Elsa Elsa, Rustamunadi Rustamunadi, Sarehan Khwankawin, Ratu Humaemah, Ammar Dafin
{"title":"Analisis Faktor-Faktor yang Memengaruhi Ingkat Solvabilitas Perusahaan Asuransi Syariah di Indonesia","authors":"Elsa Elsa, Rustamunadi Rustamunadi, Sarehan Khwankawin, Ratu Humaemah, Ammar Dafin","doi":"10.32678/sijas.v8i2.7153","DOIUrl":"https://doi.org/10.32678/sijas.v8i2.7153","url":null,"abstract":"This research aims to seek partial and simultaneous proof of free variables that can affect solvency in Islamic insurance companies in Indonesia. This research uses quantitative research methods. The population taken in this research is the financial statements of Islamic insurance companies in Indonesia for the period of 2017-2020. While the samples used in this research are 11 financial statements of Islamic insurance companies in Indonesia in the period 2017-2020. The research technique applied to this research is a multi-linear analysis technique. The results of this research showed that free variables including company size, profitability and investment results simultaneously affect the solvency of Islamic insurance companies in Indonesia in the period 2017-2020. Then the variable size of the company, profitability, and investment returns separately affects the solvency of Islamic insurance companies in Indonesia in the period 2017-2020.","PeriodicalId":255392,"journal":{"name":"Syar'Insurance: Jurnal Asuransi Syariah","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131162800","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":"Pengaruh Likuiditas dan Solvabilitas Terhadap Profitabilitas pada Perusahaan Asuransi Syariah yang Terdaftar di OJK Tahun 2017-2020","authors":"Muhamad Syukhandri, M. Rahayu","doi":"10.32678/sijas.v8i2.7167","DOIUrl":"https://doi.org/10.32678/sijas.v8i2.7167","url":null,"abstract":"Every syari'ah insurance company has goals to be achieved, one of which is to get maximum profit. To measure the profit level of a company can use the profitability ratio. Profitability ratios in companies need to also pay attention to other ratios that might affect businesses in achieving targeted profits, in this study the ratios used are the liquidity ratio and solvency ratio. The results showed that partially liquidity as measured by the Current Ratio has a negative and significant effect on profitability as measured by Return On Assets with a significance level of 0.0055 <0.05. Solvability as measured by the Debt to Asset Ratio has a negative and significant effect on profitability as measured by Return On Assets with a significance level of 0.0002 <0.05. Simultaneously liquidity and solvency have a significant effect on profitability together with a significance level of 0.000029 <0.05. The R2 value is 0.770904, meaning that 77% of profitability is influenced by liquidity and solvency, and the remaining 23% is influenced by other variables not examined in this study.","PeriodicalId":255392,"journal":{"name":"Syar'Insurance: Jurnal Asuransi Syariah","volume":"116 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132250044","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 Pialang Asuransi dan Reasuransi Dalam Perkembangan Digitalisasi di Tengah Persaingan Teknologi","authors":"Endah Robiatul Adawiyah, Mohamad Sundus, Udin Wahrudi","doi":"10.32678/sijas.v8i2.7154","DOIUrl":"https://doi.org/10.32678/sijas.v8i2.7154","url":null,"abstract":"\u0000\u0000\u0000\u0000 \u0000Abstract:\u0000An insurance broker is an insurance company supporting company that has a role as a consulting service or intermediary that complements insurance or Sharia insurance and processes claims by acting on behalf of policyholders, insured, or participants, while the Reinsurance Brokers play a role for the benefit of insurance companies. The progress in economic digitalization encourages the insurance brokerage industry to adapt with the insurance companies to compete and develop innovations in the digital era. This study aims to determine the analysis of insurance and reinsurance brokers in the development of digitalization in the midst of technological competition by taking samples at PT. PAIB Indonesia. This type of research is a field case study research with a descriptive qualitative approach. Data collection was done by interview, observation, and documentation. Primary data sources in this study came from interviews with Mr. Dandi Yudhistira B.Comm., Anziif (Snr Assoc) CIP as director at PT. PAIB Indonesia. In addition, the primary data in this study came from secondary data in this study came from books, several journals, the company's official website, and other digital media. Based on the results of an analysis that has been done, it is known that the insurance brokerage company PT. PAIB Indonesia in the face of current digital developments, the company always tries to provide opportunities for its employees to provide the regular training which relevant with APPARI and will be applied in the company in its operations. In facing the current digital development, PT. PAIB Indonesia does not waste opportunities in the use of technology, companies utilize technology by providing internet services to the public through digital platforms.\u0000\u0000\u0000\u0000","PeriodicalId":255392,"journal":{"name":"Syar'Insurance: Jurnal Asuransi Syariah","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133059451","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":"Implementasi Strategi Pemasaran Model Segmentassi Terhadap Produk Asuransi Kebakaran","authors":"Elida Mahriani, H. Hendrianto, Nurlaili Arista","doi":"10.32678/sijas.v8i2.7277","DOIUrl":"https://doi.org/10.32678/sijas.v8i2.7277","url":null,"abstract":"The presence of fire insurance products offered by insurance companies to the public is to provide protection and guarantee for loss or damage to property caused by fire. The segmenting model marketing strategy includes the dominant marketing strategy applied to market fire insurance products. People who have a low or high level of property fire risk are the target market. In the application of this segmenting model marketing strategy, although it has been effective and successful in marketing products, there are still obstacles that result in insurance products not reaching significant sales targets due to the lack of public awareness of their property fire insurance. The marketing strategy in this company uses direct channel and indirect channel marketing strategies, where Direct channel marketing is carried out by agents, staff or other employees and indirect channel marketing is carried out by broker or brokerage services. Because the products marketed are different, the marketing strategies are different. Fire insurance marketing uses three segmenting models, namely the first is general corporate segmentation where the target is in terms of the public such as malls and banks. second, special corporate segmentation where the target is in terms of government such as the DPRD building. And the third is retail segmentation where the target is in terms of individuals such as residential houses. From these three segments, fire insurance products are of interest to the public and also have a good sales rate.","PeriodicalId":255392,"journal":{"name":"Syar'Insurance: Jurnal Asuransi Syariah","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132714316","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 Teoritik dan Praktik Atas Khilafiyah Kesyariahan Reasuransi Non Proporsional","authors":"Sjaeful Safarudin","doi":"10.32678/sijas.v8i2.7151","DOIUrl":"https://doi.org/10.32678/sijas.v8i2.7151","url":null,"abstract":"The purpose of this paper is to study the discussion in Islamic insurance industry related with question whether Non Proportional Reinsurance program is in accordance with Sharia compliance or not. The discussion of this paper refers to some credible sources i.e., discussion with some stakeholder in sharia insurance industry, DSN-MUI and KASAN Journal. Based on these sources, six basic thinking which are underlying the statement that Non-Proportional Reinsurance program is not accordance with Sharia compliance and then responded with the basis of theoretical review and practical examples in Islamic Insurance and Reinsurance. The response give underlies the author’s statement that Non-Proportional Reinsurance Program is neutral and can be used by Islamic Insurance and Reinsurance companies","PeriodicalId":255392,"journal":{"name":"Syar'Insurance: Jurnal Asuransi Syariah","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123728064","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 PEMASARAN BERJENJANG BERDASARKAN SEOJK NO.19/SEOJK.05/2020 TENTANG SALURAN PEMASARAN PRODUK ASURANSI DALAM PERSPEKTIF ISLAM","authors":"Wahyudin Rahman, Kamaradika .","doi":"10.32678/sijas.v8i1.6026","DOIUrl":"https://doi.org/10.32678/sijas.v8i1.6026","url":null,"abstract":"MLM atau pemasaran berjenjang sudah diterapkan secara luas namun dalam prakteknya masih terdapat perdebatan, pertentangan, ataupun permasalahan seperti penipuan. Terbitnya SEOJK No. 19/SEOJK.05/2020 yang salah satunya mengenai pemasaran berjenjang perlu ditelaah lebih dalam secara perspektif Islam agar penerapan dan prakteknya dapat digunakan dalam Industri Asuransi Syariah. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kepustakaan. Hasil penelitian menunjukkan bahwa pemasaran berjenjang pada SEOJK No. 19/SEOJK.05/2020 tidak bertentangan dengan syariat Islam selama memenuhi fatwa DSN MUI No. 75/DSN MUI/ VII/2009. Perusahan asuransi syariah harus menerapkan akad wakalah bil ujrah antara perusahaan asuransi dengan agen dan akad ju’alah untuk pemberian bonus sesuai yang disepakati, berlaku adil dalam pemberian komisi dan bonus, terbebas dari unsur ighra`, melakukan pengawasan dan pembinaan serta tidak melakukan money game.","PeriodicalId":255392,"journal":{"name":"Syar'Insurance: Jurnal Asuransi Syariah","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127541076","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":"DETERMINAN PERMINTAAN ASURANSI SYARIAH DI INDONESIA: ANALISIS VARIABEL MAKROEKONOMI","authors":"Sakina Cahayati, D. Darwanto, Mochammad Ardani","doi":"10.32678/sijas.v8i1.6150","DOIUrl":"https://doi.org/10.32678/sijas.v8i1.6150","url":null,"abstract":"Penelitian ini menganalisis faktor-faktor yang mempengaruhi permintaan asuransi syariah di Indonesia. Metode analisis yang digunakan dalam penelitian ini adalah Autoregressive Distributed Lag - Error Correction Model (ARDL-ECM) dengan rangkaian data bulanan dari Januari 2015 sampai Desember 2019. Hasil estimasi ARDL-ECM model (1,0,0,0,0,0) menunjukan bahwa permintaan asuransi syariah tidak bergantung pada variabel inflasi dan premi asuransi konvensional dalam jangka pendek dan panjang. Adapun permintaan asuransi syariah ditentukan oleh pendapatan perkapita masyarakat, SBIS rate, dan pertumbuhan sektor keuangan dalam jangka pendek dan panjang.","PeriodicalId":255392,"journal":{"name":"Syar'Insurance: Jurnal Asuransi Syariah","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114913522","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":"PERANAN TEKNOLOGI PADA INDUSTRI ASURANSI (INSURTECH) MASA PANDEMIC COVID-19","authors":"Nina Agustina, Asep Dadan Suganda","doi":"10.32678/sijas.v8i1.6118","DOIUrl":"https://doi.org/10.32678/sijas.v8i1.6118","url":null,"abstract":"Dampak buruk adanya pandemic Covid-19 yang menggoncangkan berbagai bidang terutama kesehatan dan ekonomi, justru menjadi peluang positif bagi perkembangan teknologi digital. Termasuklah dalam teknologi keuangan yang dikenal dengan Financial Technology (FinTech). Artikel ini disusun untuk mengetahui peran Financial Technology yang merupakan inovasi finansial dengan basis teknologi modern yang diharapkan mampu memfasilitasi aktifitas keuangan khususnya pada perusahaan asuransi dengan penggunaan teknologi (Insurance Technology). Metode yang digunakan dalam penelitian ini adalah deskriptif kualitatif, dimana peneliti sebagai instrument kunci yang berperan sebagai perencana, pelaksana, pengumpul data, penganalisis data dan pelaporan hasil penelitian. Untuk mengetahui fenomena yang ada pemilihan informan menggunakan teknik purposive sampling dengan menggunakan pendekatan observasi, wawancara dan dokumentasi. Temuan dalam penelitian ini diantaranya yaitu bahwa FinTech diklasifikasikan kepada; Peer-to-Peer Lending, Crowdfunding, E-Wallet, Micro Finance, Payment Gateway, Investasi, dan Bank Digital. Dengan adanya kemajuan teknologi dalam lembaga keuangan asuransi memberikan dampak positif seperti; memudahkan perusahaan dalam menjangkau nasabah walaupun dengan posisi jarak jauh, memudahkan perusahaan dalam memberikan edukasi serta fasilitas kepada nasabah, memudahkan nasabah dalam melakukan berbagai macam transaksi seperti pembayaran premi, pengajuan klaim, dan pengisian SOP, juga memudahkan perusahaan untuk memperkenalkan asuransi Syariah kepada masyarakat umum, memudahkan perusahaan dalam proses marketing dengan jangkauan yang lebih luas dan dengan cara yang efektif, dan memudahkan perusahaan untuk melakukan berbagai macam kolaborasi dengan Lembaga lain dalam melakukan inovasi terbaru.","PeriodicalId":255392,"journal":{"name":"Syar'Insurance: Jurnal Asuransi Syariah","volume":"18 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128948654","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":"PENGANTAR KLAUSA BAKU ASURANSI SYARIAH DI INDONESIA","authors":"Wida Andina, Iza Hanifudin","doi":"10.32678/sijas.v8i1.5305","DOIUrl":"https://doi.org/10.32678/sijas.v8i1.5305","url":null,"abstract":"Manusia adalan Zoon Politicion, karna antara yang satu dengan yang lain akan saling membutuhkan. Hal itulah yang mendasari manusia untuk saling berhubungan atau dalam islam disebut dengan Hablum Minannas. Aktivitas-aktivitas yang membuat manusia saling berhubungan adalah aktivitas ekonomi baik secara syariah maupun konvensional. Aktivitas ekonomi yang berdasarkan syariah adalah yang berdasarkan prinsip agama islam atau syariah islam. Asuransi syariah adalah salah satu aktivitas ekonomi yang berdasarkan prinsip syariah, yang pedoman pelaksanaanya adalah berdasarkan rasa takwa kepada tuhannya, adil tidak zalim, rasa tolong menolong santara umat beragama, kepercayaan, dann terbebas dari unsur-unsur riba. Akan tetapi, mayoritas masyarakat masih belum merespon sesuai dari yang diharapkan, entah itu krna kurangnya sosialisasi atau penanaman dasar-dasar keagamaan yang kurang mendalam.","PeriodicalId":255392,"journal":{"name":"Syar'Insurance: Jurnal Asuransi Syariah","volume":"21 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125251503","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":"PENGARUH PENDAPATAN KONTRIBUSI, KLAIM, DAN HASIL INVESTASI TERHADAP PERTUMBUHAN ASET PERUSAHAAN PT ASURANSI ALLIANZ LIFE UNIT SYARIAH","authors":"Jajuli Jajuli","doi":"10.32678/sijas.v8i1.6400","DOIUrl":"https://doi.org/10.32678/sijas.v8i1.6400","url":null,"abstract":"Kebutuhan akan jasa perasuransian makin dirasakan baik oleh perorangan maupun dunia usaha di Indonesia. Asuransi merupakan sarana finansial dalam tata kehidupan rumah tangga baik dalam menghadapi resiko yang mendasar seperti resiko kematian atau resiko atas harta benda yang dimiliki. Rumusan Masalah Penelitian: 1) Bagaimana Kontribusi, Klaim, dan Hasil Investasi secara bersamaan berpengaruh terhadap Pertumbuhan Aset Perusahan pada PT Asuransi Allianz Life Indonesia Unit Syariah Tahun 2014 – 2020?. Tujuan Penelitian ini adalah : Untuk mengetahui secara bersamaan pengaruh Kontribusi, Klaim, dan Hasil Investasi terhadap Pertumbuhan Aset Perusahaan PT Asuransi Allianz Life Indonesia Unit Syariah Tahun 2014 – 2020. Metode yang digunakan dalam penelitian ini adalah metode penelitian kuantitatif, dengan analisis deskriptif. Penelitian deskriptif ini dimaksudkan untuk memberikan gambaran dan menerangkan keadaan perusahaan yang tergambar melalui Laporan Keuangan dan Annual Report.. Hasil dari penelitian ini adalah : Hasil pengujian hipotesis variable Kontribusi, Klaim, dan Hasil Investasi berpengaruh secara signifikan terhadap Aset. Hal ini dapat dilihat dari uji-f atau uji simultan yang dilakukan, hasil penelitian menunjukkan bahwa nilai f > f (8,519 > 2,760) dengan demikian H4 diterima atau dapat disimpulkan bahwa variabel bebas secara bersama-sama berpengaruh signifikan terhadap variabel terikat.","PeriodicalId":255392,"journal":{"name":"Syar'Insurance: Jurnal Asuransi Syariah","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125177323","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}