{"title":"PEMODELAN DAN SIMULASI PROSES SURPLUS PADA BISNIS ASURANSI","authors":"Hutomo Atman Maulana, Erma Domos","doi":"10.35314/INOVBIZ.V6I1.375","DOIUrl":"https://doi.org/10.35314/INOVBIZ.V6I1.375","url":null,"abstract":"Basic insurance business is public trust. Insurance companies must pay attention to the systems and procedures for the payment of claims problem which is not simple. One of the important thing is when determining premium, because if it is too high could lead the company out of competition with the competitor. In the other hand, it is too low could lead the company lack of cash to handle claim which bring a negative impact for the company. This research aimed to give illustration of surplus in insurance business in a year period through determination of premium income and stochastic modelling in number and amount of claims. This model could be used by insurance company to take decision when determining premium whether surplus or ruin. The research used Exponential and Gamma distribution to model time of arrival and amount of claim respectively. The result show that the minimum premium could be found to get minimum surplus and avoid ruin.","PeriodicalId":148692,"journal":{"name":"Inovbiz: Jurnal Inovasi Bisnis","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128661355","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"ANALISIS PENERAPAN TRANSAKSI JUAL BELI SYARIAH DI PASAR SYARIAH","authors":"Idel Waldelmi, Afvan Aquino","doi":"10.35314/INOVBIZ.V6I1.391","DOIUrl":"https://doi.org/10.35314/INOVBIZ.V6I1.391","url":null,"abstract":"Penelitian ini dilatar belakangi akan konsep penerapan transaksi jual beli syariah di pasar Syariah Ulul Albab Desa Tanah Merah Kecamatan Siak Hulu Kabupaten Kampar Riau. Berdasarkan data dilapangan membuktikan bahwasannya transaksi jual beli syariah di pasar syariah sudah diterapkan oleh pedagang yang ada di pasar syariah tersebut. Dimana penerapan yang tertinggi dengan penerapan sesuai dengan skor 4,388, terdapat pada bahasan kemaslahatan bahwasannya segala bentuk kebaikan dan manfaat yang berdimensi duniawi dan ukhrawi, material dan spiritual, serta individual dan kolektif harus lebih di kedepankan untuk hidup yang lebih baik. Selain itu juga, terdapat variable yang terendah dengan angka sebesar 3,668 yakni pada Prinsip persaudaraan (ukhuwah) esensi dari nilai universal yang menata interaksi sosial dan harmonisasi kepentingan para pihak untuk kemanfaatan secara umum dengan semangat saling tolong-menolong. Ini berarti pada nilai ukhuwah yang masuk kategori cukup, artinya nilai ini masih belum diterapkan dengan sepenuhnya oleh pedagang pasar syariah dalam melaksanakan transaksi jual beli. Penerapan transaksi jual beli syariah di pasar syariah ulul albab Desa Tanah Merah Kecamatan Siak Hulu Kabupaten Kampar – Riau sebabkan oleh 3 faktor utama antara lain faktor pengelola/pedagang, pelanggan dan konsep itu sendiri yang tidak ada yakni konsep jual beli syariah. Untuk membuktikan secara ilmiah akan dari penerapan jual beli syariah digunakan metode analisis pendekatan deskriptif kuantitatif. Survey yang dilakukan kepada 50 orang pedagang secara acak/random sampling yang melakukan aktivitas jual beli di pasar syariah ulul albab","PeriodicalId":148692,"journal":{"name":"Inovbiz: Jurnal Inovasi Bisnis","volume":"10 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-07-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132819829","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"PENERAPAN MANAJEMEN RISIKO DALAM MEMINIMALISIR KLAIM PRODUK JAMINAN BANK GARANSI PADA PERUSAHAAN ASURANSI DI PROVINSI RIAU","authors":"Prama Widayat","doi":"10.35314/INOVBIZ.V6I1.392","DOIUrl":"https://doi.org/10.35314/INOVBIZ.V6I1.392","url":null,"abstract":"The research was conducted to observe the implementation of risk management in analyzing the contractor before issuing Surety Bond guarantee by the insurance and continue as the basis for the issuance of Bank Guarantee (KGB) by private banks and BUMN, because there are still contractors who do not perform their obligation to finish the work causing the claim bank guarantee product. The study was conducted by direct interviews to underwriting insurance issuing Bank Guarantee Cons (KGB) products. The study population amounted to about 67 insurance companies registered in Riau province. But not all of them publish KGB is only 5 general insurance companies, the determination of the number of samples is done by using the sampling area.","PeriodicalId":148692,"journal":{"name":"Inovbiz: Jurnal Inovasi Bisnis","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-07-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133531347","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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