Faktor-Faktor Yang Mempengaruhi Surplus Underwriting Dana Tabarru’ Pada Perusahaan Asuransi Jiwa Syariah

Alifianingrum, Rosyda; Suprayogi, Noven

doi:10.20473/vol5iss20182pp143-157

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“…Kemudian pada akhir periode surplus tersebut dibagi hasil antara peserta dan perusahaan sesuai dengan nisbah yang telah ditentukan (Sula, 2004). Selain itu, surplus juga dapat difungsikan sebagai cadangan ketika di masa mendatang terjadi defisit underwriting atau ketika beban asuransi melebihi pendapatan asuransi, sehingga kasus gagal bayar tidak terjadi (Alifianingrum & Suprayogi, 2019).…”

Section: Pendahuluanunclassified

“…Bahkan terjadinya defisit underwriting mengindikasikan adanya kesalahan dalam pelaksanaan fungsional industri asuransi jiwa syariah dalam mengelola dana peserta (Karim Consulting Indonesia, 2017). Kasus-kasus defisit underwriting dana tabarru' yang dialami oleh asuransi jiwa syariah membuktikan pentingnya surplus underwriting dana tabarru' bagi perusahaan asuransi syariah maupun bagi peserta asuransi syariah (Alifianingrum & Suprayogi, 2019).…”

Section: Pendahuluanunclassified

“…Penelitian terdahulu mengenai faktor-faktor yang mempengaruhi perolehan surplus underwriting dana tabarru' telah banyak dilakukan. Di antaranya dilakukan oleh Damayanti (2016), Alifianingrum & Suprayogi (2019), Ramdhani & Sukmaningrum (2019), Puspitasari et al, (2020), dan Rohmah & Filianti (2020).…”

Section: Pendahuluanunclassified

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Faktor Determinan Perolehan Surplus (Defisit) Underwriting Dana Tabarru’ Pada Asuransi Jiwa Syariah

Hasanah¹,

Kamal²

2022

JAKIs

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This study aims to determine the internal factors and macroeconomic factors that affect the underwriting surplus (deficit) of tabarru' funds in Islamic life insurance companies in Indonesia. Internal factors used are contributions, investment returns, and claims. And macroeconomic factors used are inflation and Gross Domestic Product (GDP). The research sample was taken by purposive sampling technique, namely as many as 20 sharia life insurance companies. The observation period begins in 2017 and ends in 2020. The analytical method used is panel data regression analysis which is processed using Eviews 10. Based on the panel data regression test results show that simultaneously contributions, investment returns, claims, inflation and GDP have a significant effect on the underwriting surplus (deficit) of tabarru' funds in sharia life insurance companies in Indonesia for the period 2017-2020. Partially shows that contributions, investment returns, claims and GDP have a significant effect on the underwriting surplus (deficit) of tabarru' funds in Islamic life insurance companies in Indonesia for the period 2017-2020. Meanwhile, inflation has no significant effect on the underwriting surplus (deficit) of tabarru' funds in Islamic life insurance companies in Indonesia for the period 2017-2020.

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Section: Pendahuluanunclassified

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Faktor Determinan Perolehan Surplus (Defisit) Underwriting Dana Tabarru’ Pada Asuransi Jiwa Syariah

Hasanah¹,

Kamal²

2022

JAKIs

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“…10 Suatu perusahaan asuransi syariah dapat dikatakan mengalami surplus underwriting apabila perusahaan tersebut dapat mengelola dana peserta dengan baik dan dengan adanya hal tersebut dapat menumbuhkan kepercayaan masyarakat bahwa perusahaan asuransi tersebut merupakan perusahaan yang baik. 11 Menurut Karwati,12 surplus underwriting dan dana tabarru' juga dapat digunakan sebagai dana cadangan bagi pembayaran klaim peserta asuransi di masa depan sehingga resiko gagal bayar terhadap klaim dapat diminimalisir.…”

Section: Pendahuluanunclassified

Faktor-Faktor yang Mempengaruhi Investasi pada Perusahaan Asuransi Jiwa Syariah yang Terdaftar di Otoritas Jasa Keuangan (OJK)

Dewi¹,

Nasution²,

Setiawan³

2021

Jur. Ekon. Syar

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This research analyzes the effect of tabarru fund and underwriting on investment in sharia life insurance companies in Indonesia that are registered in the Financial Services Authority (OJK). The independent variables are tabarru fund and underwriting. The dependent variable is an investment. The research was conducted using ten companies that met the sample selection criteria of seven years from 2013-2019. The seventy total data are registered with the financial services authority. This research used the purposive sampling technique. The data were analyzed through SPSS as a tool. This study indicated that the tabarru fund had a significant effect on investment in Islamic life insurance companies. Partial analysis (t-test) of tabarru fund had a significant positive impact on investment in Islamic insurance companies for the 2013-2019 period. The simultaneous F significance test results for the tabarru fund and underwriting F significant variables were simultaneously 0.000 less than the 0.05 significance level. Thus it can be concluded that H0 was rejected and H1 was accepted so that the regression model tested was fit, and the independent variable (tabarru fund and underwriting) simultaneously had affected the dependent variable (investment).

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“…Regional income that describes remuneration for production factors operating in the area such as land (Yudha & Muizz, 2020), capital (Indrawati et al, 2020), labor (Abduh, 2019), and technology that can support prosperity area (Nursafitri & Yudha, 2020). Meanwhile, the increase in the community's economy can be seen from the changes in the economic life of a more prosperous community (Alifianingrum & Suprayogi, 2018).…”

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Integrated Economic Empowerment: Evidence in the Religious Area of Gusdur's Tomb

Mufidah

Syafaq

Yudha

2021

JESTT

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ABSTRAKSaat ini wisata syariah yang biasa dikenal dengan wisata religi sedang menjamur, khususnya di Jawa Timur. Sosok yang dianggap wali oleh sebagian orang itu berada di Surabaya, Gresik, dan Tuban, namun saat ini berkembang di kabupaten Jombang, yakni makam Presiden ke-4 Abdurrahman Wahid yang disebut Gus Dur. Penelitian ini bertujuan untuk mengetahui pemahaman masyarakat dalam memanfaatkan peluang wisata religi makam Gus Dur dalam meningkatkan perekonomian masyarakat sekitar pondok pesantren Tebuireng khususnya di dusun Jalan Seblak gang III. Penelitian ini dapat dicermati melalui perubahan kehidupan ekonomi, pemanfaatan peluang usaha dan faktor penghambat bagi kepentingan usaha. Penelitian ini menggunakan metode deskriptif kualitatif dengan teknik pengumpulan data wawancara dan dokumentasi. Hasil penelitian ini menunjukkan bahwa masyarakat setempat mengalami perubahan ekonomi dengan memanfaatkan peluang untuk membangun warung di atas tanah mereka dan menyewakannya kepada pedagang luar. Ini memberikan nilai ekonomi tambahan. Namun, penjualan warung-warung tersebut dinilai tidak mencukupi, sehingga mengharuskan mereka untuk membuka usaha sampingan. Terdapat peluang yang sangat baik bagi masyarakat untuk memilih menyewakan lapaknya karena faktor penghambat yaitu keluarga, tenaga kerja, permodalan, dan rasa empati yang tinggi terhadap pedagang pendatang. Saran bagi Pemerintah Kabupaten Jombang adalah memfasilitasi masyarakat dengan pengetahuan kewirausahaan dengan mengadakan seminar agar memiliki pengetahuan dan motivasi yang tinggi untuk menjalankan bisnis.Kata Kunci: Wisata Religi Makam Gus Dur, Peningkatan Ekonomi, Peluang Usaha. ABSTRACTCurrently, sharia tourism, commonly known as religious-friendly tourism is proliferating, especially in East Java. The figure, who is considered a guardian by some people, is located in Surabaya, Gresik, and Tuban but currently developing in the Jombang district, namely the tomb of the 4th President Abdurrahman Wahid, who is called Gus Dur. This study aims to determine the understanding of the community in taking advantage of religious tourism opportunities in Gus Dur's tomb in improving the community's economy around the Tebuireng Islamic boarding school, especially in the hamlet of Street Seblak street alley III. This study can be observed through changes in economic life, utilization of business opportunities and inhibiting factors for business interests. This study uses a qualitative descriptive method with interview and documentation data collection techniques. The results of this study show that the local community is experiencing economic changes by taking advantage of the opportunity to build a warung on their land and rent it out to outside traders. It provides added economic value. However, the sales of the stalls are considered insufficient, so they require them to open a side business. There is an excellent opportunity for the community to choose to rent out their stalls because of the inhibiting factors, namely family, labour, capital, and a high sense of empathy for migrant traders. The suggestion for the Jombang Regency Government is to facilitate the community with entrepreneurial knowledge by holding seminars to have high knowledge and motivation for business interests.Keywords: Religion Tourism of Gus Dur Tomb, Economic Improvement, Business Opportunity. REFERENCESAbdi, M. K., & Febriyanti, N. (2020). Penyusunan strategi pemasaran islam dalam berwirausaha di sektor ekonomi kreatif pada masa pandemi covid-19. El Qist - Journal of Islamic Economics and Business, 10(2), 160–179.Abduh, M. (2019). The role of Islamic social finance in achieving SDG Number 2: End hunger, achieve food security and improved nutrition and promote sustainable agriculture. Al-Shajarah, Special Issue Islamic Banking and Finance 2019, 185–206.Alifianingrum, R., & Suprayogi, N. (2018). Faktor-faktor yang mempengaruhi surplus underwriting dana tabarru’ pada perusahaan asuransi jiwa syariah. Jurnal Ekonomi Syariah Teori Dan Terapan, 5(2), 144–158. https://e-journal.unair.ac.id/JESTT/article/view/13372Amalia, S. (2018). Reformasi birokrasi 4.0: Strategi menghadapi revolusi industri 4.0. Jurnal Wacana Kinerja: Kajian Praktis-Akademis Kinerja Dan Administrasi Pelayanan Publik. https://doi.org/10.31845/jwk.v21i2.133Chitrakorn, K. (2015). Can halal cosmetics outgrow their niche? Retrieved from https://www.businessoffashion.com/articles/beauty/can-halal-cosmetics-outgrow-their-niche/.De Boni, A., & Forleo, M. B. (2019). Italian halal food market development: drivers and obstacles from experts’ opinions. Journal of Islamic Marketing, 10(4), 1245–1271. https://doi.org/10.1108/JIMA-05-2018-0087Diniyya, A. A. (2019). 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T. S., & Khoirudin, R. (2020). Analisis determinan PAD sub-sektor pariwisata di DIY tahun 2012-2017. Journal of Economics Development Issues (JEDI), 3(1), 1–13. https://doi.org/https://doi.org/10.33005/jedi.v3i01.45Rijal, A. (2018). Pengetahuan konsumen terhadap IB Hasanah Card Bank BNI Syariah Cabang Surabaya. Adilla: Jurnal Ilmiah Ekonomi Syari'ah, 1(1), 117–139.Ryandono, M. N. H. (2018). FinTech waqaf : Solusi permodalan perusahaan startup wirausaha muda, 7(2), 111–121. DOI: https://doi.org/10.22146/studipemudaugm.39347Standard, D. (2019). State of the global islamic economy report 2019/20. Dubai International Financial Centre, 1–174. https://haladinar.io/hdn/doc/report2018.pdfSukoco, A., Anshori, Y., & Yudha, A. T. R. C. (2020). Strategies to increase market share for histopatological equipment products (Brand Sakura): Case Study in management of a sole agent company. SINERGI, 10(2), 19–26.Usman, H., Sobari, N., & Sari, L. E. (2019). 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Faktor-Faktor Yang Mempengaruhi Surplus Underwriting Dana Tabarru’ Pada Perusahaan Asuransi Jiwa Syariah

Cited by 10 publications

References 0 publications

Faktor Determinan Perolehan Surplus (Defisit) Underwriting Dana Tabarru’ Pada Asuransi Jiwa Syariah

Faktor Determinan Perolehan Surplus (Defisit) Underwriting Dana Tabarru’ Pada Asuransi Jiwa Syariah

Faktor-Faktor yang Mempengaruhi Investasi pada Perusahaan Asuransi Jiwa Syariah yang Terdaftar di Otoritas Jasa Keuangan (OJK)

Integrated Economic Empowerment: Evidence in the Religious Area of Gusdur's Tomb

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