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All Journal Jurnal Audience International Journal of Emerging Issues in Islamic Studies The International Journal of Financial Systems
Widyani, Donafeby
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Religion Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences

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The Influence of GDP and Interest Rate on the Return on Assets of Sharia Life Insurance Companies in Indonesia During the COVID-19 Pandemic Widyani, Donafeby
International Journal of Emerging Issues in Islamic Studies Vol. 3 No. 2 (2023): December 2023
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijeiis.v3i2.1957

Abstract

This paper examines the relationship between the effect of GDP and Interest Rate on the Return on Assets of Islamic insurance companies in Indonesia during the COVID-19 pandemic, using the period 2020 to 2022. Multiple linear regression is used to test the degree of relationship between macroeconomic factors and company performance. The results of the study show that GDP and Interest Rate have no significant effect on the ROA of Islamic life insurance companies in Indonesia. There are three reasons provided, the sharia insurance industry has different characteristics from other industries, the social behavior factor during the COVID-19 pandemic, and there are also other factors that affect the ROA of sharia insurance companies. The findings contribute to the operation of Islamic insurance in Indonesia for regulators, investors, and policyholders.
The Impact Of Insurtech On The Insurance Business Model In Indonesia Widyani, Donafeby
The International Journal of Financial Systems Vol. 1 No. 2 (2023)
Publisher : Otoritas Jasa Keuangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61459/ijfs.v1i2.24

Abstract

In Indonesia, the integration of InsurTech into the business process is beginning to manifest, with emerging companies harnessing technology across various aspects, including customer acquisition, underwriting, claims, billing, and customer service. Furthermore, established companies are incorporating technology into specific facets of their business processes to improve overall efficiency and accuracy. Thus, it is intriguing to delve deeper to the phenomenon to understand what factors are driving the growth of InsurTech there, how it spurs business model innovation, what gaps exist between the country’s current insurance business models and the models required for development, and what capabilities existing insurance companies need to fill in these gaps. This is a qualitative study that interviewed 10 participants, which are C-level executives in ten major national and multinational insurance companies in Indonesia. The finding revealed that efficiency gains, achieved through streamlined processes and cost reduction, drive significant investments in InsurTech. Regulatory challenges and technological advancements shape the trajectory of InsurTech. The direct insurer consumer relationship facilitated by InsurTech enhances speed, ease, and transparency in insurance processes. However, challenges such as underdeveloped business models and resistance to innovation exist. Successful InsurTech integration requires a holistic approach, combining creative thinking, supportive leadership, and industry collaboration. InsurTech not only enhances customer experiences but also holds promise for sustainable business growth through operational optimisation in the Indonesian insurance sector.
Analisis Model AISAS untuk Strategi Perusahaan Konstruksi (Studi pada Perusahaan CSM) Widyani, Donafeby; Wahab, Cieza Aryatama
Jurnal Audience: Jurnal Ilmu Komunikasi Vol. 8 No. 1 (2025): FEBRUARI 2025
Publisher : Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/ja.v8i1.12397

Abstract

Penyedia jasa konstruksi, termasuk Cipta Sarana Mandiri, mulai merambah ke sektor ritel. Sehingga, media sosial menjadi salah satu sebagai alat penting bagi perusahaan ini untuk melakukan komunikasi pemasaran yang efisien dan efektif dalam segmen ritel. Platform media sosial berfungsi sebagai pusat penting bagi konsumen untuk mencari informasi produk dan berbagi informasi, apalagi untuk produk yang kompleks seperti yang ada di industri konstruksi. Selain itu, evolusi penggunaan internet dan media sosial telah mengubah model perilaku konsumen dari kerangka AIDA (Attention-Interest-Desire-Action) tradisional menjadi AISAS (Attention-Interest-Search-Action-Share). Penelitian kualitatif ini mengkaji strategi Instagram Cipta Sarana Mandiri dengan menggunakan Model AISAS. Studi ini melibatkan 15 wawancara pemangku kepentingan, dengan menggunakan metodologi triangulasi untuk memastikan analisis komprehensif terhadap pendekatan perusahaan dari berbagai perspektif. Temuan ini menggarisbawahi pentingnya tahap Share di AISAS bagi perusahaan, menyoroti peran penting hal tersebut dalam mempengaruhi keputusan pembelian konsumen. Triangulasi, dengan menggabungkan wawasan dari berbagai pemangku kepentingan dan juga observasi, memperkaya analisis dan memberikan pemahaman yang lebih holistik tentang bagaimana masukan dan pengalaman konsumen membentuk persepsi dan perilaku di sektor konstruksi. Studi ini merekomendasikan agar perusahaan menerapkan strategi yang dirancang khusus untuk tahap Share, dengan menekankan pentingnya umpan balik dan pengalaman konsumen dalam membentuk persepsi dan perilaku konsumen terhadap produk dengan karakteristik kepercayaan. Kata kunci: AISAS; Industri Konstruksi; Instagram; Strategi Pemasaran
Co-Authors Wahab, Cieza Aryatama