Articles
Analisis Implementasi Pelayanan Dalam Penyelesaian Klaim pada Produk Mitra Mabrur Plus Asuransi Jiwa Syariah: Studi Kasus PT. AJS Bumiputera Cabang Medan
Nufikha, Liyundzira;
Ramadhani, Sri;
Syarvina, Wahyu
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/elmal.v5i3.705
This study aims to determine the application of services in resolving claims on products Mitra Mabrur Plus Syariah Bumiputera Life Insurance Medan Branch. This research is a qualitative descriptive study. The data collection technique used was interviews with Customer Managers, Agents and also several customers of Bumiputera Syariah Life Insurance Medan Branch. Observations and documentation were carried out at the Bumiputera Sharia Marketing Office, Medan Branch. The research results that have been obtained are the application of PT. Bumiputera Syariah Life Insurance Medan Branch in resolving Claims by providing Excellent Service at Bumiputera Syariah Life Insurance Medan Branch is in accordance with the concept including attiude (good attitude), attention (attention), action (fast action), ability ( having competent skills), appearance (diligent and neat appearance), Accountability (responsibility for all customers) and sympathy (providing a sense of sympathy for customers). Keywords: Syariah Life Insurance, Service Implementation, Claims
Penerapan Jaminan Asuransi Kesehatan terhadap Perlindungan Pegawai Negeri Sipil (PNS): Studi Pada BPJS Kesehatan Cabang Langkat
Rahimi, Siti;
Imsar2;
Syarvina, Wahyu
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/elmal.v5i3.712
Study aims to determine the implementation of health insurance carried out by BPJS Kesehatan, and can be used as a consideration in formulating and designing policies for implementing health insurance for Civil Servants (PNS) and also to find out the obstacles faced by BPJS Kesehatan Langkat Branch. The type of research used is descriptive qualitative research. The conclusions of this study in brief are: (1) The implementation of health insurance at the Langkat Branch of Health BPJS is in accordance with the law on state civil servants that civil servants are entitled to receive pension security, old age security, health insurance, work accident insurance and death security. And the implementation of health insurance for civil servants at BPJS Kesehatan Langkat Branch is in accordance with Law No. 24 of 2011, which stipulates that BPJS Kesehatan functions to organize a health insurance program with the aim of ensuring that participants receive health care benefits and protection in meeting basic health needs. (2) Obstacles found in the Langkat Branch of BPJS Health are delays in service to participants, health facilities obtained are not in accordance with the fees paid, lack of participant data collection. The solution to the obstacles in the Langkat Branch Health BPJS needs to be improved in the service system because what participants need is fast, accurate service and can provide convenience in participant administration. Keywords: Insurance, Health Insurance, Civil Servants, Services, Protection.
Stability Analysis of the Dinar Dirham as an Alternative Currency for the Islamic World
Sri Sudiarti;
Wahyu Syarvina
International Journal of Economics (IJEC) Vol. 1 No. 1 (2022): January-June
Publisher : PT Inovasi Pratama Internasional
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DOI: 10.55299/ijec.v1i1.372
The dinar and dirham can last decades to become a formidable medium of exchange, as gold and silver have the highest suitability as money rather than commodities. However, some people believe there are alternative currencies besides gold and silver. Starting to implement and use the dinar and dirham currencies is part of muamalah activities. The wheel of Islamic economics is driven by the dinar and dirham cycle, where a currency is used as a medium of exchange, storage, or fair value of wealth. This will lead to the prosperity of humanity. This study aims to find out evidence of the stability of the dinar and dirham values by using qualitative research methods which are methods of understanding and extracting meaning from what happens to various individuals or groups, originating from humanitarian or social problems. Sources of data obtained from textbooks, journals, manuscripts, etc., and sources obtained from trusted websites. The dinar and dirham currencies are alternatives that can be used as a medium of exchange in the current economy so that the period of socialization and education for the community must be in collaboration with other factors in various elements of society, the world of education, and most importantly the policies made by the government are in line with in tune with the principles of Islamic economics in various aspects of life.
Analisis Standar Pelayanan Administrasi Umum Di Kantor Kecamatan Na IX-X Kabupaten Labuhanbatu Utara
Munthe, Ira Hairun Nisa;
Syarvina, Wahyu
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai
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Tujuan dari penelitian ini adalah untuk mengetahui bagaimana proses pelayanan administrasi umum yang dilaksanakan di kantor Camat Na IX-X di Kabupaten Labuhanbatu Utara. Pendekatan deskriptif kualitatif digunakan dalam penelitian ini, dengan menggunakan alat penelitian seperti wawancara dan penyebaran kuesioner. Data dikumpulkan dari sumber primer yaitu wawancara dengan petugas pelayanan administrasi umum di kantor kecamatan Na IX-X. Data sekunder dikumpulkan melalui prosedur pelayanan administrasi umum kantor kecamatan Na IX-X. Berdasarkan temuan analisis penyebaran kuesioner dapat disimpulkan bahwa proses pelayanan administrasi umum di kantor kecamatan Na IX-X secara keseluruhan kurang baik. Tantangannya antara lain keterbatasan sumber daya manusia, bangunan, dan infrastruktur pendukung pelayanan yang masih belum sepenuhnya terpenuhi, serta personel yang melanggar prosedur pelayanan. Untuk mencapai pelayanan administrasi umum yang efektif, kantor kecamatan harus meningkatkan mutu pelayanan melalui penambahan sumber daya manusia, peningkatan dan perluasan bangunan dan prasarana, serta menindak lanjuti standar operasional proses yang telah ditetapkan.
Analisis Sumber Dan Penggunaan Kas Pada Koperasi Pegawai Republik Indonesia Kota Medan
Wahyuni, Sri;
Syarvina, Wahyu
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai
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Setiap perusahaan dan koperasi juga membutuhkan banyak uang untuk membiayai operasi sehari-hari dan membuat reel estat baru tetap. Uang tunai memainkan peran penting dalam menjaga kelancaran fungsi koperasi. Tujuan dari penilitian ini adalah untuk mengetahui penukaran uang pada koperasi pegawai Republik Indonesia (PKPRI) Kota medan pada tahun 2020 dan 2021. Penelitian ini bersifat deskriptif kuantitatif dan jenis data yang digunakan adalah data sekunder yang telah dipublikasikan secara resmi. Secara teknis Dari laporan sumber dan penggunaan kas periode 2020 dan 2021 terlihat bahwa uang tunai Rp 275.052.744 peningkatan jumlah kas ini disebabkan oleh penggunaan kas kurang dari kas yang tersedia. Sumber pendanaan yang terlihat adalah tabungan wajib anggota koperasi,dana cadangan,simpanan usaha wajib. Sedangkan penggunaan dana terbesar adalah dana biaya bangunan. Total saldo kas meningkat ditahun 2021, dari presentasi koperasi pegawai republik indonesia kota medan menunjukkan persediaan kas yang dapat menunjang kegiatan operasi perusahaan.
Analysis of Fishermen's Income in The Seribu Archipelago
Sudiarti, Sri;
Syarvina, Wahyu;
Yanti, Nursantri
Jurnal Riset Ilmu Ekonomi Vol. 4 No. 1 (2024): Jurnal Riset Ilmu Ekonomi (JRIE) Edisi April 2024
Publisher : Universitas Pasundan
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DOI: 10.23969/jrie.v4i1.100
This region of Indonesia has great potential for national development and is aimed at increasing economic growth for the better. The low welfare of fishermen, especially traditional fishermen, is a problem that hinders the development of fisheries zones. The purpose of this article is to describe the partial and simultaneous influence of capital, technology, fishing time and fishing experience on fishermen's income in the Seribu Islands. This research is quantitative research with multiple linear regression quantitative descriptive data analysis methods. The analysis results show that the variables capital and time at sea have a significant effect on fishermen's income in the Seribu Islands, while the fishing experience variable does not have a significant effect on the income of fishermen in the Seribu Islands. Then capital, technology, time at sea and sea experience simultaneously have a significant effect on the income of fishermen in the Seribu Islands. Based on research findings it is hoped that fishermen can increase their capital by extending their fishing time and traveling further to optimize their results. It is hoped that the Seribu Islands Government can contribute to policy-making and provide more attention to fishermen by providing support, guidance, and guidance on how to increase fishing.
Analisa Faktor-Faktor Penentu Efesiensi Biaya Bank Umum Syariah Indonesia Menggunakan Metode Parametrik Periode 2017-2021
Adela Putri, Sania;
Yafiz, Muhammad;
Syarvina, Wahyu
JOVISHE : Journal of Visionary Sharia Economy Vol. 1 No. 2 (2022): Edition December 2022
Publisher : Yayasan Lembaga Studi Makwa
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DOI: 10.57255/jovishe.v1i2.243
This study aims to measure the efficiency level of Indonesian Islamic Commoercial Banks in 2017-2021 using the cost function using the parametric Stochastic Frontier Approach (SFA) method and analyse the influence of the component variables forming the efficiency level of Indonesian Islamic Commercial Bank in 2017-2021using the cost function with the method OLS parametric regression. The research method used is a quantitative research method. The samples in this study were Bank BCA Syariah and Bank Victoria Syariah.The result of this study indicate the the average throughout the research period (2017-2021) the efficiency level of costs, Bank Victoria Syariah and Bank BCA Syariah, is 1973803.5 and 77701744.8 respectively, where this efficiency level is included in the efficiency category. Then the determinants of the component variables forming the cost function with the OLS regression method at the two banks have differences. Bank BCA Syariah is significantly influenced by three of the four component variables on costs while Bank Victoria has no significant effect on the four components on costs.
Analisis Peran Undewriter Dalam Menyeleksi Risiko pada Produk Asuransi Kesehatan: : Studi AJB Bumiputera Wilayah Medan
Mutia, Frissai Gusminar;
Lubis, Fauzi Arif;
Syarvina, Wahyu
ManBiz: Journal of Management and Business Vol. 2 No. 2 (2023): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/manbiz.v2i2.1156
This study aims at the role of the underwriter in selecting the risk of health insurance products, knowing the obstacles encountered by the underwriter in selecting the risk and the solutions applied to overcome these obstacles, and knowing the underwriting process of group health insurance at AJB Bumiputera Medan. The type of research used is descriptive research, with a qualitative approach. The conclusions of this study briefly are: (1) Underwriters have an important role in insurance companies because underwriters determine whether the insurance coverage can be accommodated by the company or not. (2) Obstacles encountered by underwriters in selecting risks are the availability of incomplete participant data, previous experience data of the insured and prospective insured not providing the desired budget and benefits, while the solution is to contact the agent concerned to obtain additional information needed by the underwriter, apply analysis to groups of prospective insurance participants as new participants, and provide standard premium rates and benefits. (3) The underwriting process begins when marketing applies for SPPA until the issuance of the policy. Keywords: Underwriting, Underwriter, Group Health Insurance
A Palm Sap-Based Brown Sugar Business Development Strategy Based on the Business Model Canvas
Salsabila, Amanda Putri;
Syarvina, Wahyu;
Daulay, Aqwa Naser
International Journal of Management, Entrepreneurship, Social Science and Humanities Vol. 9 No. 1 (2025): January - June Issue
Publisher : Research Synergy Foundation
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DOI: 10.31098/ijmesh.v9i1.3559
Through the nine elements of the business model canvas, this study seeks to identify or develop a strategy for the development of a palm sap-based brown sugar business at CV. Ritawati Silau Rakyat Brown Palm Sugar, Serdang Bedagai, Indonesia The goal is to establish partnerships to work together to increase revenue and market share. A qualitative approach combined with phenomenological analysis was used to investigate the phenomenon that arises in the field connected to the growth of a brown sugar enterprise based on palm sap in Silau Rakyat Village. Results of the Business Model Canvas Analysis at CV. Ritawati Palm Brown Sugar is a customer segment, local consumers who are looking for natural sweeteners. It has a distinctive taste and authentic aroma. Its distribution is carried out through collectors for the local market. Building customer relationships and communication directly and through social media. Revenue streams: The main source of income is the sale of palm sap brown sugar. Key Resources: The main resource includes palm sap water as a raw material. Key activities, including procurement of raw materials. Key Partnership: Partnership with oil palm farmers. Cost structure, including production, distribution, taxes, and packaging. However, challenges, such as seasonal dependence and raw material availability, remain. The solution to these challenges is to implement key partnerships in the form of procuring palm sap from surrounding areas to address declining palm sap production in Silau Rakyat Village.
Analisis Penerapan Sistem Akuntansi Sumber Daya Manusia Dalam Meningkatkan Kinerja Karyawan Pada Bengkel Honda Servis
Setiawan, Agung;
Syarvina, Wahyu;
Jannah, Nurul
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 2 (2024): Artikel Periode Research Juli 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga
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DOI: 10.36778/jesya.v7i2.1689
Sistem akuntansi sumber daya manusia pada bengkel honda servis mengalami keterbatasan, yang mana keterbatasan sumber daya manusia dapat mempengaruhi kinerja karyawannya. Sementara itu, tenaga kerja yang andal dan hasil kerja karyawan yang maksimal adalah salah satu bagian yang sangat dibutuhkan bagi kemajuan suatu perusahaan, tanpa hal tersebut maka perusahaan tidak dapat berjalan dengan baik. Penelitian ini bertujuan untuk dapat memperoleh informasi permasalahan sistem akuntansi sumber daya manusia yang erat kaitannya dengan keberhasilan kinerja karyawan pada bengkel honda servis. Peneliti menggunakan penelitian kualitatif, peneliti melakukan pengumpulan data melalui wawancara, observasi, studi kepustakaan dan dokumentasi. Hasil penelitian menunjukkan bahwa penerapan sistem akuntansi sumber daya manusia pada bengkel honda servis masih kurang baik dikarenakan kurangnya tenaga ahli pada beberapa bidang tertentu seperti, kepala bengkel dan kepala mekanik, guna untuk menstabilkan sistem akuntasi, meminimalisir terjadinya masalah pada bengkel, dan memaksimalkan tanggungjawab serta kedisiplinan kinerja karyawan