In this era of increasing globalization, exports play an essential role in the Indonesian economy. Exports are activities carried out by companies or businesses in a country by selling their products outside their country of origin. Exporting is an activity that describes the competitiveness of a country's economy. It is also a by-product of Indonesia's diverse experience, innovation, productivity, and human resources quality. To increase exports, the Government seeks to produce half a million exporters in 9 years. Finance Minister Sri Mulyani Indrawati is optimistic that she will be able to print up to 500 thousand new exporters in 2030.

Many companies have dared to export to various countries, but unfortunately, domestic MSMEs have a low contribution value to Indonesia's export earnings. According to the data obtained, only 14.7% of MSMEs export, which is very small compared to APEC member countries that have reached 35% of MSME exports.

BNI Chairman Director Royke Tumilaar said that P.T. Bank Negara Indonesia, Tbk (BNI) is receiving a mandate from the Ministry of State Enterprises to become an Indonesian international bank that can encourage domestic business players to access global markets. Furthermore, he said: "Export-oriented MSMEs have grown quite a bit, and we have seen some cities quite successful. It is an opportunity for BNI to open up export services for MSMEs. P.T. Bank Negara Indonesia (Persero) Tbk continues to explore its international business potential and can connect with the diaspora in various countries.

To support the country's Small and Medium Enterprises (SMEs) to enter the international market and support government programs, in 2021, P.T. Bank Negara Indonesia (Persero) Tbk. (BNI) has presented the BNI Xpora solution (Export UKM Solution), a solution for SMEs to become productive, global, and digital with the motto Export So Easy. Royke said, in providing Xpora, that it is a platform to help MSMEs transform faster and help them go global.

For the sake of promoting the ambitious project, Lippo has poured more than Rp 1.5 trillion in marketing funds. The massive Meikarta advertisements have been seen since the beginning of 2017. Almost all promotional media such as television, radio, newspapers, billboards, and social media are full of Meikarta advertisements, which offer classy metropolitan residences in the east of Jakarta. The buyers' interest was so high that the order for apartments in Meikarta had reached 16,800 units and these sales got the MURI record as the most apartment unit sales in one day until it was discovered that the Meikarta Project did not have an Environmental Impact Analysis (Amdal) and Building Permit (IMB) permit. The Consumer Protection Act prohibits businesses from offering, promoting, and advertising goods or services that are not yet available. The Flats Act states that the developer must at least have a permit to construct flats if they market before construction. The government should strictly prohibit the sale of property that is not accompanied by a full license. Buying and selling an unfinished apartment needs to be stopped because it may be hazardous for the buyer. Apartment consumers are always in a weak position if the project is stalled or the developer goes bankrupt.

The income of the premium of the life insurance industry declined during the COVID-19 pandemic and caused the industry to post losses (Exhibit 1). And Government Regulation Number 21 of 2020 on Large-Scale Social Restrictions (PSBB) to stay at home and maintain a distance so that sales agents cannot sell insurance products face-to-face directly to potential customers. The president director of Prudential Indonesia, Jens Reisch said that "the appearance of COVID-19 in Indonesia has caused activities to occur at home, one of which is the implementation of Working From Home (WFH). In this context, Prudential undertook various initiatives to continue providing services that meet customer needs." To address these issues, Prudential Indonesia and other companies that are members of the Indonesian Life Insurance Association (AAJI) applied to the financial services authority (OJK) through letter Number 087 / IA.KPI / AAJI / 2020 dated March 24. 2020 on the Proposed Changes to Various Regulations Related to Marketing and Marketing. Sale of Insurance Products to Prepare the Life Insurance Industry to Face Problems Caused by the Corona Virus and Facing the Digital Era and letter number 101 / PRI / AAJI / V / 2020 regarding May 5, 2020, PAYDI marketing applications with direct meetings in digital or electronic media. In response to this letter, on June 22, 2020, Prudential Indonesia obtained permission from the Financial Services Authority (OJK) to conduct virtual face-to-face marketing of unit-linked insurance products. The wave of digitization has affected various sectors, fields, and industries, including life insurance. Preparation for digitization in the insurance industry is ripe because many have invested in digital technology. Additionally, many insurance companies have collaborated with digital technology companies to improve customer services to be more efficient and faster. The president and director of Prudential Indonesia, Jens Reisch, said that "the appearance of COVID-19 in Indonesia has caused activities to occur at home, one of which is the implementation of Working From Home (WFH). In this context, Prudential carries out several initiatives to continue providing services that meet customer needs". In the process, Jens managed to find a solution after many discussions with his team, "We are proud to have obtained permission from OJK to market unit link products through a virtual face-to-face, and launch a digital marketing channel, called PRUCekatan. The product uses integrated end-to-end digital systems and capabilities. Prudential Indonesia's marketing strategy was developed and managed directly by Prudential Indonesia. Customers and prospects can now consult with marketers about their insurance needs and realize life insurance applications anytime, anywhere in Indonesia conveniently and most importantly, safe. "