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Journal : IIJSE

Analysis of the Application of Utmost Good Faith Principles in Personal Accident Insurance Agreements (Case Study of PT Asuransi Askrida Syariah Medan Branch) Sari, Aida Malan; Nasution, Yenni Samri Juliati
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3641

Abstract

Personal accident insurance is protection against all risks suffered by a person resulting in death and accident to someone. One of the principles that is firmly held in insurance is the principle of utmost good faith. This principle means that a person is obliged to provide honest information about what is insured to the insurer and vice versa the insurer must also provide honest information to the insured. This study aims to determine the application of the principle of utmost good faith in the personal accident insurance agreement at PT. Asuransi Askrida Syariah Medan Branch. The method used in this study is a qualitative method by means of interviews and theoretical studies taken from scientific works, books, journals, and other reference materials. The results of this study show that in entering into an agreement, the principle of good faith (Utmost Good Faith) is the basic principle that must be fulfilled by the parties, where the parties must uphold honesty in providing important matters related to the insurance agreement.
Analysis of Community Socio-Economic Changes After Land Acquisition on the PT Sorik Marapi Geothermal Power Geothermal Project Maisyaroh, Tetti; Nasution, Yenni Samri Juliati; Syahriza, Rahmi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.4583

Abstract

The development of geothermal projects brings about social changes in the community environment. PT Sorik Marapi Geothermal Power's policy through the construction of this geothermal power plant also has a big impact on changes in the economic level of the local community. This research uses a qualitative research method, a phenomenological approach, trying to explain or reveal the meaning of existing concepts or experiential phenomena based on the awareness that occurs from several individuals. The results of this research show that PT Sorik Marapi Geothermal plays a big role in improving the local community's economy, including: helping the community by providing fish farming businesses, helping village income, providing scholarships to local sons/daughters, and building village infrastructure. Land acquisition for the PT Sorik Marapi Geothermal geothermal project has had an impact on the socio-economic aspects of the community, as they have lost agricultural land. However, the company provides compensation money to people who clear their land with double the profits, and no party is harmed. This is based on the basic value of Islamic economics, namely responsibility. The responsibility given by the company is to provide the greatest good (maslahah) to the community. There are two types of PT Sorik Marapi Geothermal Power, namely: First, the negative impacts that occur after land acquisition on the PT Sorik Marapi Geothermal Power geothermal project are as follows: agricultural land is decreasing, clean water supply is decreasing, noise around the project area, air pollution, the roofs of residents' houses being easily damaged, gas leaks due to company negligence, which caused fatalities. Second, the positive impact, the positive impact after land acquisition on the PT Sorik Marapi Geothermal Power geothermal project is as follows: progress in the area, increased regional income, and reduced poverty land acquisition, many people, especially in the Puncak Sorik Marapi sub-district, suddenly became rich, expanding roads around the geothermal project area and creating jobs for the surrounding community.
Co-Authors Aditya Gede Pratama AHMADI Aini, Rija Akmal Akmal Andri Soemitra Anjani, Dina Aqwa Naser Daulay Ardiansyah, Reza Restu Arifianti, Sari Maharani Arifin Fauzi Lubis Arismunandar, M. Fizdian Aritonang, Solahuddin Arnasyah, Indah Dwi Arnida Wahyuni Lubis Asmuni Asmuni Asra, M Rifki Atika Atika Aulia, Mahani Faiza Azhari Akmal Tarigan Aziva, Zahra Bambang Sugiharto Batubara, Khairul Faiz Budi Harianto, Budi Candra, Jeki Damanik, Nursapa Indah Damayanti, Putri Merry Dhian Rosalina, Dhian Erianto, Ridho Fahmi Fauzi Faizin, Mu'adil Fatika, Siti Fatimah Zahara Fazhillah, Audi Firdaus Firdaus Fitri Amalia Ghifari, Abu Dzar Al Habibi, Adnan Hanin, Haya Fadiyah Harahap, Ikhsan Harahap, Rahmat Daim Harahap, Sinta Lestari Harahap, Siti Tasya Zulaikha Harahap, Suci Ardilla Ramadhani Hasrimy, Nabila Felicia Hasugian, Hotbin Hendra Harmain Hilmi, Hafizh Husna, Rifdah Nur ilham khairi, ilham Indradewa, Rhian Jambak, Arya Neta Adinda Juliana Nasution K, Kamilah Karo Karo, Robby Adriano Khairil Ihsan Kusmilawaty, Kusmilawaty Laila Maisaroh Laylan Syafina Lubis, Armida Wahyuni Lubis, Muhammad Alpansyah Lubis, Muhammad Arif Fadhillah Lubis, Nurul Rafiqoh Lubis, Septiana Sara M. Iqbal Maisyaroh, Tetti Manik, Azizah Zaniana Marbun, Astri Novia Marliyah, Marliyah Martua Hsb, Rahmat Meliala, Endah Sabrina Br. Meutia Dewi, Meutia Miranty, Fadilla Muhammad Andi Prayogi Muhammad Fikri Muhammad Ilham Muhammad Lathief Ilhamy Nasution Muhammad Ramadhan Muhammad Syahbudi Muhammad Syukri Albani Nasution Muhammad Trinanda Muhammad Yafiz, Muhammad Muliani, Siska Munthe, Yusromuin Musfirah, Aisyah Fithri Mutiara, Mutiara Manalu Mutthaqin, Muhammad Satrya Nabila, Fatya Nasution, Annio Indah Lestari Nasution, Juliana Nasution, M. Lathief Ilhamy Nasution, Riska Amelia Nayla Hadisti Nazli, Putri Ningtias, Sinar Ayu Novia, Raisyah Arta Nst, Aida Ulviani Nur Fadhilah Ahmad Hasibuan Nur, Dara Lutfiah Nur, Mukhlish Muhammad Nurfi, Indah Nurhasanah, Upik Nurhayati Nurhayati Nurhudawi, Nurhudawi Nurlaila Nurlaila Nurma Ningsih, Sri Wahyuni Nursantri Yanti Nurul Inayah Nurul Jannah Nurwani Nurwani Nurwani, Nurwani Osman Ali Pakpahan, Elpianti Sahara Pane, Aulia Ramadani Parikesit, Wuri Pasaribu, Siti Nuridah Pase, Fahreza Akbar Prayoga, Rizky Ananda Purba, Elsa Pinika Putri Putri, Hanifah Restu Putri, Tasya Alya Rahma Fitria Rahmah, Nuzulliah Rahmani, Nur Ahmadi Bi Rahmi Syahriza Rahmi Syahriza, Rahmi Ramadhan, Dony Tri Rambe, Meisyah Rangkuty, Fathia Mawaddah Ritonga, Mirwansyah Ritonga, Wardoni Hikman Rohmadi Rohmadi Rozika, Aura Tania Sagala, Putri Wulandini Salwa, Fany Saparuddin Siregar Saragih, Siti Ramadhani Sari Wahyuni Sari, Aida Malan Sari, Khasnita Selly Septiani Setriani, Eva Nur Shifah, Layyinatus Sirait, Frida Yanti Siregar , Saparuddin Siregar, Erry Zulkifly Siregar, Lukman Hakim Siregar, Mufti Al Mumtaz Siregar, Nabilah Hannani Siregar, Pani Akhiruddin Siregar, Retnawati Siti Asiam Sitio, Ayu Lestari Situmorang, Harudini Nizar Suhardiman Suhardiman Sultoni, Ahmad Alauddin Syahfitri , Ananda Syakir, Ahmad Syamsiar, Syamsiar Tambunan, Khairina Tanjung, Ayu Wulandari S. Tuti Anggraini Ujung, Siti Khoiriyah Karina Venny Fraya Hartin Nst Wahyu Syarvina Wandasari, Dila Windari, Fitri Yuannisa, Rizka Adlia Yunisa, Widya Yunus, Hesty Ananta Yusrizal Yusrizal Zain, R. Dedy Chairil Zainur, Zainur Zakia, Maulida Ummi Zannah, Izzatul Zulferry, Diva Mumtazah Putri