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All Journal JURNAL SYARIKAH : JURNAL EKONOMI ISLAM An Nawawi Jurnal Ilmiah Multidisiplin Indonesia
Achmad, Basuki
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Agriculture, Biological Sciences & Forestry Computer Science & IT Earth & Planetary Sciences Economics, Econometrics & Finance Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Physics Social Sciences

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FAKTOR-FAKTOR RISIKO YANG MEMPENGARUHI PILIHAN KEBIJAKAN UNDERWRITING PADA ASURANSI MIKRO Achmad, Basuki; Hadi, Kuncoro
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol. 1 No. 2 (2015): Jurnal Syarikah
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (456.986 KB) | DOI: 10.30997/jsei.v1i2.258

Abstract

Penelitian ini bertujuan untuk mengetahui faktor-faktor risiko underwriting yang akan mempengaruhi pengambilan keputusan melanjutkan atau merubah kebijakan underwriting pada nasabah Lembaga Keuangan Mikro (LKM), model yang dibentuk dan dianalisis menggunakan teknik binomial logistic. Penelitian ini dilakukan di BRIngin Life Syariah, data yang dianalisis adalah data peserta asuransi jiwa pembiayaan, yakni produk asuransi syariah yang dirancang khusus untuk melindungi LKM dari risiko kegagalan melunasi kredit/pembiayaan akibat peserta meninggal dunia. Periode pengumpulan data antara tahun Januari 2004 sampai dengan Desember 2013. Hasil analisis menunjukkan bahwa LKM dengan karakteristik data seperti: memiliki rata-rata usia nasabah pembiayaan diatas 40 tahun, berbadan hukum selain BPR atau Koperasi, rata-rata besarnya pembiayaan lebih dari Rp. 50.000.000,- (lima puluh juta rupiah), berdomisili di pulau Sumatera, dengan rata-rata masa pembiayaan lebih dari 2 tahun dan tidak menerapkan prinsip syariah, maka peluang manajemen merubah kebijakan underwriting adalah 16%. Berdasarkan metode binomial logistic ini, faktor-faktor tersebut sebagian besar mempengaruhi secara signifikan, kecuali letak geografis, penerapan syariah dan LKM yang berbadan hukum BPR.Kata kunci : Binomial Logistik, underwriting, Asuransi syariah, Manajemen risiko, Lembaga Keuangan Mikro
KAJIAN ISLAM KLASIK TERHADAP FAKTOR-FAKTOR RISIKO UNDERWRITING PADA ASURANSI JIWA SYARIAH DALAM MENGEMBANGKAN BAURAN PEMASARAN Achmad, Basuki
An Nawawi Vol 1 No 2 (2021): An Nawawi
Publisher : Sekolah Tinggi Ilmu Fikih Syeikh Nawawi Tanara Serang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (830.89 KB) | DOI: 10.55252/annawawi.v1i2.12

Abstract

This study aims to determine the underwriting risk factors that will influence the decision to continue or change the underwriting policy in Sharia Life Insurance. known for underwriting which assesses age, place of residence and several other factors will be studied by finding it in some classic Islamic books.
Bow-Tie Analysis in the Management of Tabarru’ Funds Using the Investment Adequacy Ratio (IAR) Indicator: A Case Study on the Sharia Unit of PT ABC Life Achmad, Basuki
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) Vol. 5 No. 01 (2026): Jim-Id, January 2026
Publisher : Sean Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

his study is motivated by the decline in the Investment Adequacy Ratio (RKI) in Indonesia’s life insurance industry during 2018–2020, particularly throughout the Covid-19 pandemic. RKI is a key liquidity indicator that reflects an insurer’s ability, including that of Islamic units, to meet short-term obligations; thus, its deterioration poses significant risk exposure. This research employs a case study method on the Islamic unit of PT ABC Life, focusing on tabarru’ fund management as the primary risk source. Data were collected through document analysis of financial statements, internal risk-management guidelines, and supporting interviews with relevant officers. Risk assessment was conducted using the Bow-Tie method to identify causal factors, escalation elements, and controls, aligned with the ISO 31000 framework. The findings reveal several contributors to the RKI decline, including investment-return volatility, reduced participant contributions, and increased claim burdens during the pandemic. The Bow-Tie analysis effectively maps cause-and-effect relationships and highlights the most relevant mitigation controls. These results offer practical insights for Islamic insurance providers in strengthening liquidity risk management and present an analytical framework applicable to similar conditions across the life insurance industry.
Co-Authors Kuncoro Hadi