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Analisis Peran Dewan Pengawas Syariah (DPS) dalam Mengawasi Perusahaan Asuransi Syariah Siti Khoiriyah Karina Ujung; Zainarti Zainarti
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 3 No. 1 (2025): Februari: Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v3i1.2054

Abstract

The function of the Sharia Supervisory Board (DPS) in overseeing Indonesian sharia insurance providers is examined in this study. This study examines how DPS fulfills its responsibilities to guarantee adherence to sharia principles in insurance operations and products using qualitative approaches based on a review of the literature. As a supervisor and advisor in sharia financial institutions, DPS is crucial. However, because of a lack of expertise in the sharia insurance industry and a shortage of human resources, DPS performance is still subpar, according to this study. The analysis's findings highlight how crucial it is to improve DPS's role and capabilities through pertinent education and training in order to boost the effectiveness of sharia supervision in the insurance industry.
Analisis Pemahaman dan Kepatuhan terhadap Prinsip Syariah dalam Proses Klaim Asuransi Syariah Riri Dwita Putri; Zainarti Zainarti
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 3 No. 1 (2025): Februari: Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v3i1.2083

Abstract

This study aims to analyze participants’ understanding and compliance with sharia principles in the sharia insurance claim process in Indonesia. Sharia insurance, which is based on the principle of mutual assistance and tabarru’ contract, is expected to provide protection in accordance with Islamic law. However, challenges arise in its operational practices, especially in the claim process. This study uses a qualitative approach by interviewing sharia insurance participants to explore their level of understanding of sharia principles, claim procedures, and challenges faced during the claim process. The results of the study indicate that participants’ understanding of sharia principles is still limited, which has an impact on their lack of clarity in undergoing the claim procedure. Some of the main challenges identified include administrative constraints, long claim processing times, and unclear claim procedures. Lack of understanding of sharia principles also worsens the smoothness of claims. Based on these findings, this study suggests the importance of increasing sharia literacy through training, seminars, and educational materials that are easy for participants to understand. In addition, simplification of claim procedures is needed to increase transparency and ensure that the claim process is in accordance with sharia principles. The implication of this study is the importance of improvements in the education system and operations of sharia insurance to improve participant understanding and compliance, as well as strengthen trust in the sharia insurance industry in Indonesia.
Strategi Reward dan Punishment dalam Meningkatkan Motivasi dan Kinerja Agen di PT Asuransi Jiwa Sequis Life Cabang Medan Nurul Afida; Zainarti Zainarti
Jurnal Manajemen dan Pendidikan Agama Islam Vol. 3 No. 2 (2025): Jurnal Manajemen dan Pendidikan Agama Islam
Publisher : Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jmpai.v3i2.1013

Abstract

This article aims to analyze the strategies of reward and punishment in enhancing the motivation and performance of agents at PT Asuransi Jiwa Sequis Life Medan Branch. This study employs a quantitative approach with a survey method. Data were collected through questionnaires distributed to 50 insurance agents working at the Medan branch. Data analysis was conducted using descriptive and inferential statistics. The findings indicate that the reward strategies implemented by the company, such as recognition and bonuses, positively impact the improvement of agents' motivation and performance. On the other hand, the application of punishment strategies, such as sanctions or incentive reductions, has also proven effective in improving discipline and performance. Overall, the combination of reward and punishment strategies significantly enhances the motivation and performance of agents at PT Asuransi Jiwa Sequis Life Medan Branch.
Analisis Praktik Manajemen Kinerja Dalam Meningkatkan Kepuasan Pelanggan Pada Perusahaan Asuransi Syariah Dwiki Wardana Syah; Zainarti Zainarti
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 1 (2025): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i1.3494

Abstract

This study aims to analyze performance management practices in enhancing customer satisfaction in Sharia insurance companies. The research employs a descriptive qualitative approach, with data collected through in-depth interviews, direct observations, and document analysis. The findings reveal that implementing performance management based on Sharia values, such as transparency, fairness, and optimal service, significantly contributes to improving customer satisfaction. Strategies involving periodic performance evaluations, employee training, and proactive resolution of complaints have strengthened customer trust in the services provided. This study concludes that the integration of Sharia principles with effective performance management practices can be a key factor in achieving customer satisfaction in the Sharia insurance sector.
PENERAPAN PRINSIP TA’AWUN DALAM PRAKTIK ASURANSI SYARIAH DI INDONESIA Jumriani Siregar; Zainarti Zainarti
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 1 (2025): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i1.3526

Abstract

Penelitian ini mengkaji penerapan prinsip ta'awun dalam praktik asuransi syariah di Indonesia. Asuransi syariah merupakan solusi perlindungan risiko yang tidak sekadar instrumen finansial, melainkan manifestasi nilai-nilai Islam seperti keadilan, kejujuran, dan keberkahan. Melalui metode penelitian kualitatif dengan pendekatan literature review, penelitian ini mendalami implementasi prinsip ta'awun dalam sistem operasional asuransi syariah. Fokus utama adalah menganalisis mekanisme dana tabarru', peran prinsip dalam membangun kepercayaan masyarakat, serta tantangan yang dihadapi. Hasil penelitian menunjukkan bahwa meskipun menghadapi kendala literasi dan kompleksitas mekanisme, prinsip ta'awun tetap menjadi kekuatan pembeda asuransi syariah, mewujudkan solidaritas sosial dalam konteks perlindungan risiko di era modern.
Implementasi Manajemen Kinerja Dalam Meningkatkan Efektivitas Pelayanan Publik Dikantor Desa Hutagodang Kec. Sungai Kanan Kabupaten Labuhanbatu Selatan Sumatera Utara Deni Irawan; Zainarti Zainarti
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 1 (2025): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i1.3734

Abstract

This study aims to analyze the implementation of effective performance management in increasing productivity and motivation in government agencies. In particular, the implementation of performance management at the Hutagodang Village Office, Sungai Kanan District, South Labuhanbatu Regency, North Sumatra is a strategic step to increase the effectiveness of employee work and public services. This study aims to analyze the performance management system implemented, as well as the factors that affect its success. Drawing on regulatory frameworks such as the Government Agency Performance Accountability System (SAKIP), the study highlights the importance of clear performance planning, systematic measurement and evaluation, and a supportive organizational culture.However, challenges such as lack of internal communication, limited human resources, and problems with facilities and infrastructure are still obstacles in the implementation of this system. The results of the study show that improvement efforts in these aspects can significantly improve employee performance, thereby contributing to improving the quality of public services at the Hutagodang Village Office, Sungai Kanan District, South Labuhanbatu Regency, North Sumatra Thus, effective performance management can be an important tool in achieving better government goals and being responsive to the needs of the community.
PERKEMBANGAN DAN POTENSI ASURANSI SYARIAH DI INDONESIA Zainarti Zainarti; Husnul Khotima
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 2 (2025): Februari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i2.3780

Abstract

Studi ini mengkaji evolusi dan prospek asuransi syariah (Takaful) di Indonesia. Sebagai negara dengan populasi Muslim tertinggi di dunia, Indonesia menyaksikan peningkatan kesadaran dan permintaan terhadap layanan keuangan yang mematuhi prinsip-prinsip syariah, termasuk asuransi syariah. Bidang ini menghadirkan keunggulan tersendiri seperti hasil dan larangan riba, selaras dengan ajaran Islam. Meskipun pertumbuhannya konsisten, namun masih terdapat kendala seperti terbatasnya pengetahuan masyarakat, kurangnya sumber daya manusia, dan lambatnya integrasi pasar. Namun demikian, dukungan dari pemerintah, kerangka peraturan, dan inisiatif kolaboratif antar pemangku kepentingan memberikan peluang untuk kemajuan lebih lanjut.
PERAN ASURANSI SYARIAH PADA PEREKONOMIAN INDONESIA Panisa Panisa; Zainarti Zainarti
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 2 (2025): Februari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i2.3791

Abstract

Asuransi syariah merupakan instrumen penting untuk mendukung pertumbuhan ekonomi Indonesia. Analisis literatur dan teknik kualitatif digunakan dalam penelitian ini untuk menyelidiki peran asuransi syariah terhadap ekspansi ekonomi. Berdasarkan temuan penelitian, asuransi syariah mendorong stabilitas perekonomian. manajemen risiko keuangan, dan investasi, khususnya di sektor usaha kecil dan menengah (UMKM). Asuransi syariah meningkatkan kepercayaan masyarakat terhadap sistem keuangan berbasis syariah dengan berpegang pada prinsip-prinsip syariah seperti tabarru' dan ta'awun. Selain itu, investasi jangka panjang melalui asuransi syariah juga berdampak positif terhadap pembangunan infrastruktur nasional. Pendidikan dan peraturan yang lebih baik diperlukan untuk mengatasi permasalahan seperti pertumbuhan aset yang melambat dan kontribusi yang masih rendah jika dibandingkan dengan asuransi tradisional. Kesimpulannya, asuransi syariah memiliki banyak potensi untuk membantu Indonesia mencapai kesejahteraan ekonomi yang adil dan berjangka panjang.
DAMPAK PELATIHAN DAN PENGEMBANGAN TERHADAP MANAJEMEN KINERJA GURU DI SEKTOR PENDIDIKAN Elna Sari Nasution; Zainarti Zainarti
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 2 (2025): Februari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i2.3799

Abstract

This study aims to analyze the impact of training and development on teacher performance in the education sector, focusing on the implementation of effective performance management. The research method used is descriptive qualitative. The results of the study indicate that the implementation of good performance management contributes significantly to improving teacher performance, work motivation, and teacher satisfaction. In addition, there is a positive relationship between the quality of teacher teaching and student learning outcomes. Improved communication and cooperation between teachers are also observed, creating a collaborative culture that supports professional development. This study concludes that investment in teacher training and development is essential to improving the overall quality of education. Recommendations are given to strengthen the performance of the management system in order to achieve better education goals in the future.
LANDASAN HUKUM DAN PRINSIP-PRINSIP ASURANSI SYARIAH DI INDONESIA Dara Nabila; Zainarti Zainarti
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 2 (2025): Februari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i2.3801

Abstract

Sharia insurance is a type of financial institution that functions in accordance with Islamic sharia, which upholds the concept of mutual protection (takaful) and mutual assistance (ta'awun). This thinking is regulated in Indonesian laws and regulations, including DSN-MUI Fatwa No. 21/DSN-MUI/X/2001, and is based on the teachings of the Koran, hadith, ijma, and ulama fatwas. Its guiding principles include mutual protection, cooperation in virtue, and avoiding aspects of riba, gharar (uncertainty), maisir (gambling), and activities that violate sharia. Islamic insurance offers Muslims a way to fulfill their risk protection requirements in line with Islamic principles, according to this research, which combines descriptive techniques with literature review methods. Sharia insurance builds a transparent and socially responsible financial system through the application of fair principles and a strong legal basis.
Co-Authors Abdul rahmad rayadi Ade Fahdiya Syakhilah Adelia Natasya Adisty Anggraini Adisty Aulia Zahra Afiyah Dwi Astri Afni Haryanti Harahap Ahmad Habib Pinim Aida Malan Sari Al Ramzy Amanda Mutiara Hasibuan Angger Gumilang Sugiarto Anisah Cyntia Dewi Pratama Annisa Febrianda Ardhinur Ardhinur Arif Hidayat Lubis Arofiani Mutmainah Asnawi Asnawi Asshifa Nazila Aridzki Aulia Syahfitri Ayu Ashara Harahap Ayunda Syapa Azra Bastanta Sinulingga Bayu Prabowo Chairun Nisa Panjaiatan Dara Nabila Dea Amanda Putri Dede Endrico Deni Irawan Devia Astry Khairani Dina Aulia Dina Cheetah Khairiyah Dina Wenika Ditia Azzahra Aswin Tanjung Dwiki Wardana Syah Ella Safitri Elna Sari Nasution Elvira Andriyani Elya Ramadhani Tambunan Fachry Abda El Rahman Fauzi Ahmad Romadhon Febri Khairani Harahap Febrianti Shakira Fiqkri Ardian Fitriyani Dalimunthe Gandhi Sulaiman Sitompul Gladis Jelita Habibah Ramadhani Nasution Hastiani Nasution Hasyim Sarwani Tanjung Husnul Khotima Imel Santika Irgi Iqbal Irna Ardilla Ismu Hadi Siregar Istiaza Azra Jumriani Siregar Khairrul Azzahri Khoirunnida Ritonga Leni Shofiyani Luthfi Hafiz Luthfia Sabrina M. Hizbullah Hasibuan M. Rafiq Efrianda Hutabarat Maysa Chairani Mey Yunanda MIFTAHUL JANNAH Miratul Imaniah Muhammad Alwi Hasibuan Muhammad Bima Nugraha Muhammad Choir Rivaldi Muhammad Faisal Alfarisyi Muhammad Fauzan Muhammad Fauzan Effendi Muhammad Hafizhan Fakhri Muhammad Imam Chairuddin Harahap Muhammad Iqbal Muhammad Nasir Muhammad Zieo Addefrid Putra Muhammad Zikri Alshaufi Muhammad Zikrullah Mulia Syahputri Nabila Iskandar Nada Sausan Adha Fili Nadia Zahra Hasibuan Naia fingkani solin Nasution, Annio Indah Lestari Naylatussalwa Makarim Nisya Aulia Noni Artiya Syahputri Novita Sari Nur Widya Ningsih Nuraisah Nuraisah Nurbaiti Rizki Kabeakan Nurhidayah Nurhidayah Nurjannah Nurjannah Nurul Afida Padila Putri Panisa Panisa Popi Dea Ananda Pratiwi Ayu Ningtyas Putra Yusuf Abror Rafly Aditya Sambo Rania Atika Putri Restu Agung Syahputra Ridho Maulana Kombih Riri Dwita Putri Riski Nita Maulina Putri Tambak Salsabila Sofiya Wardani Sarah Febrian Septia Sakinah Rizki Utama Septian Dwi Cahya Servina Rahayu Shella Gustianda Siska Aliya Damayanti Siska Permata Sari Harahap Siti Khairani Siti Khoiriyah Karina Ujung Siti Nurhaliza Sri Putri Wahyundari Sucita Saskya Piliang Syafira Okta Vionna Wirya Syahfitri Ronauli Daulay Tasya Fadilah Thasya Virdinia Wahid Luthfi Hakim Wahyudin Wahyudin Widya Anggraini Yauma Afriyanti Yeni Aprilinda Lubis Yogi Agung Pradana Yulia Febrianti Yulita Adelia Yusril Mahendra zuhdi, Muhammad Farhan Zuhdi Zulfahri Salim