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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Mirai Management Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Innovative: Journal Of Social Science Research
Yusrizal Yusrizal
Universitas Islam Negeri Sumatera Utara
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Claim Payment Administration Procedure At PT. Prudential Life Assurance Binjai Branch Sallimah Ika Putri Malau; Yusrizal Yusrizal
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.583

Abstract

Administrative procedures for payment of life insurance claims to the insured at PT. Prudential Life Assurance Binjai Branch. Every decision made by humans is full of risks. The problem studied is how the administrative procedures for payment of life insurance claims and what obstacles are faced in the payment of life insurance claims at PT. Prudential Life Assurance Binjai Branch. The research method used is the empirical legal research method. The sources of data in this study are primary data obtained directly from field research in the form of statements or interviews from related parties in this study while secondary data comes from library research through legislation, literature, books and official documents. From the results of this study it was concluded that the implementation of life insurance claim payments is contained in standard life administration operating procedures, claims are accepted if the documents and claim forms submitted are complete and the obstacles that are often encountered in submitting life insurance claims are documents, forms and identities that do not match and taking too long to file a claim.
Analysis of the Insurance Claim Settlement Mechanism of PT. Pru Syariah Binjai Achievement Ella Sri Wahyu Ningsih; Yusrizal Yusrizal
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.584

Abstract

PT Pru Syariah Prestasi Binjai provides protection for the insured along with very long term investments that carry high risks. This is because in addition to the life insurance company as the insurer, there are risks that come from investments that are sensitive to the global crisis that cannot be ascertained when it will occur. This research is focused on the benefits and mechanisms of prudential insurance. The research method uses empirical normative, with descriptive research type. The approach to the problem in this research is a non-judicial case study approach, namely the study approach at PT Prudential Life Assurance in Binjai City by examining the implementation of life insurance agreements. The results showed that the prudential insurance claim mechanism went through the process specified in the policy and the claims section had been prepared. The Insured is required to fill out all the prescribed claim forms. If the insured has an accident/illness, prepare supporting documents (original receipts, medical records, laboratory results, police reports). Furthermore, in the event of death, the heirs submit a claim doctor's certificate/hospital and the company will validate all documents and the investment results. Then the funds are transferred to the account of the insured or the related heirs.
Ethics of Prudential Insurance Agents in Marketing Life Insurance Products Anjali Marwiyah Siregar; Yusrizal Yusrizal
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.585

Abstract

The purpose of this study is to find out how the ethics of Prudential insurance agents in marketing life insurance products at PT. Prudential Life Assurance Binjai Branch. The type of research used is descriptive using a qualitative approach. Based on the results of research and analysis that has been carried out, it can be seen that the ethics of the insurance agent Prudential Binjai branch in marketing the product there is no special training from the company about sharia insurance, but the agents are given several requirements and strengthened by the agent code of ethics from Prudential in the form of a guide book. Life insurance product marketing strategy at PT. The Prudential Life Assurance of the Binjai Branch according to Islamic economics has not been running well in accordance with the principles of Islamic Economics because there have been several violations, ranging from agency recruitment to the system that the company pays little attention to.
Factors Affecting Interest in Becoming a Sharia Insurance Participant (Study of Sharia Insurance Participants at Prudential Binjai Branch) Arpin Dalimunthe; Yusrizal Yusrizal
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.589

Abstract

This research was made because of the increasing number of sharia insurance because sharia insurance is an effort to protect and help each other between a number of people or parties through investments in the form of assets that provide a pattern of return to face certain risks through contracts (commitments) that are in accordance with sharia. The results of the research conducted were descriptive qualitative research and used primary and secondary data. The writing method used by the author is a literature review. The literature review method is a method used to describe a finding or theory as material for further research that is obtained and used as reference material. The results obtained are the factors that influence the public's interest in becoming a participant in Sharia insurance at Prudential's Binjai branch.
Analisis Proses Pengajuan Klaim Nilai Tunai Penuh Melalui Sistem Asuransi Syariah pada PT Asuransi Jiwa Syariah Bumiputera Cabang Medan Sri Aderafika Sani; Yusrizal Yusrizal
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 2 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1178.761 KB) | DOI: 10.47467/alkharaj.v5i2.1365

Abstract

PT Asuransi Jiwa Syariah Bumiputera is one of the companies engaged in insurance by adhering to sharia principles. Claiming is the process of asking for guarantees or rights for losses suffered by the insured to the insurance company. This reseaarch is a research wiith qualitative method. The purposse of thiis study is to explaine how the procedure for submitting Full Cash Value at PT Asuransi Jiwa Syariah Bumiputera Medan Branch. From the result’s of the study, it is known thaat the procedure for submitting Full Cash Value at PT Asuransi Jiwa Syariah Bumiputera is quite simple, if the customer who submits a claim has submitted a complete claim application and submitted the documents required by PT Asuransi Jiwa Syariah Bumiputera, the claim will be approved. PT Asuransi Jiwa Syariah Bumiputera Medan Branc already has an informatiion system to manages data and transaction for submitting existing Full Cash Value Claims. However, the implementation is efficient, because there are still submissions made manually and using the media. Keywords: Application Process, Claim, Insurance
Strategi Promosi Produk Asuransi Jiwadi PT Prudential Syariah Cabang Binjai Sakinah Sakinah; Yusrizal Yusrizal
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 11 No 1 (2023)
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v11i1.3335

Abstract

Business competition in today's modern era is increasing and also fierce, where every company is required to carry out attractive promotional strategies in order to get and attract customers. In this case, researchers are interested in researching sharia insurance products, namely life insurance. Which is where the purpose of this study is to find out what promotional strategies can be used by companies to attract customers. Because promotion is very necessary for the company because on the one hand it convinces consumers of the products offered, while on the other hand it determines the success of the company in facing competition in the market. In the context of business competition, each company makes maximum efforts to implement marketing strategies in order to increase product sales and maintain its name and market share.
Analisis Persepsi Pelayanan BPJS Ketenagakerjaan Di Tanjung Morawa Nurdiana Nurdiana; Yusrizal Yusrizal
Innovative: Journal Of Social Science Research Vol. 3 No. 2 (2023): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v3i2.1607

Abstract

Penelitian ini bertujuan untuk mengetahui persepsi kyalitas pelayanan BPJS Ketenagakerjaan di Tanjung Morawa dan untuk melihat bagaimana peran BPJS Ketenagakerjaan terhadap tenaga kerja. Penelitian ini merupakan penelitian deskriptif kualitatif. Penelitian ini menggunakan tipe data kualitatif dengan sumber data primer dan data sekunder. Teknik pengumpulan data adalah observasi, wawancara dan dokumentasi. Teknik analisis data menggunakan reduksi data, penyajian data dan verifikasi. Hasil penelitian menunjukkan bahwa Kualitas pelayanan di Badan Penyelenggara Jaminan Sosial (BPJS) Ketenagakerjaan di kantor cabang Tanjung Morawa menggunakan lima indikator sebagai tolak ukur kualitas pelayanan, yaitu: Reliability (Kehandalan), Responsivenes (Daya Tangkap), Assurance (Jaminan), Tangibles (Bukti Langsung), dan Attention (Perhatian). Peran BPJS (Badan Penyelenggara Jaminan Sosial) Ketenagakerjaan terhadap peningkatan kesejahteraan tenaga kerja dengan melaksanakan program jaminan sosial yang meliputi JKK (Jaminan Kecelakaan Kerja), JHT (Jaminan Hari Tua), JKM (Jaminan Kematian), JKP (Jaminan Kehilangan Pekerjaan), dan JP (Jaminan Pensiun).
Analisis Strategi Agent Dalam Mempertahankan Loyalitas Nasabah di PT. Prudential Syariah Cabang Binjai Ali Rahman; Yusrizal Yusrizal
Jurnal Mirai Management Vol 8, No 2 (2023)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v8i2.5573

Abstract

Asuransi merupakan salah satu acuan untuk memenuhi kebutuhan dan perasaanaman dalam menghadapi ketidakpastian yang mungkin timbul dalam kehidupan masyarakat serta risiko yang akan dialami oleh perusahaan. Asuransi merupakan salah satu sarana finansial (keuangan) kehidupan rumah tangga, baik dalam menghadapi risiko kematian maupun dalam menghadapi risiko harta benda.Penelitian ini bertujuan untuk mengetahui bagaimana strategi yang dilakukan agen dalam mempertahankan loyalitas nasabah di PT Prudential Syariah Cabang Binjai. Dalam hal ini untuk mengungkapkan persoalan secara mendalam dan menyeluruh, metode penelitian menggunakan metode kualitatif dengan teknik pengumpulan data primer berupa observasi,wawancara dan data sekunder berupa artikel-artikel,jurnal,dan media online. Kemudian data tersebut diuraikan,dianalisis dan dibahas untuk menjawab permasalahan yang diajukan. Dari hasil penelitian strategi mempertahankan loyalitas nasabah yang dilakukan agen adalah memperkuat strategi pemasaran dimana strategi pemasaran dilakukan agen yaitu personal selling(penjualan pribadi) dimana metode personal selling dalam memasarkan produkmya harus memilih dan menilai prospek, melakukan pendekatan, prestasi,mengatasi keberatan, dan penutup. Strategi lain yang dilakukan agen adalah dengan mendapatkan kepercayaan dari nasabah, jika nasabah sudah percaya dia akan mempertahankan loyalitas pada asuransi, dan agen menjaga komunikasi dan hubungan yang baik terhadap nasabah. Dan strategi lain dalam mempertahankan loyalitas agen harus aktif dan bertanggung jawab dan mendalami ke 6 peran sebagai agen yaitu sebagai inisiator, sebagai konektor, sebagai komunikator, sebagai motivator, sebagai edukator dan sebagai adminisator. Kata Kunci: Strategi Mempertahankan Nasabah,Agen,Loyalitas Nasabah
Pengaruh Core Self Evaluation, Emotional Intelligence, Dan Personal Resources Terhadap Employee Job Satisfaction Pada Bank Muamalat Kc Medan Balaikota Risma Warti; Yusrizal Yusrizal; Khairina Tambunan
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 4 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i4.1538

Abstract

Kerja karyawan mempunyai peran yang sangat penting dalam menunjang aktivitas perusahaan. Hal tersebut disebabkan karena jika setiap karyawan melakukan kerjanya dengan baik maka aktivitas usaha yang dijalankan akan berkembang lebih baik dari sebelumnya. Kepuasan kerja merupakan hal penting yang harus diperhatikan perusahaan, karena semakin karyawan merasakan kepuasan dalam bekerja maka akan semakin baik pula kualitas pekerjaan yang dihasilkan. Jenis penelitian yang digunakan ialah penelitian kuantitatif. Data primer yang digunakan dikumpulkan melalui penyebaran kuesioner kepada staff karyawan Bank Muamalat KC Medan Balaikota sebanyak 35 karyawan. Data yang sudah terkumpul kemudian dilakukan pengujian instrument data dan uji asumsi klasik serta diolah menggunakan teknis analisis regresi linier berganda dengan menggunakan SPSS versi 22 sebagai alat bantu analisis. Penelitian ini bertujuan untuk meneliti dan mengkaji pengaruh core self evaluation, emotional intelligence, dan personal resources terhadap employee job satisfaction. Hasil penelitian menunjukkan bahwa core self evaluation tidak berpengaruh dan tidak signifikan terhadap employee job satisfaction pada Bank Muamalat KC Medan Balaikota, sedangkan emotional intelligence berpengaruh positif dan signifikan terhadap employee job satisfaction pada Bank Muamlat KC Medan Balai Kota, dan personal resources berpengaruh positif dan signifikan terhadap employee job satisfaction pada Bank Muamalat KC Medan Balaikota.
Co-Authors Ali Rahman Anjali Marwiyah Siregar Arpin Dalimunthe Ella Sri Wahyu Ningsih Febby Ayu Syahputri Gurning Muhammad Andre Alkahfi Nurdiana Nurdiana Rima Rizki Syahputri Risma Warti Sakinah Sakinah Sallimah Ika Putri Malau Sri Aderafika Sani Tambunan, Khairina Vega Liana