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All Journal Syar'Insurance: Jurnal Asuransi Syariah IIJSE
Ardani, Mochammad
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Economics, Econometrics & Finance

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DETERMINAN PERMINTAAN ASURANSI SYARIAH DI INDONESIA: ANALISIS VARIABEL MAKROEKONOMI Cahayati, Sakina; Darwanto, Darwanto; Ardani, Mochammad
Syar'Insurance: Jurnal Asuransi Syariah Vol. 8 No. 1 (2022): Juni 2022
Publisher : UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/sijas.v8i1.6150

Abstract

Penelitian ini menganalisis faktor-faktor yang mempengaruhi permintaan asuransi syariah di Indonesia. Metode analisis yang digunakan dalam penelitian ini adalah Autoregressive Distributed Lag - Error Correction Model (ARDL-ECM) dengan rangkaian data bulanan dari Januari 2015 sampai Desember 2019. Hasil estimasi ARDL-ECM model (1,0,0,0,0,0) menunjukan bahwa permintaan asuransi syariah tidak bergantung pada variabel inflasi dan premi asuransi konvensional dalam jangka pendek dan panjang. Adapun permintaan asuransi syariah ditentukan oleh pendapatan perkapita masyarakat, SBIS rate, dan pertumbuhan sektor keuangan dalam jangka pendek dan panjang.
A Tale of Umrah Pilgrims Fraud in Indonesia: a Narrative Review Indicating and Anticipating “Fake Bureau” Ardani, Mochammad; Setiawan, Dani; Munir, Muhammad Misbachul; Fitria, Shoimatul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1702

Abstract

The umrah bureau sector in Indonesia has great business potential. The increasing number of umrah pilgrims are not accompanied by a level of literacy towards the credibility of the bureau. This raises problem in the form of umrah bureau business practices that are illegal. A lot of fraud cases has caused huge losses to the pilgrims as consumers. This study aims to reveal the factors that causes umrah bureau fraud and formulate anticipatory steps for bureau that indicated fake. The method used is narrative review by elaborating previous research, literature studies, and also supporting database of cases that validate. This research composed by 35 literatures synthesized. The characteristics of the umrah bureau which are indicated fake, including: 1) sloping prices accompanied by promos; 2) travel legality; and 3) ponzi business model. To anticipate, prospective pilgrims should not be tempted by the promos offered by bureau. Prospective pilgrims must also dig up information related to permits, track records and feedback, as well as transparency of facilities that will be provided by the bureau. Regulators must tighten supervision of the business climate through cooperation with associations of umrah organizers in the local area. That way, consumer protection for the umrah bureau will be more secure.
Co-Authors Cahayati, Sakina Dani Setiawan Darwanto Darwanto Munir, Muhammad Misbachul Shoimatul Fitriana