scholarly journals PENGELOLAAN DANA TABARRU’ ASURANSI JIWA SYARIAH DALAM PEMBIAYAAN MURABAHAH DI BANK SUMSEL BABEL CABANG SYARIAH BATURAJA

2017 ◽  
Vol 13 (1) ◽  
pp. 25-38
Author(s):  
Muhammad Iqbal
Keyword(s):  
Life Insurance ◽  
Research Method ◽  
Qualitative Method ◽  
Islamic Law ◽  
Insurance Fund ◽  
Insurance Company ◽  
Operational Principle ◽  
Insurance Product ◽  
Conducting Research ◽  
Modern Era

The existence of insurance in the modern era which is the embryo of conventional insurance based gharar, maysir, and usury ', making Islamic legal experts react by conducting research and analysis of the issue. The result proves that in Islamic law contains substance of insurance which can avoid the operational principle of gharar, maysir, and usury element '. This study aims to explain how the management of tabarru funds' sharia life insurance in murabahah financing in Bank Sumsel Babel Branch Sharia Baturaja. Insurance company that made the object of research is PT. Asuransi Bangun Askrida Unit Syariah. The research method used is descriptive qualitative method. The results concluded that the Management of Tabarru 'Sharia Life Insurance Fund PT. Asuransi Bangun Askrida Syariah Palembang Unit in Murabahah Financing at Bank Sumsel Babel Branch Sharia Baturaja uses insurance product mechanism with non saving element which separates the contribution fund into two parts, that is 42,5% for ujrah manager, and 57,5% for investment of tabarru fund '. If there is an underwriting surplus at the end of the period closing, it will be allocated 30% for Managers, 30% for tabarru 'funds reserves, and 40% for Participants who meet the requirements of obtaining surplus incentives. However, if there is an underwriting deficit in the management of the tabarru funds 'funds, the Insurance Company is obliged to cope with the shortage of tabarru' funds in the form of loans (qardh).

scholarly journals INSURANCE RISK WITH VARIABLE NUMBER OF POLICIES

2008 ◽  
Vol 22 (2) ◽  
pp. 213-219
Author(s):  
Ivo Adan ◽  
Vidyadhar Kulkarni
Keyword(s):  
Life Insurance ◽  
Poisson Model ◽  
Variable Number ◽  
Insurance Fund ◽  
Insurance Company ◽  
Insurance Risk ◽  
Constant Rate ◽  
Remarkable Result ◽  
New Policies ◽  
The One

In this article we consider an insurance company selling life insurance policies. New policies are sold at random points in time, and each policy stays active for an exponential amount of time with rate μ, during which the policyholder pays premiums continuously at rate r. When the policy expires, the insurance company pays a claim of random size. The aim is to compute the probability of eventual ruin starting with a given number of policies and a given level of insurance fund. We establish the remarkable result that the ruin probability is identical to the one in the standard compound Poisson model where the insurance fund increases at constant rate r and claims occur according to a Poisson process with rate μ.

scholarly journals Tanggung Jawab Pihak Asuransi Terhadap Perjanjian Kredit Bank Dalam Hal Debitur Meninggal Dunia

2021 ◽  
Vol 2 (1) ◽  
pp. 196-201
Author(s):  
Ni Putu Purnama Wati ◽  
Ni Luh Made Mahendrawati ◽  
Desak Gde Dwi Arini
Keyword(s):  
Life Insurance ◽  
Research Method ◽  
Civil Code ◽  
Insurance Company ◽  
Conceptual Approach ◽  
Interested Party ◽  
Legal Consequence ◽  
Credit Agreement ◽  
Legal Consequences ◽  
Insurance Agreement

Credit agreements are usually accompanied by a collateral agreement and an insurance agreement. This insurance agreement is a means of transferring risk for the bank, especially life insurance in the event of a debtor's death, besides credit can also fall to the heirs if the debtor dies before paying off the remaining credit. This study aims to analyze the legal consequences of the Bank's Credit Agreement in the event that the Debtor dies and to find out the responsibility of the Insurance Party for the Bank's Credit Agreement in the event the Debtor dies. This study uses a normative research method with a statutory approach and a conceptual approach. The results show that the legal consequence of the credit agreement in the event that the debtor dies, there are two possibilities, namely that the credit goes to the heirs as regulated in article 833 of the Civil Code (Burgerlijk Wetboek) or the guarantee is executed by the bank, and the second possibility is that the credit is written off due to a life insurance clause or a life insurance agreement with a banker's clause, which means that the insurance company must be responsible for paying off the remaining debts of the debtor who died according to the terms and conditions of the policy, otherwise the interested party can file a summons to sue the insurance company. From this, the conclusion is that the parties must fully understand the contents of the credit agreement made, so that later if this risk occurs, there will be clarity on the payment of the debtor's remaining debt.

scholarly journals LIFE INSURANCE IN POSITIVE LAW AND ISLAMIC LAW IN INDONESIA

2020 ◽  
Vol 20 (2) ◽  
pp. 307-316
Author(s):  
Ramiah Lubis
Keyword(s):  
Life Insurance ◽  
Risk Sharing ◽  
Islamic Law ◽  
Insurance Company ◽  
Work Pattern ◽  
Risk Transfer ◽  
Risk Of Death ◽  
Positive Law ◽  
Management Concept

Life insurance is an agreement made by an insurance company to its customers that if the customer experiences a risk of death in his life whether in the form of an accident or due to illness, then the insurance company will provide compensation with a certain amount of money in accordance with the premiums paid for being a customer of the insurance company to heirs of the customer. Conventional Insurance and Syariah Insurance are both tasked to manage and cope with risk, it's just that in Syariah Insurance the management concept is carried out using a pattern of mutual risk between managers and participants (risk sharing) or called at takaful and at tadhamun. While in conventional insurance the work pattern is to transfer risk from the customer (participant) to the company (manager), which is called risk transfer. So that the risks regarding the participants will be fully borne by the manager.

scholarly journals PANDANGAN HUKUM ISLAM TERHADAP ADAT TOPO SALIA DI DESA MANINILI BARAT KECAMATAN TINOMBO SELATAN KABUPATEN PARIGI MOUTONG

2020 ◽  
Vol 1 (1) ◽  
pp. 67-79
Author(s):  
Nizrah Nizrah ◽  
Nasaruddin Nasaruddin ◽  
Hamiyuddin Hamiyuddin
Keyword(s):  
Data Collection ◽  
Research Method ◽  
Qualitative Method ◽  
Islamic Law ◽  
Field Research ◽  
Mutual Cooperation ◽  
Data Collection Technique ◽  
The Village ◽  
Islamic Values

This research has a problem that how is the implementation of the topo salia custom in Desa Maninili Barat, Kecamatan Tinombo Selatan, Kabupaten Parigi Moutong, and what is the view of Islamic law on the topo salia custom. The research method used is a qualitative method that describes field research. In the data collection technique, the writer used the method of observation and direct interviews with informants, namely the village head and several religious figures as well as documentation. Then, the results of the research found that first the topo salia custom is a ritual that is carried out in the month of Rabiul Awal to commemorate the birthday of the Prophet Muhammad. namely on the 12th of Rabiul Awal, this tradition was carried out with the aim of rejecting calamities and making their children live and cultured. Second, according to the view of traditional Islamic law, topo salia does not contradict Islamic law because it contains Islamic values, such as deliberation, mutual cooperation, strengthening friendship, and a form of gratitude to Allah swt.

scholarly journals ANALYSIS OF THE MAIN INDICATORS OF THE INSURANCE COMPANY’S FINANCIAL STABILITY USING SIMULATION MODELLING

2019 ◽  
Keyword(s):  
Simulation Model ◽  
Life Insurance ◽  
Financial Stability ◽  
Simulation Modelling ◽  
Insurance Companies ◽  
Insurance Fund ◽  
Insurance Company ◽  
Life Insurance Company ◽  
Mathematical Methods ◽  
Financial Condition

The purpose of insurance is to accumulate funds to fulfill obligations to its clients, as well as to invest further in the expansion of insurance activities and the development of the country's economy. The success of insurance companies depends to a large extent on their financial status, that is, financial stability and solvency. The financial condition of an insurance company is characterized by the indicators that describe its ability to develop and successfully operate in a competitive market environment. The stable financial condition of the insurer is a guarantee of development in the conditions of the market economy and an insurance of the stability of the development of the insurance market in the country. The purpose of this research is to assess the financial stability of a non-life insurance company and to analyze the main factors affecting it with the use of computer simulation modelling. The simulation model covers the main processes of the non-life insurance company and is based on the application of financial analysis methods, economic and mathematical methods, and modern simulation technologies. Based on the simulation model, the financial stability of the insurance company is assessed, namely the analysis of the insurance company’s profitability, income, expenses, indicators of profitability; the coefficients of financial stability of the insurance fund and the level of insurance reserves for the analysis of the adequacy of the insurance fund are calculated; the actual and normative solvency margin is calculated for controlling the fulfillment of solvency conditions; the solvency ratio (autonomy) is calculated; the equity ratio is calculated and an analysis of the adequacy of equity is carried out. The developed simulation model can be used to increase the level of planning and analytical reporting, to improve methods of conducting insurance operations, to plan and forecast the activity, and to increase the validity of managerial decisions.

scholarly journals Building the BrightRock brand through change

2016 ◽  
Vol 6 (3) ◽  
pp. 1-23 ◽  
Author(s):  
Michael M. Goldman ◽  
Mignon Reyneke ◽  
Tendai Mhizha
Keyword(s):  
Marketing Strategy ◽  
Life Insurance ◽  
Subject Area ◽  
Communication Effectiveness ◽  
Insurance Company ◽  
Product Model ◽  
Content Type ◽  
Strong Focus ◽  
Insurance Product ◽  
Content Marketing

Subject area This case allows students to engage with classical marketing tenets of branding, media and communications decisions and content marketing within a management framework. Study level/applicability This case is appropriate for an undergraduate or graduate-level programme in marketing management. Case overview Suzanne Stevens was part of a group of four former senior employees of a large life insurance firm that decided to establish a new and innovative South African insurance company, BrightRock. They identified a gap in a large and highly competitive (albeit generic and opaque) insurance market and developed a distinctive positioning within the market. There was low consumer understanding of the technical aspects of life insurance products, and no existing life insurance product provided an individualized offering. Stevens developed the company’s brand and marketing strategy by drawing on reputation drivers, traditional advertising and a content marketing approach. BrightRock focused on change moments in consumers’ lives, including getting married, having children or getting a new job, and changed the standard insurance product model by launching an individualized flexible product that could adapt with the consumer through their various life stages. The case study documents the first three years of BrightRock’s operations, with a strong focus on brand and product development, distribution and communication. The case dilemma involves choices Stevens faced at the beginning of 2015 about marketing investments across paid, earned and owned media. Expected learning outcomes This study enables to critique the development of a services brand; integrate paid, owned and earned media to increase communication effectiveness and efficiency; and critique a content marketing strategy. Supplementary materials Teaching Notes are available for educators only. Please contact your library to gain login details or email [email protected] to request teaching notes. Subject code CSS 8: Marketing.

scholarly journals PERHITUNGAN PROFIT ASURANSI UNIT LINK DENGAN SURRENDER VALUE MENGGUNAKAN METODE PROFIT TESTING

2020 ◽  
Vol 9 (1) ◽  
pp. 1
Author(s):  
HANNY PANJAITAN ◽  
I NYOMAN WIDANA ◽  
KARTIKA SARI
Keyword(s):  
Life Insurance ◽  
Deterministic Model ◽  
Insurance Company ◽  
Testing Method ◽  
Insurance Product ◽  
Potential Benefits

Life insurance with surrender value is a type of insurance that allows the insured to cancel the contract. Unit-link life insurance is a combination of life insurance and investment. Profit testing method is used to find out the potensial loss or gain of unit link life insurance product. The aim of this research was to determine the potential benefits or losses of unit-linked life insurance product using a deterministic model. Results  of this research are the profit obtained by the insurance company for an insurance participant aged 35 years with a sum   and  in annual premiums are

scholarly journals PERJUANGAN PEREMPUAN PADA MASA PEMBERONTAKAN DI/TII DALAM NOVEL AZIZAH KARYA EMMAH AZRA

2019 ◽  
Vol 2 (2) ◽  
pp. 86-99
Author(s):  
Devi Setiawanti ◽  
Faika Burhan
Keyword(s):  
Research Method ◽  
Qualitative Method ◽  
Islamic Law ◽  
World View ◽  
Research Data ◽  
The Novel ◽  
South Sulawesi ◽  
Library Research ◽  
The 1950S ◽  
The Impact

This study aims to describe the struggle of women during the DI / TII rebellion in the novel Azizah by Emmah Azra. This type of research is classified as library research. The research method used  descriptive qualitative method. The research data were in the form of story texts relating to the structure of the novel and the struggle of women during the DI / TII rebellion in the novel of Azizah by EmmahAzra. The technique used in this study was the technique of reading and taking notes. The theory used to analyze the data in this study was Genetic Structuralism by Lucien Goldmann. Based on the results of this study it could be concluded that through the novel of Azizah by Emmah Azra, the author described the conditions and struggles of women. This novel described the lives of women during the DI / TII rebellion in South Sulawesi in the 1950s. The novel of Azizah by EmmahAzra also told about Kahar Muzakar's resistance in fighting for the application of Islamic law. Emmah also described the impact of the war on the lives of women and society at that time. At that time, society, especially women, had to move places to avoid war and save them. Keyword: Azizah's novel, Women's Struggle, Genetic Structuralism, and World View

scholarly journals TINJAUAN KEGIATAN ASURANSI KREDIT PEMILIKAN RUMAH OLEH LEMBAGA PERBANKAN BERDASARKAN PRINSIP PERSAINGAN USAHA TIDAK SEHAT

2020 ◽  
Vol 13 (1) ◽  
pp. 22-31
Author(s):  
Anthony Dio Wijaya
Keyword(s):  
Life Insurance ◽  
Competition Law ◽  
Insurance Companies ◽  
Insurance Company ◽  
Insurance Product ◽  
The Future ◽  
Banking Institution

In running its business in the field of providing Homeownership Credit facilities by Bank Rakyat Indonesia as a banking institution, it is required to cooperate with insurance companies to bear the risks that might arise in the future for the applicant, in this case as KPR applicant customer. Therefore KPR applicant customers are required to use insurance services from Bank Rakyat Indonesia partner insurance companies for the housing for which the credit is requested. Customers should be given the freedom to choose the insurance product they will choose, rather than being required where the customer has no choice to use insurance other than a consortium between PT. Bringin Life and Heksa Eka Life Insurance, which is against Article 15 paragraph 2 of Law Number 5 of 1999 or often referred to as Business Competition Law. BRI, together with its partner insurance companies, have also conspired in determining the insurance company that will become BRI's partner, because this will benefit all three if there are no other insurance companies that become BRI partners. This certainly gives difficulties for other insurance companies that are not BRI's partners to run their business.Dalam menjalankan usahanya di bidang jasa pemberian fasilitas Kredit Pemilikan Rumah oleh Bank Rakyat Indonesia selaku lembaga perbankan diharuskan untuk bekerjasama dengan perusahaan asuransi guna menanggung resiko yang akan mungkin muncul di kemudian hari pada diri pemohon dalam hal ini selaku nasabah pemohon KPR. Oleh karena itu nasabah pemohon KPR diwajibkan untuk menggunakan jasa asuransi dari perusahaan asuransi rekan Bank Rakyat Indonesia untuk rumah yang diajukan kredit tersebut. Seharusnya nasabah diberikan kebebasan untuk memilih produk asuransi yang akan mereka pilih, bukannya diharuskan di mana nasabah tidak memiliki pilihan untuk menggunakan asuransi selain konsorsium antara PT. Bringin Life dan Heksa Eka Life Insurance, di mana hal tersebut adalah bertentangan terhadap Pasal 15 ayat (2) Undang-Undang Nomor 5 Tahun 1999 atau yang sering disebut dengan Undang-Undang Persaingan Usaha. BRI bersama sama dengan perusahaan asuransi rekanannya juga telah melakukan persekongkolan dalam hal penentuan perusahaan asuransi yang akan menjadi rekanan BRI, karena hal tersebut akan memberikan keuntungkan bagi ketiganya apabila tidak ada perusahaan asuransi lain yang menjadi rekanan BRI. Hal tersebut tentu memberikan kesulitan bagi perusahaan perusahaan asuransi lain yang bukan merupakan rekan dari BRI untuk menjalankan usahanya.

scholarly journals ANALISIS SEMIOTIKA KRITIK SOSIAL MASYARAKAT MODERN DALAM VIDEO KLIP “ANTI SOCIAL” OLEH WHILE SHE SLEEPS

2020 ◽  
Vol 9 (2) ◽  
pp. 135-139
Author(s):  
Alvin Tito Anggoro ◽  
Fitria Widiyani Roosinda
Keyword(s):  
Research Method ◽  
Qualitative Method ◽  
Social Criticism ◽  
Verbal Communication ◽  
Roland Barthes ◽  
Communication Media ◽  
Semiotic Analysis ◽  
Video Clips ◽  
Song Lyrics ◽  
Modern Era

Abstract : Music is used as a medium to convey social, political aspirations, and even becomes one of propaganda media (information / opinions) to launch an ideological movement (ideas / ideas). Song lyrics are one of the verbal communication media that have meaning in them. Research on the video clips and song lyrics of the band while she sleeps "Anti Social" is a study that aims to describe the picture of society in the modern era in the song's lyrics and to explain the meaning of social criticism illustrated. The paradigm used in this study is a critical paradigm. This research method is a qualitative method in which the data are interpreted (views) through the analysis of meaning in the form of written and oral words that are observed. The analysis used in this study is a semiotic analysis by Roland Barthes. Based on research on the video clips of Anti Social, there is a conclusion that people in the modern era have begun to lose their caring for others as evidenced in the pictures and video clips when there are people who are in trouble they just record do not want to help at all.Keywords: Semiotic Analysis, Roland Barthes, Social Criticism, Video Clips While She SleepsAbtrak : Musik1 digunakan1 sebagai media untuk 1menyampaikan aspirasi sosial, 1politik, bahkan menjadi1 salah satu media propaganda (penerangan/ pendapat) untuk melancarkan sebuah gerakan ideologis (ide/ gagasan). 1Lirik lagu merupakan1 salah satu media1 komunikasi verbal 1yang memiliki 1makna 1didalamnya. Penelitian 1terhadap 1video klip 1dan1 lirik lagu grup1 band 1While she 1sleeps “Anti Social” merupakan 1sebuah 1penelitian1 yang bertujuan untuk mendeskripsikan gambaran tentang masyarakat di era modern dalam lirik lagu tersebut dan untuk menjelaskan makna kritik sosial yang digambarkan. Paradigma yang digunakan dalam penelitian ini adalah paradigma kritis. Metode penelitian ini adalah metode kualitatif dimana data diinterpretasikan (pandangan) melalui analisis pemaknaan berupa kata tertulis maupun lisan yang diamati. Analisis yang dipakai dalam penelitian ini adalah analisis semiotika oleh Roland Barthes. Berdasarkan penelitian terhadap video klip Anti Social, terdapat kesimpulan bahwa masyarakat di era modern sudah mulai hilang rasa peduli pada sesama terbukti di gambar kan dan video klip pada saat ada orang yang sedang kesusahan mereka hanya merekam tidak ingin untuk menolong sama sekali. Kata kunci: Analisis Semiotika, Roland Barthes, Kritik Sosial, Video Klip While She Sleeps

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