<![CDATA[Purpose: to analyze the influence of the quality of the Jamsostek Mobile (JMO) application, socialization, education level, and participant motivation on the level of understanding of old age security (OAS) claim calculations. Method: this study used a quantitative approach with a survey design, involving 287 OAS participants as respondents. Data were analyzed using multiple regression to test the relationship between independent variables and participant understanding levels. Findings: the quality of the JMO application, education level, and participant motivation had a positive effect on the level of understanding of OAS claim calculations, whereas socialization did not affect the level of understanding of OAS claim calculations. These findings emphasize the importance of a combination of quality facilities, participant motivation, and individual abilities in improving understanding, while providing information alone is not enough. Implications: this study strengthens key theoretical frameworks and provides practical guidance for developing effective applications and educational strategies to enhance participants’ understanding of OAS claims and independence. Originality: lies in its multidimensional approach, which combines internal and external factors, utilizes digital applications as an educational tool, and integrates theories to provide a comprehensive understanding of OAS claim participants.]]>
Copyrights © 2026
