The purpose of this research is to explain a phenomena that happened in the Indonesian microinsurance business. Using the case study technique, we observed that microinsurance is still difficult to develop based on the overall population of Indonesians. If the main idea of micro insurance is applied, micro insurance products are still widely available in big cities but have yet to reach low-income individuals or UMKM. A breakthrough is necessary to produce microinsurance. This microinsurance business must be developed through a network of local communities, which are usually located in the lower middle class, or UMKM. Aside from that, marketers must have a set of tools at their disposal, such as a suitable ICT-based market (community) database. As a result, any microinsurance business formed must be targeted to the demands of the Indonesian government, such as microinsurance for agricultural, livestock, and fisherman, particularly in rural regions. Meanwhile, the most enticing micro insurance enterprises for metropolitan regions are personal accidents, property, and motor and vehicles.   Keywords: Micro, UMKM, Insurance, Marketing.

, Nita Erdina3,                   Marketing strategy is a strategy designed to promote goods or services with the aim of making a profit. The purpose of this study is to find out how product development through product marketing strategies through ground coffee product marketing strategies in increasing sales of gem coffee powder products. This research is descriptive qualitative, this method is used so that the writer knows or describes the reality of the event under study. Which is where the aim of the research was to find out how a good marketing strategy is for the development of sales of gem coffee products. The results of the study show that Permata Kopi does not maximize its marketing strategy. The newly optimized strategy is the product strategy. It is better if the owner of Permata Kopi is able to reconfirm his strategy, expand the marker network and increase promotions so that people are aware of Permata Kopi products. Keywords: coffee, marketing strategy, product

When it comes to establishing relationships with others in the business world, ethics plays an important role. Business ethics plays an important role in determining the success or failure of a company. Practicing good corporate ethics can also improve communication and foster mutual trust between colleagues. In running a company, you have to focus on two things. The first is aware of and considers the needs and emotions of others. The second reason is to avoid avoiding other people, because corporate ethics vary widely between cultures and countries. The purpose of writing this article is to find out how Business Ethics in Business Companies in the Globalization Era. The author of this article uses observation techniques as a research strategy, as well as library research methods. Based on the discussion in this article, the level of trust that each member of the business community has with each other is influenced by business ethics. There are a variety of stakeholders impacting each other, including businesses, suppliers and end users. Each of these components must uphold ethical standards so that the foundation of trust is well maintained.   Keywords: Bussiness,Ethics, Globalization, Company

The purpose of this research is to explain a phenomena that happened in the Indonesian microinsurance business. Using the case study technique, we observed that microinsurance is still difficult to develop based on the overall population of Indonesians. If the main idea of micro insurance is applied, micro insurance products are still widely available in big cities but have yet to reach low-income individuals or UMKM. A breakthrough is necessary to produce microinsurance. This microinsurance business must be developed through a network of local communities, which are usually located in the lower middle class, or UMKM. Aside from that, marketers must have a set of tools at their disposal, such as a suitable ICT-based market (community) database. As a result, any microinsurance business formed must be targeted to the demands of the Indonesian government, such as microinsurance for agricultural, livestock, and fisherman, particularly in rural regions. Meanwhile, the most enticing micro insurance enterprises for metropolitan regions are personal accidents, property, and motor and vehicles.   Keywords: Micro, UMKM, Insurance, Marketing.

When it comes to establishing relationships with others in the business world, ethics plays an important role. Business ethics plays an important role in determining the success or failure of a company. Practicing good corporate ethics can also improve communication and foster mutual trust between colleagues. In running a company, you have to focus on two things. The first is aware of and considers the needs and emotions of others. The second reason is to avoid avoiding other people, because corporate ethics vary widely between cultures and countries. The purpose of writing this article is to find out how Business Ethics in Business Companies in the Globalization Era. The author of this article uses observation techniques as a research strategy, as well as library research methods. Based on the discussion in this article, the level of trust that each member of the business community has with each other is influenced by business ethics. There are a variety of stakeholders impacting each other, including businesses, suppliers and end users. Each of these components must uphold ethical standards so that the foundation of trust is well maintained.   Keywords: Bussiness,Ethics, Globalization, Company