scholarly journals Sistem Pertanggungan Pada Penjaminan Bancassurance oleh Asuransi X Syariah Menurut Konsep Kafālah

2020 ◽  
Vol 3 (1) ◽  
pp. 1
Author(s):  
Nuraiza Zahara
Keyword(s):  
Life Insurance ◽  
Insurance Coverage ◽  
Descriptive Analysis ◽  
Minimum Amount ◽  
Insurance Company ◽  
Analysis Method ◽  
Cooperation Agreement ◽  
Insurance System ◽  
Insurance Agreement

<p>Cooperation agreement between the Bank and Insurance in the form of a bancassurance system the Bank transfers part of the risk that will arise to the Insurance. Such as the risk of debtor customer financing bottlenecks due to death, the risk borne by the Bank is transferred to the insurance company with life insurance coverage. Insurance agreement for debtor customers, Insurance applies a system based on the kafālah concept. This study explores how the insurance system between the customer and the Bank with the involvement of Insurance as a guarantor in the Bancassurance agreement and how the Islamic legal review of the insurance system carried out by the Insurance against the Bank with the Bancassurance agreement. This research uses descriptive analysis method, which describes or gives a description of the object under study through data or samples that have been collected. The conclusion of the research is that the coverage applied by the Insurance against the Bank is not in accordance with the true kafālah concept, the Insurance has paid the principal fund fully but does not pay the service fee in accordance with the minimum amount determined by the Bank. Based on the concept of insurance, the insurance should be obliged to fulfill everything that is the responsibility of the customer to the Bank, including compensation for services as stipulated. From the explanation above, the concept of kafālah applied by Insurance in its coverage of the Bank is still a mismatch between the concept and its application.</p>

scholarly journals PENGARUH RISK BASED CAPITAL TERHADAP PROFITABILITAS PADA PERUSAHAAN ASURANSI JIWA

2017 ◽  
Vol 6 (1) ◽  
pp. 1
Author(s):  
Tevi Leviany ◽  
Wiwin Sukiati
Keyword(s):  
Life Insurance ◽  
Government Regulation ◽  
Pearson Correlation ◽  
Descriptive Analysis ◽  
T Test ◽  
Coefficient Of Determination ◽  
Insurance Company ◽  
Analysis Method ◽  
Life Insurance Company ◽  
The Government

Abstract. The writer conducted this research to know the influence of Risk Based Capital (RBC) towards profitability of life-insurance company. According to the Government Regulation, Regulation of the Minister of Finance of Republic of Indonesia Number 424/KMK/.06/2003, decidedthe solvability level to determine the level of Risk Based Capital (RBC) achieved by every insurance company, was ≥ 120%. RBC that is owned by insurance company would influence the result of its profitability level. The purpose of this research was to find out the influence of Risk Based Capital towards Profitability of Life-Insurance Company, PT. BNI Life Insurance year 2007-2011. The method used in this research was descriptive analysis method and the use of statistics. The hypothesis testing used t-test. The data analysis used linear regression statistics, Pearson correlation, and coefficient of determination.  The t-test showed that Risk Based Capital did not give significant influence towards profitability. The result could be observed in the analysis of determination coefficient which showed r value was 0.0231 or 2.31%. It means that there was a correlation of Risk Based Capital towards Profitability, but it was not too significant.    Keywords: risk based capital;  profitabilityAbstrak. Pada penelitian ini, penulis ingin menguji pengaruh Risk Based Capital (RBC) terhadap profitabilitas perusahaan asuransi jiwa. Risk Based Capital (RBC) adalah suatu ukuran  yang menginformasikan tingkat keamanan financial atau kesehatan suatu perusahaan asuransi. Semakin besar rasio kesehatan RBC perusahaan asuransi, maka semakin sehat kondisi financial perusahaan tersebut. Peraturan pemerintah melalui Keputusan Menteri Keuangan No 424/KMK.06/2003 menetapkan batas tingkat solvabilitas untuk menentukan tingkat risk based capital (RBC) yang harus dicapai setiap perusahaan asuransi, yaitu ≥ 120%. RBC yang dimiliki perusahaan asuransi akan mempengaruhi tingkat profitabilitas yang dihasilkan. Tujuan penelitian ini untuk mengetahui apakah Risk Based Capital berpengaruh terhadap Profitabilitas pada perusahaan asuransi jiwa PT. BNI Life Insurance . Metode yang digunakan dalam penelitian ini adalah metode analisis deskriptif dan penggunaan statistik. Pengujian hipotesis menggunakan uji t. Penganalisaan data menggunakan statistik regresi linier, korelasi Pearson, dan koefisien determinasi.  Hasil Uji t menunjukkan bahwa Risk Based Capital tidak berpengaruh secara  signifikan terhadap Profitabilitas. Hasil ini dapat dilihat pada analisis koefisien determinasi, nilai r sebesar 0,0231 atau 2,31% yang berarti terdapat hubungan antara Risk Based Capital terhadap Profitabilitas, namun tidak terlalu signifikan.Kata Kunci: risk based capital;  profitability

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 PELAYANAN ASURANSI JIWA SYARIAH: SUDAHKAH SESUAI HARAPAN?

2019 ◽  
Vol 17 (2) ◽  
pp. 303-324
Author(s):  
Ahmad Tibrizi Soni Wicaksono ◽  
Rio Trisasmita
Keyword(s):  
Life Insurance ◽  
Sampling Method ◽  
Cluster Sampling ◽  
Insurance Company ◽  
Analysis Method ◽  
Life Insurance Company ◽  
Customer Complaints ◽  
A Value ◽  
Level Of Satisfaction ◽  
Operational Activities

This study aims to analyze Gap on Islamic Life Insurance Services in DKI Jakarta by CARTER approach (Compliance, Assurance, Responsiveness, Tangibles, Empahty, Reliability), respondents in this study amounted to 150 respondents, using Cluster sampling method, this researcher use Importance Performance Analysis Method. The result of the research shows that the level of satisfaction between perception and expectation toward service to customers of Islamic Life Insurance in DKI Jakarta has a value of 97.22%, it indicates that there are still Gap on services provided by Islamic Life Insurance Company in DKI Jakarta especially on Hospitality employees in serving the customer, Ability to respond to problems arising, Ability to communicate with customers, Capacity quickly responsive to customer complaints, Use of equipment and technology in operational activities, and Application of Information technology.

scholarly journals Implementation of Ex-Gratia Claim Payment in Insurance Agreement

2022 ◽  
Vol 13 (1) ◽  
pp. 60
Author(s):  
Wiwin Wintarsih Windiantina ◽  
Eman Suparman ◽  
Isis Ikhwansyah ◽  
Nyulistiowati Suryanti
Keyword(s):  
Life Insurance ◽  
Good Faith ◽  
Insurance Company ◽  
Insurance Agreement

This study aims to explain descriptively about the implementation of ex-gratia claims on life insurance agreements, how to pay and settle ex-gratia claims and ex-gratia claim terms. In the Life Insurance agreement, the insured party when experiencing an unexpected risk of obtaining its rights in the settlement of claims. The occurrence of rejection of claims on life insurance, becomes the cause of a lack of understanding of the actual articles and regulations must be understood before deciding to use insurance. In fact, not all losses suffered by the insured in the insurance agreement can be paid according to the agreement. It is caused by several factors that are considered to violate the principles of insurance and regulations that have been determined in the insurance agreement, resulting in the cancellation of the insurer pays its obligations to the insured or commonly called rejected claims. But customers sometimes still demand that the company pay, therefore the insurance company takes the initiative to pay claims rejected through Ex-gratia. But many people do not know about the ex-gratia claim.  Some insurers take the initiative to pay ex-gratia rejected claims. Implementation of ex gratia claims can be done by negotiation, good faith from the insurer to the insured.   Received: 15 October 2021 / Accepted: 30 November 2021 / Published: 5 January 2022

scholarly journals Measuring the Financial Health Performance of Life Insurance Company in Indonesia: Case Study During the Period of Before and After the Implementation of Peraturan Otoritas Jasa Keuangan, Nomor 71 /Pojk.05/2016

2019 ◽  
Vol 3 (2) ◽  
pp. 64-71
Author(s):  
Wiwiek Mardawiyah Daryanto ◽  
Wawan Rahardianto
Keyword(s):  
Life Insurance ◽  
Financial Services ◽  
Descriptive Analysis ◽  
Insurance Companies ◽  
Insurance Company ◽  
Financial Health ◽  
Life Insurance Company ◽  
Health Performance ◽  
Before And After

Insurance is simply a risk management by transferring the risk of potential loss to an insurance company. By allowing risk to be spread among a large group of people, everyone will take benefits from insurance. Therefore, selecting strong insurance company is important to make sure that your sum assured or claim will be paid according to the policy term and condition. This research aims to measure, analyze, and compare the financial health performance of public listed life insurance companies in Indonesia namely PT Prudential Life Assurance (PLA) and PT AIA Financial (AIA) from 2013 to 2018 (temporary unaudited) by using 5 financial health aspects such as Solvability Level, Technical Reserve, Investment Adequacy, Equity and Guarantee Fund as regulate by The Financial Services Authority (Otoritas Jasa Keuangan – OJK) through POJK No.71/POJK.05/2016. This research is using descriptive analysis and paired t-test to validate the differences of financial aspects during the period of before (2013-2015) and after (2016-2018) the regulation issued. The results of this study show that PLA was performing the best for solvability level, equity and guarantee fund. And PLA must enhance the performance strategy for technical reserve by gaining more premium reserves, reserve claims, reserves on PAYDI and for investment adequacy need to add more non-investment cash saving in banks reserve with the adequacy amount higher than PLA technical reserves.

Collective Modified Value at Risk in Life Insurance

2021 ◽  
Vol 2 (1) ◽  
pp. 24-32
Author(s):  
Muhammad Iqbal Al-Banna Ismail ◽  
Abdul Talib Bon ◽  
Abdul Talib Bon ◽  
Sukono Sukono ◽  
Sukono Sukono ◽  
...  
Keyword(s):  
At Risk ◽  
Life Insurance ◽  
Value At Risk ◽  
Insurance Company ◽  
Insurance Claims ◽  
Insurance System ◽  
Collective Risk ◽  
Risk Loss

Insurance is seen as a tool which individuals can transfer risks to others, where insurance collect funds from individuals to meet financial needs related to damage. Therefore analysis of risk in life insurance claims is really be needed bt the insurance company actuary. In an insurance system, the risk is the event when an insured party puts forward a claim. Claim is the compensation for a risk loss. Individual claim in one period insurance is called aggregation claim while aggregation claim is collective risk

scholarly journals Claim Settlement Process of Life Insurance Policies in Insurance Services - A Comparative Study of LIC of India and ICICI Prudential Life Insurance Company

2015 ◽  
Vol 49 ◽  
pp. 21-29
Author(s):  
Rajesh K. Yadav ◽  
Sarvesh Mohania
Keyword(s):  
Life Insurance ◽  
Financial Risk ◽  
Insurance Coverage ◽  
Secondary Data ◽  
Private Life ◽  
Insurance Company ◽  
Life Insurance Company ◽  
Research Papers ◽  
Insurance Sector ◽  
Insurance Policies

For the purpose of covering up financial risk along with better return on the investment, Life insurance coverage is taken up. Claims are filed at the time of maturity or in case of death/disability. The study focuses on the claim settlement process of life insurance services of LIC of India and ICICI prudential life insurance company. With the increasing market due to increasing number of policies, numbers of claims are also increasing in both the companies. Therefore it is very much essential to have simple and clear claim settlement process. The study is based on the secondary data collected from IRDA and research papers from various journals. The study concluded that in both LIC of India and ICICI prudential life insurance company are following proper claim settlement process. LIC of India claim settlement process is very much efficient but not that transparent and approachable as claim settlement process of ICICI Prudential Life Insurance Company. ICICI Prudential Life Insurance Company with their preference to customers, setting standards by claim settlement process and continues to lead private life insurance sector.

Tuesday Evening

PMLA ◽  
1935 ◽  
Vol 50 (4) ◽  
pp. 1357-1357
Keyword(s):  
Life Insurance ◽  
Insurance Company ◽  
Life Insurance Company ◽  
Local Committee ◽  
Tuesday Evening

On Tuesday evening the members of the Association, and attending members of their families, were entertained with a buffet supper at the Queen City Club at 7:30 p.m. at the invitation of Messrs. Joseph S. Graydon, John J. Rowe, and other Cincinnati friends of the Association. Following this supper an entertainment arranged by the Local Committee was presented in the Hall of the Western and Southern Life Insurance Company. Attendance: about 900.

TANGGAPAN WAJIB PAJAK TERHADAP KUALITAS PELAYANAN DILIHAT DARI TINGKAT KEPENTINGAN DAN KINERJA PADA KANTOR PELAYANAN PAJAK KOTA BOGOR

2018 ◽  
Vol 2 (01) ◽  
pp. 14
Author(s):  
Eddy Supardi
Keyword(s):  
Performance Analysis ◽  
Service Quality ◽  
Descriptive Analysis ◽  
Good Work ◽  
Satisfaction Level ◽  
Quality Service ◽  
Analysis Method ◽  
And Performance ◽  
Personal Tax

The Tax Payer obidience in fulfiling their taxation obligation will be influenced a lot by the satisfaction level toward the service fiscus. The aim of this observation is to know the response of Tax Payer toward service quality through importance and performance. The population which become the object of this observation is the personal Tax Payer registered in Bogor Tax Service Office and the number of respondents taken as the sample are 100 respondents with Slovin formula. The analysis method used is descriptive analysis and importance-performance analysis.   The result of this observation will be able to be used as one of the input to Bogor Tax Service Office in improving the quality service and for the following observation, especially those who take the same object as the observation in order to improve the quality service to the Tax Payer based on the service of its working way which is felt less. Otherwise it is important for The Tax Payer, maintaining the good work or balancing the service quality based on the working way which is evaluated less important by The Taxe Payer, but has been done reasonably well or very well by The Service Office

Politeness Strategies and Social Dimensions in Once Upon A Time Season 1 Movie Series: Sociopragmatics Study

2018 ◽  
Vol 3 (1) ◽  
pp. 18-25
Author(s):  
HENDAR HENDAR ◽  
BUNGA GALUH ANDRETTA TRISNANDI
Keyword(s):  
Social Distance ◽  
Descriptive Analysis ◽  
Social Dimension ◽  
Analysis Method ◽  
Social Dimensions ◽  
Social Distance Scale ◽  
Politeness Strategies ◽  
The Face ◽  
Qualitative Descriptive ◽  
Research Show

The purposes of this research are to find out the types of politeness strategies used to save the face of the characters in Once Upon A Time season 1 and to identify the dominant scale of social dimensions when using politeness strategies in Once Upon A Time season 1. This research uses qualitative-descriptive analysis method and to get the data needed in this research the writer did the following steps: watching the movies, transcribing the speech, searching the data, classifying the data, analyzing the data and drawing a conclusion related to the types of politeness strategies and the dominant scale of social dimensions. The source of the data used is taken from the serial film Once Upon A Time season 1 by Edward Kitsis dan Adam Horowitz. The results of this research show that there are four types of politeness strategies found in the serial film Once Upon A Time season 1. They are 10 data of bald on-record (28,6%), 8 data of positive politeness strategies (22,9%), 13 data of negative politeness strategies (37,1%) and 4 data of off-record consists (11,4%) and the most dominant scale of four social dimension scales is social distance scale 14 data (40%).

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