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INDONESIA
International Journal of Business, Law, and Education
Published by IJBLE Scientific Publications Community Inc
ISSN : -     EISSN : 2747139X     DOI : -
Core Subject : Economy, Science, Education, Social,
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences Other
International Journal of Business, Law, and Education disseminates knowledge about Business, Law, and Education that useful to academics, educators, scholars, managers, practitioners, policy makers, consumers, and other stakeholders all around the world.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 687 Documents
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Analysis of Factors Causing Pending BPJS Health Claims for Inpatients at Kartika Husada Setu Hospital in 2024 Situmorang, Budi Asih; Aziz , Abdul; Hutapea, Fresley
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.1051

Abstract

This study is motivated by the high number of pending BPJS Health claims at Kartika Husada Setu Hospital. Pending claims can disrupt the hospital’s cash flow and potentially reduce the quality of healthcare services. The purpose of this research is to identify the factors causing pending BPJS Health claims for inpatient services at Kartika Husada Setu Hospital in 2024. This study employs a qualitative research approach with a retrospective design. Data were collected through in-depth interviews, direct observations, and document analysis. The informants included the hospital director, finance manager, service manager, head of the medical records unit, casemix staff, coder, and heads of inpatient wards. The findings indicate that the primary cause of pending claims is the mismatch in medical indications, accounting for 73 files (79.4%), followed by incomplete documentation in 4 files (4.4%), and inaccurate coding in 15 files (16.2%). The mismatch in medical indications often involves unmet emergency and inpatient criteria, as well as a lack of therapeutic evidence. Incomplete documentation is frequently found in medical summaries, while inaccurate coding results from differing interpretations between the hospital and BPJS Health verifiers. The hospital needs to enhance training for staff involved in the BPJS claims process, optimize the use of electronic medical record systems, improve coordination with BPJS Health verifiers, and establish a quality and cost control team. The implementation of these recommendations is expected to reduce the number of pending claims, thereby improving operational efficiency and the quality of healthcare services provided to patients.
Legal Aspects of use of QR Codes as a Tool of Payment in Cross Countries Tanto, Harnando; Pakpahan, Kartina; Pakpahan, Elvira Fitriyani
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.1034

Abstract

Bank Indonesia stated that currently QR-Code Indonesia can be used in Southeast Asia and Asian countries, better known as QR-Codecross border or QR-Code across countries. Bank Indonesia as the banking regulator in Indonesia continues to promote the use of QR-Codecross border as a substitute for currency. physical money so that it can be used by people who travel abroad or tourists to Indonesia and/or people who carry out cross-border transactions, but on the other hand there are no special regulations yet to ensure the security and comfort of the public in using QR-Code across borders. The research method uses a type of normative juridical research, namely research that focuses on the study of legislation and how the law works. The data collection method uses the library research method or library research using secondary data in the form of legislation, books and previous research using the descriptive analysis method. Analysis The form of QRIS regulation between countries is an agreement outlined in the form of an MoU cooperation document. There are 5 central banks that have signed, namely Bank Indonesia, Bank Negara Malaysia, Bangko Sentral Pilipinas, Monetary Authority of Singapore, and Bank of Thailand. Currently, its use is only based on a cooperation agreement between Bank Indonesia and the Central Bank of a foreign country or the provision of foreign payments. Regulations for cross-border QRIS use in Indonesia are currently only based on the Regulation of Members of the Board of Governors Number 21/18/Padg/2019 concerning the Implementation of the National Quick Response Code Standard for Payments.
Implementation of MC Kinsey's 7S Framework as a Strategy to Improve the Performance of Educational Institutions Jubaedah, Edah; Sudirman, Iman; Djulius, Horas
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.1041

Abstract

McKinsey's 7S framework is a tool used to analyze the internal aspects of a company's organization using 7 main elements: Strategy, Structure, System, Shared Values, Style, Staff and Skills. Institutional performance using the Nine Key Indicators Criteria, namely: Vision, Mission, Goals and Strategies; Governance, Governance and Cooperation; Students; Human Resources; Finance, Facilities, Infrastructure; Education; Research; Community Service; Tridharma Outputs and Achievements. This research was conducted through a qualitative approach with descriptive methods and using SWOT Analysis and Nvivo 12 For Windows Software so that accurate and detailed data were obtained involving ten key informants from Nurtanio University Bandung officials, resulting in a Strategy for Optimizing the Application of McKinsey's 7S Framework in Efforts to Improve the Performance of University Institutions. Unnur's functional strategies include: Human Resources Strengthening Strategy, Important Role of the Finance Department, Research and Development / Innovation Implementation Strategy, External Strengthening Strategy. With these strategies and programs, Unnur is expected to improve institutional performance.
Synergy and Accountability of Financial Supervision in Governance Pranomo, Sigit; Istislam, Istislam; Hadiyantina, Shinta
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.1042

Abstract

This research aims to analyze the implications of supervision that is not based on synergy and accountability and how the regulatory criteria are in accordance with the legislation. This research uses normative juridical research method with statutory approach and conceptual approach. The implications of supervision that is not synergistic and accountable can have conssequences in the form of the risk of corruption and budget abuse, inefficiency in managing state finances, and lack of transparency to the public. 2. The implications of non-synergistic and accountability-based oversight suggest that inefficient oversight increases the risk of corruption, budgetary misappropriation, and inefficiency in the management of the state budget. Furthermore, distorted transparency in the presentation of audit results reduces public confidence in the government's financial oversight system. Follow-up on irregularities is also slow due to differences in audit results and the absence of synergy between oversight institutions.
Analysis of the Relationship between Curriculum Quality, Facilities and Infrastructure, and Learning Time Management on Student Satisfaction in the Learning Process in High Schools Ratnasari, Shofia Annisa; Arifin, Arifin; Hidayat, Gustina
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.1056

Abstract

This study aims to examine the relationship between curriculum quality, educational facilities, and time management on student satisfaction in the learning process at High Schools. Using a quantitative approach with a stratified random sampling technique, the study involved 250 students from various High Schools. Data were collected using a structured questionnaire and analyzed through multiple linear regression with the help of SPSS software. The results showed that all three independent variables—curriculum quality, educational facilities, and time management—have a simultaneous and significant influence on student satisfaction. Among the three, curriculum quality has the most dominant effect, followed by educational facilities and time management. The coefficient of determination (R²) indicated that 37.7% of the variance in student satisfaction can be explained by the three variables. These findings highlight the importance of a relevant and flexible curriculum, adequate school facilities, and effective learning time management in improving students' learning experience.
The Effect of Financial Literacy, Lifestyle, and Social Media on Student Consumptive Behavior Jenanu, Jularia Ilsa; Andayani , Endah; Naim , Naim
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.1057

Abstract

The purpose of this study is to determine the impact of financial knowledge, lifestyle and social media on student consumption behaviors for economic education at PGRI Kanjuruhan University Malang. This study uses a quantitative approach with sample pickup technology, with 53 students, with sample pickup. The results showed that financial capacity in part had no significant impact on consumption behavior, lifestyle had a significant impact on consumption behavior, and social media had a significant impact on consumption behavior. At the same time, financial competence, lifestyle and social media have a major impact on student consumption. Based on these results, we can draw conclusions
The Role of Government in Fostering and Promoting Songkok MSME Products to Go International Nadliroh, Indah Datin; Sudarmiatin, Sudarmiatin; Handayati, Puji
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.1068

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are essential to the Indonesian economy. One is Songkok, which has strong cultural values ​​and a strong identity. Despite great growth potential, songkok products still face difficulties entering the international market. Therefore, the government's role is significant in fostering and promoting Songkok MSME products so that they can compete in the global market. Through various policies and support programs such as training, improving product quality and access to international marketing, the government is essential in creating opportunities for developing Songkok MSME actors. Promotion through digital platforms, international exhibitions and cooperation with other countries are strategic steps in introducing Songkok products to the global market. This article discusses the role of the government in supporting Songkok MSME actors so that their products can develop internationally, as well as the challenges and opportunities in the process. With the proper guidance, songkok products have the potential to be widely known and make a significant contribution to the Indonesian economy.
The Role of Talent Management and Employee Engagement in MSMEs Going International Rachmawati, Dita; Sudarmiatin, Sudarmiatin; Handayati, Puji
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.1070

Abstract

As micro, small, and medium enterprises (MSMEs) increasingly pursue international expansion, the role of human capital becomes a strategic determinant of success. This study examines the impact of talent management and employee engagement on the internationalization of MSMEs. Talent management practices—including recruitment, development, and retention of high-potential employees—are critical in building the capabilities required to compete in global markets. Simultaneously, high levels of employee engagement foster commitment, innovation, and adaptability, which are essential in navigating the challenges of international operations. Using qualitative and quantitative methods, this research identifies key strategies that link effective talent management and engagement practices with improved organizational performance in global contexts. The findings suggest that MSMEs investing in integrated talent and engagement strategies are better positioned to sustain growth and competitiveness beyond domestic boundaries.
Constitutional Parameters of Judicial Activism in the Indonesian Constitutional Court Faisyah, Nur; Safa'at, Muchamad Ali; Susmayanti, Riana
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.1073

Abstract

This study examines the evolving role of Indonesia's Constitutional Court, specifically the tension between its constitutional mandate as a negative legislator and instances of judicial activism approaching positive legislation. Using normative legal research methodology, the research analyzes two landmark decisions, No. 90/PUU-XXI/2023 and No. 62/PUU-XXII/2024, to distinguish between legitimate constitutional review and potential judicial overreach. The findings reveal that while judicial activism can strengthen constitutional checks and balances when properly constrained, it risks undermining democratic legitimacy when extending to the creation of new legal norms. The study proposes a five-parameter framework emphasizing constitutional supremacy, compelling justification, substantive justice conditions, procedural integrity, and institutional restraint to guide judicial interpretation within constitutional boundaries. This framework contributes to resolving the fundamental challenge of balancing judicial independence with democratic accountability in Indonesia's evolving constitutional landscape, ensuring the Court can effectively safeguard constitutional rights without compromising democratic processes.
Financial Control Further Improves the Financial Performance of MSMEs Towards Going International Djoewita, Djoewita; Sudarmiatin, Sudarmiatin; Handayati, Puji
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.1074

Abstract

This study examines financial literacy and technology's effect on the financial performance of Micro, Small, and Medium Enterprises (MSMEs), with financial control as a moderating variable. Using Partial Least Squares Structural Equation Modeling (PLS-SEM), data were collected from 364 MSMEs in Malang City, Batu City, and Malang Regency that target international markets from January to March 2025. The findings reveal that financial literacy, financial technology, and financial control significantly influence the financial performance of MSMEs. Notably, financial control strengthens the relationship between financial literacy and financial performance, but it does not moderate the effect of financial technology on financial performance. These results suggest that while both financial literacy and financial technology are critical for MSME growth, their effectiveness is enhanced when supported by robust financial control systems. The study recommends that MSMEs prioritize building strong financial control mechanisms from the early stages of business operations to maximize the benefits of financial literacy and technology adoption. In addition, as digital transaction methods continue to evolve, MSMEs must select and utilize appropriate financial technologies to improve service delivery and competitiveness in international markets. This research contributes to the growing body of literature on MSME development by providing empirical evidence of the moderating role of financial control and emphasizing the strategic alignment between financial literacy, control, and technology to drive financial performance and international readiness.

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