ARTICLE TEMPLATE FOR SUBMISSION JURNAL EKONOMI & STUDI PEMBANGUNAN 

1. The manuscript should be in the form of research in the field of Monetary Economics and Banking, Trade, and International Finance, Public Economics, NaturalResourcesandEnvironmentalEconomics, Islamic Economics, Behavioral Economics, Macroeconomics, Microeconomics, Industrial Economics, Economic Development, Regional Economy, and Health Economics.
2. JESP does not accept the manuscript from article review.
3. The manuscript which sent to the JESP should be original work, i.e. the same manuscript must have not been published or accepted for publication in any other journals/ books either in full or substantial part and must not be submitted to any other journal for concurrent publication or being considered for publication or even being reviewed.
4. The manuscript is written in Bahasa Indonesia or Englishandattachingtheauthor's name, institutional affiliation, and e-mail address. The soft file format should be in Microsoft Word, margin 3 cm for every side, font type is Times New Roman, size 12, space 1.5, and justify.
5. Manuscripts must comply with the following guidelines and should be formatted to accordance to JESP template for submission. The Paper which is not complying this re requirement may be returned for revision (format/template) before entering the review process.
6. The manuscript only could be sent via open journal system (OJS) mechanism (not by email) in web address: journal.umy.ac.id/index.php/esp
7. The Editor of JESP reserves the right to edit the grammar and spelling of the text contained without reducing or changing the intent of writing.

Write the Title Briefly and Clearly

(no more than 15 words is recommended)

The title of the article should be concise, interesting and describe the content of the article.

Write the first author^1*; second author²; third author³

¹First author affiliation, state

²Second author affiliation, state

³Third author affiliation, state

Abstract: Abstracts are written in English with one space. The abstract includes a description of the objectives, methods, and results of the study. Abstracts are written briefly, conscience and written in one paragraph (about 250 words) which summarizes important research variables, objectives, and methods (for example: samples and analytical techniques used), and answers to research problems (results).

Keywords: consists of 3-5 phrases (sorted alphabetically); separator uses a semicolon

JEL Classification: fill in this section based on the JEL Codes by American Economic Association; separator uses a semicolon

INTRODUCTION

This section contains the research background, purpose, contribution (the research benefit from theoretical and practical), research result and implication (Practical advice based on research result). The research result and implication in the introduction section are an only suggestion (not mandatory).

RESEARCH METHOD

This section contains the research design, subject/ object/ research sample, operational definition, and measurement variable, collecting data technique/ instrument and data analysis also hypothesis testing.

RESULT AND DISCUSSION

This section contains the data characteristic of subject/ object/ sample/ research respondent, data analysis result, testing instrument and hypothesis (if any), the answer of the research question, findings and findings interpretation. This section if possible can be graphed for each research variable. Furthermore, the descriptive statistic value was presented (eg; Mean, SD, Maximum, Minimum) with its interpretation. At the end of the section showed the hypothesis research result and its discussion completely.

CONCLUSION

Presented the research conclusion, implication, limitation and advice for future research. The implication is practical advice from result research. Research limitation includes all aspects that can be considered by researchers to refine future research. While the research advice is advised for the next research based on the limitation that cannot be done by a researcher in his research.

ACKNOWLEDGMENT (OPTIONAL)

This section is provided for the author to express his gratitude either for the research funders or the other parties who contribute into research realization.

RECOMMENDATION (OPTIONAL)

This section is provided for authors to make recommendations for future research by another author.

REFERENCES

The composition of the bibliography used consists of 80% of the primary reference sources (journals, proceedings) and a maximum of 20% secondary reference sources (textbooks) published in the last 10 years. It is recommended to use a library management application (Mendeley, Zotero, Endnote, Reference Manager). Please follow the Harvard style. It’s recommended for the author.

Akhtar, M., Ali, K., and Sadaqat, S. (2011) Fac­tors Influencing the Profitability of Is­lamic Banks of Pakistan. International Research Journal of Finance and Economics, 66(1), 125-132.

Harimurti, P., Pambudi, E., Pigazzini, A and Tandon, A. (2013) The nuts and bolts of Jamkesmas, Indonesia‟s government-financed health coverage program for the poor and near-poor, The World Bank, UNICO Studies Series 8, Wa­shington. Viewed 4 June 2015, <http://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/ IB/2013/03/25/000333037_20130325130647/Rendered/PDF/ 749960REVISED0000PUBLIC00Indonesia1.pdf>.

Mitchell, J.A., Thomson, M. and Coyne, R.P. (2017) A guide to citation. E-book li­brary [online]. Available at: https://www.mendeley.com/reference-management/reference-manager (Ac­cessed: 10 September 2016).

Rambajan, A. (2011) The relationship between corporate governance and company performance. Pretoria: University of Pretoria.

RBI. (2011) Financial Inclusion and Financial Literacy. In RBI OECD Seminar on The Updates on Financial Education and Inclusion Programmes. India.

Topalova, P. (2007) ‘Trade liberalization, poverty, and inequality: Evidence from Indian districts' in A Harrison, (ed), Globalization and poverty 1–46. Chicago: University of Chicago Press. Available from https://www.nber.org/chapters/ c0110.pdf. (Accessed: 1^st August 2018)

APPENDIX (OPTIONAL)

Contain the research instrument, ques­tionnaires, experiment scenario, interview question list, and another instrument.

Table 1. Experimental Design and Hypothesis 3a and 3b

Source: Author’s estimation based on Vidyatama et.al. (2014)

Figure 1. Evolution of Health Insurance in Indonesia