., Suhardi, Inda Sukati, Mauli Siagian, Ida Bagus Udayana Putra, Nur Elfi Husda, and Dhio Shafiq. “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, no. 3 (November 29, 2025): 1047–1063. Accessed July 29, 2026. https://jcasc.com/index.php/jcasc/article/view/2546.