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COMPARISON OF EFFICIENCY LEVEL OF THE SHARIA REINSURANCE COMPANIES IN INDONESIA USING THE DEA METHOD Abdul Ghoni; Ramdan Efendi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 4 (2021): Juli-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20214pp462-473

Abstract

ABSTRAKPenelitian ini bertujuan untuk mengetahui tingkat efisiensi antara perusahaan reasuransi syariah di Indonesia, baik yang berbentuk Unit Usaha Syariah (UUS) maupun yang berbentuk full pledged dengan menggunakan metode Data Envelopment Analysis (DEA). Penelitian ini menggunakan data perusahaan reasuransi syariah tahun 2018 dan tahuhn 2019 dengan data input adalah asset dan beban umum, sedangkan data output adalah laba dan pendapatan usaha. Dari hasil olah data menunjukkan bahwa perusahaan reasuransi syariah baik yang berbentuk unit usaha maupun yang full pledged tingkat efisiensinya terhadap laba dan pendapatan tidak dapat dibandingkan.Kata Kunci: Efisiensi, Reasuransi Syariah, DEA. ABSTRACTThis study aims to determine the level of efficiency between Sharia reinsurance companies in Indonesia, both in the form of a Sharia Business Unit (UUS) or in the form of a full pledged using the Data Envelopment Analysis (DEA) method. This study uses data from Sharia reinsurance companies in 2018 and 2019 with the input data being assets and general expenses, while the output data are profits and operating income. The results of data processing show that sharia reinsurance companies, both in the form of business units and full pledged ones, are not comparable in terms of efficiency of profit and income.Keywords: eficiency, Reinsurance Sharia, DEA. DAFTAR PUSTAKAKementrian Agama Republik Indonesia. (2017). Al-Qur’an dan terjemahan. Jakarta: Kemenag RI.Al Arif, M. (2015). Keterkaitan kebijakan pemisahan terhadap tingkat efisiensi pada industri perbankan syariah di Indonesia. Jurnal Keuangan dan Perbankan, 19(2), 295–304.Pambuko, Z. P. (2019). Kebijakan spin-off dan efisiensi perbankan syariah di Indonesia. Ihtifaz: Journal of Islamic Economics, Finance, and Banking, 2(1), 21-38.Banker, R., Charnes, A., & W.W., C. (1984). Models for estimating technical and scale inefficiencies in data envelopment analysis. Management Science, 30(9), 1078-1092.Charnes, A., W. W., C., & Rhodes, E. (1978). Measuring the efficiency of decision making units. European Journal of Operational Research, 2(6), 429-444.Farrell, M. (1957). The measurement of productive efficiency. Journal of the Royal Statitical Society Series A, 120(3), 253-290.Fitriyani, T. (2018). Optimalisasi kinerja unit asuransi syariah menghadapi kebijakan spin-off. Skripsi tidak diterbitkan. Jakarta: Universitas Islam Negeri Jakarta.Halai, T. (2015). Parent company influence on spin-off performance. Unpublished Thesis. Portugal: University Fernando Pessoa.Hollowell, B. (2009). The long-term performance of parent firms and their spin-offs. The International Journal of Business and Finance Research. 3(1), 119-129.Karim, A. (2007). Ekonomi mikro Islam. Jakarta: Raja Grafindo Persada.Mawaddah, N. (2015). Faktor-faktor yang mempengaruhi profitabilitas syariah. Jurnal Etikonomi, 14(2), 241-256.Muharam, H., & Pusvitasari, R. (2007). Analisis perbandingan efisiensi bank syariah di Indonesia dengan metode data envelopment analysis (DEA) periode tahun 2005. Jurnal Fakultas Ekonomi UNDIP, 80-116.Niswati, Z. (2014). Analisis efisiensi kinerja menggunakan model data envelopment. (DEA) pada PT XYZ. Faktor Exacta, 7(2), 113-125.Rakhmawati, I. (2017). Pengukuran efisiensi di instansi pemerintah dengan metode data envelopment analysis (DEA) untuk mendukung reformasi birokrasi. Jakarta: LIPI Press.Ramadhani, H. (2015). Prospek dan tantangan perkembangan asuransi syariah di Indonesia. Al-Tijary: Jurnal Ekonomi dan Bisnis Islam, 1(1), 57-66.Sari, P., & Saraswati, E. (2017). The determinant of banking efficiency in Indonesia (DEA Approach). Journal of Accounting and Business Education, 1(2), 208-229.Sihombing, N., & Yahya, M. (2016). Pengaruh kebijakan spin-off BOPO DPK dan NPF terhadap profitabilitas perbankan syariah di Indonesia. Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi (JIMEKA), 1(2), 127-137.Suma, M., & Qo’immudin, I. (2020). Asuransi syariah di Indonesia: Telaah teologis, historis, sosiologis, yuridis, dan futurologis. Jakarta: Amzah.Sutawijaya, A., & Lestari, E. (2009). Efisiensi teknik perbankan indonesia pasca krisis ekonomi: Sebuah studi empiris penerapan model DEA. Jurnal Ekonomi Pembangunan, 10(1), 49-67.Taga, A., Nawawi, K., & Kosim, A. (2010). Perkembangan perbankan syariah sebelum dan sesudah spin-off. Tafaqquh: Jurnal Hukum Ekonomi Syariah dan Ahwal Syahsiah, 4(1), 78-110.Uddin, M. (2010). Corporate spin-offs and shareholders' value evidence from Singapore. The International Journal of Business and Finance Research, 4(4), 43-58.
INSURTECH DAN NEW ISLAMIC INSURANCE MODEL: STUDI KASUS SHARING CLAIM DI LAKA BICYCLE INSURANCE, LONDON Abdul Ghoni
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 4, No 01 (2020): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (570.88 KB) | DOI: 10.30868/ad.v4i01.754

Abstract

Pertumbuhan kontribusi premi asuransi syariah di Indonesia pada beberapa tahun terakhir sudah mulai mengalami penurunan dan titik jenuh, hal ini akan terus berlanjut sekiranya industri asuransi syariah tidak melakukan terobosan baru, Insurtech dan Skema model baru merupakan salah satu strategi yang dapat dilakukan untuk kembali meningkatkan pangsa pasar di Indonesia. Inovasi dan terobosan baru adalah di bidang insurtech, yaitu salah satu pengembangan teknologi di asuransi dengan skema dan model-model baru, salah satu model baru adalah sharing claim yang saat ini sudah mulai dijadikan salah satu alternatif model asuransi syariah di masa depan. Skema sharing claim ini merupakan konsep asuransi syariah berbasis komunitas dengan teknologi, sehingga nasabah dapat membayar premi dengan lebih murah. Tujuan penelitian ini adalah untuk menganalisis strategi pengembangan model claim sharing  dengan studi kasus Laka Bicycle Insurance di London. Penelitian ini menggunakan metode penelitian deskriptif analisis dengan pendekatan kualitatif. Kesimpulan penelitian ini adalah bahwa strategi pengembangan insurtech dan model claim sharing sangat berpotensi meningkatkan pangsa pasar asuransi syariah di Indonesia saat ini, seperti yang telah berhasil dijalankan oleh Laka Bicycle Insurance di London.
The Impact of Spin-off Policy on the Efficiency of Sharia Insurance in Indonesia using DEA approach Abdul Ghoni; Erny Arianty
Journal of Islamic Economics Lariba Vol. 7 No. 1 (2021)
Publisher : Department of Islamic Economics, Islamic University of Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol7.iss1.art5

Abstract

This study aims to determine the impact of the spin-off on the level of efficiency of Sharia insurance in Indonesia by using the Data Envelopment Analysis (DEA) method. This study uses data from companies that have undergone a spin-off, namely Jasindo Syariah and Askrida Syariah, both before the spin-off and after the spin-off. Input data are assets, operating expenses, while output data are profit and operating income for a period of 5 years each. From the results of data processing, it shows that the two companies experienced a decrease in their level of efficiency towards profits after spin-off, but the level of efficiency on income, for Sharia Jasindo are relatively stable, while the Sharia Askrida has decreased.
THE SPIN-OFF EFFECTIVENESS OF SHARIA INSURANCE IN INDONESIA: ANALYZING THE EFFICIENCY AND THE CRITERIA Erny Arianty; Abdul Ghoni
Jurnal Ekonomi dan Bisnis Islam | Journal of Islamic Economics and Business Vol. 8 No. 1 (2022): JANUARY-JUNE 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v8i1.31800

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This research aims to determine the effectiveness of the spin-off implementation in Indonesia by comparing the efficiency of the full-pledge sharia insurance industry with the Sharia Business Unit (SBU) and analyzing the spin-off criteria. The method used is the mixing method. The quantitative method-Data Envelopment Analysis (DEA) in measuring efficiency and descriptive qualitative by conducting interviews with informants from the insurance shariah industry, AASI, OJK, and BKF for spin-off criteria analysis. . The data used is the input data being assets, operating expenses, while the output data is profit and operating income. Efficiency on profit for SBU is higher than full-pledged companies. Efficiency on revenue is slightly different where the efficiency values of full-pledge companies are not entirely at the bottom. Related to spin-off criteria, the SBU industry has not achieved the number of tabarru funds and participant investment of 50% of the parent fund. Based on these facts, the effectiveness of the spin-off implementation has not been realized optimally. This is because the objectives of increasing efficiency and growing the number of industries have not been achieved. The factors that support the realization of effectiveness are leadership commitment, financial management strategies, professional human resources, the role of government and regulatory bodies
Strategi Bank Riau Kepri Syariah dalam Memanfaatkan Transaksi Rupiah Digital dan Blockchain Upaya Mewujudkan Pelayanan Prima Kepada Nasabah Zulkarnain Zulkarnain; Abdul Ghoni
SYNERGY: Jurnal Bisnis dan Manajemen Vol 5, No 1 (2025)
Publisher : Pelantar Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52364/synergy.v5i1.56

Abstract

The use of digital technology in the economic sector is currently experiencing very rapid development, not to mention the banking sector such as Bank Riau Kepri Syariah. The purpose of writing this article is to analyze the strategy implemented by Bank Riau Kepri Syariah in utilizing digital rupiah transactions and blockchain technology to improve excellent service to customers. This research uses the SWOT analysis method to identify strengths, weaknesses, opportunities and threats in the application of digital and blockchain technology in the sharia banking sector. The research results explain that BRK Syariah, in utilizing digital rupiah and block chain technology to improve the quality of excellent service to customers, is implementing a strategy designed to suit current needs, which is useful for developing BRK Syariah's service strategy in facing the challenges of the continuously developing digital banking industry