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TRANSFORMATION KEUANGAN: ANALISIS DAMPAK KEBIJAKAN SPIN OFF PADA ASURANSI ASKRIDA SYARIAH Sanawi, Sanawi; Aini, Qurrotu; Wildandini, Azima
Syar'Insurance: Jurnal Asuransi Syariah Vol. 9 No. 2 (2023): Desember 2023
Publisher : UIN Sultan Maulana Hasanuddin Banten

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Using data from the insurance statistics of PT Asuransi Askrida Syariah, this study will compare the conditions before and after the spin off. In accordance with the decree letter No. KEP-104/D.05/2017 circulated on December 28, 2017, the Financial Services Authority (OJK) has granted an operational license to this company. One of the sharia business units (UUS) of PT Asuransi Bangun Askrida, Askrida Syariah, officially separated itself from the Holding Company. This research will compare the performance of PT Asuransi Bangun Askrida Syariah in the period of 4 years before and 4 years after spin off using profitability. To complete this analysis, a paired sample t-test was conducted. The profitability results show that there is a difference between before and after the spin off on the financial performance of PT Askrida Syariah with the results of Return on Assets (RoA) and Return on Equity (RoE) of the company decreased after the spin off.

Benefit and harm of cryptocurrency as the official currency of a state Darmawansyah, Trisna Taufik; Polindi, Miko; Fitriani, Putri Diesy; Aguspriyani, Yani; Setiadi, Rezky Mehta; Sanawi, Sanawi
Journal of Enterprise and Development (JED) Vol. 5 No. Special-Issue-1 (2023): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

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Purpose — The paper highlights two different opinions among scholars regarding the permissibility of cryptocurrency and explores the factors that contribute to these opinions. Additionally, the article discusses the potential risks associated with cryptocurrency, such as the lack of intrinsic value and the potential for use in illegal activities. Overall, the article seeks to provide insights into the Shariah perspective on cryptocurrency and its potential impact on the financial industry.Method — In conducting a SWOT (strengths, weaknesses, opportunities, and threats) analysis on cryptocurrency, the author gathered data from previous studies, literature in English, Indonesian, and Arabic. Then, the data collected through the SWOT analysis was analyzed using the principles of mashlahah and mafsadah and the principles of maqasid al-shariah. The appropriate method for analyzing data in this study is secondary data analysis.Result — Cryptocurrency is an innovation that has never happened before, especially in the financial world. Cryptocurrency brings many benefits but also brings losses, as evidenced by the weakness of the system and external activities. Based on the SWOT analysis, it appears that the losses or mafsadah tend to be more than the mashlahah, meaning that problems and conflicts will arise if cryptocurrency is used as the official currency of a country.Contribution — The paper makes an important academic contribution by using the Islamic concept of Maqashid al-Sharia, specifically the analysis of mashlahah (benefits) and mafsadah (harms), to evaluate the potential use of cryptocurrencies as national currencies.

InsurTech Aggregator: Menuju Masa Depan Industri Asuransi Digital di Indonesia Trisna Taufik Darmawansyah; Sanawi, Sanawi; Muhamad Fadli Azim; Santi Angraini; Muhamad Turmudi
SATESI: Jurnal Sains Teknologi dan Sistem Informasi Vol. 5 No. 1 (2025): April 2025
Publisher : Yayasan Pendidikan Penelitian Pengabdian ALGERO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54259/satesi.v5i1.4105

The purpose of this study is to conduct a SWOT analysis on InsurTech Aggregator in identifying the strengths, weaknesses, opportunities, and threats faced in the development of online insurance business. Qualitative descriptive methodology is used to gain a deep understanding of InsurTech Aggregator in Indonesia and the insurance products offered. Meanwhile, SWOT analysis will help identify the strengths and weaknesses of the InsurTech Aggregator company, as well as the opportunities and threats that exist in the insurance industry environment. The results of the study obtained an IFAS value of 3.00 and an EFAS value of 2.59. The implication of this study is a strategy for insurance companies to implement the S-O strategy, the steps that can be taken are to utilize the company's internal strengths to take advantage of existing external opportunities. Utilizing the advantages of InsurTech which are easily accessible and practical and the ability to compare policies to develop omnichannel services so as to increase sales opportunities and customer trust. Using an easy and effective claims process to build a strong corporate image, and integrating complex insurance products with services that are easier for prospective customers to understand.

Benefit and harm of cryptocurrency as the official currency of a state Darmawansyah, Trisna Taufik; Polindi, Miko; Fitriani, Putri Diesy; Aguspriyani, Yani; Setiadi, Rezky Mehta; Sanawi, Sanawi
Journal of Enterprise and Development (JED) Vol. 5 No. Special-Issue-1 (2023): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

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

Purpose — The paper highlights two different opinions among scholars regarding the permissibility of cryptocurrency and explores the factors that contribute to these opinions. Additionally, the article discusses the potential risks associated with cryptocurrency, such as the lack of intrinsic value and the potential for use in illegal activities. Overall, the article seeks to provide insights into the Shariah perspective on cryptocurrency and its potential impact on the financial industry.Method — In conducting a SWOT (strengths, weaknesses, opportunities, and threats) analysis on cryptocurrency, the author gathered data from previous studies, literature in English, Indonesian, and Arabic. Then, the data collected through the SWOT analysis was analyzed using the principles of mashlahah and mafsadah and the principles of maqasid al-shariah. The appropriate method for analyzing data in this study is secondary data analysis.Result — Cryptocurrency is an innovation that has never happened before, especially in the financial world. Cryptocurrency brings many benefits but also brings losses, as evidenced by the weakness of the system and external activities. Based on the SWOT analysis, it appears that the losses or mafsadah tend to be more than the mashlahah, meaning that problems and conflicts will arise if cryptocurrency is used as the official currency of a country.Contribution — The paper makes an important academic contribution by using the Islamic concept of Maqashid al-Sharia, specifically the analysis of mashlahah (benefits) and mafsadah (harms), to evaluate the potential use of cryptocurrencies as national currencies.

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