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All Journal Journal of Economic, Bussines and Accounting (COSTING) Community Engagement and Emergence Journal (CEEJ)
Nasyubun, M.
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Humanities Economics, Econometrics & Finance Education Environmental Science Health Professions

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Analisis Prediksi Kebangkrutan Perusahaan Asuransi Kerugian Di Indonesia Erizal, Erizal; Gunawan, Margaretha Michella; Nasyubun, M.
Journal of Economic, Bussines and Accounting (COSTING) Vol. 7 No. 2 (2024): 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/costing.v7i2.8901

Abstract

The application of the bankruptcy model using the Altman Z-score model is carried out to predict financial difficulties by using balance sheet analysis which can reflect the company's financial performance. Insurance companies are needed to minimize risks and uncertainties for futureprotection. Altman's Z-score model is analyzed through the calculation results if it is smaller than <1.1 it is concluded that the company is at high risk, if the calculation results are 1.1-2.6 it is concluded that the company is prone to bankruptcy, and if the calculation result is> 2.6 itcan be said that the company is healthy. So that the probability of bankruptcy can be estimated using the Z- score Altman method. This modeling can be used by insurance companies in making decisions. (MMG) Keywords: Bankruptcy, Financial Performance, Altman's Z-score Method
Systematic Literatur Riview: Strategi Penguatan Kualitas Agen Untuk Memajukan Pangsa Pasar Asuransi Umum Di Indonesia Sidik, syahrial; Wahyuari, Wahyuari; Nasyubun, M.
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 3 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i3.10532

Abstract

The general insurance industry in Indonesia faces the challenge of low market penetration (below 4%) due to minimal risk literacy and public trust. Insurance agents play a central role as educators and bridges of trust, but strategies to strengthen their position in emerging markets have not been explored holistically. This study aims to formulate strategies to strengthen agent quality in order to advance market share through a Systematic Literature Review (SLR) method using the TCCM (Theory, Context, Characteristics, Methodology) framework. Using the PRISMA 2020 protocol, this study selected 1,000 articles from the Google Scholar and Emerald Insight databases (2016–2026), resulting in 30 relevant final articles. The analysis results show a surge in post-pandemic research interest and a dominance of studies from emerging market contexts that emphasize the “Phygital” (Physical + Digital) approach. This study proposes the “Hybrid-Trusted Agent” model, which integrates digital competence, ethical behavior, and technical expertise as key determinants of market performance. In conclusion, the transformation from transactional sales to relationship marketing is essential to improve customer retention and sustainable market growth.
Co-Authors Erizal Erizal Gunawan, Margaretha Michella Syahrial Sidik Wahyuari, Wahyuari