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All Journal Jurnal Ilmu Ekonomi dan Bisnis Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam As-Syirkah: Islamic Economic & Financial Journal
Vega Liana
Universitas Islam Negeri Sumatera Utara
Religion Economics, Econometrics & Finance Education Social Sciences

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Analisis Analisis Proses Underwriting pada Produk Kafalah Pembiayaan Surety Bond di PT Penjaminan Jamkrindo Syariah Cabang Medan Vega Liana; Yusrizal Yusrizal
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 4 No 1 (2023): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam (in Press)
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v4i1.1388

Abstract

The purpose of this study was to determine the Underwriting Process for the Surety Bond Financing Kafalah Product at PT Penjamina Jamkrindo Syariah Medan.This creates a healthy competitive environment between contractors and prevents the emergence of an unfair competition climate, such as monopoly, which may be carried out by principals/contractors with very large sums of money. Equitable regional development across Indonesia may result in a just and successful society, and it is inextricably linked to development projects. In Indonesia, a presidential edict stipulates that any development project procurement must not only satisfy administrative requirements, but also give assurances. PT. Jamkrindo Syariah is one of the insurance businesses that may provide surety bonds. To get a surety bond guarantee, the principal must submit the required papers to PT. Jamkrindo Syariah, which must then go through an underwriting procedure to assess whether the project is feasible. If possible, a policy will be given; otherwise, PT. Jamkrindo Syariah will send the principal a refusal letter.
Pengaruh Media Pemasaran, Brand Image dan Customer Trust Terhadap Purchase Decision Polis Asuransi Vega Liana; Nuriaslami
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol 3 No 2 (2021)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (249.845 KB) | DOI: 10.24239/jiebi.v3i2.73.125-134

Abstract

Tujuan dari penelitian ini adalah untuk melihat bagaimana pengaruh media pemasaran, citra merek, dan kepercayaan pelanggan terhadap pembelian polis asuransi pada PT. Asuransi Jasa Indonesia (Persero). Penelitian ini menggunakan metodologi kausal dan kuantitatif berdasarkan data responden dari konsumen individu yang menggunakan program asuransi non-kredit dengan durasi jaminan satu tahun, dan didasarkan pada kajian literatur atau sumber perpustakaan. pengambilan sampel dengan tujuan Analisis deskriptif digunakan dalam penelitian ini, dilanjutkan dengan verifikasi menggunakan prosedur uji statistik seperti partial least squares (PLS). Berdasarkan hasil temuan juga menunjukkan bahwa pada PT. Asuransi Jasa Indonesia (Persero) Cabang Pekanbaru, kualitas pelayanan memiliki pengaruh yang lebih besar terhadap keputusan pembelian dibandingkan dengan promosi, citra merek, atau kepercayaan pelanggan.
Analisis Proses Underwriting pada Produk Kafalah Pembiayaan Surety Bond di PT Penjaminan Jamkrindo Syariah Cabang Medan Vega Liana; Yusrizal Yusrizal
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 4 No 1 (2023): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (981.588 KB) | DOI: 10.47467/elmal.v4i2.1390

Abstract

The purpose of this study was to determine the Underwriting Process for the Surety Bond Financing Kafalah Product at PT Penjamina Jamkrindo Syariah Medan.This creates a healthy competitive environment between contractors and prevents the emergence of an unfair competition climate, such as monopoly, which may be carried out by principals/contractors with very large sums of money. Equitable regional development across Indonesia may result in a just and successful society, and it is inextricably linked to development projects. In Indonesia, a presidential edict stipulates that any development project procurement must not only satisfy administrative requirements, but also give assurances. PT. Jamkrindo Syariah is one of the insurance businesses that may provide surety bonds. To get a surety bond guarantee, the principal must submit the required papers to PT. Jamkrindo Syariah, which must then go through an underwriting procedure to assess whether the project is feasible. If possible, a policy will be given; otherwise, PT. Jamkrindo Syariah will send the principal a refusal letter. Keywords : Surety Bond, Underwriting
Analisis Sharia Compliance Pada Produk Kafalah Pembiayaan Surety Bond di PT.Penjaminan Jamkrindo Syariah Kantor Cabang Medan Vega Liana; Muhammad Arif; 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 | DOI: 10.56672/syirkah.v2i2.103

Abstract

This research is the result of a qualitative descriptive study that aims to answer questions regarding the mechanism for the issuance of Kafalah products for Surety Bond Financing and Sharia Compliance for Kafalah Surety Bond Financing products at PT Penjaminan Jamkrindo Syariah Medan Branch Office. This research is a type of field research. Data collection was carried out through direct interviews with Surety Bond staff and other operational divisions at PT. Medan Sharia Jamkrindo Guarantee. Supported by the study of documents related to research, such as statutory regulations, DSN-MUI Fatwas, and Kafalah surety bond certificates and official websites. Then the results collected were analyzed in the form of a qualitative descriptive analysis method. The results of the research obtained are the first, regarding the mechanism of the process of issuing Kafalah products for Surety Bond Financing from three parties, namely the Project Owner (Obligee) then continued by the Contractor (Principal), namely the party that gives the achievement and finally we submit it to the Guarantee (Suretyship) /Surety Company) to process Company guarantees to be given or claimed to the principal and submitted to the obligee. secondly, namely in carrying out the guarantee business activities of PT. The Jamkrindo Syariah Guarantee uses the Kafalah contract as determined by the National Sharia Council, namely DSN-MUI FATWA No.11/DSN-MUI/IV/2000 concerning Kafalah, including its application in Kafalah Surety Bond Financing products. However, there are still a number of things that need to be emphasized again, one of the pillars and conditions of Makful Anhu, namely being known by the guarantor and being able to hand over his dependents to the guarantor. So here a Surety bond is a guarantee issued by an insurance company to help the obligee due to the failure of the principal to carry out the project (default). So surety bonds are an alternative form issued by loss insurance companies (Guarantee) and PT. The Jamkrindo Syariah guarantee is expected to be able to maintain adherence to Sharia Compliance, which is currently well fulfilled. Keywords: Kafalah Surety Bond Products Sharia Compliance, Kafalah Surety Bond Product Mechanisms
Co-Authors Jannah, Nurul Muhammad Arif Nuri Aslami Yusrizal Yusrizal Yusrizal Yusrizal