIZKI INVESTAMA, CABANG KARAWANG, JAWA BARAT Sidik, Syahrial; Wahyuari, Wahyuari; Sapolo, Supriyadi; Kurniartha, Alvernia
Premium Insurance Business Journal Vol. 10 No. 2 (2023): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v10i2.200

Abstract

This study evaluates member satisfaction with Mobile SIMARI services at Mambaul Rizki Investama Sharia Services Cooperative, Karawang Branch, West Java. In the era of digitalization, Sharia Services cooperatives are adopting technology to simplify financial transactions. The SIMARI Mobile service was launched to provide easy transactions for cooperative members through features such as cardless cash withdrawals, credit top-ups, and bill payments. Using the Importance Performance Analysis (IPA) and Customer Satisfaction Index (CSI) methods, this study measures member satisfaction with Mobile SIMARI services. IPA results show that KJ2 and KJ6 services need to be improved, while other services are satisfactory. The CSI results show that the member satisfaction level reached 83.95%, indicating that this service is very satisfying. This research makes a significant contribution to the development of marketing strategies for Islamic services cooperatives, emphasizing the importance of digital technology integration in increasing member satisfaction and loyalty. The findings can serve as a reference for other cooperatives looking to adopt similar technologies to improve their service quality. Thus, Mambaul Rizki Investama Islamic Services Cooperative can be a pioneer in innovative and socially responsible business practices.
KUALITAS PELAYANAN PENDIDIKAN PADA STMA TRISAKTI DENGAN MENGGUNAKAN METODE EDUQUAL DAN IMPORTANCE PERFORMANCE ANALYSIS (IPA) Wahyuari, Wahyuari; Syahrial Sidik; Alvernia Kurniartha; Bunga Kalista
Journal of Innovation Research and Knowledge Vol. 5 No. 3: Agustus 2025
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the quality of educational services at STMA Trisakti by integrating the EduQual and Importance Performance Analysis (IPA) methods. EduQual is used to measure service quality based on five main dimensions: learning outcomes, responsiveness, physical facilities, personal development, and academics. Meanwhile, IPA is applied to map the gap between actual performance and student expectations, as well as to determine service improvement priorities. Data was collected through a questionnaire from 119 active students representing various programs of study and educational levels. The analysis results indicate that all service dimensions have negative GAP values, indicating that performance has not fully met student expectations. The dimensions with the largest GAPs were physical facilities and academic service responsiveness. IPA analysis reinforced these findings, prioritizing academic service responsiveness indicators as the top priority for improvement. This study contributes theoretically to the development of a service quality evaluation model based on a combination of EduQual and IPA, and practically provides strategic recommendations to STMA Trisakti for improving service quality and student satisfaction sustainably.
Pemberian Literasi Asuransi Kepada Guru di Jakarta Alvernia Kurniartha; Wahyuari Wahyuari
IJEEM - Indonesian Journal of Environmental Education and Management Vol. 10 No. 2 (2025): IJEEM: Indonesian Journal of Environmental Education and Management Volume 10
Publisher : Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/ijeem.v10i2.59062

Abstract

The insurance industry plays a crucial role in the economy. It plays an active role and drives other financial industry groups, such as banking. The insurance industry and the banking industry are linked through investment, credit risk management, payment systems and transaction flows, as well as joint product collaborations obtain benefit to both parties. The Strategic Program in the Insurance Roadmap optimizes the connectivity between insurance and banking to provide benefits to customers and the societies. In fact, the societies is more comprehensively familiar with the banking industry than the insurance industry. People prefer to protect their finances by saving and investing through banks. Data from National Financial Literacy Survey (SNLKI-2024) conducted by Otoritas Jasa Keuangan (OJK) and Badan Pusat Statistics (BPS) shows a gap of 9.59% between the financial literacy index and the national financial inclusion index in 2023. This indicates that 9.59% of Indonesians who use financial products/services still lack of financial literacy adequate. Improving financial literacy and inclusion is crucial because adequate financial literacy impacts consumers' ability to understand the information they receive and assess the benefits and risks inherent in each financial product and service. STMA Trisakti Lecturer had completed Pengabdian kepada Masyarakat (PKM) activity during semester of 2024/2025 to provide insurance literacy to school teachers in Jakarta, considering school’s teachers is one of the targets of SNLKI Strategy (2021-2025) to get financial literacy. Insurance literacy through this PKM activity is expected to continue in further semester with the same or different target participants (in accordance with SNLKI targets). The purposes are to assist the Government in increasing national financial literacy rates/index, particularly insurance literacy. Hoped it will increase public awareness, regarding the importance of insurance and to support the national insurance growth. Keywords: National Financial Literacy and Inclusion Index, Insurance Literacy, Indonesian National Financial Literacy Strategy (SNLKI), STMA Trisakti, Community Service (PKM), Teachers.
Pemberian Literasi Asuransi Kepada Mahasiswa : InsurTech - Revolusi Perkembangan, Mekanisme dan Peluang Karir di Era Digital Alvernia Kurniartha; Wahyuari Wahyuari
IJEEM - Indonesian Journal of Environmental Education and Management Vol. 11 No. 1 (2026): IJEEM: Indonesian Journal of Environmental Education and Management Volume 11
Publisher : Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/ijeem.v11i1.66465

Abstract

The insurance industry plays an important role in supporting national economic stability and growth, including supporting the banking sector through investment synergies, risk management, and product cooperation. However, public understanding of the insurance industry is still low compared to the banking sector. Data from the 2025 National Financial Literacy and Inclusion Survey (SNLIK) conducted by the OJK and BPS shows the insurance literacy index is 45.45% and insurance inclusion index is 28.50%. There is a gap, with the insurance literacy index 16.95% higher than the insurance inclusion index. However, the insurance literacy index remains below 50%. Therefore, regulators (OJK), insurance industry players, insurance associations, and Civitas Academica need to continue efforts to provide insurance literacy to the public to increase the insurance inclusion index. Furthermore, developing innovations, such as adopting and optimizing the use of technology in insurance operations and marketing, can also trigger the increasing of insurance inclusion in this digital era. Technological advances have created many new breakthroughs in the insurance business, named as Insurance Technology (Insurtech). Along with the development of Insurtech, new kind of jobs are emerging that require future human resources of digital insurance. For this reasons, lecturers at Sekolah Tinggi Manajemen Asuransi (STMA) of Trisakti conducted the activity of Pengabdian Kepada Masyarakat (PKM) by holding a digital insurance literacy and career preparation program for students. This activity aims to increase understanding of insurance (particularly digital insurance), promote insurance awareness, support the sustainable growth of the digital insurance industry, and provide students with information on how to prepare for work in digital insurance. Keywords: SNLIK 2025, Insurance Literacy, Insurance Inclusion, Insurtech, Digital Insurance.
Implementasi The Celestial Management Pada Perusahaan Asuransi Syariah di Indonesia Alvernia Kurniartha; Syahrial Sidik; Wahyuari Wahyuari
IJEEM - Indonesian Journal of Environmental Education and Management Vol. 11 No. 1 (2026): IJEEM: Indonesian Journal of Environmental Education and Management Volume 11
Publisher : Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/ijeem.v11i1.66490

Abstract

Implementasi POJK No. 11 Tahun 2023 yang mewajibkan pemisahan unit usaha syariah (spin-off) telah memaksa entitas untuk berdiri mandiri sebagai perusahaan full-fledged, termasuk industri Asuransi Syariah. Berdasarkan laporan Asosiasi Asuransi Syariah Indonesia (AASI), transisi ini menuntut kesiapan modal dan penguatan tata kelola yang jauh lebih kokoh dibandingkan saat masih berbentuk unit usaha. Namun, industri ini dihadapkan pada tantangan berat berupa krisis kepercayaan publik akibat kasus gagal bayar pada beberapa perusahaan asuransi besar yang disebabkan oleh kesalahan kelola investasi dan lemahnya pengawasan etika internal. Kepatuhan syariah secara formal saja tidak cukup, diperlukan integrasi nilai-nilai etik yang mendalam untuk menjamin keberlanjutan bisnis. The Celestial Management (TCM) atau Manajemen Langit menawarkan paradigma manajemen berbasis spiritualitas yang mengintegrasikan pilar 3W: Worship, Wealth, dan Warfare dan masing-masing nilai utama yang diturunkannya adalah Zero Base, Iman, Konsisten, Result Oriented (ZIKR); Power, Information, Knowledge, Reward (PIKR) dan Militan, Intelek, Kompetitif, Regeneratif (MIKR) sebagai indikator yang dapat menjadi parameter yang tepat dalam mengukur praktek spiritual manajemen dan sebagai landasan operasional perusahaan. Hal tersebutlah yang melatar-belakangi penelitian ini. Tujuan penelitian adalah : untuk mengetahui apakah TCM sudah diimplementasikan dalam manajemen Perusahaan Asuransi Syariah full-fledged di Indonesia? dan untuk mengetahui bagaimana profil implementasi pilar ZIKR, PIKR, dan MIKR pada perusahaan asuransi syariah full-fledged di Indonesia dan disparitas penerapan nilai-nilai tersebut mempengaruhi kualitas tata kelola di tengah tantangan krisis kepercayaan industri asuransi saat ini. Penelitian ini menggunakan metode kuantitatif deskriptif. Responden adalah karyawan dari 8 (delapan) sampel Perusahaan Asuransi Syariah Jiwa dan Umum (full-fledged), dengan total 100 responden mengisi kuisioner yang didesign menggunakan skala Guttman. Hasil penelitian menunjukkan bahwa rata-rata skor dari pengukuran 3 indikator TCM adalah 92,79%, yang artinya bahwa Perusahaan sudah sepenuhnya mengimplementasi-kan konsep TCM. Sedangkan implementasi indikator PIKR (Wealth) memiliki rata-rata skor terendah (89,20%) dibandingkan 2 variabel lainnya, terutama 1 (satu) Perusahaan yang skor PIKR-nya masih 70.0%. Ini menunjukkan bahwa aspek spiritualitas dalam konteks "distribusi kemakmuran" masih perlu diperkuat lagi. Selain itu, 2 dari 8 sampel Perusahaan (25%) memiliki skor di bawah 90%, diharapkan untuk melakukan evaluasi pada implemensistem Reward Distribution dan Information Sharing (bagian dari PIKR) agar selaras dengan prinsip manajemen langit.
Analisis Konten Promosi Produk Asuransi yang Memberi Kesan Positif Terhadap Pelanggan Alvernia Kurniartha; Achmad Sudiyar Dalimunthe; Rukaesih Achmad Maolani; May Rista Situmorang
IJEEM - Indonesian Journal of Environmental Education and Management Vol. 11 No. 1 (2026): IJEEM: Indonesian Journal of Environmental Education and Management Volume 11
Publisher : Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/ijeem.v11i1.66504

Abstract

Penelitian ini bertujuan untuk menganalisis konten promosi produk asuransi yang berkontribusi terhadap pembentukan kesan positif pelanggan. Relatif rendahnya tingkat literasi dan penetrasi asuransi di Indonesia menunjukkan perlunya strategi komunikasi promosi yang efektif, transparan, dan mudah dipahami oleh masyarakat. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei yang melibatkan 100 responden di wilayah DKI Jakarta. Data dikumpulkan melalui kuesioner terstruktur dan dianalisis menggunakan teknik statistik. Hasil penelitian menunjukkan bahwa konten promosi yang bersifat informatif, edukatif, transparan, menekankan manfaat produk, menonjolkan kemudahan proses klaim, didukung tampilan visual yang menarik, serta disertai social proof berpengaruh signifikan terhadap pembentukan kesan positif pelanggan. Temuan ini menegaskan pentingnya komunikasi promosi yang berorientasi pada pembangunan kepercayaan dalam industri asuransi serta memberikan kontribusi empiris bagi perusahaan asuransi dalam merancang strategi promosi yang lebih efektif guna meningkatkan kepercayaan pelanggan dan persepsi publik terhadap produk asuransi.
Co-Authors Achmad Sudiyar Dalimunthe Bunga Kalista May Rista Situmorang Rukaesih Achmad Maolani Sapolo, Supriyadi Syahrial Sidik Wahyuari Wahyuari, Wahyuari