., Suhardi, Inda Sukati, Mauli Siagian, Ida Bagus Udayana Putra, Nur Elfi Husda, and Dhio Shafiq. 2025. “Human Capital Management, Work Ethics, and Organizational Citizenship Behavior: Keys to Improving the Performance of the Life Insurance Industry”. Journal of Cultural Analysis and Social Change 10 (3):1047-63. https://doi.org/10.64753/jcasc.v10i3.2546.