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All Journal Ilomata International Journal of Management Jurnal Ekonomi, Bisnis dan Manajemen
Annio Indah Lestari
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Social Sciences

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Pengaruh Komitmen Agama Dan Atribut Produk Islam Terhadap Kepercayaan Nasabah Menggunakan Jasa Lembaga Keuangan Syariah Sri Riska Ananda Lubis; Annio Indah Lestari; Nikmah Dalimunthe
Jurnal Ekonomi, Bisnis dan Manajemen Vol. 2 No. 4 (2023): Desember : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : FEB Universitas Maritim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/ebismen.v2i4.1397

Abstract

This research aims to find out and analyze how much influence religious commitment and Islamic product attributes have on customer trust in using the services of a case study sharia financial institution at Bank Sumut, Lubuk Pakam Syariah Sub Branch. This research uses a quantitative type of research with one dependent variable, namely customer trust and two independent variables, namely religious commitment and Islamic product attributes. This research uses primary data, using data collection methods through questionnaires. The data analysis techniques used in this research are descriptive tests, validity tests, reliability tests, classical assumption tests (normality test, multicollinearity test, heteroscedasticity test) and hypothesis tests (coefficient of determination test (R2), partial significance test (t-test) , simultaneous significance test (f-test) and multiple linear regression test)). The results of this research reveal that religious commitment has a positive and significant effect on customer confidence in using the services of sharia financial institutions based on test results which show that the coefficient table shows that the tcount value is greater than ttable, namely 19,245 > 1,666 with a probability value of 0.915 or smaller than 5 % (0.05). And Islamic product attributes have a positive and significant effect on customer trust based on test results which show that the coefficient table shows that the tcount value is greater than ttable, namely 6,125 > 1,666 with a probability value of 0.108, meaning it is smaller than 5% (0.05). Islamic product attributes and customer trust simultaneously have a positive and significant effect on customer trust. From the results of the F test with df(n1)=k-1=2 and df(n2)=n-k=32, it is obtained that Fcount is greater than the ttable value, namely 189.181 3.12 with a significance level of 0.000, it means it is smaller than 5% (0.05).
Analysis of the Cycle Selling Skill System in Increasing Sales of Health Insurance Products Khairani Putri; Annio Indah Lestari; Nurul Jannah
Ilomata International Journal of Management Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i3.1219

Abstract

In this context, the sale of health insurance products is an important factor for insurance companies to meet the needs of a growing market. Insurance companies need to develop effective sales skills. This research aims to provide a better understanding of the sales skills required in the health insurance industry, as well as to identify effective strategies and solutions in increasing sales of health insurance products. The research method used in this study is a qualitative approach. By relying on data collected from observations, interviews and documentation, the results of this study explain that the implementation of the cycle selling skill system at PT Chubb Life Insurance Indonesia Medan has provided positive results in increasing sales of health insurance products. However, this success requires continuous efforts in agent training, use of technology, and product innovation to face existing challenges and maximize sales opportunities, insurance agents can increase health insurance sales more effectively. The stages in this analysis help insurance agents understand the needs of potential customers, provide appropriate solutions, and handle objections that may arise.
Co-Authors Jannah, Nurul Khairani Putri Nikmah Dalimunthe Sri Riska Ananda Lubis