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All Journal Wahana Islamika: Jurnal Studi Keislaman Syar'Insurance: Jurnal Asuransi Syariah
Ratu Humaemah
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Arts Humanities Economics, Econometrics & Finance Education Social Sciences

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ANALISIS PERAN KINERJA AGEN ASURANSI DALAM MEMBANTU PENYELESAIAN KLAIM PADA PRODUK SIAGAKOE Ratu Humaemah; Shifa Fauziah
Syar'Insurance: Jurnal Asuransi Syariah Vol 6 No 2 (2020): December
Publisher : UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/sijas.v6i2.3161

Abstract

Agen asuransi merupakan orang yang terikat pada perusahaan asuransi yang bertugas untuk mencari nasabah, merundingkan ketentuan polis, dan melayani para pemegang polis. Kinerja agen asuransi mempunyai peran yang paling penting pada suatu bisnis asuransi dalam menjalankan atau memasarkan produk asuransi yang ada di perusahaan yang bersangkutan, tidak hanya memasarkan produk saja, tetapi juga memberikan edukasi dan membangun kesadaran masyarakat akan pentingnya berasuransi, termasuk memberikan informasi atau menjelaskan prosedur klaim. Kinerja agen akan berdampak pada keunggulan bersaing dalam bisnis asuransi dan menjadi ujung tombak untuk mencapai tujuan perusahaan. Adapun perumusan masalah dalam penelitian ini yaitu: (1) Bagaimana peran kinerja agen asuransi pada produk siagakoe PT. Asuransi Umum Bumiputera Muda 1967 Syariah Serang? (2) Bagaimana analisis terhadap peran kinerja agen asuransi dalam membantu penyelesaian klaim pada produk siagakoe PT. Asuransi Umum Bumiputera Muda Syariah Cabang Serang? Adapun tujuan dari penelitian ini yaitu: (1) Untuk mengetahui peran kinerja agen pada produk siagakoe PT. Asuransi Umum Bumiputera Muda 1967 Syariah Serang (2) Untuk mengetahui hasil analisis peran kinerja agen dalam membantu penyelesaian klaim pada produk siagakoe PT. Asuramsi Umum Bumiputera Muda 1967 Syariah Serang. Penelitian ini menggunakan metode kualitatif. Data yang digunakan data primer dan data sekunder. Data primer yaitu melakukan wawancara dan observasi langsung pada PT. Asuransi Bumiputera Muda 1967 Cabang Serang. Data sekunder berupa bersumber dari buku-buku, website, artikel, kajian penelitian yang terdahulu yang relevan dan sumber lainnya. Hasil penelitian menunjukkan bahwa peran kinerja agen asuransi dalam membantu penyelesaian klaim pada produk siagakoe berdasarkan SOP. Perusahaan asuransi PT. Bumiputera Muda Cabang Serang yaitu perusahaan membantu peserta dalam penyelesaian klaim asuransi seperti memberikan informasi atau menjelaskan prosedur klaim, dan memberikan petunjuk dalam mengisi formulir klaim, membantu melengkapi dokumen-dokumen yang dibutuhkan dalam mengajukan klaim, dan menunggu hasil verifikasi dan validasi hingga klaim keluar. Klaim akan dibayarkan sesuai dengan akad yang disepakati pada awal perjanjian, klaim dapat berbeda dengan jumlah yang sesuai dengan premi yang dibayarkan.
PENGARUH PENDAPATAN ASURANSI TERHADAP PENDAPATAN INVESTASI PADA PERUSAHAAN ASURANSI JIWA DI INDONESIA PERIODE 2014-2018 Ratu Humaemah; Indah Yani
Syar'Insurance: Jurnal Asuransi Syariah Vol 5 No 1 (2019): June 2019
Publisher : UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/sijas.v5i1.2924

Abstract

Abstract Sharia financing and investment activities in principle are activities carried out by property owners (Investors) towards business owners (Issuers) to empower business owners in conducting their business activities where the owner of assets (Investors) hopes to obtain certain benefits. Therefore, financing and financial investment activities are basically the same as other business activities, namely maintaining the principle of halal and fairness. The financial data shown in the table shows that insurance income and investment income in life insurance companies in Indonesia from 2014 to 2018 experienced fluctuating developments. The purpose of this study is to determine whether there is an influence of insurance income on investment income in Islamic life insurance companies in Indonesia. The method used in this study is a quantitative method that uses a classic assumption test, hypothesis testing, and the coefficient of determination test. The data used are secondary data obtained by the official website of a life insurance company. The results showed that the independent variable of insurance income had a significant effect on investment income, this result was seen from the tcount of 8,450 while the ttable obtained from the distribution table t was sought at the significance of 5%: 2 = 2.5% (two-way test) degrees of freedom (df) nk-1 or 30-1-1 = 28 we get t table of 2.04841. because tcount> t table = 8.450> 2.04841 with a significant level of 0.000, because the significant value is smaller than 0.050, it can be concluded that Ha is accepted. This means that insurance income has a positive effect on investment income. From testing the coefficient of determination of 0.708 = 70.8% means that insurance income can explain the effect on investment income of 70.8% and the remaining 29.2% is influenced by other variables not discussed in this study.
ANALISIS MINAT MASYARAKAT MEMILIH PEMBIAYAAN DI PNM MEKAR SYARIAH CABANG KRONJO KABUPATEN TANGERANG MENURUT PERSPEKTIF EKONOMI ISLAM Afifah Nazla Sevina; Suryani Suryani; Ratu Humaemah
Wahana Islamika: Jurnal Studi Keislaman Vol 8 No 2 (2022): Wahana Islamika: Jurnal Studi Keislaman
Publisher : SEKOLAH TINGGI AGAMA ISLAM AL-HUSAIN MAGELANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/wahanaislamika.v8i2.212

Abstract

The purpose of this study is to find out the factors that influence public interest in choosing financing at PNM Mekar Syariah, Kronjo Branch, Tangerang Regency, according to the Islamic Economic Perspective. The method used in this research is descriptive qualitative research. The data was obtained using the triangulation technique of data sources, by combining data collection with observation techniques, structured interviews and documentation. The results of this study indicate that the public's view of financing at PNM Mekar Syariah Kronjo Branch, Tangerang Regency is very good and helps people who need capital to run their business. PNM Mekar Syariah Branch Kronjo Tangerang Regency in its financing system uses three contracts used sharia namely wadi'ah contracts, wakalah contracts and murabahah contracts. The factors that influence people's interest in choosing financing at PNM Mekar Syariah Branch Kronjo Tangerang Regency are the need factor, religiosity factor, social class factor and service quality. Keywords: Interests, community, financing, PNM Mekar Syariah
Persepsi Masyarakat Madani Terhadap Asuransi Syariah Ratu Humaemah; Najmi Hillalliyati
Syar'Insurance: Jurnal Asuransi Syariah Vol. 9 No. 1 (2023): Juni 2023
Publisher : UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/sijas.v9i1.8361

Abstract

The rapid development of sharia insurance in Indonesia is an achievement for Muslims as well as representing significant economic growth for the people. But on the other hand, it cannot be denied that there are still many obstacles to be faced, especially with regulations and public perceptions of the sharia system. This study aims to obtain information regarding the perceptions of Serang City civil society towards sharia insurance and is presented descriptively in the form of a narrative. The phenomenological approach aims to explain a phenomenon or the reality of something that describes the characteristics of the subject under study. In this study in general put forward a good response to sharia insurance. Whether it's the people of Serang City who have been members of conventional insurance, or who have never joined as members of any insurance but already know and understand the insurance scheme.
Co-Authors Afifah Nazla Sevina Indah Yani Najmi Hillalliyati Shifa Fauziah Suryani Suryani