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All Journal Jurnal Manajemen Keuangan Syariah I-PHILANTHROPY: A Research Journal on Management of Zakat and Waqf
Muhammad Iqbal
UIN Raden FATAH Palembang
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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STRATEGI PENINGKATAN MUTU PELAYANAN PRODUK TABUNGAN HAJI PADA BANK PANIN DUBAI SYARIAH CABANG PALEMBANG Muhammad Iqbal
Manajemen Keuangan Syariah Vol. 2 No. 1 (2022): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (275.863 KB) | DOI: 10.30631/makesya.v2i1.1135

Abstract

This research stems from the problem of human resources related to Hajj savings products at one of the Islamic banks in Indonesia, namely Panin Dubai Syariah Bank with the object of research being carried out at the Palembang Branch Office. The problem formulated in this study is how the strategy of developing human resource performance in improving the quality of services for Hajj Savings Products at Panin Dubai Syariah Bank of Palembang Branch. The methodology used with this type of qualitative research. Data mining was carried out using 2 techniques, namely through interviewing informants and documentation. Research respondents were taken by purposive sampling, namely employees and customers of Panin Dubai Syariah Bank at Palembang Branch. The results of this study conclude that the existing performance development strategy at Paof nin Dubai Syariah Bank Palembang Branch includes internship programs, internal seminars (education), as well as education and training. The strategy for improving the quality of services includes cross selling, up selling, and role play. Meanwhile, the strategy to improve product quality includes a home service strategy and a strategy for assisting prospective pilgrims.
The Concept of Waqf in Sharia Insurance (Analysis Study of Life Insurance Participation in Financing Customers at Bank Sumsel Babel Sharia) Muhammad Iqbal
Jurnal I-Philanthropy Vol 1 No 1 (2021): I-PHILANTHROPY:A Research Journal On Management Of Zakat and Waqf
Publisher : Prodi Manajemen Zakat dan Wakaf Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/iphi.v1i1.9513

Abstract

The progress of the growth of the Islamic finance industry has shown significant results in recent years. Sharia insurance is one of the Islamic financial institutions whose development is quite significant following the direction of the development of Islamic banking institutions. Insurance as a sharia financial instrument that is engaged in guaranteeing community economic activities is one of the important instruments to maintain the existence of these economic activities. The substance of sharia-based insurance that can avoid the operational principles of gharar, maysir, and usury is one of the important issues in an effort to increase public interest in implementing sharia-based financial instruments. However, efforts are needed to encourage the growth of sharia insurance, one of which is by establishing cooperation with sharia banks related to guarantees in financing facilities. This is very important, considering that one of the risks of providing financing facilities to banks is the reduction or loss of the customer's ability to meet installment obligations, in other words there will be bad financing or in conventional bank terms known as bad loans. But the problem is, many understand that paying insurance premiums when you become a financing customer is an investment that can be enjoyed when the financing is paid off. Many still expect a return on premiums that have been paid at the beginning and taken at the end of the financing maturity. So this study aims to explain how the actual mechanism for financing customer to become participants in life insurance, is there really a concept of waqf inherent in the management of premium funds paid by customers, and what is the function of premium funds collected by insurance companies.
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