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

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.

The main aspects of the organization's financial risk management

The implementation of an entrepreneurial initiative is inevitably associated with the uncertainty of the conditions for its implementation. The market model of the economic system, which determines the conditions for the behavior of business entities, is characterized by a significant number of areas of such uncertainty. The risk, which is its measure, accompanies the activities of a commercial organization at all stages of its life cycle.

Criminal implications of the legal status of members of the governing body and persons carrying out key functions in banks

In some cases, the operation of legislative additions and amendments to the Criminal Code may raise uncertainties regarding the interpretation and application of the criminal law. In this regard, the will of the legislator is to be expressed in a manner that meets the recognized criteria of quality of the law, namely: accessibility, predictability and clarity. In particular, the rule of criminal law must be worded with sufficient precision so as to enable the person to decide on his conduct and to reasonably foresee, in the light of the circumstances of the case, the consequences of such conduct. In this article, the authors set out to interpret the last sentence of art. 123 para. (2) of the Criminal Code, i.e. – to determine whether the members of the governing body and the persons holding key positions in the bank can be considered persons authorized or invested by the state to provide, on their behalf, public services or perform activities of interest public and implicitly, if they can be considered public persons, within the meaning of art. 123 paragraph (2) of the Criminal Code, since, before the exercise of responsibilities, the candidatures of such persons must be approved by the National Bank of Moldova, or either, are to be considered persons managing a commercial organization, within the meaning of article 124 of the Criminal Code.

ENSURING THE SECURITY OF COMMERCIAL ACTIVITIES

В статье рассматривается экономическая безопасность субъекта коммерческой деятельности. В работе приводятся понятие «экономическая безопасность коммерческой организации», составленные задачи комплексной системы обеспечения безопасности субъекта коммерческой деятельности, разработанные этапы реализации механизма обеспечения экономической безопасности субъекта коммерческой деятельности. The article considers the economic security of a business entity. The paper presents the concept of "economic security of a commercial organization", the tasks of an integrated security system for a business entity, the stages of implementation of the mechanism for ensuring economic security of a business entity.

Optimizing the Finance Structure of Capital at Commercial Organization

In conditions of limited finance resources building optimum finance structure of capital is considered the most important objective, as the availability of the necessary amount of own funds can provide finance sustainability of the organization, the potential to meet timely liabilities to creditors, finance and develop new lines of work. However, any resources (both borrowed and own) have value, as they can be invested into the profitable investment project. It is obvious that the finance structure of capital can influence indirectly the level of organization profit, as in other expenses interest costs or interests payable are shown. Therefore, it is necessary to build such a correlation of own and borrowed sources, which can provide the max profit for the enterprise. As tools for building such a correlation the article proposes methods of mathematic modeling and, namely, the correlation analysis to find the interconnection between the dependent variable, i.e. work profitability and different factors - a share of own and borrowed funds. On the basis of this interconnection regression equation was built, which allows us to find out how the amount of net profit changes with a certain correlation of own and borrowed resources. The analysis was carried out based on published finance reports of the limited company ‘Gazprom Bureniye'.

A set of instruments to study commercial organization staffʼs leadership qualities

Introduction. Intense activity of commercial organizations in the conditions of constant social changes, competition, and social tension, which were caused by the COVID-19 pandemic, necessitates the development of leadership qualities and skills in the staff of commercial organizations.Aim. To determine a set of instruments to assess commercial organization staffʼs leadership qualities.Results. The set of diagnostic instruments proposed by the author to study commercial organization staff's leadership qualities aims to assess staff's basic leadership qualities, which relate to staffʼs abillity to manage and administer the commercial organization, and the staff's special leadership qualities, whichinclude staffʼs abilities to directly lead in commercial organizations and are made up of staffʼs innovative-creative, partnership, emotion-regulating, and gender-relevant abilities.Conclusions. The set of diagnostic instruments presented in the article and designed to study commercial organization staffʼs leadership qualities can be helpful for organizational psychologists to counsel commercial organizations on the problem of staff's leadership development.

TO THE QUESTION OF THE PROBLEMS OF THE COMPANY'S FINANCIAL RESULTS ANALYSIS

According to the civil legislation of the Russian Federation, the main goal of any commercial organization is to obtain stable profit and prevent negative financial results throughout the entire activity period. This is possible through operational (at best, daily) control over the ratio of income and expenses by management personnel, conducting an in-depth retrospective and prospective analysis of revenue, the total cost of the produced and sold product, and other income and expenses. Analytical studies are needed in terms of the influence of individual factors on the amount of income and expenses, and, as a result, prompt measures to prevent unprofitable production and sales are required. Unfortunately, information alone from the published form of the financial results report is insufficient, it is necessary to have additional data describing it, as well as the corresponding accounting registers and primary documents confirming the amount of income and expenses of the company under study. Based on the economic analysis of the indicators of the report on the financial results of a commercial enterprise that has the legal form of a joint-stock company, the article identified shortcomings in the structure and content of the explanations to the annual financial statements, approved by order of the Ministry of Finance of Russia of 02.07.2010, No. 66n. Recommendations are given on the introduction of new section 6 «Income» and new edition of section 7 «Expenses» in the tabular form of the Explanations, these will significantly increase the analytical level of information, allow to promptly monitor and forecast the amount of income, expenses and financial results and make effective management decisions to improve the financial position of Russian companies.

Performance of forensic accounting expert examination to determine income from illegal business activities: Specific methodological aspects

Subject. This article deals with the issues of determining the amount of income received from the implementation of illegal entrepreneurial activities, through the production of forensic accounting expertise. Objectives. The article aims to develop specific practical recommendations to use the forensic accounting expertise to determine income from illegal entrepreneurial activities in the investigation of illegal entrepreneurship. Methods. For the study, we used the methods of analysis, synthesis, systematization, and generalization. Results. The article presents a procedure for determining the income received by a commercial organization or an individual entrepreneur, in the process of forensic accounting expertise. It defines and proposes to apply a sequence of actions of the chartered accountant in solving the problem of determining the amounts of income from illegal entrepreneurial activities. Conclusions and Relevance. When investigating crimes related to the implementation of illegal business activities, it is impossible to do without the use of special economic knowledge. Forensic accounting expert examination is one of the most common forms of using such knowledge in the investigation of crimes under Art. 171 of the Criminal Code of the Russian Federation "Illegal Entrepreneurship". The methodology and organization of accounting expertise should be constantly developed and improved. The results of the study are of an applicable nature and can be used in the organization and production of forensic accounting expert examination in the practice of investigating crimes related to the implementation of illegal entrepreneurial activities.

MAIN PROBLEMS OF COMMERCIALIZATION OF INTELLECTUAL PROPERTY FACILITIES IN KAZAKHSTAN

Commercialization allows customers to have a wider range of products and allows companies to generate more revenue, improve efficiency, and reduce costs. In the article, the authors characterize the main problems of commercialization of intellectual property objects, as well as the conditions that ensure the effectiveness of this process. The rights to commercialize intellectual property objects come from a commercial organization, and the owner retains the rights throughout his life as a legal leverage over competitors. Intellectual property rights broadly include patents, trade secrets, know-how, property data, registered designs, copyrights and trademarks, among others. The study revealed the experience of developed countries, which showed the importance and high efficiency of the commercialization of intellectual property objects. The authors identified the main directions of improving the process of commercialization of intellectual property objects.

USE OF OPERATIONAL ANALYSIS AS A TOOL FOR MANAGING A COMMERCIAL ORGANIZATION IN A CRISIS ECONOMY

The article explores the possibilities of using operational analysis tools for managing a commercial organization in a crisis economy. The approaches to the use of indicators of the profitability threshold and the margin of financial strength to prevent the insolvency and bankruptcy of the organization are considered. The target function of the economic activity of a commercial organization has been formalized. The possibilities of regulating the strength of the operating leverage to reduce the loss of the company's profit with a decrease in sales in the context of the economic crisis have been studied.