Payment Of Contributions Research Articles

Consumers’ perception of distribution channel for the Malaysian microtakaful scheme: an exploratory study

Purpose This paper aims to investigate consumers’ preferences regarding the distribution channels for subscription, contribution payment and compensation claims of microtakaful scheme in Malaysia. Design/methodology/approach Consumers’ preferences were explored through questionnaires and focus group discussions (FGD) conducted among the bottom 40% income classification households (B40) in five zones: northern, central, eastern, southern and Sabah and Sarawak. Findings Empirical findings from cross-tabulation analysis revealed that takaful company is the preferred distribution channel for purchasing protection plans and making compensation claims. However, the online platform is the favoured channel to make contribution payments. Further investigation through FGD suggested that the selection of a channel for subscription, contribution payment and compensation claim is influenced by consumer trust, cost-effectiveness and simplicity of procedure. Research limitations/implications Limitation is pertaining to only cross-tabulation analysis used in explaining the choice of distribution channel for microtakaful among B40 group. Thus, advanced analysis is required to strengthen the findings. Practical implications Findings of this study would help marketers and practitioners to formulate strategies to promote their microtakaful protection to enhance subscription among the low-income population. Originality/value Empirical findings offer academic contributions to the existing body of knowledge on microtakaful area as the primary data collected will eventually allow future researchers to explicate the contribution of the current study to understand the important of distribution channel for microtakaful from the perspective of subscribers and potential subscribers.

A Rancang Bangun Aplikasi Kas Rute12 Berbasis Web pada RT 012 RW004 Tanah Merdeka Jakarta Timur

The monthly contribution payment system at RT 012 RW 004 Tanah Merdeka, East Jakarta, still relies on a manual process using a contribution book, making it prone to errors and discrepancies between the money collected and the recording report. To overcome this problem, a web-based application has been developed called RUTE12. This application aims to simplify the tasks of RT officers in recording and managing finances while increasing community involvement. With the introduction of digitalization, it is hoped that it can reduce calculation errors, align the amounts collected with reports, and increase service efficiency. RUTE12 also plays a role in increasing community participation in various RT/RW activities, providing positive benefits for improving the financial system at the RT level, and being an inspiration for similar developments in various regions.

Optimization model : Broiler chicken farmers plasma members from the core partnership of broiler chicken farming in Indonesia for recruitment and welfare

The purpose of this study is to determine the characteristics of broiler chicken farmers regarding their motivation in partnering in broiler chicken partnerships, to find out the factors that influence the loyalty of broiler chicken farmers to broiler chicken partnerships, and to know the optimization model for receiving BPJS contributions from members of broiler chicken partnerships. The method used is (research objective) this research is descriptive correlational, which aims to determine the description of the research variables and determine the relationship between these variables. The research results show that the breeder’s characteristics have a significant influence on the motivation to participate in the partnership. This means that the better the breeder’s characteristics, the higher the livestock’s motivation to participate in the partnership. From the results of the research presented, it can be concluded that Farmer characteristics influence the motivation for farmer participation in the plasma boiler chicken core partnership, farmer characteristics and community empowerment influence partnership member loyalty and motivation for participation in the partnership, community empowerment, partnership member loyalty, optimization of recruitment, and Empowerment influences member welfare, then member welfare influences the optimization of BPJS health contribution payments.

Analisis Penerapan Biaya Kontribusi dan Klaim pada Produk Asuransi jiwa Syariah di PT. Sun Life Financial Syariah Medan

PT Sun Life Financial Sharia Plays an active role in developing income contribution (premium) nationally. The purpose of this study is to analyze how application of contribution cost and claims on syariah life insurance products at PT Sun life financial syariah Medan. This study uses aqualitative method to produce descriptive da in the form of observation, interviews, wrtten or oral words about people and the observable behavior. The results of this study indicate that application of contribution cost and claims collected from contribution payments will be divided into several parts namely being used for insurance benefits in the form of funds used as gurantor if there is the riskof participants, as the contribution cost of tabaru which is used for risk insurance funds for syariah insurance participants, and as coverage that will be managed by 2 (two) syariah products in the form of Salam Hijrah Amanah Insurance and Salam Hijrah Investa Insurance. 
 Keywords: Syariah Insurance, Contribution, Claims

Sistem Informasi Administrasi Pembayaran SPP Berbasis Website

The web-based Educational Development Contribution (SPP) Payment Administration Information System is a technology solution designed to make it easier to manage the administration of tuition fees within educational institutions. This system adopts a web-based approach to provide easy and transparent access for all stakeholders, including parents or guardians of students, administrative staff, and other related parties. The advantage of this system lies in its ability to carry out online payment transactions via a web platform, making it easier for people parents or guardians of students to pay tuition fees from anywhere and at any time. This system also provides automatic notifications to remind parents or guardians of students regarding payment due dates, reducing the risk of late payments. Data security is the main focus in designing this system. By using effective web security protocols, it is hoped that the implementation of this Web-Based Tuition Fee Administration Information System can bring significant benefits in increasing operational efficiency, transparency and ease of access in managing the administration of tuition fee payments in educational institutions.

'Digitising health protection schemes in Ghana': An enquiry into factors associated with the use of a mobile phone-based health insurance contribution payment system among tertiary students.

In 2018, Ghana's National Health Insurance Scheme (NHIS) introduced a mobile money payment system for membership renewal and premium payments to enhance enrolment and retention rates. However, the adoption of such innovations depends on various factors, including personal traits and public perceptions. This study aims to explore the determinants of NHIS membership renewal and premium payment via the mobile renewal system. Conducted at Kwame Nkrumah University of Science and Technology (KNUST) in Kumasi, Ghana, the study used a survey design to gather data from 951 KNUST students. Employing logistic regression analysis, the study identified key factors influencing the use of the NHIS mobile renewal service. The findings revealed that individuals aged 19-21, 25-27 or above 27, without mobile money accounts, and those with no history of online purchases were less likely to adopt the mobile renewal system (P < .05). Conversely, those perceiving the system as useful and easy to use were more likely to utilise it for NHIS membership renewal (P < .05). In conclusion, policymakers should prioritise system quality, accessibility, perceived ease of use, and usefulness to facilitate the adoption and usage of the NHIS mobile payment system. These findings contribute valuable insights for enhancing the effectiveness of health insurance innovations.

Support for Contribution Payers in the Field of Social Security in Connection with the Covid-19 Pandemic – Selected Legal and Economic Issues

Abstract The presented study raises the issue of contribution payers in the field of social insurance, in particular based on the Covid-19 pandemic. Searching for ways of supporting was determined by the deterioration of the financial condition of entrepreneurs as payers of contributions. In 2020, there were no instruments or mechanisms to support entrepreneurs in a lockdown situation, which implied the need to build such tools and the legal environment for SMEs practically from the beginning. The Social Insurance Institution (ZUS) was entrusted with the role of a stabilizer, consisting in servicing entrepreneurs as part of subsequent editions of the Anti-Crisis Shield. During the announcement of the COVID-19 pandemic, ZUS used the following forms of support for contribution payers: exemption from the obligation to pay contributions, postponement of the payment of contributions and payment of contributions in installments. The research question concerned the enforcement of the law and respect for the basic rights of entrepreneurs in the scope of the support used. In order to solve the research task legal interpretation were used in the work. The author’s considerations lead to the conclusion that forms of support used in connection with the Covid-19 pandemic turned out to be effective and may be used in the future in emergency situations. An important science contribution of the article results from the combination of the selected legal and economic aspects.

Assessing the Determinants of Compliance with Contribution Payments to the National Health Insurance Scheme among Informal Workers in Indonesia

This study aimed to investigate the determinants of compliance with contribution payments to the National Health Insurance (NHI) scheme among informal workers in Bogor Regency, West Java Province, Indonesia. Surveys of 418 informal workers in Bogor Regency from April to May 2023 were conducted. Multivariate logistic regression analyses were performed to assess the factors associated with informal workers’ compliance with NHI contribution payments. The results revealed that being female, having lower secondary education or below, perceiving good health of family members, having negative attitudes toward and poor knowledge of the NHI, experiencing financial difficulties, preferring to visit health facilities other than public ones, and utilizing fewer outpatient services were significantly associated with the noncompliance of informal workers with NHI contribution payments. It was concluded that economic factors alone cannot contribute to informal workers’ payment compliance and that motivational factors (knowledge, attitudes toward the insurance system, and self-related health status) also encourage them to comply with contribution payments. Improving people’s knowledge, especially on the risk-sharing concept of the NHI, should be done through extensive health insurance education using methods that are appropriate for the population’s characteristics.

Regarding the need for a differentiated approach in the aspect of determining programs for improving the qualifications of Ukrainian lawyers in conditions of digitalization

This article is devoted to revealing the essence of a lawyer’s professional duty to improve his qualifications, primarily through the prism of the lawyer’s right to choose the types of such improvement and by clarifying the feasibility of the existence of various programs aimed at its improvement .The necessity of various types of professional development programs that would primarily take into account the lawyer’s experience (for those who have experience in practicing law and young lawyers) is argued.&#x0D; Within the framework of this article, the content and problems of the implementation of the program for improving the qualifications of young lawyers were investigated. The experience of foreign countries is revealed, regarding both the definition of the «young lawyer» category in general, and the specifics of the programs for improving their qualifications. Attention is focused on the need for the Higher School of Advocacy of the National Bar Association of Ukraine to develop the «Young Lawyer» modular program and to make it free of charge, taking into account the payment of contributions by such lawyers specifically to ensure the implementation of lawyer self-governance, one of the main duties of which is to maintain a high professional level of lawyers.&#x0D; The article also focuses on the expediency of approving training programs for other persons who have one or another relation to the practice of advocacy. A conclusion is made regarding the positive nature of the development by the Higher School of Advocacy of the National Association of Lawyers of Ukraine of special, adaptation courses (instructions) of professional development for interns, assistant attorneys and individuals, in case of renewal of their right to engage in advocacy and the availability of their completion (online).&#x0D; To achieve the goal, the author used the methods characteristic of legal science, and the research was conducted primarily using systemic-structural and comparative-legal methods, as well as the dialectical method of learning legal reality.

Design a Web-based Education Development Contribution Payment Application at SDIT Tahfidz Bintangku

Improving services to facilitate the management and monitoring of billing and payment of SPP (Education Development Contribution) in educational institutions must get serious attention because the quality of educational institutions is greatly influenced by the availability of adequate payment management. The research method used in application development uses the waterfall method. The application developed is web-based using the Laravel 9 framework with a combination of design with boostrap so that it is more responsive and uses the Mysql database. The results of the developed application are able to assist the treasurer and student guardians in managing, provide convenience for students and parents in making payments online, reduce the need to queue at physical payment counters, save time and energy, make it easier for treasurers and parents to track payment history, can verify transactions that have been made and ensure that no payment transactions are left behind, make it easier for schools to manage financial recording processes and payment processing to be more organized and controlled quickly.

Determinants of Arrears in Payment of Health Social Security Organizing Bodies for Independent Participants

The Social Security Administrative Body (BPJS) for Health is a legal entity established to administer a health insurance program with objective every inhabitant country get chance And equal rights in obtaining health services. However , based on data obtained from BPJS Health, it is recorded that there are 5 districts in Jambi Province that are in arrears in paying BPJS contributions . One of them is Jambi City happen arrears with the most dues of 76,909,256,816. According to the BPJS Health program rules, payment is requested no later than the 10th of each month. Hence the goal _ in study This is find out the determinants of arrears in payment of Health Social Security Administering Body contributions for independent participants in the city of Jambi.This study used a quantitative method with a cross-sectional research design. The sample in this study were 106 respondents using a purposive proportional random sampling technique. Data collection used a questionnaire and data analysis used univariate and bivariate (chi-square). The results of this study indicate that the majority of 61.3% of respondents are in arrears and based on statistical tests in this study indicate that there are factors related to arrears in BPJS contribution payments, namely income (0.000), knowledge (0.013), perception (0.011), and place of payment (0.002). There is a relationship between the variables where contributions are paid, income, knowledge and perceptions with BPJS contribution arrears.

Pension System Future Direction on Employees of Small and Medium-sized Enterprises in Indonesia, Vietnam, and Hungary

Small and medium-sized enterprises are extremely important to the economy. However, businesses in this sector and their employees need help to obtain social security. Hungary, Indonesia, and Vietnam are nations in various geographical locations with obvious disparities in ethnography and pension system structure. Meanwhile, the proportion of SMEs in all three countries is comparable, accounting for a large fraction of the estimated enterprises that play important roles in the national economy. As a result, this research analyzes the pension system and the present condition of pension schemes for SMEs in Hungary, Indonesia, and Vietnam. In this paper, the researchers conducted a literature review. According to the comparison of the three nations, there are various barriers in the SME sector in accomplishing employee pension schemes: limited financial resources, employees who do not perceive immediate benefits and are not risk-averse, low awareness of current pension schemes, the expense of social contributions and increased in the minimum wage, both employers and employees negotiate to stop social insurance payments, a high job turnover rate, and employees are more likely to earn prepaid social insurance payments to assist them in making ends meet. Hungary, Indonesia, and Vietnam's governments should make participation mandatory for people working in SMEs, actively publicize the importance of pension schemes to SME employees, simplify registration and payment of pension contributions through digital channels, incentivize SMEs to participate in pension systems, and enact legislation against SMEs and their employees to encourage participation.

Sistem Informasi Manajemen Buku Kas Elektronik untuk Pembayaran SPP

This research aims to develop an efficient and effective web-based Student Development Contribution (SPP) payment information system and test its performance in enhancing the speed, accuracy, and precision of SPP payment report generation. The Agile methodology is employed for system development, emphasizing flexibility and adaptability to address potential future requirements. The findings indicate successful development of the web-based SPP payment information system. The conducted tests confirm its ability to deliver optimal performance, safeguard sensitive data effectively, and function in accordance with specified requirements. The system enhances administrative efficiency in SPP payment processes at educational institutions by ensuring accurate data management, swift payment processing, and responsiveness to changing needs.

Design of Mobile-Based Parent-Student Contribution Payment Information System

&lt;p&gt;The background for this research is that schools are still manually processing payments for student parental contributions, which requires a lot of paper, resulting in many inaccuracies in collecting data on student parental contribution payments. this causes the process of paying parental contributions to be ineffective and inefficient, so it is necessary to have an information system for paying parental contributions at SMAN 12X11 Enam Lingkung. The research method used is the Research and Development (R&amp;amp;D) research method, which is a method for creating a product, The System Development Life Cycle (SDLC) is a model for developing this system and implementing it using the waterfall model which consists of communication, planning, modeling, coding, and Deployment. Based on the results of the research that the authors conducted, the authors were able to create an information system for paying student donations based on PHP as a programming language and MySQL as a database at SMAN 12X11 Enam Lingkung.&lt;/p&gt;

Private Pensions (The Only Way to Increase Pensions System in Albania)

The private pensions market, even though it is known as a relatively new market in Albania, its study and analysis takes on a very special importance as this market is directly related to the growth of pensions as a whole. In the doctrine of financial law, three main pillars are recognized for the way the pension scheme works today. The first pillar is a state insurance system of the pay-as-you-go principle. This system is based on the principle of solidarity and continuity of generations. The second pillar is a combination of the state system and the private one, where every insured person in the compulsory state insurance scheme (the first pillar) is legally obliged to pay a part of the individual contributions to a private pension fund. In our opinion, this way remains one of the best ways for the development and growth of this market in Albania, solving at the same time a very big social problem related to the third age in our country. The third pillar is a completely voluntary system with private management, where every person who wants to have higher sources of income for the retirement period enters into an insurance relationship with these private institutions, which, through efficient management, ensure higher income large and additional benefits against the payment of contributions. This paper is a study of the private pension market in Albania and the analysis of some of its constituent elements, in an attempt to answer some important issues related to the development of this market as a whole.&#x0D; &#x0D; &#x0D; Received: 05 May 2022 / Accepted: 16 May 2023 / Published: 20 May 2023

Sistem Informasi Pengelolaan E-Billing Warga di Lingkungan RW 001 Kelurahan Rawajati Kecamatan Pancoran dengan menggunakan Framework CodeIgniter

For the formation of prosperous citizens, it is necessary to have good management in service to residents, one of which is the financial management of the Rukun Warga (RW) which contains community contributions for payment along with income and financial expenditure reports. This problem is currently being faced by residents and treasurers in the RW environment. 001 Rawajati Subdistrict, Pancoran Subdistrict, it is difficult to find data and payment reports that are not neatly arranged considering the large number of residents who make payments every day because the payment process is still very simple and you cannot see anything. It's just that fees that have been paid or those that haven't been paid, especially during this pandemic, people prefer to use digital transactions compared to manual or using cash. The benefits of this research, in the research methodology that will be carried out using methods of literature study, interviews, and observation. The author designs and builds a website-based accounting information system and the Codeigniter framework that involves 2 system users, namely residents and treasurer. Residents can view bills, make contribution payments, view the history of bills that have been or have not been paid, and reports on financial expenditures, namely the treasurer as a user who is currently inputting citizen data, citizen contribution billing data, and inputting financial expenditure reports. The results of this study can handle the entire process of recording administrative transactions from incoming fees incurred to preparing transaction reports to obtain more accurate information. The test results use the System Usability Scale (SUS) method with an average SUS score of 77.9 and it is certain that the respondents agree with the application of management accounting in RW 001

Effect of mobile phone-based health insurance contribution payment system on retention of coverage in the National Health Insurance Scheme in Ghana: an evaluation study

BackgroundGhana introduced a mobile phone-based contribution payment system in its national health insurance scheme (NHIS) in December 2018 to improve the process of enrolment. We evaluated the effect of this digital health intervention on retention of coverage in the Scheme, one year after its implementation.MethodsWe used NHIS enrolment data for the period, 1 December 2018–31 December 2019. Descriptive statistics and propensity-score matching method were performed to examine a sample of 57,993 members’ data.ResultsProportion of members who renewed their membership in the NHIS via the mobile phone-based contribution payment system increased from 0% to 8.5% whilst those who did so through the office-based system only grew from 4.7% to 6.4% over the study period. The chance of renewing membership was higher by 17.4 percentage points for users of the mobile phone-based contribution payment system, compared to those who used the office-based contribution payment system. The effect was greater for the informal sector workers, males and the unmarried.ConclusionsThe mobile phone-based health insurance renewal system is improving coverage in the NHIS particularly for members who hitherto were less likely to renew their membership. Policy makers need to devise an innovative way for new members and all member categories to enrol using this payment system to accelerate progress towards attainment of universal health coverage. Further study needs to be conducted using mixed-method design with inclusion of more variables.

Pelayanan Penanganan Penunggak Iuran BPJS Bagi Peserta JKN-KIS Kesehatan di Kantor Cabang Kota X

Weak regulation of sanctions for BPJS participants regarding the obligation of contributions, BPJS for health resulted in a budget deficit. Projected budget deficit in 2018, the deficit will be Rp. 28.5 trillion. The expansion projection comes from diverting the 2018 deficit plus the burden of paying hospital bills since the beginning of 2018. BPJS Kesehatan finance director Kemal Imam Santoso said the company still has a carry over financial deficit of Rp. 9.1 trillion from last year. Based on the description of the discussion above regarding job descriptions on billing and finance, obstacles in billing JKN-KIS participant contributions, and efforts to handle participants who are in arrears at the Health Social Security Administering Body for City X branch offices Data and information is carried out by observing in the field of finance and billing by gathering information based on interviews, data review and existing financial / billing data. Observations made were 8 Billing and Finance staff at the BPJS Kesehatan City X branch office, having different but very related tasks starting from the Head of Billing and Finance who is fully responsible for staff performance and the smooth payment of participant contributions, two Staff participant contribution collection workers Billing is always attempted by contacting the company to find out the active status of participants by visiting, via WA, email or with JKN cadres. Sending the latest information regarding contribution payments, for example with REHAB to make it easier for participants. As well as developing the REHAB program. Meanwhile, there are 83,585 participants in BPJS Kota X Branch Offices who have arrears at the BPJS Kota X Branch Office until 2020 reaching Rp. 72,678,386,206. The need for employee job disks that are more specific and reliable considering the constraints of Covid 19 also have quite an effect on the contributions of independent participants, Keywords: dues; bills; arrears; billing; treatment

Analysis of the Effect of Contribution Income, Claims on Tabarru Funds in the Sharia Business Unit of PT. Prudential Life Assurance Indonesia, 2016-2021

The background of this research is the increase in the number of claims paid by the company so that the large expenditure of company funds has an impact on the tabarru fund reserves. In general, the increasing number of claims paid by the company will have an impact on the tabarru reserve fund, which is feared when contribution income decreases, it indicates that the company's health is getting worse. More expenses than income. The purpose of this study was to determine the effect of Contribution Income and Claims on Tabarru Funds, both partially and simultaneously in the Sharia Business Unit of PT Prudential Life Assurance Indonesia in 2016-2021. This type of research is quantitative research with secondary data types originating from the annual financial reports of the PT Prudential Life Assurance Sharia Business Unit for the period 2016 to 2021 which originate from the company's official website, namely www.prudential.co.id. This research data collection technique uses datatime series with multiple linear regression analysis models to examine the effect of the independent variables on the dependent variable. The results showed that partially Contribution Income has a positive influence on Tabarru Funds with t count (72.09984) positive direction coefficient of 1.079889 with a probability of 0.0000 &lt;t table (0.05). While Claims have a positive influence on Tabarru Funds with t count (2.699611) positive direction coefficient of 0.040033 with probability (0.0165) &lt;0.05. Simultaneously Contribution Income and Claims together have a significant effect on the Tabarru Fund with f count (9534.203) and probability 0.000000 &lt;0.05. The percentage of influence of the independent variables (Revenue Contributions and Claims) on the dependent variable (Tabarru Fund) is 99.9% while the rest is influenced by other variables not included in this research model. The recommendation from the results of this study for companies is to maintain the stability of contribution income by monitoring the smooth payment of participant contributions so that they continue to be active and increase the growth of new participants(new business) as well as being more selective in processing payments for claims submitted by each participant.

SISTEM INFORMASI PEMBAYARAN SPP MENGGUNAKAN VIRTUAL ACCOUNT BERBASIS WEBSITE PADA SEKOLAH IMAM MUSLIM BEKASI

Currently, the Imam Muslim School located on Jalan Raya Kranggan Gg Elang IX, Rt 002/Rw 003 Jatiraden, Jatisampurna, Bekasi, is still using manual bookkeeping and payment systems. With payment using a manual system this can make it difficult for students who want to make tuition payments, therefore the author is trying to create an Educational Contribution Payment Information System (SPP) program using a website-based virtual account using the PHP and MySQL programming languages. This system can simplify the process of operational activities in schools in managing tuition payments, reporting and also make it easier for students to make payments. Because payments can be made online through bank channels or modern payment channels such as Indomaret and Alfamart