This article utilized data from the state registers of registered medications, medical supplies, and medical apparatus in No. 22 of 2018, No. 23 of 2019, No. 24 of 2020, No. 25 of 2021, and No. 26 of 2022 in the Republic of Uzbekistan. On the basis of the received data, a variety of analyses of nootropic medicines registered in the Republic of Uzbekistan were performed.
The insurance industry faces numerous challenges, including intensifying competition, shifting customer expectations, and disruptive technological advancements. To navigate these challenges successfully, insurance companies must embrace innovation in product development. This approach enables them to meet the evolving needs of customers, adapt to market changes, and deliver greater value to their clientele. In Indonesia specifically, insurance companies face the considerable challenge of low insurance penetration, which has remained stagnant over the past five years from 2017 to 2021 (AAJI, 2022). Furthermore, insurance literacy and inclusion levels are alarmingly low, standing at only 19.40% and 13.15%, respectively, significantly below the Indonesian averages of 38.03% and 76.19% (OJK, 2019). Considering these challenges, PT Delta Echo Lima Insurance (placebo name and hereinafter named “DELI”) aims to address these issues by developing innovative, customer-centric insurance products and aspires to launch a ground-breaking insurance concept in Indonesia targeting Millennials and Generation Z. This research focuses on analyzing the characteristics of the target market and examining the correlation between critical success factors as key dimensions of the concept test for innovative insurance products and their influence on perceived innovation, perceived value, perceived price, and purchase intention. Additionally, an overall relationship model is established to provide a comprehensive understanding of the interconnections between these variables. To gather data, a quantitative approach was employed, utilizing questionnaires as the primary research instrument. The aim was to collect responses from two distinct groups of participants: Millennials and Generation Z. The collected data was then processed using the SmartPLS 3.0 software application, enabling the application of Partial Least Square Structural Equation Modelling (PLS SEM) analysis to derive insights and draw conclusions. This research provides valuable insights into the influence of critical success factors of innovative insurance product development concept tests on various aspects, including perceived innovation, perceived value, perceived price, and purchase intention among Millennials and Generation Z. The findings shed light on the unique characteristics of these target markets and highlight the significance of perceived value in driving customers’ purchase intentions. By understanding these dynamics, insurance companies like PT DELI can better tailor their product development strategies to effectively cater to the needs and preferences of Millennials and Generation Z while addressing the challenges and opportunities within the Indonesian insurance industry.
Indonesia’s palm oil industry attracts international attention. Rapid development that changed the global competition of vegetable oil has several relevant social, economic, and environmental issues. The Human Capital Management division is one of the important actors in improving employee work performance, especially on the internal part of PT BGA, the development of human capital that has some knowledge management must be absolutely conducted by a company to support a competitive company in entering the globalization era. Nowadays, current issues, the employee gap, affects the company’s performance, and to deal with uncertain situations, the company’s strategy, especially the human capital division, needs to maximize not only financial and operational strength but also valuable knowledge. This research is qualitative through intense interviews and observed through spreading the question to the respondent with 7S McKinsey. Interviews are used as a data collection technique to find the problem that must be studied and also if researchers want to know things from respondents in more depth. The author is both analyses obtained through Primary Data (In-depth Interviews) and Secondary Data (Internal records, desk research, and company documents). Based on business issue exploration in chapter two of this research, there are issues business solutions can be improved as alternative solutions, it could be further developed into a more specific initiative base on McKinsey 7S element in order to optimize organization performance. Improve Knowledge Management System in Acquisition of Knowledge, Dissemination of Knowledge, Knowledge Store, and Application of Knowledge. In conclusion, Human capital is a very important part of companies, and for that, companies need good strategy and planning. One of the tools is using knowledge management which functions to collect, store, and share employee knowledge and experience to increase collective employee knowledge, increase productivity, and preserve critical information.
Financial services and products are getting more complex and difficult to comprehend for many consumers. Consumers with limited financial literacy may struggle to make wise decisions about their financial (investment) decisions. Financial literacy capital market in Indonesia still in lowest level. In addition, low financial literacy will increase the number of illegal investments. Throughout 2022, the Indonesian police have handled 28 illegal investment cases with a total loss of 31.4 trillion to the community. The victim also came from varied backgrounds, men and women, young and old, from those who did not go to school until undergraduates, from low-income to high. The purpose of this study is to determine the relationship between financial literacy, risk tolerance, and demographic factors toward investment decisions among Generation Z and millennials in Greater Jakarta and Greater Bandung. Variable financial literacy used in this study includes financial knowledge, behavior, and attitude. An online questionnaire was conducted and there were 216 respondents who participated in this research. A quantitative approach was used to analyze the data collected using multiple linear regression through SPSS. The study found that financial knowledge, financial behavior, financial attitude, age, and occupation have a significant effect on investment decisions. Meanwhile, risk tolerance, gender, and income do not have a significant effect on investment decision.
This study aims to: 1) determine the characteristics of discovery learning- based modules with HP QR scanner media to improve students’ problem-solving skills; 2) find out the feasibility of discovery learning-based modules with HP QR scanner media to improve students’ problem-solving skills; 3) knowing the effectiveness of discovery learning-based modules with HP QR scanner media to improve students’ problem-solving skills. This science learning tool development research uses the ADDIE procedure which consists of five stages, namely: 1) analysis, 2) design, 3) develop, 4) implementation, and 5) evaluation. The data analysis research instruments used were Aiken’s descriptive analysis and validity (score 0.87 with high validity category) for preliminary and feasibility studies and inferential analysis using independent t-test (score 0.000) to determine the effectiveness of development products on students’ problem-solving abilities. The study was conducted at SMA Batik 1 Surakarta with a sample of 32 grade X students. The conclusions of this study are: 1) the discovery learning-based module with HP QR scanner media developed has five main characteristics, namely: a) improving problem solving skills; b) concrete problem-based; c) student centered; d) discovery learning; and e) focusing on essential materials; 2) the discovery learning-based module with the developed HP QR scanner media was declared eligible (valid) for use in SMA/MA based on limited trial results and a validity score of 0.945 with a high validity category; 3) discovery learning-based modules with HP QR scanner media developed effectively improve students’ problem- solving abilities, with an experimental class n-gain score of 0.504 (upper medium) and control class 0.360 (lower medium).
The main role of a bank in economy of a country is becoming financial intermediary to collect money from depositories consisted of CASA & Deposit then give loans to debtors. Thus, CASA is essential for the banking sector to be channeled as loans. Bank Capital Power (not the actual name), experienced a decrease in CASA in 2021 due to the CASA was leaked to other banks for investment purpose. The management of BCP implemented Investment Training Project in Bandung Branch to train marketers in order to enhance the marketers’ capabilities. The purpose of the study is to evaluate the implementation of the project and advise Bank Capital Power on the project continuation. The data is a primary data collected from Bank Capital Power period October 2021 until December 2022. This study employed three methods to evaluate the Project namely CBA
(Cost-Benefit Analysis) and Difference Tests of Profit Generated using Kruskal-Wallis and Mann-Whitney U Test to see if the training profit result is statistically different. Result for the Cost-Benefit Ratio is 2.18597, indicating that the project generated positive result. In addition, Kruskal-Wallis and Mann Whitney Test result show that the project produced significant statistically different profit compared to the previous period.
Ministry of State-Owned Enterprise of the Republic of Indonesia (BUMN) recently created Ultra Micro Holding BUMN consisting of PT BRI (Bank Rakyat Indonesia), PT Pegadaian and PT PNM Permodalan Nasional Madani. Ministry of BUMN appoints PT BRI as the parent company. Ultra Micro Holding has a vision for the prosper of financial inclusivity by provide various conveniences and lower cost of borrowing funds with a broader reach, deepening of services, and sustainable community empowerment. The government want make Indonesia as developed countries by accelerating ultra-micro segment, through strengthening economic resilience and quality growth, reducing inequality, and improving the quality of human resources, especially Ultra Micro entrepreneurs through empowerment.
This research is aimed to help PT Bank Rakyat Indonesia to analyze the competitive landsacape of banking industry in Indonesia in ultra-micro segment.
The study aimed to assess social and psychological challenges facing orphaned children living in the orphanages in Tanzania. The motivational theory of Abraham Maslow guided this study with the use of the qualitative approach. In-depth interviews were employed to collect data from the research participants. The study was carried out in four orphanage centres within three wards in Dar es Salaam Region. A purposive sampling technique was employed to get 29 participants for this study. Specifically, the study intends to answer the following unexplored questions: i) What are the social challenges facing orphaned children living in the orphanages? ii) What are the psychological challenges facing orphaned children living in the orphanages? The findings revealed that in the orphanages orphaned children experienced various social challenges including shortage of basic needs, shortage of educational materials, and lack of sport gears as well as poor health services. They also faced psychological challenges like physical punishment, bullying behaviours from fellows, segregation, isolation and poor attachment from their caregivers. Such challenges are indicators for defining ineffectiveness of caregivers in providing psychosocial services to orphaned children. The study concluded that in the present context, orphanages are not a good residence for orphans’ psychosocial wellbeing due to shortage of funds and presence of untrained personnel. The study recommended that, the government should formulate interventional policies and enact laws which would look after the welfare of orphaned children rather than depending on the institutional Care.
Gisekia L. is a common ephemeral genus found in India. There is only one species recorded in all over India namely G. pharnaceoides and have two varieties namely var. pharnaceoides and var. pseudopaniculata. Currently according to plants of the world online database the var. pseudopaniculata has been considered as synonym of G. diffusa. Hence present investigation was done to check out the updating status of genus Gisekia L. in India and author has experienced that the var. pseudopaniculata found in India must be treated as G. diffusa. Since there are mere differences in both species hence in present investigation the new keys are introduced along with the digital photos of each plant parts for easy identification.
This thesis investigates the development of a food traceability system for the shrimp export industry at PT. Udang Maju Sejahtera (UMS). The primary objective was to enhance the transparency and accountability of the shrimp supply chain, thereby improving product quality and consumer trust.
The study employed a three-pronged approach: formulating a robust business strategy, innovating product development, and restructuring the organization into a cross-functional team. The business strategy focused on aligning the company’s operations with the emerging demands for food traceability in the export market. The product development innovation involved the creation of a traceability system that leverages advanced technology to track and record the journey of shrimp from farm to consumer.
The restructuring into a cross-functional team aimed to streamline the decision-making process and accelerate the development cycle. The results indicated that while PT. UMS’s strategy aligns with the industry’s direction towards increased traceability, the development process was time-consuming and required organizational restructuring.
The study concludes that the integration of a cross-functional team within PT. UMS could expedite the development and implementation of the traceability system, thereby enhancing the company’s competitiveness in the shrimp export industry. Recommendations for PT. UMS include enhancing innovation management, investing in advanced technology, collaborating with external partners, and adopting a culture of continuous improvement. Future research should explore the long-term impacts of these recommendations on the company’s performance and the traceability system’s effectiveness.
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