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All Journal Prosiding Seminar Nasional Sains Dan Teknologi Fakultas Teknik OPSI JPM17: Jurnal Pengabdian Masyarakat Jurnal Ilmiah Teknik Industri Jurnal IPTEK OPERATION EXCELLENCE: Journal of Applied Industrial Engineering PROZIMA (Productivity, Optimization and Manufacturing System Engineering) Kaizen : Management Systems and Industrial Engineering Journal Tibuana : Journal of Applied Industrial Engineering Prosiding Seminar Nasional Sains dan Teknologi Terapan Conference on Innovation and Application of Science and Technology (CIASTECH) Petra International journal of Business Studies (IJBS) Sang Pencerah: Jurnal Ilmiah Universitas Muhammadiyah Buton Industri Inovatif : Jurnal Teknik Industri Jurnal Sistem Teknik Industri International Journal of Science, Engineering and Information Technology JURMATIS : Jurnal Manajemen Teknologi dan Teknik Industri Jurnal Manajemen dan Inovasi (MANOVA) Jurnal Senopati : Sustainability, Ergonomics, Optimization, and Application of Industrial Engineering Jurnal Teknologi dan Manajemen Prosiding Seminar Nasional Teknologi Industri Berkelanjutan PELS (Procedia of Engineering and Life Science) Nusantara of Engineering (NOE) Prosiding Seminar Nasional Teknik Industri Prosiding SEMNAS INOTEK (Seminar Nasional Inovasi Teknologi) Scientica: Jurnal Ilmiah Sains dan Teknologi Jurnal Pengabdian Masyarakat dan aplikasi Teknologi
Lukmandono
Institut Teknologi Adhi Tama Surabaya
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Journal : OPERATION EXCELLENCE: Journal of Applied Industrial Engineering

 1 
Review of The Literature, Prospects, and The Impact of Bancassurance on The Stability of The Banking Industry Anita Hakim Nasution; Lukmandono Lukmandono
Operations Excellence: Journal of Applied Industrial Engineering Vol 13, No 3, (2021): OE November 2021
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/oe.2021.v13.i3.029

Abstract

Existing literature, as well as empirical studies on Bancassurance, emphasize that there has been a shifting business in the bank from selling bank products to IKNB (Non-Bank Financial Industry). In this study, Bancassurance is one of the IKNBs that must be sold because the feather-based income is quite large and has a small risk because the bank is a referral as a distribution agent. The purpose of this research is to determine the characteristics of Bancassurance in various countries for the first time in Indonesia so that our human resources are not unfamiliar with the insurance sold in banks and can adjust the strategy to market characteristics in Indonesia. This paper discusses Bancassurance with various methodologies ranging from Expert Judgment to Risk Management by involving 15 international journal studies related to the implementation of Bancassurance in various countries including Google Scholar, Elsevier, and Science Direct. This paper will be useful as a topic for further research where researchers can identify the effect of bancassurance on banking, risks that occur in bancassurance practice, solutions to sales strategies, and system bottlenecks that occur between bank sales and sales bancassurance. The result of this research is the reluctance of selling banks to sell insurance products because they do not understand the concept of life insurance and unit link. In addition, bancassurance sales resources placed in the bank are not as good as insurance agents in general due to different incentives, incentive problems, and bottlenecks in the sales execution flow also make insurance targets cannot be achieved optimally. The solution is that Re-skills must be done in the "Virtual Century" era because the insurance link unit has also shifted from offline meetings to online so that all systems are done digitally. Coordination between resources is expected to go through a digitization process so that customer claims are quickly resolved, referrals are quickly executed and periodic coaching can be carried out by prohibited branch heads/superiors. Bancassurance with unit link customization/personalization will be a new value proposition.
Co-Authors A'Yun, Qurotul Abdulloh, Mohammad Fauzin Ade Ray Adi Firmansyah Adi Firmansyah Adi Firmansyah Agung Firdausi Ahsan Ajeng Risky Mukti Andi Dwi Wahyu Wibowo Andika Prasetyo Andika Prasetyo Andika Prasetyo Andri Erawati Angga Anugrah Putra Anggun Videan Fatnita Anita Hakim Nasution Arif Nurfadli Arif, Muhammad Fuad Arifiyah, Nuriyanti Charismanda Adilla Tristianto Devi Susiati Dewi, Ratna Murtisari Dhiwangkara, Thifali dimas wisnu dharma putra Dwi Mei Riya Ristanti Dwicahyani, Anindya Rachma Enik, Enik Sulistyowati Erawati, Andri Erdhianto, Yoniv Esti Widhiarni Evi Yuliawati Faisal Rahman Faisal Rahman, Faisal Farid Ardyansyah Fatnita, Anggun Videan Febriana, Dyah Ayu Fitriani, Anisa Putri Gemamustika, Satria Hamdani Hamdani Hanny Hafiar Hartono, Rudi Hasib, Nur Hastawati Chrisna Suroso, Hastawati Chrisna Hofifah, Hofifah Ibrahim Aji Iis Riyana Ila Asih Setiani Ilmi, Muhammad Fajrul INDUNG SUDARSO, INDUNG Indung Sudarsono Irawan, Putut Ade Irfan Dwi Santoso Ishaq, Ardan Maulana Johan Alfian Pradana Lailatul Badriyah Marnoto, Marnoto Minto Basuki Moch. Junaidi Hidayat Moch. Mahsun Muhamad Rafi Maulana Muhamad Yasin Muhammad Fuad Arif Mukti, Ajeng Risky Mukti, Gatot Basuki Hari Mushthofa Zuhad Siroj Narto Narto Narto Narto Narto Narto, Narto Ni Luh Putu Hariastuti Ningtyas, Ollifia Ayu Nur Hasib Nur Kalim Nurfadli, Arif OB. Bayu Sinatra Ollifia Ayu Ningtyas Paramesti, Rara Nidhana Pranakusuma Sudhana Prastyo, Sodo Rizky Pratama Egista, Arga Pratama, Andreas Dhiyong Puspitasari, Shella Anindya Putra, Angga Anugrah Qoiron, Rizal Qurotul A'Yun Rachmadi, Mohamad Iman Rahardi Wardhana Ratna Murtisari Dewi Ratna Murtisari Dewi Ray, Ade Rio Adi Trisna Rizal Ardianto Rony Prabowo Saadillah, Fathi Salehudin Salehudin Santoso, Irfan Dwi Satria Gemamustika Setiani, Ila Asih Shella Anindya Puspitasari Sodo Rizky Prastyo Sudhana, Pranakusuma Sugiarto, Vito Andrianto Pratama Suhartini Suhartini Sulthon, Ali Sulthony, Fahd Suparjo Suparto Suparto Suparto Suparto Susi Rahayu Syahputra, Lazuardy Reza Syaiin, Moh Nur Thifali Dhiwangkara Trias Septin Hariana Ubaid, Zaky Viky Setyawan Vincendy, Constantinus Johananda Kardinal Wiryanto, Ibnu Yoniv Erdianto Zeplin Jiwa Husada Tarigan