The Indonesian government has been implementing the National Health Insurance ( Jaminan Kesehatan Nasional [JKN]) policy since 2014. This study aimed to evaluate JKN based on equity indicators, especially in skilled birth attendants (SBAs) use. The data were obtained from National Socio-Economic Survey of Indonesia during 2012 to 2016. To analyze the data, χ2 and logistic regression tests were applied. The respondents were married mothers from 15 to 49 years who had delivered a baby. Deliveries by SBAs increased at the national level, but this achievement showed significant variation according to geographical location. The coverage of deliveries by SBAs in the eastern areas of Indonesia was still much lower than those in the western areas. All factors determining SBAs utilization (health insurance ownership, education, household economic status, and geography factor) indicated the positive correlation ( P < .05). The inequity of SBA use in differences in geographical location and socioeconomic status continues to occur after the implementation of JKN.

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Operational Costs on Operating Income (BOPO), Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) to Profitability with Return on Assets (ROA) in Indonesian Commercial Banks . The population in this study were 13 Sharia Commercial Banks in Indonesia registered in the Financial Services Authority and Bank Indonesia from 2013-2017, with a total sample of 6 Islamic Commercial Banks. The analytical method used is descriptive statistics, classic assumption tests, and multiple linear regression for hypothesis testing. The results showed partially that the Operational Cost of Operational Income had a significant negative effect on Return on Assets, while the Capital Adequacy Ratio, Non Performing Financing and Financing to Deposit Ratio did not affect Return on Assets of Islamic Commercial Banks in Indonesia. Simultaneously, the Capital Adequacy Ratio, Operational Cost to Operaional Revenue, Non Performing Financing and Financing to Deposit Ratio have a significant effect on Return on Assets of Islamic Commercial Banks in Indonesia. The predictive ability of the four variables on Return on Assets is 82%, while the remaining 18% is influenced by other factors outside of this research model.

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Three keratinolytic bacterial isolates were characterized partially for their keratinase activity. Bacterial isolates were grown in feather meal agar. Ammonium sulfate precipitation followed by dialysis was performed to know the bacterial isolate keratinase activity in differet pH and temperature. Identification of the bacteria was done by using their 16S rRNA gene sequences. The result showed that bacterial growth was coinciding with keratinase activity. Precipitation with ammonium sulfate showed that keratinae activity of isolate A4 was optimum at 20% of ammonium sulphate, while B4 and B6 were more active at 70%. Keratinase activity increased after dialysis. Keratinase of A4 showed to have optimum activity at temperature of 45oC and pH=8, B4 was optimum at temperature of 35oC and pH=7, while B6 was optimum at temperature of 40oC and pH=7, respectively. Identification of the bacterial isolates using 16S rRNA gen showed that A4, B4, and B6 were closed to Leclercia adecarboxylata strain M-X17B, Azotobacter chroococcum strain ABA-1, and Stenotrophomonas maltophilia strain BIW by 97%, 99%, and 98%, respectively. Two bacteria L. adecarboxylata and A. chroococcum were firstly reported to produce keratinase.

Background: The Indonesian government has been implementing the National Health Insurance Policy (Jaminan Kesehatan Nasional-JKN) since 2014. The utilization of family planning service is one of the programs to increase maternal and child health status that is included in the benefit package in JKN. This study aimed to describe determinants and to evaluate JKN based on equity indicators, especially in family planning services. Methods: Data were obtained from the 2012-2016 National Socio-Economic Survey (SUSENAS) of Indonesia. Contraceptive Prevalence Rate (CPR) and Long-acting contraceptives (LACs) use were used as indicators to evaluate family planning utilization. Chi-square and logistic regression tests were used to analyze the data. Respondents were married women between 15 and 49 years of age. Results: There was no progress in CPR after the implementation of JKN. At the national level, CPR decreased within five years (2012-2016). Decreasing in urban areas and in the group that does not have health insurance were more than in rural areas and in the group that has health insurance. Utilization of non-LACs, especially injection (56%-57%) and pill (21%-24%), were still high within 2012-2016. At the national level, LACs use increased 3.18% between 2012-2016 (15.54%-18.72%). Increasing in urban areas and in the group that has subsidized health insurance were more than in rural areas and in the group that does not have subsidized. In 2016, the geography factor (rural-urban) and household economic status associated negatively with the use of overall contraceptive methods (p<0.05). Conversely, all the determinants were positively associated with LACs use (p<0.05). Conclusions: Up to 2016, the JKN program did not increase CPR. Conversely, the JKN program obtained only small increases in LACs use. LACs use in rural areas is less than in urban areas. JKN program can increase LACs use in the group that has subsidized health insurance. CPR and LACs coverage could increase through health system improvement, and the societal norms approach. Health system improvement is operationalized through improving supply-side and regulations, increasing coordination among multiple agencies in the family planning program.