Seeing the 160 years of Jiwasraya's role in the insurance industry does not reflect the condition of SOEs in serious conflicts. Theoretically, all the principles of supervision and reporting, and corporate governance are carried out well by this company. The outstanding performance and achievements of the Jiwasraya Insurance Company have led Jiwasraya to receive several prestigious awards. However, it turns out that this well-known company has a problem that has shocked the masses. This research was conducted using qualitative research methods with a descriptive approach. The researcher chose to use qualitative research methods to determine how to find, collect, process and analyze survey data. In the long term, the JS Saving Plan product poses a risk to the Jiwasraya company, as evidenced by Jiwasraya's $32.89 billion arrears in payments to Jiwasraya's JS Saving Plan product customers. Another thing about Jiwasraya's stock investment in risky companies is the previous losses due to defaults that have not been thoroughly researched and assessed. The role of OJK in settling PT Jiwasraya's unpaid insurance claims. The Financial Services Authority (OJK), as a regulator and supervisor of financial service institutions in Indonesia, is of course obliged to play a role in situations where banking and non-banking financial service institutions in Indonesia are in conflict Keyword : Strategy, customers, insurance claims.

Penelitian ini bertujuan untuk mengetahui pengaruh nilai tukar rupiah dan harga internasional terhadap nilai ekspor kopi Indonesia. Data penelitian ini mengunakan data sekunder yang diperoleh langsung dari Kementrian Perdagangan, Internasional Coffee Organization, dan Badan Pusat Statistik. Analisis yang digunakan menggunakan analisis deskriptif kuantitatif dengan model analisis linear berganda (Ordinary Least square). Hasil penelitian menunjukkan bahwa Nilai Tukar Rupiah tidak berpengaruh terhadap Nilai Ekspor Kopi di Indonesia pada tahun 2004 – 2021. Harga Kopi Internasional berpengaruh positif dan signifikan terhadap Nilai Ekspor Kopi di Indonesia pada tahun 2004 – 2021. Nilai Tukar Rupiah dan Harga Kopi Internasional secara bersama atau simultan berpengaruh positif dan signifikan terhadap Nilai Ekspor Kopi di Indonesia pada tahun 2004 – 2021.

Accelerating economic growth is a necessary condition for improving people's quality of life. Accelerating economic growth requires maximizing the financial sector's contribution through providing financial services to the largest potential public and enterprises, such as UMKM. That is, as part of measures to improve public welfare, efforts should be undertaken to boost the financial sector's role in the economy. Any initiative aiming at removing all price and non-price barriers to people's access to financial services is referred to as financial inclusion. BMT is a simple and cost-effective way for a company to reach the bottom layer and for a microfinance institution to meet the demand for loanable money (loan). Keywoard : Economic Growth, Financial Inclusion, UMKM, Baitul Maal Wat Tamwil (BMT)Medan City