scholarly journals Peran Agen Dalam Menentukan Perencanaan Pemasaran dan Meningkatkan Minat Nasabah terhadap Produk Asuransi Syariah

2022 ◽  
Vol 21 (1) ◽  
pp. 25-33
Author(s):  
Al Tasya Fitrah ◽  
Nuri Aslami
Keyword(s):  
Risk Management ◽  
Insurance Companies ◽  
Insurance Company ◽  
Domestic Life ◽  
Direct Communication ◽  
Risk Of Death ◽  
The Face ◽  
Insurance Agent ◽  
Islamic Insurance ◽  
Commercial Organization

Insurance is one of the references to meet the needs and feelings of security in the face of uncertainties that may arise in people's lives and the risks that will be experienced by the company.  Insurance is one of the financial facilities (financial) of domestic life, both in the face of the risk of death and in the face of property risk. In this case, the position of the insurance agent of an insurance company is very strategic, because through this agent the company can market or sell its products to prospective consumers. Agents are also very valuable business assets. An insurance agent is a person who works alone or works in a commercial organization, represents and acts on behalf of an insurance company or sharia insurance company, who is qualified to represent the company. One of the successes of Sharia insurance companies is in the field of marketing. In addition, the agent also plays a role in carrying out activities for the community by introducing financial plans and risk management in insurance and agents also play a role in selecting risk to the customer. customer, assess and measure the extent to which risks that may arise, and determine the best approach to deal with specified risk. Marketing in Islamic insurance requires the ability to recruit, encourage, develop and sell privately (direct communication between sellers and prospective customers and arousing customer interest in the product until the customer is interested in buying the product). Keywords: Insurance, Agent, Marketing Capabilitie, Insurance Customer.

scholarly journals PERAN AGEN ASURANSI SYARIAH DALAM MENINGKATKAN PEMAHAMAN MASYARAKAT TENTANG ASURANSI SYARIAH

2020 ◽  
Vol 5 (1) ◽  
pp. 19-38
Author(s):  
Edi Hariyadi ◽  
Abdi Triyanto
Keyword(s):  
Public Understanding ◽  
Insurance Companies ◽  
Insurance Company ◽  
Access To Information ◽  
The Public ◽  
Library Research ◽  
Insurance Agent ◽  
The Subject ◽  
Islamic Insurance

ABSTRAK. Permasalahan yang akan diangkat dalam penelitian ini adalahbagaimana peran seorang agen asuransi dalam meningkatkan pemahaman terhadapa asuransi takaful. Dalam penelitian ini juga berusaha menjawab bagaimana sikap perilaku nasabah terhadap eksistensi asuaransi syariah. Kedua bagaimana kerja keras seorang agen asuransi syariah dalam meningkatkan kesadaran masyarakat. Model penelitian ini adalah penelitian kepustakaan. Hasil daripada penelitian ini, agen memiliki peran dalam mengakses informasi, menjaga image asuransi syariah, memberikan solusi dan konsultasi terhadapnasabah yang prospektif. Dengan begitu, pemahamanan masyarakat akan manfaat takaful akan menjadi lebih baik.Keywords: Agent Asuransi Syariah, Peran Agen asuransi syariah,pemahaman masyarakatABSTRACT. The subject matter to be discussed in this paper is how the role of an Islamic insurance agent in increasing public understanding of Takaful. In addition this paper will try to answer: how people's attitude toward the existence of Islamic insurance; and how should the efforts of an Islamic insurance agent to increase insurance awareness for the community. This paper focuses the discussion of an agent as an intermediary between the Takaful Islamic insurance company with the community. The method used in this paper is to study literature (Library Research), namely by rethinking simultaneously collects some writing and previous research results related to the presence and role of thefunction of an agent. This results in writing that there are a few roles Takaful agent, such as access to information, guard the good image of Islamic insurance companies, power marketers Islamic insurance products, providing solutions and services to prospective customers as well as provide insight to the public right of Takaful. On the basis of the understanding of Takaful then the public will know and understand the importance of using Takaful.Keywords: Islamic Insurance Agent, Role of Agent, Understanding of society

scholarly journals Analisis Kompetensi Agen Asuransi Kasus Bumi Putera Syariah Palembang

2018 ◽  
Vol 3 (2) ◽  
Author(s):  
Sahirrudin Sahirrudin ◽  
Maya Panorama ◽  
Listiawati Listiawati
Keyword(s):  
Human Resources ◽  
Life Insurance ◽  
Government Agency ◽  
Insurance Companies ◽  
Insurance Company ◽  
Insurance Agent ◽  
Policy Holder ◽  
Islamic Insurance ◽  
The City ◽  
A Company

The success of a company needs employees who are competent, experienced and strong. Islamic insurance companies certainly require employees who have knowledge about insurance in accordance with Islamic sharia principles. In the case of the Islamic insurance company Bumi Putera Palembang in 2015 to 2016 there are 40 insurance policyholders who worked in a government agency to terminate the employment relationship between the insurance and policyholders. This is because there is no transparency related to monthly installment payments that should be proven by a deposit or proof of receipt of payment in full by the field agent to the policy holder. This is not in line with the principles of Islamic insurance, namely avoiding the elements of gharar, maysir and usury. Islam emphasizes aspects of justice, likes and likes and togetherness faces risks in every effort and investment pioneered. This aspect is the concept offer to replace gharar, maysir and riba that have been happening in conventional institutions. The focus of research is on the competency of agents (wakalah) in the sharia Islamic Bumi Putera insurance company in the city of Palembang. The result is obtained from the conclusions of six indicators and evidenced by the table of productive reports of agents related to product marketing that human resources in agents /wakalah Bumi Putera Syariah Life Insurance have not described competency and professionalism. This can be seen from the lack of insurance products sold, attitudes to field issues and the achievement of the target customers determined by the company. Keywords: Insurance Agent Competency, Bumi Putera Syariah

Enterprise risk management for health insurance from an actuarial perspective

2012 ◽  
Vol 17 (2) ◽  
pp. 259-314 ◽  
Author(s):  
G. C. Orros ◽  
J. Smith
Keyword(s):  
Risk Management ◽  
Health Insurance ◽  
Solvency Ii ◽  
Enterprise Risk Management ◽  
Insurance Companies ◽  
Enterprise Risk ◽  
The Face ◽  
Known Unknowns ◽  
Over Time ◽  
Health Insurers

AbstractThis paper focuses on Enterprise Risk Management (ERM) and strategic business management for health insurance companies in our world of ‘unknown unknowns’ and the emergence of unexpected risks over time. It illustrates how Chief Risk Officers (CROs) can focus on ‘risk and opportunity management’ through an ERM framework, and thereby balance risks against opportunities, whilst being resilient against ‘unknown unknowns’ and their emergence over time as ‘known unknowns’ and ‘known knowns’. The paper has been designed to meet the broad requirements of health insurers that would like to implement an ERM framework for the effective risk management of their health insurance lines of business. Risk management for health insurers in the context of Solvency II and broader European Commission regulatory requirements is also discussed. The authors discuss how insurers can develop and apply risk management to build resilience in the face of the storms and shocks that may lie ahead.

scholarly journals The Role Of Insurance Companies in Financing Investment Comparative Study between Qatar Commercial Company and Qatar Islamic Insurance Company

2018 ◽  
Vol 4 (3) ◽  
pp. 8
Author(s):  
Ammar Shihab Ahmad
Keyword(s):  
Financial Institutions ◽  
Insurance Companies ◽  
Insurance Company ◽  
Local Production ◽  
Economic Cycle ◽  
Commercial Company ◽  
Weak Side ◽  
Islamic Insurance ◽  
New Jobs

Insurance companies are one of the most important financial institutions in the financial sector, as they play a very important role of transferring the risk from the weak side of the (insured) who can be a natural person and Omnawi to the most able to bear the risk of the (insured) The insurance company, and hence when the insured contract with the insured receives compensation when the risk agreed by the insurance company in return for payment of insurance premiums for the company, and this role is important in the continuity of the insured in the exercise of their economic and social activities and non-stop as a result of receiving compensation at the time of danger , Which is not They are in their normal lives practicing if they have insurance for their requirements or the survival of their companies within the economic cycle if they have a lock on their companies, and the insurance companies Which will contribute to giving insurance companies an opportunity to invest the accumulated premiums directly through the establishment of companies by them, or investing the premium money indirectly through the provision of loans or purchase of securities from disability units Which provides the appropriate funding for the establishment of its companies, which leads to increase local production and provide new jobs for the members of the community in which it operates, and there are two types of insurance companies (commercial and Islamic) and both types serves the economy in which they work, but whichever is the best ? Hence, the goal of the research is to compare between them and to indicate which is better.

scholarly journals DETERMINAN SOLVABILITAS DANA TABARRU’ PADA PERUSAHAAN ASURANSI SYARIAH DI INDONESIA

El Dinar ◽  
2020 ◽  
Vol 8 (1) ◽  
pp. 52
Author(s):  
Iis Indah Lestari ◽  
Hasan Mukhibad
Keyword(s):  
Financial Services ◽  
Insurance Companies ◽  
Sampling Techniques ◽  
Panel Regression ◽  
Insurance Company ◽  
Variable Size ◽  
Units Of Analysis ◽  
Size Type ◽  
Islamic Insurance ◽  
Descriptive Statistical Analysis

<p><strong><em>Abstract</em></strong></p><p><em>Solvency of tabarru’ funds can indicate a company's ability to pay obligations Islamic insurance claims payments to the participants or policyholders. Related to this, the Financial Services Authority has set a minimum limit of solvency margin tabarru’ funds which amounted to 30% which must be fulfilled by Islamic insurance companies. However, there are three Islamic insurance companies that have a solvency tabarru’ funds under the terms of at least 30%, such as PT Asuransi Astra Buana, Takaful Protection Jaya and PT Tugu Pratama Indonesia. The purpose of this study was to determine the effect of firm size, type of company, Retakaful premiums, investment, wealth available to qardh, and operating expenses to fund solvency tabarru on Islamic insurance company in Indonesia. The population in this study </em><em>was</em><em> Islamic insurance company over registered at the Financial Services Authority (OJK) in the year 2013-2018. By using purposive sampling techniques, sample end of the study amounted to 14 mining companies with 84 units of analysis. Meanwhile, </em><em>the </em><em>analysis us</em><em>ed </em><em>descriptive statistical analysis and panel regression analysis with Eviews 9. The results showed that the return on investment and wealth available to qardh positive and significant impact on the solvency of  tabarru’ fund. Variable size of company, type of company, Retakaful premiums, and operating expenses partially </em><em>have </em><em>no effect on the solvency of the tabarru’ fund. </em></p>

FINANCIAL MANAGEMENT IN THE ACTIVITY OF INSURANCE COMPANIES

2020 ◽  
Vol 18 (Suppl.1) ◽  
pp. 395-400
Author(s):  
Ts. Andreeva
Keyword(s):  
Risk Management ◽  
Financial Management ◽  
Insurance Companies ◽  
Complex Nature ◽  
Insurance Company ◽  
Independent Unit ◽  
Integrated Risk ◽  
Analysis And Synthesis ◽  
Integrated Risk Management

The article defines the essence and justifies the need for financial management in the activities of insurance companies. PURPOSE: The aim of the article is to bring out the specifics of financial management in insurance and outline the advantages of controlling as a function and part of the management of the insurance company to ensure the necessary solvency. METHODS: The systematic and structural approach, analysis and synthesis, including, study of literature sources and analysis of the existing situation in the practice of the insurance company are used. RESULTS: The results are about highlighting the role of risk management in financial management, as well as the importance of factors - gross technical provisions and others, for risk management of the insurance company. CONCLUSION: Тhe complex nature of financial management requires integrated risk management, which requires the establishment of an independent unit and / or position in financial management and risk management.

Governance and Risk Management in United Kingdom Insurance Companies. Discussion held at the Institute of Actuaries

2009 ◽  
Vol 15 (3) ◽  
pp. 557-572
Keyword(s):  
Risk Management ◽  
United Kingdom ◽  
Internal Control ◽  
Insurance Companies ◽  
Original Research ◽  
Insurance Company ◽  
Equity Risk ◽  
Enterprise Risk ◽  
Complex Models ◽  
Wide Group

Mr M. R. Kipling, F.I.A.: This paper is entitled Governance and Risk Management in United Kingdom Insurance Companies. It is a very timely paper in light of the recent publication of the Turner review which, among other things, covers the governance of UK financial institutions.Mr S. P. Deighton, F.I.A. (introducing the paper): The paper is the first formal output from the Research and Thought Leadership subcommittee of the Enterprise Risk Management (ERM) Practice Executive Committee (PEC). It may seem odd, therefore, that it contains no original research. There is not an equation in sight, and there is only one token diagram. This is because the most important of its key themes is that there is much more to ERM than complex models and fancy mathematics.There are a number of areas associated with ERM. One of them is understanding the wider governance framework within which an insurance company must operate, and hence the introduction to that subject at the beginning of the paper. The second is how to run the very detailed identification and mitigation of the myriad of small risks across a wide group which is at the other end of the spectrum to the multi-million pound derivative transactions that manage equity risk. Our paper sees this as indistinguishable from the internal control framework that a company needs in order to comply on the governance front.

scholarly journals “MAQASID SHARIA INDEX”: ARAH BARU KINERJA KEUANGAN PERUSAHAAN ASURANSI SYARIAH DI INDONESIA

2019 ◽  
Vol 1 (1) ◽  
pp. 60-76
Author(s):  
Nugroho Heri Pramono
Keyword(s):  
Financial Performance ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Social Reporting ◽  
Insurance Companies ◽  
Insurance Company ◽  
Test Results ◽  
Islamic Insurance ◽  
Positive Effect ◽  
Research Show

This reseacrh is aimed to analyze the influence of Islamic social reporting index and sharia compliance disclousure to financial performance of Islamic insurance company in Indonesia which is proxied by the value of maqasid sharia. This research was conducted from 2012 to 2014. The sample were used in this reseacrh 34 observations obtained from 12 Islamic insurance company in Indonesia for three years from 2012 to 2014. The sampling technique was used simple random sampling. The results of simultaneous research show that together Islamic social reporting index and sharia compliance disclousure have a significant positive effect to the financial performance of sharia insurance companies proxied with maqasid syariah index. However, based on the partial test results of Islamic reporting index variables and sharia compliance disclosure does not affect the financial performance of sharia insurance companies proxied with the value of maqasid syariah index.

scholarly journals DETERMINANTS OF SHARIA INSURANCE COMPANY PROFITABILITY

2019 ◽  
Vol 4 (01) ◽  
pp. 41
Author(s):  
Maman Suherman ◽  
Irman Firmansyah ◽  
Medina Almunawwaroh
Keyword(s):  
Financial Performance ◽  
Firm Size ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Insurance Companies ◽  
Insurance Company ◽  
The Public ◽  
The People ◽  
Islamic Insurance ◽  
Positive Effect

<p><em>The growth of sharia insurance in Indonesia continues to occur. This is a sign that the people in Indonesia have good risk management because the company's growth is supported by the increase in customers in sharia insurance companies. This condition must be supported again by the conditions in which the company has a good performance, so the company must find a way to continue to improve its performance. This study is aimed to determine the effect of leverage, firm size, and company age on the financial performance of sharia companies. The method used is through quantitative research using multiple regression. The method of data collection uses a purposive sampling technique carried out to all populations, namely all Islamic insurance companies in Indonesia from 2012 to 2018. The results of the study show that leverage and age of the company do not succeed in influencing financial performance, while firm size has a positive effect on financial performance. Therefore it is important for companies to continue to increase their assets, especially in collecting funds from the public as the company's ingredients in managing their finances to improve their financial performance.</em><em></em></p><strong><em>Keywords</em></strong><em>: Age, Financial Performance, Leverage, Size</em>

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