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All Journal JMKSP (Jurnal Manajemen, Kepemimpinan, dan Supervisi Pendidikan) Jurnal Ilmiah Manajemen Kesatuan
Hernady, Joddy
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Economics, Econometrics & Finance Education Social Sciences

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Digitalization of Insurance Business Processes on Life Insurance Sales Productivity Hernady, Joddy; Syafei, M. Yani; Narimawati, Umi
JMKSP (Jurnal Manajemen, Kepemimpinan, dan Supervisi Pendidikan) Vol. 10 No. 1 (2025): JMKSP (Jurnal Manajemen, Kepemimpinan, dan Supervisi Pendidikan)
Publisher : Graduate Program Magister Manajemen Pendidikan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31851/jmksp.v10i1.18228

Abstract

Digital transformation in the insurance industry has become a crucial strategy for improving business efficiency and enhancing sales performance. This study examines the impact of business process digitalization on the productivity of life insurance sales, with agent work efficiency and technology adaptation as mediating variables. The research adopts a quantitative approach with an explanatory research design, using purposive sampling to collect data from insurance agents at MRT Agency- Prudential Indonesia who actively use the PruForce mobile application. The data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) to evaluate the relationships between variables. The findings indicate that business process digitalization positively influences sales productivity, both directly and indirectly, through increased work efficiency and agent technology adaptation. Agents who efficiently manage their tasks and quickly adapt to digital tools demonstrate higher sales performance. These results highlight the importance of equipping agents with appropriate training and technological support to maximize the benefits of digitalization in the insurance sector. This study contributes to the growing body of literature on digital transformation in financial services specifically in the insurance sector and provides practical insights for insurance companies to enhance digital adoption strategies among their sales force
Achieving Entrepreneurial Renewal in Resource-Constrained SMEs through Digital Platforms: A Process-Oriented Model Hernady, Joddy; Mariana, Brina
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 4 (2025): JIMKES Edisi Juli 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i4.3681

Abstract

Small and medium-sized enterprises are vital for economic growth but face challenges in adopting digital transformation due to limited resources. This study aims to explore how digital platforms enable these enterprises to achieve entrepreneurial renewal by developing a process-oriented model. Through a systematic literature review of 50 peer-reviewed studies published between 2010 and 2024, the research examines the role of digital platforms in fostering agility, experimentation, and capability-building across various sectors and regions. Findings reveal that internal drivers, such as entrepreneurial mindset and organizational learning, combined with external support from digital ecosystems and government policies, facilitate transformation. However, barriers like financial constraints, skill shortages, and infrastructural gaps hinder progress, particularly in rural or traditional enterprises. The study proposes a four-stage model Awareness and Motivation, Experimentation and Adoption, Reconfiguration and Scaling, and Strategic Renewal to guide enterprises through iterative transformation. This model emphasizes the dynamic interplay of internal capabilities and external opportunities. In conclusion, the framework offers a structured approach for small and medium-sized enterprises and policymakers to navigate digital transformation, addressing resource constraints and fostering sustainable innovation in diverse contexts.
Co-Authors Mariana, Brina Syafei, M. Yani Umi Narimawati