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All Journal At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam El-Mujtama: Jurnal Pengabdian Masyarakat Da'watuna: Journal of Communication and Islamic Broadcasting Transformasi Manageria: Journal of Islamic Education Management Jurnal Ekonomi As-Syirkah: Islamic Economic & Financial Journal
Imsar Imsar
UIN Sumatera Utara
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Journal : As-Syirkah: Islamic Economic

 1 
 The Effect of Customer's Level of Understanding on the Purchase of Sharia Education Insurance Products (Case Study at PT. Asurasi Jiwa Syariah Bumiputera KPS Medan Hervina Dahlianti; Imsar Imsar; Nurul Jannah
As-Syirkah: Islamic Economic & Financial Journal Vol 2 No 2 (2023): As-Syirkah: Islamic Economic & Financial Journal
Publisher : Ikatan Da'i Indonesia (IKADI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1125.874 KB) | DOI: 10.56672/syirkah.v2i2.43

Abstract

Sharia Education Insurance is a type of insurance that provides protection against the needs of children's education costs. This study aims to determine the effect of the level of customer understanding on the purchase of Islamic education insurance products. This study uses primary data generated from respondents' questionnaire data. The population in this study are customers who use Islamic education insurance products, the sample is taken using the sample probability technique with a total of 95 respondents obtained using the slovin formula. The data analysis used in this research is the data instrument test, classical assumption test, simple linear regression analysis, and t test. The results of this study indicate that the variable of customer understanding (independent variable) with the results of tcount 6.134 > ttable 0.202, and a significance value of 0.003 <0.005. So it can be concluded that the customer understanding variable (independent variable) has a positive and significant effect on the purchase of Islamic education insurance products (the dependent variable) with an influence level of 28.8% which is included in the moderate relationship level, this is caused by the existence of factors that affect customers. Keywords: Customer Understanding, and Purchase of Sharia Education Insurance
Pengaruh Kinerja Agen Asuransi terhadap Kepuasan Nasabah dalam Proses Penyelesaian Klaim Produk Asuransi Jiwa: Studi Kasus pada AJB Bumiputera 1912 Wilayah Medan Devi Ramadhani; Andri Soemitra; Imsar Imsar
As-Syirkah: Islamic Economic & Financial Journal Vol 2 No 2 (2023): As-Syirkah: Islamic Economic & Financial Journal
Publisher : Ikatan Da'i Indonesia (IKADI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/syirkah.v2i2.106

Abstract

This research aims to determine whether or not there is an influence of agent performance consisting of quality, quantity and agent effectiveness on customer satisfaction at the AJB Bumiputera 1912 Medan Region company. This research uses three independent variables, namely quality, quantity and effectiveness with one dependent variable, namely customer satisfaction. The methodology used in this research is a quantitative method and an associative approach. Samples were taken from AJB Bumiputera 1912 customers in the Medan area, totaling 95 people. The type of data used is primary data. The data analysis method used is Instrument Test, Classical Assumption Test, Multiple Linear Regression Test, and Hypothesis Test. Based on the results of the T test, the agent quality variable has a positive and significant effect on customer satisfaction, the quantity variable shows that this variable has a significant effect on customer satisfaction, and the agent effectiveness variable also has a positive and significant effect on customer satisfaction. Based on the results of the F-test analysis, it was found that the variables of quality, quantity and agent effectiveness together have a positive and significant influence on customer satisfaction. Based on the results of the RSquare value obtained using SPSS valued at 0.552, which means that it explains the magnitude of the influence of quality, quantity and agent effectiveness variables together on customer satisfaction worth 55.2% and the remaining 44.8% can be explained by other variables not included in Research Model.
Analisis Perilaku Moral Hazard dan Adverse Selection pada Agency Problem di Pembiayaan Musyarakah PT. Bank Sumut KCPSY Binjai Prayugo Ali Abdillah; Imsar Imsar; Nurul Jannah
As-Syirkah: Islamic Economic & Financial Journal Vol 3 No 1 (2024): As-Syirkah: Islamic Economic & Financial Journal
Publisher : Ikatan Da'i Indonesia (IKADI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/syirkah.v3i1.121

Abstract

This study aims to determine the form of behavior and how to handle agency problems caused by moral hazard behavior and adverse selection in musyarakah financing at PT. Bank Sumut KCPSY Binjai. The agency problem is the agency problem in the musyarakah product scheme. This type of research is field research with qualitative methods. Sources of data in this study include two categories, namely primary data and secondary data. The subjects in this study were employees of PT. Bank Sumut KCPSY Binjai in the management section that is competent in the field of musyarakah financing. The research results show that the form of moral hazard and adverse selection behavior at PT. Bank Sumut KCPSY Binjai namely the difficulty of banks assessing the true character of customers, errors in analysis, ethical deviations and lack of supervision (monitoring) carried out by banks. PT. Bank Sumut KCPSY Binjai Office made various efforts from screening, verification to monitoring. Furthermore, if the problem of moral hazard and adverse selection has occurred, the bank will handle it in two ways, namely saving financing in the form of first rescheduling, reconditioning, restructuring and solving problem financing by means of billing. lawsuits, execution of mortgage auctions, and WO
Co-Authors Andri Soemitra Anggina Siregar Devi Ramadhani Hervina Dahlianti Hotbin Hasugian Jannah, Nurul Juliana Nasution Khairina Tambunan Laila Hafni M. Syahbudi Maulana Abdul Fattah Meilinda Puspa Muhammad Arif Muhammad Ikhsan Harahap Muhammad Zulhamsyah Siregar Nabil Al Arif Nikita Zulyan Batubara Nurma Hasanah Prayugo Ali Abdillah Rahmi Syahriza Ranti Silviani Reni Ria Armayani Hasibuan Rizki Suhandri Rambe Safiah Saffa Lubis Satria Mariqom Harahap Siti Rahimi Suwandi Suwandi Wahyu Syarvina