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All Journal EKSPANSI e-Jurnal Apresiasi Ekonomi
Harahap, Salwa Hayati
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ASEAN ECONOMIC TRANSFORMATION: THE ROLE OF FOREIGN INVESTMENT, HUMAN DEVELOPMENT, AND INFLATION STABILITY IN ECONOMIC GROWTH Harahap, Siska Permata Sari; Siregar, Suci Wulandari; Harahap, Salwa Hayati; Baihaqi, Muhammad Iqbal
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 17 No 1 (2025)
Publisher : Accounting Department, Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v17i1.6468

Abstract

Economic growth in the ASEAN region faces complex dynamics influenced by Foreign Direct Investment or (FDI), Human Development Index (HDI), and also Inflation. The aim of this examination and research is to analyze the simultaneous influence of these three variables on economic growth in ASEAN in the 2016-2023 period using the panel data regression method. The results show that FDI has a negative and insignificant impact, indicating that the utilization of foreign investment has not been maximized and has resulted in limited infrastructure and low levels of technology uptake in various ASEAN countries. Furthermore, HDI also provides a negative and insignificant influence, indicating that the quality of Human Resource (HR) has not provided a maximum increase in economic productivity. Meanwhile, inflation has a negative but insignificant effect, consistent with the theory that uncontrolled inflation can create macroeconomic instability and reduce purchasing power.
ANALYSIS OF FACTORS THAT INFLUENCE TRUST ISSUE SOCIETY ON LIFE INSURANCE PRODUCTS Harahap, Salwa Hayati; Inayah, Nurul; Arif, Muhammad
Jurnal Apresiasi Ekonomi Vol 13, No 3 (2025)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v13i3.991

Abstract

This study aims to analyze the factors influencing public trust in life insurance products in Indonesia. Using a qualitative approach, this study explores various factors contributing to low public trust, including a lack of understanding of life insurance products, negative experiences in the claims process, and the attitudes of insurance agents who lack transparency and tend to force sales. Furthermore, cultural and religious factors also impact public perceptions of life insurance. The results indicate that to increase public trust, insurance companies need to increase education and outreach, improve the transparency of product information, and optimize services, especially in the claims process. With these steps, it is hoped that public trust in life insurance products will increase, encouraging broader participation and the development of a healthier insurance industry in Indonesia.
Co-Authors Baihaqi, Muhammad Iqbal Harahap, Siska Permata Sari Muhammad Arif Nurul Inayah Siregar, Suci Wulandari