In the fast-paced era like now, the demand for effective and efficient business processes is increasing, not least in the insurance industry. One of the things that can increase the acceleration of business processes is the utilization of big data in the industry. Big data is important, those who can take advantage of big data will have a strong and fast base in making business decisions including the insurance company Allianz. Utilizing big data in accelerating business processes in the insurance industry, especially at PT. Allianz Life Indonesia insurance occurs in the process of accelerating underwriting with an automatic underwriting system so that it can be one of the selling points in the marketing process of corporate communications to customers. The presence of this automatic underwriting system replaces the role of human underwriters by the system so that the role of underwriters will be increased to process prospective customer data that is more complex and requires analysis that is not contained in the system. The company expands into new markets by highlighting the advantages of a faster and simpler underwriting process that is supported by the use of Big Data and more sophisticated analysis as one of the marketing communication strategies. The purpose of this conceptual paper is to explain how big data management can be used as one of the insurance company's marketing communication strategies.

Methods:This experiment was observational and analytical with a cross-sectional design. The experimental data were statistically analyzed using the Kendall's tau and Spearman's rank correlations to compare the OHRQoL and salivary cortisol levels. Results:The results of this study showed that there was a small correlation (r=0.3) between the OHRQoL and salivary cortisol level with a negative trend. This suggests that if the cortisol level slow, the child's OHRQoL is high. The chronic inflammation caused by dental caries can influence the OHRQoL and trigger the release of cortisol in the saliva.

Siswa yang memiliki nilai karakter mandiri belajar rendah akan mempengaruhi kepada tinggi rendahnya hasil belajar siswa. Tujuan penelitian ini yaitu untuk mendiskipsikan dan menganalisis keberhasilan dalam menggunakan teknik self-management berbasis konseling model Konseling, Intensif, Progresif, Adaptif, Struktur (KIPAS) untuk meningkatkan nilai karakter mandiri belajar pada siswa kelas VII di SMP Negeri 11 Banjarmasin. Penelitian ini mengaplikasikan jenis Penelitian Tindakan Bimbingan Konseling (PTBK) dengan pendekatan kualitatif serta model PTBK yang diterapkan pada penelitian ini yaitu model Kurt Lewin serta dilakukan dalam tiga siklus. Sampel diperoleh dari siswa kelas VII sebanyak 6 orang siswa. Sampel ditentukan melalui teknik stratified random sampling. Alat pengumpulan data yang dimanfaatkan yakni: lembar observasi dengan rubrik penilaian, pedoman wawancara, dan angket. Berdasarkan hasil rubrik kegiatan peneliti dan siswa, serta hasil tindakan dari pelaksanaan teknik self-management yang telah dibuat, didapatkan hasil adanya peningkatan pada setiap siklus, pada aktivitas peneliti meraih kategori “baik”, pada aktivitas siswa berada pada kategori “aktif”, dan hasil tindakan dari pelaksanaan teknik self-management mencapai kategori “berhasil”. Dari penelitian tindakan yang sudah dilakukan, dapat disimpulkan bahwa terjadi peningkatan nilai karakter mandiri belajar dengan menggunakan teknik self-management.__________________________________________________________________ Students who have low self-study character values will affect the level of student learning outcomes. The purpose of this study was to describe and analyze the success of using self-management techniques based on the KIPAS model in increasing the value of independent learning characters in grade VII students of SMP Negeri 11 Banjarmasin. This research uses the type of Counseling Guidance Action Research (PTBK) using a qualitative approach and the PTBK model used in this study is the Kurt Lewin and carried out in three cycles. The sample of this research is class VII students, totaling 6 students. The sampling technique used is stratified random sampling. Data collection tools used include: observation sheets with assessment rubrics, interview guidelines, and questionnaires.Based on the results of the rubric of research activities, student activities and the results of actions from the implementation of self-management techniques that have been made, the results obtained are an increase in each cycle, the research activity reaches the "good" category, the student activity is in the "active" category, and the results of the action from the implementation of self-management techniques reached the “successful” category. From the action research that has been done, it can be concluded that there is an increase in the value of independent character learning by using self-management techniques.

Fertilizer is an ingredient that contains one or more nutrients or nutrients for plants to support the growth and development of plants. Oil palm plantations produce large profits so that many forests and old plantations are converted into oil palm plantations. To produce the best palm oil production, it is recommended that fertilizers have the quality and quantity precisely and quickly so that the target in the development of oil palm can be achieved maximally in its growth process. Many methods can be used to solve problems in the scientific field, one of the methods SPK. Researchers used the MAUT (Multy-Attribute Utility Theory) method in solving the problem of selecting the best fertilizer on oil palm plants based on several criteria that were set. Visual Basic 2010 application is the software used in this study. It is hoped that this research can recommend the best fertilizer used on plantations to maintain the quality of oil palm plants.Keywords : SPK, MAUT, Visual Basic 2010, MADM, Microsoft Access