Jurnal Universitas 17 Agustus 1945 Surabaya
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Can Sustainability Report Disclosure Influence the Valuation of Insurance Companies?
Get PDFThe Association of Indonesian Life Insurance Companies (AAJI) has encouraged insurance companies to apply environmental, social, and governance (ESG) principles in their business activities. However, insurance companies in Indonesia generally have not fully implemented sustainability principles in their operational activities due to the uncertainty of increased fi rm values after the implementation. One way to communicate the company's sustainability steps is through the sustainability report (SR), which the Financial Services Authority (OJK) obliged. Although the guidelines had already been prepared in 2021, the depth and breadth of the disclosure depend on each company. Previous studies found that several factors aff ect SR disclosure. This study aims to investigate the role of profi tability and fi rm size as determinants of SR disclosure and the eff ect of SR disclosure on company value. The sample of this study was 15 insurance companies listed on the Indonesia Stock Exchange (IDX) that routinely published SR during the 2021-2023 period. The data was processed using Partial Least Squares - Structural Equation Modelling (PLS-SEM) through SmartPLS ver—3 software. The results of this study show that (1) profi tability has a positive eff ect on SR disclosure, (2) company size has a positive eff ect on SR disclosure, and (3) company size has a positive eff ect on company value
The Economic Implications of Cryptocurrency Adoption in Emerging Markets
No full textThis study examines the economic implications of cryptocurrency adoption in emerging markets, with particular emphasis on its potential to promote financial inclusion, reshape monetary policy frameworks, and facilitate cross-border trade. Emerging economies face persistent challenges such as limited access to banking services, high remittance costs, and vulnerability to currency instability, all of which create fertile ground for the adoption of digital assets. Cryptocurrencies, supported by blockchain technology, offer decentralized alternatives that can bypass traditional financial intermediaries and provide low-cost, efficient, and accessible financial services to underserved populations. At the same time, their integration into fragile financial systems raises important concerns about volatility, regulatory uncertainty, and the erosion of monetary sovereignty. To address these dynamics, this research adopts a mixed-methods approach that combines econometric modeling with qualitative policy analysis. Panel regression and instrumental variable techniques are employed to evaluate the relationship between cryptocurrency adoption, financial inclusion, and macroeconomic indicators across a sample of emerging markets from 2015 to 2025. Complementary qualitative data, including policy reports and expert interviews, are analyzed thematically to capture the perspectives of regulators, entrepreneurs, and development practitioners. The findings reveal that cryptocurrency adoption contributes positively to financial inclusion and lowers remittance transaction costs, particularly in countries with large unbanked populations and remittance-dependent households. However, widespread adoption also introduces risks, including exchange rate volatility, reduced effectiveness of monetary policy, and heightened exposure to illicit financial activities. By integrating empirical evidence with policy insights, this study advances the literature on digital finance and offers context-sensitive recommendations for the sustainable adoption of cryptocurrencies in developing economies
Evaluation of Non-Cash Food Assistance Program in Improving Community Welfare in Serut Village, Panti District, Jember Regency
Get PDFThis study aims to determine the results of the evaluation of the Non-Cash Food Assistance Program (BPNT) in improving community welfare in Serut Village, Panti District. The research method used is qualitative, which will produce descriptive data in the form of words and describe phenomena related to the program. The data collection techniques used are observation, interviews, and documentation. The number of informants used is seven people. The data analysis techniques used are data collection, data condensation, data presentation, and drawing conclusions.. The results of the study showed several criteria, namely: effectiveness in the Non-Cash Food Assistance Program (BPNT) in Serut Village, Panti District, is considered less effective because the recipients of the assistance still use old data, while the current community economy has changed. Efficiency is present because, in this case, the mechanism for receiving assistance is made flexible—aid can be taken anywhere—which makes it easier and remains within the concept of utilizing existing resources. Adequacy is achieved because the program can already meet food needs by reducing expenses. Uniformity is shown in the equal amount of assistance received by all recipients. Responsiveness is demonstrated by the good response to handling community complaints, and the Non-Cash Food Assistance Program (BPNT) implemented by the government can meet or respond to the real needs of the community.Penelitian ini bertujuan untuk mengetahui hasil evaluasi program bantuan pangan non tunai (BPNT) dalam meningkatkan kesejahteraan masyarakat di Desa Serut Kecamatan Panti. Metode penelitian yang digunakan adalah kualitatif, yang akan menghasilkan data deskriptif berupa kata-kata dan menggambarkan fenomena tentang program tersebut. Teknik pengumpulan data yang digunakan berupa observasi, wawancara dan dokumentasi. Jumlah informan yang digunakan sebanyak 7 orang. Teknik analisis data yang digunakan berupa pengumpulan data, kondensasi data, penyajian data dan penarikan simpulan. Hasil penelitian menunjukkan beberapa kriteria yaitu Efektivitas dalam program bantuan pangan non tunai (BPNT) di Desa Serut Kecamatan Panti yaitu kurang efektif karena penerima bantuan masih menggunakan data lama, sedangkan perekonomian masyarakat saat ini sudah berubah. Efisiensi karena dalam hal ini mekanisme pengambilan bantuan dibebaskan dimana saja agar lebih mudah dan tetap pada konsep pemanfaatan sumber daya yang ada. Kecukupan sudah dapat memenuhi kebutuhan pangan karena mengurangi pengeluaran. Persamaannya semua sama mengenai jumlah bantuan yang diterima. Responsivitas mempunyai respon yang baik dalam menangani pengaduan masyarakat dan Program Bantuan Pangan Nontunai (BPNT) yang dilaksanakan pemerintah dapat memenuhi atau merespon kebutuhan riil yang sangat dibutuhkan masyarakat
Keadilan Administratif dalam Sistem Distribusi Bantuan Sosial Berbasis Algoritma: Studi tentang Transparansi Digital dalam Layanan Publik di Indonesia
No full textThis study investigates the concept of administrative justice within algorithm-based decision systems used in distributing social assistance programs in Indonesia. The research aims to evaluate the extent to which digital transparency is upheld in these automated public service mechanisms. Employing a qualitative approach based on secondary data, the study analyses policy documents, regulatory frameworks, technical algorithm manuals, government reports, and investigative journalism from multiple regions. Data were examined through qualitative content analysis. The findings indicate that algorithmic opacity, limited public communication regarding eligibility criteria, and weak regulatory oversight hinder the realization of administrative justice. This article makes a significant contribution to public administration literature by integrating the ethical and administrative dimensions into the study of algorithmic governance. It offers a critical assessment of digital governance practices in an emerging economy and advocates for the ethical implementation of algorithms in the public sector.Penelitian ini mengkaji konsep keadilan administratif dalam konteks sistem pengambilan keputusan berbasis algoritma yang digunakan dalam distribusi program bantuan sosial di Indonesia. Studi ini bertujuan untuk menilai sejauh mana prinsip transparansi digital diterapkan dalam mekanisme layanan publik yang terotomatisasi tersebut. Dengan menggunakan pendekatan kualitatif berbasis data sekunder, penelitian ini menganalisis dokumen kebijakan resmi, kerangka regulasi, manual teknis algoritma, laporan pemerintah, serta laporan investigatif dari berbagai wilayah. Data dianalisis melalui teknik analisis isi kualitatif.
Temuan penelitian menunjukkan bahwa ketertutupan algoritmik, kurangnya komunikasi publik terkait kriteria kelayakan, serta lemahnya pengawasan regulatif menjadi penghambat bagi terwujudnya keadilan administratif. Studi ini memberikan kontribusi terhadap literatur administrasi publik dengan menyajikan penilaian kritis atas praktik tata kelola digital di negara berkembang, serta menyerukan pentingnya penerapan algoritma yang etis dalam sektor publik.
Kata kunci: bantuan sosial, etika sektor publik, keadilan administratif, tata kelola algoritmik, transparansi digita
Jasa Konsultasi Berkualitas Penyusunan Kontrak Pelebaran dan Rekonstruksi Jalan BTS di Kabupaten Nganjuk – BTS Kota Kediri (Link 175): Quality Consultancy Services for Preparing the Contract for Widening and Reconstruction of the BTS Road In Nganjuk Regency – BTS. Kediri City (Link 175)
No full textThe preparation of the Contract Quality Plan (RMK) for the widening and reconstruction of the Nganjuk Regency BTS Road – Kediri City BTS Road (Link 175) is an important effort in ensuring that construction implementation runs according to the quality, cost, scope, and time standards stipulated in the contract. This study aims to compile a quality system document as a reference in work supervision, so that the contractor can carry out contract responsibilities optimally. The methods used include personnel mobilization, pre-implementation meetings (Pre Construction Meeting), field engineering, mutual checks, contract changes (addendum/CCO), and field supervision until the handover of the work. The results of the study indicate that the scope of supervisory consultancy services includes material and equipment quality control, work progress evaluation, laboratory test results examination, payment approval, technical recommendations, and design review. With the RMK document, technical supervision is more structured, transparent, and can minimize the risk of delays and non-conformities in the field. This supports the achievement of road construction quality in accordance with applicable regulations and increases accountability in infrastructure project implementation
Analysis of Green Manufacturing and Its Implementation to Overcome Pollution from Economic, Social, and Environmental Perspectives Using The Fuzzy Topsis Method
Get PDFCV. XYZ is a company engaged in agribusiness as a fertilizer producer. CV manufacturing process. XYZ has not fully paid attention to the environment with the discovery of pollution due to waste. Based on observations, the percentage of B3 and non-B3 waste that has been managed is 36% and that which has not been managed is 64%. In addition to environmental pollution, this problem will also affect the economy and society if there is environmental damage and workers' health problems. This research was conducted to identify factors that support companies to implement environmentally friendly practices and provide recommendations so that companies know the steps in implementing these practices. The method used is fuzzy to tolerate inappropriate data from the questionnaire and TOPSIS to rank supporting factors based on economic, social, and environmental perspectives. The results showed that the priority supporting factors in the economic sector were market trends (0.629), social sectors were worker demand (0.594), and environmental sectors were regulatory compliance (0.629). Based on these factors, the recommendation given based on an economic perspective is to implement the 3R, namely reduce, reuse, and recycle. Recommendations based on a social perspective are the existence of ISO 14001 training programs and AMDAL training. Recommendations based on an environmental perspective are the establishment of waste limits for each department, a zero waste culture, the provision of a storage place for all waste, and working with third parties to manage all waste
The Influence of Live Streaming and Discounts on Purchase Decisions on TikTok Shop in Karawang Regency
Get PDFThis study aims to analyze the influence of live streaming and discounts on consumer purchasing decisions on the TikTok Shop platform in Karawang Regency. The background of this research is the growing use of TikTok as an interactive promotional medium that utilizes the live streaming feature to sell products directly. In addition, discount strategies are considered effective in attracting consumer attention and influencing purchasing decisions. This study adopts a quantitative approach with purposive sampling techniques involving 125 respondents who are active TikTok Shop users. Data was collected through questionnaires and analyzed using the Partial Least Square Structural Equation Modeling (PLS-SEM) method with the SmartPLS 4 application. The results indicate that live streaming has a significant influence on purchasing decisions, as the interactivity and clarity of information delivered by the host can enhance consumer trust and perceived product quality. Discounts also show a significant effect, particularly when price reductions are applied to products that are of interest to consumers. These findings suggest that both live streaming and discounts play important roles in encouraging consumer purchases.
Keywords : Live Streaming, Diskon, Keputusan Pembelian, TikTok Sho
Analisis Perbandingan Tingkat Kebisingan dengan Volume Kendaraan pada Area Kecamatan Sidoarjo hingga Kecamatan Krian
Get PDFSidoarjo merupakan kota yang menjadi salah satu penyokong utama Kota Surabaya dalam sector industry. Banyak ruas jalan di kota Sidoarjo yang menjadi jalur lintasan bagi kendaraan- kendaraan besar, salah satu ruas jalan pada kota Sidoarjo adalah ruas JL Pahlawan hingga ruas JL.Raya Legundi. Pada ruas jalan tersebut terdiri dari sepuluh segmen ruas yang mempunyai karakteristik berbeda satu dengan yang lainnya. Pada ruas jalan tersebut terdapat banyak pabrik-pabrik besar yang berada pada beberapa titik ruas, sehingga pada beberapa segmen jalan mengalami kepadatan volume kendraan yang cukup significan. Kepadatan tersebut dapat menimbulkan kebisingan yang cukup tinggi pada beberapa segment jalan. Penelitian ini dilakukan dengan metode quantitatif, yaitu pengamatan data secara langsung terhadap jumlah volume kendaraan dan tingkat kebisingan pada arah Sidoarjo-Krian dan Krian-Sidoarjo. Berdasarkan hasil dari perhitungan pada tiap segmen arah Sidoarjo - Krian dapat disimpulkan bahwa, volume kendaraan maksimum terjadi pada hari Rabu, 15 Maret 2023 pada sore hari terjadi pada pukul 16.00 – 17.00. Nilai Q sebesar 3669,70 smp/jam di segmen II, dengan total 6018 Kend/Jam. Berdasarkan hasil dari perhitungan kebisingan Leq pada tiap segment arah Sidoarjo – Krian tingkat kebisingan maksimum terjadi pada hari Kamis, 16 Maret 2023 pagi pukul 09.00 - 10.00 yaitu dengan Leq 74,39 dBA di segmen III
Perancangan Sistem Informasi Layanan Pengaduan Masyarakat “SORAK” Menggunakan Metode Waterfall
Get PDFThis research aims to design an information system called SORAK that facilitates online public complaints and enhances public transparency in complaint management. The research adopts the waterfall method of information system development, consisting of six stages. The main objective of this research is to minimize unresolved complaints through more effective and efficient complaint management. SORAK also provides convenience for the public to submit complaints and track the status of their complaints. Primary data is obtained through interviews with SORAK users, while secondary data is collected through literature review on public complaint management systems. The testing plan for the SORAK application includes functional and performance testing to ensure its proper operation and meet user needs. In conclusion, the author designs SORAK Information System as a public complaint service using the Waterfall method, with a focus on enhancing public transparency.
Keywords: Information System, Website, Waterfall, Public Complaints, Public Transparency
SISTEM INFORMASI PERPUSTAKAAN SE SISTEM INFORMASI PERPUSTAKAAN SEKOLAH SMA NEGERI 1 BAJUIN DENGAN FRAMEWORK LARAVEL: SISTEM INFORMASI PERPUSTAKAAN SEKOLAH SMA NEGERI 1 BAJUIN DENGAN FRAMEWORK LARAVEL
No full textSMA Negeri 1 Bajuin is a senior high school located in Bajuin Village. The school library faces issues with recording book loans and providing information about book returns. To address these problems, a school library information system using the Laravel Framework has been developed. The system design follows the waterfall methodology, with data collection conducted through interviews and literature studies. This research involves creating a web-based information system. The system is designed using tools such as Unified Modeling Language (UML) and flowcharts, and is implemented with HTML, CSS, PHP, and a MySQL database. The aim of this research is to facilitate the management of books in the library, enabling students to borrow books more efficiently and improving overall library management