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Journal : Journal La Sociale

The Effect of Service Quality, Insurance Costs, and Installment Size on Customer Satisfaction Multi-Purpose Financing: Case Study at Bank Sumut Syariah Padangsidimpuan Afriani, Lilia; Syahriza, Rahmi; Harianto, Budi
Journal La Sociale Vol. 5 No. 4 (2024): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v5i4.1213

Abstract

This research aims to analyze the influence of service quality on customer satisfaction, the influence of insurance costs on customer satisfaction and the size of installments on customer satisfaction for multi-purpose financing at the Sumut Syariah Bank, Padangsidimpuan Branch. This research uses primary data by distributing questionnaires to multi-purpose financing customers. The population of this research is all multi-purpose financing customers with a total of 862 people. The sample used in this research was 90 respondents. The validity test uses the Pearson Product Moment correlation test, while the reliability test uses Cronbach alpha. Classic assumption tests include normality tests, multicollinearity tests, heteroscedasticity tests and autocorrelation tests. Hypothesis testing in this study used multiple linear regression analysis. The research results state that service quality and insurance costs partially have a positive and significant effect on customer satisfaction. This means that the higher the quality of service provided will increase customer satisfaction, and the suitability of the insurance costs provided with the benefits obtained by the customer will provide a level of customer satisfaction. Meanwhile, the installment amount does not have a significant effect on customer satisfaction, this is because previously the installment amount had been analyzed using scoring analysis which had an influence on the installment amount.
Analysis of Assalam Family Product Elements in the Implementation of Tabarru' Fund Management: A Case Study on PT. AJS Bumiputera, Medan Branch Ritonga, Ainun Jakia; Indra, Ahmad Perdana; Harianto, Budi
Journal La Sociale Vol. 5 No. 5 (2024): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v5i5.1360

Abstract

Insurance is a form of financial protection that provides a guarantee of payment or benefit in the face of certain risks or losses. If the unexpected risk befalls one of the participants, the loss will be borne together. The purpose of this study is to analyze and describe the elements of Assalam Family products in the context of the implementation of tabarru' fund management at PT. Bumiputera Sharia Life Insurance Medan Branch. This study uses a type of field research, with qualitative research methods, exploring data through interviews, observations, and document analysis. The results of the research obtained are that the Assalam Family Product Element uses the tabarru' contract as the basis for its implementation. The process involves two procedures, namely requesting an Assalam Family sharia life insurance policy and submitting a claim. Tabarru' funds are managed by separating participants' contributions into two separate accounts, participant savings accounts (saving system) and tabarru' accounts (non-saving system). The investment proceeds are divided 70% for participants and 30% for the company, with a risk management commitment of 50% of the contribution. The allocation of funds is invested in sharia stocks and bonds according to sharia principles. If the tabarru' funds run out, the qardh funds are used to overcome the inadequacy, which is taken from the central Bumiputera which is realized to the branches that lack funds to pay compensation or claims submitted by participants.
Co-Authors AA Sudharmawan, AA Adenan Adenan, Adenan Afifah, Fika Nur Aghni Afriani, Lilia Ahmad Nurcholis Ahmad Sumantri - Ali Hanafiyah Rambe, Ali Hanafiyah Andri Soemitra Andrian Syaputra Anwar Syahputra, Syofyan Aprilia, Nadia Aqwa Naser Daulay Ardiani, Seli Muna Arifuddin, Nur Azzahra, Alivia Biqi Asshafah Zain Bunda, Yola Permata Erlina Erlina Esti Rahayu Fadhila Rahma, Tri Inda Fahmi, Muhammad Ikhwan Fani, Mukhammad As Alukal Huda Mei Hamdi, Syaibatul Hapzi Ali Hendrawan, Yoni Herri Trisna Frianto, Herri Trisna Hidayatullah, Syaikhu Ihsan Ila Nasution Indra, Ahmad Perdana Intan Zarina binti Raja Zaki Hashim, Raja Irawan, Ryan Isra Hayati Katimin, Katimin Kumala, Rahima Lestari, Arini Lubis, Amyra Zhahra M. Yogi Riyantama Isjoni Maidalena Maidalena, Maidalena MAKSUM PINEM Meidi Wani Lestari, Meidi Wani Meliyani Muhajir, As'aril Muhammad Arif Muhammad Fadlan Siregar Muliza Muliza, Muliza Mustapa  Khamal  Rokan Nafis, Fauzan Nasution , Muhammad Lathief Ilhamy Nasution , Yenni Samri Juliati Nasution, M. Cholis Pandapotan Nurhasanah, Upik Nuri Aslami Nursantri Yanti Nurul Jannah Nurul Syalafiyah Putera, Faga Pandunata Putri, Dwita Agustina Rahmi Syahriza, Rahmi Ritonga, Ainun Jakia Ritonga, Nurul Amelia Pratiwi Romi Nasution, Muhammad Rubiyah Yusof, Rubiyah Sarah Sabila, Sarah Sastika, Mila Shinta, Jeesica Sirad, Mochamad Chobir Sirait, Hikman Siregar, Anri Akta Perdana Siregar, Jainuddin Parlindungan Subandi Subandi Sumardi Efendi Syafril Syafril Syahputra, Syofyan Anwar Syahriza, Rami Timbul, Timbul Trisna Frianto, Herri Tuti Anggraini YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI