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All Journal METAMORFOSA Journal of Biological Sciences Jurnal Penelitian Fisika dan Aplikasinya (JPFA) Jurnal Pendidikan Indonesia Jurnal Pendidikan IPA Indonesia JURNAL FISIKA Jurnal Didaktik Matematika Jurnal EduBio Tropika Jurnal PIKOM (Penelitian Komunikasi dan Pembangunan) Jurnal Ilmiah Mahasiswa Pendidikan Jasmani, Kesehatan dan Rekreasi Jurnal Mirai Management Unnes Science Education Journal AL-ISHLAH: Jurnal Pendidikan Jurnal Manajemen & Keuangan Jurnal Ilmiah Peuradeun Jurnal Penelitian Pendidikan IPA (JPPIPA) Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Office Jurnal Agrotek Tropika Master Bahasa JURNAL EKSAKTA PENDIDIKAN (JEP) Journal of Educational Research and Evaluation JURNAL AGRICA At-Ta'lim : Media Informasi Pendidikan Islam International Journal for Educational and Vocational Studies Prosiding Seminar Nasional Teknik Mesin Parameter Asian Journal of Science Education Civics Education And Social Science Journal (CESSJ) REUSAM ; Jurnal Ilmu Hukum Jurnal Ilmiah Wahana Pendidikan JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Proceedings of International Conference on Multidiciplinary Research J-MIND Jurnal Manajemen Indonesia Suloh : Jurnal Fakultas Hukum Universitas Malikussaleh JIM-FH UNIMAL Jurnal Ilmu Administrasi Negara Jurnal Ilmiah Ilmu-Ilmu Peternakan Chimica Didactica Acta : Journal of Chemistry and Chemistry Education Jurnal Pendidikan Sains Indonesia (Indonesian Journal of Science Education) JIPI (Jurnal IPA dan Pembelajaran IPA) IIJSE
Yusrizal Yusrizal
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Journal : Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah

 1 
Analisis Persepsi Masyarakat Non Muslim terhadap Produk Asuransi Syariah di PT Allianz Batu Bara Eka Aprila Pratiwi; Yusrizal Yusrizal
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.19117

Abstract

ABSTRACT         The development of sharia insurance in Indonesia is quite positive and has many enthusiasts because the majority of Indonesia's population are Muslims. Sharia insurance is an attempt to protect and help each other between insurance participants. The return pattern for dealing with risks in sharia insurance uses a contract (contract) system in accordance with Islamic law. The increasing development of sharia insurance in Indonesia has occurred very rapidly since 2011. This development is evident from the emergence of various insurance companies that have begun to offer insurance products based on Islamic principles. Until now, the trend of sharia insurance is still increasing. Based on AASI research, it was found that the gross contribution of Islamic insurance in Indonesia reached IDR 11.55 trillion, where there was an increase of 51.89% year on year as of June 2021. This research aims to meet the perceptions of the non-Muslim community towards Islamic insurance products in PT. Allianz Batu Bara and look at the role of non-Muslim communities in sharia insurance products. This research uses qualitative research with a descriptive approach. Data collection techniques in this study are observation, interviews and documentation. Data analysis techniques using data reduction, data presentation and verification. Based on research conducted at PT Alliaz Batu Bara, it shows that non-Muslim people's perceptions of Islamic insurance products can vary depending on their knowledge, experience, and understanding of Islamic insurance principles.Keywords: perceptions of non-Muslims, sharia insurance products
Analisis Manajemen Risiko PT. Jaminan Pembiayaan Askrindo Syariah Nurul Khasanah; Yusrizal Yusrizal
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.19113

Abstract

ABSTRACTThis study aims to finds out how the risk management process is at PT Askindo syariah Financing Guarantee. This research uses a qualitative approach with a descriptive research type. The data used in this research are secondary data, namely data obtained from the results of publications that have been carried out by the company. The results of this study indicate that the company PT Guarantee Financing askrindo Syariah adopts PJOK No. 17/PJOK.03/2014 concerning the implementation of integrated risk management for financial conglomerates and PJOK No. 44/PJOK.05/2020 dated 2 September 2020 regarding the assessment of the risk level non-bank financial services institutions. The risk categories based on the PJOK above are divided into ten sections, namely : strategic risk, operational risk, guarantee risk, credit risk, market risk, liquidity risk, legal risk, compliance risk, reputation risk and intra-group risk.Keywords : Risk, Risk Management
Problematika Klaim Asuransi pada PT. Jaminan Pembiayaan Askrindo Syariah Cabang Medan Rizka Afriani; Yusrizal Yusrizal
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.19116

Abstract

ABSTRACTClaims are an important aspect of underwriting. This is of course explained by the fact that this is a form of guarantee provided by the company as guarantor to the guarantor (Makful Lahu). Failure to claim claims or cancellation of Makful Lahu's right to claim claims is common. This is usually caused by submitting a claim that is not in accordance with the existing terms and conditions. For this reason, the research method used is interviews which aim to find out the factors that cause non-payment of claims or those that cause the cancellation of Makful Lahu's claim rights against claims (Ta'widh). Through this journal, it is expected to provide information regarding the disbursement of claims. This is of course to avoid or reduce the failure of claim disbursement. Keywords: Claims and the problem of failure to disburse claims
Implementasi Manajemen Risiko pada Sistem Asuransi Jiwa Syariah Di PT. Prudential Life Asurance Binjai Risma Dani A.; Yusrizal Yusrizal
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.19465

Abstract

AbstractThis article discusses risk management in Islamic insurance companies. Sharia insurance in general is not much different from traditional insurance. In insurance, there are similarities between the perspective of Islamic sharia and conventional insurance, namely that the insurance company is only an intermediary in the structural relationship between the premium payer (insurer) and the claimant (insured) and determines how the risk should be managed. Recognizing company problems and, where possible, minimizing risks creates efficiency and effectiveness, which ultimately contributes to achieving company goals and facilitating them. It can take the form of operational risks such as bankruptcy, legal risks and reputation risks. In addition, a decrease in morale also often occurs, because the constraints faced by the company come from external and internal companies.keywords: sharia insurance, risk management, Prudential Life Assurance Binjai.
Hukum Berinvestasi pada Asuransi Jiwa Syariah Berbasis Unit Link pada PT. Prudential Life Asurance Binjai Islah Rizky Parinduri; Yusrizal Yusrizal
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.19467

Abstract

ABSTRACTInsurance is a means of disseminating the „âqilah system to the government, companies, institutions and professional institutions. There are verses of the Koran instructing Muslims to prepare for a better tomorrow by investing in sharia life insurance. Unit Link is a favorite product for tax regulation. If you buy mutual funds/shares directly according to United States law, you will be directly subject to income tax from the profits of the mutual funds/shares and this benefit does not exist in Indonesia. In Indonesia, purchases of mutual funds/shares are not subject to tax so that the tax difference between unit link purchases and mutual fund purchases has not been felt. From this background, there are several problems which are formulated as follows: how is the law investing in unit link-based sharia life insurance? This research uses a qualitative type of library research. The data collection method uses the documentation method, the approach method uses analytical normative juridical and conceptual (concept approach). Methods of data analysis using descriptive method. Analyzing the problems that the researchers have tried to bring out, it can be concluded that the concept of investing in unit-link-based sharia life insurance is the activity of investing assets in the form of assets as tabarru' with an effort to protect each other and help a number of people or parties who provide return patterns facing certain risks through contract in accordance with sharia principles where the unit link becomes an investment instrument; Sharia life insurance is a new type of contract that has never existed during the development of Islamic fiqh, where there are differences of opinion among scholars who prevent and forbid life insurance; and with its current status, life insurance has an intolerant premium, so a life insurance contract is more of a speculative contract that contains elements of gambling (gambling) and betting.Keywords: Syariah Life Insurance, Unit Link
Analisis Faktor-Faktor yang Menyebabkan Terjadinya Gagal Klaim Asuransi pada PT. Prudential Cabang Binjai Saidah Hayati Situmeang; Yusrizal Yusrizal
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.19471

Abstract

AbstractThis research aims to determine the producer for implementing claims handling at PT. Prudential Life Assurance Binjai. This research is a descriptive research with a qualitative approach. Data collection techniques used are interviews with insurance agents PT. Prudential Life Insurance Binjai and literature study. Based on the results of research and discussion, conclusions have been drawn. An insurance claim is a claim from the insured party in connection with a contract agreement between the insurance and the insured party, where each party binds itself to guarantee the payment of compensation by the insurer if the insurance premium payment has been made by the insured party when a disaster is suffered by the insured party. As for the stages of the claim being submitted, it must be completed with all the required complementary requirements and documents. If the requirements and documents are not complete, there will be a rejection from the insurance company.
Co-Authors A Halim A Halim A. Halim A.A. Ketut Agung Cahyawan W Abdul Gani ABDUL GANI Abdul Halim Abdul Rahman Adelia Fitra Gustari Adi Rahwanto Adlim Adlim Agustinur, Agustinur Ahmad Fauzi Akmam Akmam Amrizal Amrizal Andi Ulfa Tenri Pada Andria, Mohd Feri Anggia Nurulita Annisa Zahra Lubis Anwar Anwar Arifin, A. Hadi Ashabul Jannah Siregar Asraaf Efendi Batubara Audia, Nia Auliya Ahmad Suhardi Ayu Lestari Ayu Rahmi Ayu Rahmi Bahrun Bahrun Bakhtiar, Bakhtiar. Bambang Trisno Bor-Chen Kuo Burhanuddin Burhanuddin Chelsea Sakira Cut Morina Zubainur, Cut Morina Cut Nadia Sofia Cut Nurmaliah Cut Nurmaliah Cut Putri Hayati Cut Zahri Harun Daud, Muslem Dini Andriani Nasution Edy Batara Siregar Eka Aprila Pratiwi Elidar Sari Elisa Elisa Elisa Elisa Eriani, Dian Eva Maulida F, Feliatra Fadri, Khairil Fahmida Manin Fany Renaldy Harahap Fauzi Ahmad Muda Febryana Br Tarigan Fitri, Chairiah Lismaya Hafizul Furqan Hafnati Rahmatan Hamdi Rifai Hanafi Nur Hanny Hafiar Hanum, Erlia Harapan Tua R. F. S HARIS MUNANDAR Harum, Cut Luthfia Hikma Yani Holyness Nurdin Singadimedja Ibnu Khaldun Ifwandi Ifwandi Ilham Maulana Imran Imran Imran Imran Intan Sari Tanjung Irna Ardilla Islah Rizky Parinduri Ismul Huda Israwati Israwati Israwati Israwati, Israwati Ivo Shella Andaresta Sinaga Izzah Al-Fikry Jofrishal Jofrishal Juliana Nasution Juliani Juliani Junike Junike Karina Purwanti Kasmadi Kasmadi Khairuddin Khairuddin Khairul Hanif, Khairul Lestari, Ary Letmi Dwiridal Luthfia Hanum* M. Hasan M. Ikhsan M. Ikhsan Mariati MR Marlina Marlina Mazlina, Hilda Meyzi Heriyanto Mudinillah, Adam MUHAMMAD AGUS SUPRAYUDI Muhammad Hasan Muhammad Iqbal Muhammad Nasir Muhammad Nizarullah Muhammad Rivaldi Pane Muhammad Subianto Muhammad Syukri Muhibbuddin Muhibbuddin Mukhlis Mukhlis Mukhlis Mukhlis Munawarah, Syarifah Hasanaton Murniati A. R. Mursal Mursal Muslem Daud Mustanir Mustanir Mutia, Ratna N, Lukman Hakim Nasir Usman Naufal Bachri, Naufal Nelly Shahromi Yanti Nena Puspita Sari Nengsih, Reni Fitria Novi Maulidar Novi Surianti Nurul Khasanah Nuzuli Nuzuli Padlan Soleh Pudji Rahayu Qadri, Lailatul R. Sugeng Mulyono Rachmany, Hasan Rahmati Rahmati Rahmawati Rahmawati Rahmi Maulidati Rasmi Murni Ratna Mutia Ratna Yuliani Ratu Fazlia Inda Rahmayani Rauziani Rauziani Reni Ria Armayani Hasibuan Restina, Hilda Riefdah Ekasari Hasibuan Risma Dani A. Rizka Afriani Ruhmi, Zuhra Saidah Hayati Situmeang Saiful Saiful Salmin Dengo Saminan Saminan Sariakin Sariakin, Sariakin Siregar, Edy Batara Siti Maisarah Sri Rahmadani Srika Ningsih Pasi Suharti Suharti Suparjo Suparjo Susilo, Danang Djoko Syarah Nurul Fhadhilah Hrp Syarifah Rita Zahara T. Abdurahman T. Nazaruddin Tarmizi Tarmizi Wicoksono, Deni Fajar Windi Lestari Yatno Zulfakri, Zulfakri Zulkarnaen Jalil