International Journal of Science, Technology & Management (IJSTM)
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Digital Marketing Communication Model on Digibank Indonesia
No full textDigibank, a progressive private bank, has consistently targeted younger demographics with its campaigns. Offering free administrative charges on transfers, Digibank has positioned itself as a brave and innovative player in the financial sector. However, its promotion of student loans raises questions about the alignment between its financial literacy efforts and its product offerings. This paper explores this paradox within Digibank Indonesia's Instagram campaigns. The study employs content analysis to investigate posts from Digibank Indonesia's Instagram account over a one-year period (2023-2024). The focus is on messages related to financial literacy, free transfer services, and student loans. The findings reveal that while Digibank promotes financial literacy and offers attractive banking services such as free transfers, it also actively promotes student loans. This marks a significant acknowledgment that student loan debt is an emerging issue in Indonesia. These findings have implications for both policy-makers and consumers. For policy-makers, understanding how banks communicate about products like student loans can inform regulations around financial advertising. For consumers, particularly young people who are the primary targets of these campaigns, this research highlights the need for critical engagement with banking advertisements.
 
Optimizing Educational Institutions: Web-Based Document Management
No full textDocuments, which consist of written or printed materials, play a crucial role in educational activities. Private schools in Tangerang still face challenges in efficiently storing, accessing, and managing educational documents. Manual document storage consumes a significant amount of time and physical space. Therefore, a technology-based solution is required to address this issue. This research aims to develop a web-based Document Management System (DMS) that allows teachers and school staff to easily manage, store, and access educational documents digitally. The software development method employed is the Waterfall model, involving a series of stages ranging from needs analysis to testing and implementation. The outcome is a web based DMS application accessible to teachers in the school. This application enables teachers to view, upload, edit, and download teaching materials effortlessly. Additionally, teachers can manage their teaching schedules and user access rights. The usability of DMS has been tested through User Acceptance Testing (UAT), and users have provided positive feedback on the application. This web based DMS effectively addresses the issues related to document storage in schools, enhancing the efficient management of educational documents, reducing dependence on physical documents, and increasing productivity in the learning process. Consequently, this DMS holds great potential as a valuable tool in the educational context of the school
Introduction of emergency equipment for floods, fires and riots in Augmented Reality
Get PDFIndonesia is one of the countries with a high risk of natural disasters in several regions. Emergencies can result in death or property destruction. While dealing with catastrophes, swift action and anticipation are required; yet, if the community is unfamiliar with emergency equipment, it will take longer to overcome emergencies. It turns out that many people still do not understand emergency equipment information correctly. The active engagement of the community in recognizing emergency equipment can be enhanced by the provision of information. The implementation of an application utilizing Augmented Reality technology and the Fisher Yates Shuffle algorithm aims to enhance public awareness and promote active engagement in identifying emergency equipment. Once the application has been developed and constructed, the evaluation process will involve the utilization of a pre-test, post-test, and the N-Gain Score methodology. The N-Gain Score is a valuable tool for gauging the extent of the community's comprehension in identifying emergency equipment. Additionally, a Questionnaire will be employed to evaluate the level of user satisfaction with the application. The findings of the study revealed that the level of knowledge acquired by users, as assessed, was 57%. This suggests that users demonstrate a relatively high level of proficiency in understanding emergency equipment when utilizing the application. Furthermore, the overall satisfaction of users with the program received a final score of 86%, showing a high degree of effectiveness
A Literature Review: Challenges of Internationalization in Small and Micro Enterprises Medium (SMEs)
No full textThis article aims to find out the challenges faced by SMES in entering international markets. The methodology in writing this article is literature review. And limited to articles related to field studies. The search results found several articles with the specified keywords. Some of the challenges faced by SMEs in entering international markets in several countries such as Fiji, Nigeria, India, Nepal, Bangladesh, Finland and Sweden in entering international markets include access, both access to limited knowledge of international markets, access to finance, geographical conditions, and several other challenges. It is hoped that this article will provide benefits for finding solutions in facing the challenges of SMEs in facing the international market
The Governance Measurement of Information System Using Framework COBIT 5 in State-Owned Enterprises Insurance Company
No full textUtilizing better Information Technology (IT) management facilities (good governance) is necessary to enhance the efficiency and effectiveness of information technology in a state-owned social insurance company, aligning with the business strategy and complying with the applicable Ministry of State-Owned Enterprises regulations. Therefore, a periodic assessment of IT governance using the COBIT 5 framework is essential. The assessment is conducted on five processes, which involve identifying company objectives, enterprise goals, IT-related goals, and conducting self-assessment. Based on the conducted assessment, the DSS 01 process obtained a final score of 90.22% and achieved a capability level of 4.51. The DSS 02 process obtained a final score of 91.70% and achieved a capability level of 4.59. The DSS 03 process obtained a final score of 90.30% and achieved a capability level of 4.52. The DSS 04 process obtained a final score of 34.15% and achieved a capability level of 1.71. The DSS 06 process obtained a final score of 91.36% and achieved a capability level of 4.58. In the DSS 01 process, three activity findings were identified, and nine improvement recommendations were provided. In the DSS 02 process, one activity finding was identified, and two improvement recommendations were provided. In the DSS 03 process, two activity findings were identified, and four improvement recommendations were provided. Regarding the DSS 04 process, the relevant division is currently conducting internal discussions to improve the control procedures for information availability management for IT service needs
Phytochemical Screening And Antidiabetic Test Of Ethanol Extract Of Turmeric Leaves (Curcuma domestica Val.) On Decreasing Blood Glucose Of Diabetic Rats
No full textThe turmeric plant (Curcuma domestica Val.) is a tropical plant that grows a lot on the Asian continent with is use as a food coloring and fragrance. The use of turmeric leaves by residents is only a cooking ingredient not used in large quantities. Even most of these turmeric leaves are considered waste and have minimal utilization. Turmeric leaf methanol extract can be used to lower blood glucose. Turmeric leaf extract has the potential as a valuable food source of its antioxidant components, such as total phenolic compounds and flavonoids which increase radical scavenging activity. In particular, the water extract of turmeric leaves contains high total phenolic compounds (2.741?±?0.099?mg GAE/g) and flavonoids (4.776?±?0.010?mg QCE/g). Diabetes mellitus is a metabolic disorder associated with several chronic complications, such as nephropathy, neuropathy, retinopathy and cardiomyopathy. Part of the turmeric plant leaves is reported to have the ability as an antioxidant. Antioxidant compounds can control blood glucose levels and prevent diabetes complications. This study was conducted to test the ability of turmeric leaf ethanol extract (EEDK) to reduce blood glucose levels in diabetic rats induced by nicotinamide and streptozotocin and to perform phytochemical screening to determine the compounds contained in turmeric leaves so that it becomes an alternative as a diabetes treatment and can prevent damage. or diabetic complications. The results showed that turmeric leaves contained secondary metabolites, namely flavonoids, glycosides, tannins, and triterpenoids/steroids, but there were no alkaloids or saponins. The characterization results show that the sample meets the requirements. Turmeric leaf ethanol extract doses of 400 mg/kg, 200 mg/kg, and 100 mg/kg could reduce the Blood Glucose Level of NA and STZ-induced rats from the fourth day of treatment
Comparative Analysis of Reverse Martingale And Cumulative Win Strategies Using Ichimoku Kinko Hyo Indicator
No full textGiven the dearth of prior research on the practical implementation of money management strategies in the foreign exchange market, making it arduous to ascertain profitable money management comparisons, this study places its focus on the amalgamation of money management strategies and technical indicators. The research specifically explores the utilization of two money management strategies, namely reverse martingale, and cumulative win strategy, in conjunction with Ichimoku Kinko Hyo serving as the chosen technical indicator. The primary aim of this research endeavor is to identify the most lucrative money management combination within a three-year timeframe. The study centers on the EURUSD currency pair, employing the H1 timeframe for analysis. The research methodology encompasses four essential stages: data collection, data processing, strategy testing, and result analysis. Subsequently, the acquired EURUSD data will undergo amalgamation utilizing the One-Way ANOVA method to determine the presence of statistically significant disparities between the two combinations. The outcomes of this investigation underscore the supremacy of the cumulative win strategy and Ichimoku Kinko Hyo combination, exhibiting a remarkable Return on Investment (ROI) surpassing alternative combinations, soaring to an impressive figure exceeding 2860%.
 
Development Of Risk-Based Work Breakdown Structure (WBS) Standards For Integrated Design And Construction Phase On Design-Build Method Of Architectural Works Of High-Rise Building To Improve Construction Safety Performance
No full textDesign-build methods are one of the options in carrying out the construction of high-rise buildings with a high level of uncertainty from design phase to construction, which also affects the safety performance of the project itself. Therefore, a prevention standard for a high-risk event is needed based on project activities. This research was prepared using a descriptive qualitative method with expert validation process through Delphi method and completed with a questionnaire survey to conduct a risk assessment. The output in this research is a development of risk-based standard work breakdown structure for architectural work, which generated from 39 high level risk. Based on the results of the mapping of preventive and corrective actions at high-level risks, 5 types of WBS development can be carried out at levels 3 to 6 of the WBS to prevent and minimize the impact of risk so that safety performance could be improved. The novelty in this research lies in the form of design-build project delivery activities which has not been widely discussed in previous work breakdown structure research and risk identification based on the activities listed on the WBS
Knowledge Development About The History And Basic Principles Of Health Insurance Business In Indonesia
No full textThe health insurance in Indonesia is something new for most Indonesians because the term health insurance itself, until now after the pandemic, has not become a word that is commonly understood. The understanding of what is called health insurance is still very varied so it is not surprising, for example, in the past, many people said that the Community Health Maintenance Guarantee (JPKM) in Indonesia was not health insurance but only the name was used without using the word insurance. The Indonesian population is generally a risk taker in terms of health and death. The economic condition of the Indonesian population from independence until now has been able to have a per capita income per year, which has not allowed the Indonesian population to set aside funds to buy health insurance or life insurance. Meanwhile, from the supply side, not many insurance companies offer health insurance products. The Indonesian government has been relatively slow in introducing the concept of insurance to the public through ease of licensing and legal certainty in the insurance business ordeveloping social health insurance for the wider community. This study uses a qualitative method that aims to analyze the relationship between the development of knowledge about the basic history of health insurance related to the basic principles of health insurance in Indonesia which is expected to increase knowledge about the history of health insurance and the basic principles of health insurance. The goal of this research is to find out things that can provide compensation for losses originating from ignorance of health insurance knowledge
Entrepreneur Orientation as a Competitive Advantage in Student Business Startups
No full textThis study aims to describe how the entrepreneurial orientation of students who do startup business has a competitive advantage. This study used a qualitative approach, with student informants doing business startups. Information obtained from interviews and observations. The results of this study indicate that entrepreneurial orientation is demonstrated by the ability to always be innovative, act proactively, and take risks. To have competitive capabilities can be demonstrated through competitive products and prices compared to its competitors. If a startup business wants to have a competitive advantage, it can be created through innovative, proactive, and risk-taking activities