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Arifin Fauzi Lubis
Universitas Islam Negeri Sumatera Utara
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Analisis Efektivitas Program BPJS Kesehatan Dalam Meningkatkan Kesehatan dan Kesejahteraan Masyarakat Irna Permata Sari; Fauzi Arif Lubis; Khairina Tambunan
Reslaj : Religion Education Social Laa Roiba Journal Vol 6 No 1 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i1.4575

Abstract

The purpose of this study is two. The first is to find out how effective the BPJS Health program is based on input, process, and output indicators. The second is to know how the community of users of the BPJS Health program sees the benefits they get. In this study, descriptive qualitative research methods are used. Researchers use the theory of post-positive qualitative research as the primary tool for assessing the state of a reasonable thing. The sample consisted of 15 people who answered the question. The results of the analysis show that Labuhanbatu North service facilities, procedures, and responses related to the service process, quality, reliability, and accessibility can affect the level of effectiveness of the BPJS Health program. The BPJS Kesehatan program also helps its participants by lowering treatment costs, boosting health levels, enhancing service quality, and facilitating simpler access to healthcare. Keywords: Effectiveness, Health, Welfare of the Social Security Administration Agency (BPJS)
Optimalisasi Produktivitas Petani Tradisional dalam Mencapai Sustainable Development Growth di Desa Pakantan Ditinjau dari Ekonomi Islam Aisyah Aisyah; Fauzi Arif Lubis; Rahmat Daim Harahap
Reslaj : Religion Education Social Laa Roiba Journal Vol 6 No 1 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i1.4906

Abstract

The purpose of this research is to optimize the productivity of traditional farmers in Pakantan villages and achieve sustainable growth through an Islamic economic approach. The research methods used are qualitative and based on a case study approach. Data analysis was performed using a descriptive qualitative approach and Shariah financial analysis. The results showed that there are several factors that affect the productivity of traditional farmers in Pakantan villages, including social, economic and technical factors. Sustainable development strategies, such as the use of modern agricultural techniques, the establishment of farmer cooperatives and the application of Islamic economic principles such as justice, sustainability and independence, are needed to increase farmers' productivity. The conclusion of this study is that productivity optimization of traditional farmers in Pakantan village can be achieved through an economic approach. Sustainable and eco-friendly Islam. Therefore, it is proposed that the government and communities can work together to apply Islamic economic principles to the agricultural development of Pakantan villages. Keyword: Productivity optimization, traditional farming, sustainable growth, Islamic economy
Pengaruh Persepsi dan Preferensi Pengusaha UMKM terhadap Asuransi Syari'ah: Studi Kasus Pengusaha UMKM diandailing Natal Mayasari Lubis; Fauzi Arif Lubis; Muhammad Lathief Ilhamy Nst
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 3 No 2 (2023): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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

Abstract

Penelitian ini dilatar belakangi oleh adanya prinsip-prinsip asuransi syariah yang terdapat pada lembaga keuangan asuransi syariah. Penelitian ini bertujuan untuk menguji pengaruh persepsi dan preferensi pengusaha UMKM terhadap asuransi syari'ah (Studi Kasus Pengusaha UMKM di Mandailing Natal) secara parsial dan simultan. Populasi pada penelitian ini pengusaha UMKM yang ada di Mandailing Natal. Metode pengambilan sampel dalam penelitian ini menggunakan teknik nonprobability sampling yaitu purposive sampling dengan jumlah 100 responden.Teknik analisis data yang digunakan adalah metode analisis regresi linear berganda. Hasil penelitian secara parsial menunjukkan bahwa persepsi berpengaruh signifikan terhadap asuransi syari'ah dengan signifikansi 0,003 dan t hitung sebesar 3,063.sedangkan preferensi tidak berpengaruh signifikan terhadap asuransi syari'ah dengan signifikansi 0,177 dan t hitung sebesar 1,35.Dan Hasil penelitian secara simultan menunjukkan bahwa persepsi dan preferensi pengusaha UMKM berpengaruh secara bersama terhadap Asuransi syari’ah dengan signifikansi 0,011 dan f hitung sebesar 4,710.Dari hasil uji regresi linier berganda diperoleh persamaan Y= 33,205+0,284 X1+0,084 X2+e.
Analisis Efektivitas Program Jkk Pada Pekerja Sektor Informal Di Bpjs Ketenagakerjaan Cabang Tanjung Morawa Fadillah Moeda, Fauzi Arif Lubis
Economics and Digital Business Review Vol. 4 No. 2 (2023): February - July
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v4i2.794

Abstract

Penelitian ini dilakukan bertujuan untuk mengetahui Bagaimana pelaksanaan analisis efektivitas program JKK pada pekerja sektor informal di BPJS Ketenagakerjann cabang Tanjung Morawa. Jenis penelitian yang digunakan dalam penelitian ini adalah dengan menggunakan penelitian kualitatif. Teknik penelitian ini yaitu menggunakan tahap-tahap yaitu wawancara, observasi, dokumentasi. Hasil penelitian ini menunjukan bahwa Setiap perusahaan wajib mendaftarkan pekerjanya sebagai peserta dalam program JKK pada BPJS Ketenagakerjaan. Baik perusahaan skala usaha besar, menengah, kecil dan mikro yang bergerak dibidang usaha jasa konstruksi yang mempekerjakan pekerja harian lepas, borongan, dan perjanjian kerja waktu tertentu. Pendaftaran peserta BPJS Ketenagakerjaan kini juga semakin praktis karena dapat dilakukan secara online melalui SIPP Ketenagakerjaan.
Persepsi Masyarakat Terhadap Produk Pru Cerah Di PT Prudential Cabang Binjai Tuti Fitri Ani Siregar; Fauzi Arif Lubis
YUME : Journal of Management Vol 6, No 2 (2023)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v6i2.5555

Abstract

Berdasarkan penelitian yang dilakukan di PT Prudential cabang Binjai, Mahalnya biaya pendidikan saat ini membuat setiap orang tua harus benar-benar merencanakan dan mengganggarkan dana pendidikan anak sedini mungkin, bahkan sejak anak masih dalam kandungan. Hal ini bertujuan untuk meringankan beban biaya yang harus dikeluarkan saat anak memasuki usia sekolah, produk pru cerah masih sedikit, karena masyarakat masih belum memahami secara jelas permasalahan produk pru cerah. Produk Pru cerah dapat membantu perjalanan panjang orang tua untuk memenuhi kebutuhan pendidikan tinggi anak-anak terus terlindungi secara optimal dari berbagai risiko dan dapat memberikan banyak manfaat bagi dana pendidikan berupa tarik tunai satu kali dan tarik tunai berulang. Namun di PT Prudential Cabang Binjai, sebagian besar masyarakat menggunakan produk Pru Cinta (asuransi jiwa).Kata Kunci : Persepsi, Asuransi Syariah, Pru cerah
Analisis Strategi Bisnis PTPN II Dengan Menggunakan Metode SOAR Dan QSPM Darajatul Husna; Fauzi Arif Lubis; Nuri Aslami
Gudang Jurnal Multidisiplin Ilmu Vol. 1 No. 4 (2023): GJMI - OKTOBER
Publisher : PT. Gudang Pustaka Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/gjmi.v1i4.93

Abstract

Penelitian ini bertujuan untuk bentuk – bentuk strategi perusahaan dengan memperhatikan Strengths, Opportunities, Aspirations, Results yang ada di PT. Perkebunan Nusantara II. Memilih prioritas strategi kebijakan di PT. Perkebunan Nusantara II dan usulan yang dilakukan oleh perusahaan.Metodologi pada penelitian ini adalah penelitian mix method yaitu kuantitatif yang dikualitatifkan dengan informan yang menjadisubjek penelitian pada penelitian ini adalah Jajaran Direksi PT. Perkebunan Nusantara II. Hasil penelitian menunjukkan bahwa ada keuntungan yang dapat dimanfaatkan dan taktik yang masih dapat dioptimalkan untuk meningkatkan pemasaran PTPN II dan tidak tertinggal dari produsen kelapa sawit lainnya.Hasil SOAR adalah Strategi S-A, yang merupakan rencana yang dikembangkan antara kekuatan dan aspirasi, adalah strategi yang cocok untuk diterapkan berdasarkan temuan analisis. Hasil QSPM yang menjadi prioritas adalah dengan menentukan dan membuat tim khusus untuk menyeleksi dan mengklasifikasi hasil kelapa sawit karena memilki skor STAS tertinggi yaitu 4,8. Saran bahwa startegi bisnis menawarkan saran rencana bisnis yang sesuai untuk mengatasi masalah saat ini di dalam organisasi di PTPN II, khususnya dalam memenangkan persaingan pangsa pasar.
Strategi Quadruple Helix Dalam Meningkatkan Ekonomi Masyarakat Kelompok Cari Lidi (Carli) di Kecamatan Sungai Kanan Kabupaten Labuhanbatu Selatan Ashabul jannah siregar; Fauzi Arif Lubis; Nuri Aslami
Transformasi: Journal of Economics and Business Management Vol. 2 No. 4 (2023): December : Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v2i4.1111

Abstract

Business activities are generally carried out by the community by exploiting the natural potential around them, namely the business of utilizing palm oil stick waste. This waste has not been used at all by the community so it is left like that. However, the existence of a search for sticks can provide additional income for the community. This research aims to find out the strategy for implementing the Quadruple Helix in improving the economy of the people of the search for sticks (carli) group in Sungai Kanan District, South Labuhanbatu Regency. The Quadruple Helix implementation strategy is one model that is suitable for social research and innovation. Data collection was carried out using a qualitative research design through observation, documentation and in-depth interviews, then supported by literature study. The research results show that the strategy for implementing the Quadruple Helix in improving the community's economy can provide significant benefits if implemented well. There are several ways to implement the Quadruple Helix so that it can help improve the economy of the people of South Labuhanbatu Sungai Kanan District, such as Partnership and Collaboration. Through partnerships between government, academics, business and society, different resources and knowledge can be combined. This collaboration can produce innovations and new solutions to increase production, added value of stick products, and the number of stick exports, thereby providing greater economic benefits for the stick-seeking (carli) community. However, there are several obstacles in implementing the Quadruple Helix, namely that even though it has been implemented, it has not been fully implemented to the maximum extent for the people of Sungai Kanan Labuhan Batu Selatan District.
Analisis Faktor Faktor yang Menyebabkan Terjadinya Gagal Klaim Asuransi pada PT Prudential Life Assurance Cabang Binjai Nurul Hafizah Nst; Fauzi Arif Lubis
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.19466

Abstract

AbstractInsurance is a protection mechanism between the insurance company that binds itself to the insured where the insurer receives several premiums paid by the insured in the event of a loss or risk in the future.  With the official payment paid every month, it will make it easier for the insured (customer) to carry out insurance activities.  However, in its activities, not every insured person meets the requirements to receive compensation at the time of filing a claim.  From this background, there is a formulation of the problem, namely the factors that cause rejection or failure of claims made by the insured and what solutions the company can provide to the insured.  This research was conducted at PT.  Prudential Life Assurance Binjai branch using a qualitative approach.  The types of data used in this research are primary data and secondary data.  Primary data obtained through interviews and secondary data obtained through journals, articles that match the object.  The results of the study show that the causative factors for failed claims to customers are due to insurance policies that have lapsed so that companies refuse to submit claims.  Meanwhile, to get compensation, the insured's policy must remain active so that claims can be made against the insured.Keywords : Factors, Claim Failure, Insurance
Analisis Prosedur Pengajuan Klaim Asuransi Jiwa Unit Link Syariah pada PT. Asuransi Allianz Syariah Cabang Batu Bara Tamarindika Manja Putri; Fauzi Arif Lubis
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.19469

Abstract

AbstrakAsuransi Allianz sebagai perusahaan  perusahaan global terbesar yang bergerak di bidang layanan asuransi dan manajemen aset. Dan untuk Setiap perusahaan memiliki prosedur dan stardart masing-masing. Demikian halnya dalam hal prosedur klaim asuransi tentu berbeda antara perusahaan yang satu dengan yang lain. Maka dari itu agar dapat mempermudah prosedur penanganan klaim, Asuransi Allianz memberikan prosedur yang mudah agar calon nasabah dapat dengan segera mengklaim asuransi yang digunakan. Dari penjelasan di atas, tugas akhir ini mengangkat judul “Analisis Prosedur Pengajuan Klaim Asuransi Jiwa Unit Link Syariah Pada PT. Asuransi Allianz Syariah Cabang Batu Bara. Tujuan penelitian ini untuk untuk untuk mengetahui prosedur pengajuan klaim asuransi jiwa unit link syariah pada PT. Asuransi Allianz Syariah Cabang Batu Bara.Kata kunci : Asuransi, Allianz, Prosedur Pengajuan Klaim
Literasi Pengetahuan Masyarakat terhadap Produk Asuransi Personal Accident dan Surety Bond di PT. Bumiputera Muda 1967 Cabang Medan Fachrunisa Winda Marpaung; Fauzi Arif Lubis
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.19470

Abstract

Abstract            In today's business world, insurance or coverage is very much needed in the business world. While the formulation of the problem in this study is how is the public's knowledge of personal accident and surety bond insurance products at PT. BUMIDA Insurance Medan Branch. The purpose of this study was to determine literacy in public knowledge about personal accident and surety bond insurance products. This research was conducted at PT. BUMIDA INSURANCE 1967 Medan Branch, which is located at Jl. Prof. H.M Yamin No. 41-V, Sidodadi, Kec. Medan Timur, Medan City, North Sumatra 20234. In this study the authors determined 2 (two) variables to be examined, namely the independent variable is a product of knowledge (X) while the dependent variable is (Y) = interest in coverage . The resulting regression equation: Y = 10.843 + 0.904X, and the coefficient of determination is 0.528. Product Knowledge is 52.8% while the remaining 47.2% is explained by other variables outside the research variables. From the t test, the t value for the Product Knowledge variable is 7.171 with a significance value of 0.000, while with a significance limit of 0.05 and in the direction of the positive regression coefficient, the t-table value is 2.013. By comparing the two values obtained, it can be seen that tcount > ttable, so that a decision can be taken to reject H0 and accept H1. The conclusion is that product knowledge partially has a significant effect on personal accident and surety bond insurance products at PT. BUMIDA Medan Branch.Keywords: Knowledge of Products, Personal Accident, Surety Bond
Co-Authors Abror, Ruli ADELIA Adinda Rizki Fadilah Ahmad Fikri Ihsan Nasution Ahmad Habib Pinim ahmad syauqi, ahmad Aisha Alvia Aisyah Aisyah Alviana Sahrini Nasution Ananda Putri Azni Mtd Andi Soemitra Andri Soemitra Andri Soemitra Andri Yusuf Siregar Anisa Bella Saragih Annisa Hafizzah Hutabarat Annisa Namira Annisa Putri Annisa Thaharah Annsa Putri Aqwa Naser Daulay Aqwa Naser Daulay Aqwa Naser Daulay Aqwa Naser Daulay Ardina Khoirunnisa Harahap Ariska, Ayu Arnida Wahyuni Lubis Arnida Wahyuni Lubis Arya Duta Permana Pane Ashabul jannah siregar Asiatun Maulina Munthe Asmaul Husna Asmaul Mutiah Atha, Muhammad Alwan Atika Atika Atika Atika Atika Atika Suryani Aulia Rahmah Pasaribu Aulia, Adinda Putri Aulia, Syaikah Nabilah Ayu Ashara Harahap Ayu Lestari Ayyub Ramadhan Azahra, Alma Azara, Pira Azhari Akmal Tarigan Azmi Rinaldi Nasution Azmi, Raisa Boangmanalu, Farida Hanum Chadisa Rizky Ananda Chairani A Br Nasution Chanda Chansa Thelma Chuzaimah Batubara Chuzaimah Batubara Cut Nurul Azizah Damayanti, Elvina Sari Darajatul Husna Dea Lora Veni Debby Nadillah Harahap Desti Ramadayanti Dharma, Budi Dhita Lutfiah Dinda Delfi Permata Rambe Dira Azzahra Putri Dwi Selfiani Dwita Fratiwi Eka Lestari Ellysa Pradina Elya Ramadhani Tambunan erlina mayasari siregar Erna Sipahutar Ervina Yulia Angkat Fachrunisa Winda Marpaung Fadillatunnisa Fadillatunnisa Fadya Hanin Fahani, Tania Azura Fajar Dwi Ramadhan Sipa Fajri, Muhammad Aulia Fatin, Diyanah Fitri Diani Fitri Hayati Fitri Yani Fitria Hanum Friska, Nur Rani Frissai Gusminar Mutia Gita Kurnia Sari Sembiring Habilla Anshari Harahap , Muhammad Ikhsan Harahap, Lesti Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hardian Aditya Mingka Hasanah Azizi Hasibuan, Widiyani Hayani, Mifta Hendra Harmain Hernita, Hernita Ihsan Nasution, Ahmad Fikri Ikhsan Harahap, Muhammad Ikhwansyah Isranuri Illiyyin Hanifah Maruhawa Imamah Khairiyah Imsar Imsar Imsar Indah Kurniati Siregar Indah Simanjuntak Intan Sakina Br. Nasution Irham, Mawaddah Irma Rahmayani Marpaung Irma Yunita Irna Permata Sari Ismu Hartarto Ismu Hartarto Julianto Isna Nurul Ain Isnaini Harahap Japakiya, Ismail Lutfi Juliana Nasution Kahfita Ardana Khadir, Abdul Khairani Khairani Khairina Tambunan Khairina Tambunan Khairun Nisa Khairunnisa Azzahra Kholifah Kholifah Khotimah Nst, Husnul Kurnia Utami Pasi Laila Fitria Laksono Trisnantoro Larasati, Diah Larasati Laura Okatarani Br Torong Layla Rahma Dani Laylan Syafina Lazuardi, Bayu Leli, Nur Liza Mutia Lubis, Chairunnisa Lubis, Siti Nurhaliza M. Hizbullah Hasibuan M. Lathief Ilhamy Nasution M. Yasir Nasution M. Yusuf M. Yusuf Manna Wassalwa Manna Wassalwa Mardelia - Desfrida Marliyah, Marliyah Marlya Fatira AK Maulidina Raseuky Mayasari Lubis MIFTAHUL JANNAH Muallif Masyhuri Mubarak, M. Asidikki Mufidatul Husna Siregar Muhammad Ardiansyah Muhammad Arif Muhammad Arif Muhammad Habibi Harahap Muhammad Lathief Ilhamy Nasution Muhammad Naufal Muhammad Rafi Hagi Muhammad Satrya Mutthaqin Muhammad Syahbudi Muhammad Syahbudi Muhammad Syukri Albani Nasution Muhammad Yusuf Muhammadharris Suwandi Muhmmad Riduan Multamuddin Multamuddin Mutiara Sawitri Pane Nabila Izmi Aina Nabilahpurba, Nabilahpurba Nainggolan, Natasya Salsabila Nasution, Annio Indah Lestari Nasution, Ansor Nasution, Ferdi Dermawan Nasution, Juliana Nawawi, M Iqbal Nelsi Agustina Siburian Niken Rahmadyah Nikira, Nikira Nila Rosdiana Ningsih, Sri Rahayu Novita Tanjung NUR AHMADI BI RAHMANI Nur Aprillia Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti, N Nuri Aslami Nurlaila Nurlaila Nurlaila Nurlaila Nursantri Yanti Nurul Hafizah Nst Nurul Inayah Nurul Inayah Nurul Inayah Nurul Jannah Nurul Jannah Nurul Jannah Nurulfah Satria Dewi Nurwani Nurwani Nurwani, Nurwani Ongku Indramora Siregar Pasaribu, Zakiyah Khairani Pratista Andanitya Siregar Puspita, Nina Qamara, Lisa Rahmad Sahputra Tanjung rahmadani, mutia Rahmah Sari Lubis Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Rahmi Syahriza, Rahmi Rawani, Ginie Aulia Reni Ria Armayani Hasibuan Reni Ria Armayani Hasibuan Reni Ria Armayani Hasibuan Reni Ria Armayani Hasibuan Reni Ria Armayani Hasibuhan Ria Armayani Hasibuan, Reni Ridwan, Aldy Rifaldi Ahmad Nasution Rika Wulandari Rina Aldila Rita Anggaraini Ritonga, Salfianti Roslinda Harahap Rukmana, Nadia Mayang Salsabilla Siagian Saparuddin Siregar Saparuddin Siregar Sarah, Fauziah Sari, Sekar Saskia, Dhea Ananda Sekar Sari Selvia Selvia Septia Sakinah Rizki Utama Sheila Fadila Sholiha, Sintaini Fi Siagian, Salsabilla Silvia Handayani Siregar Silvia Retri Aldona Tampubolon Sintaini Fi Sholiha Siregar, Rizki Kurnia Siregar, Suci Afria Sasty Siregar, Tarmiji Hamid Siska Junianti Br Perangin-angin Siska Junianti Br Perangin-angin Sitepu, Mhd Fadliq Ananta Siti Aisa Siti Nurhaliza Siti Saleha Sitompul, Siti Nur Aisah Sonya Melinda Nasution Sovianum, Sovianum Suci Citra Pratiwi Daulay Syach Falah, Rifqi Syah, Dwiki Wardana Tamarindika Manja Putri Tambunan, Khairina Titis Budi Prihatin Tri Azmi Ramadhani Tri Inda Fadhila Rahma Tuti Anggraini Tuti Fitri Ani Siregar Ujung, Siti Khoiriyah Karina Wahyu Syarvina Widy Tri Sianuri Y Yusrizal Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yohana Ariska Putri Nasution Yuki Dian Imawanti Yuni, Ika Darma Yusnita Ulfah Munthe Zahra, Annisa Zamzami Akromi Lubis Zulfa Aliyah