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All Journal JURNAL AKADEMIK EKONOMI DAN MANAJEMEN
Aura Tafana
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ETIKA BISNIS ISLAM Aura Tafana; Bayu Andika; Fahira Rizka Olivia Mahyu; Feby Nurhalizah Siregar
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2024): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v1i4.3213

Abstract

Islamic Business Ethics is an important foundation in carrying out economic activities in accordance with Islamic teachings. In a business context, ethics not only includes compliance with sharia law, but also moral values that uphold justice, social responsibility and honesty. Principles such as the prohibition of usury, gharar and fraud are the main guidelines for running an ethical business. In addition, Islamic business ethics emphasizes the importance of integrity and openness in every transaction. In the era of globalization and increasingly fierce competition, the application of Islamic business ethics is becoming increasingly relevant, because it not only contributes to economic development, but also builds reputation and trust in the eyes of consumers and the wider community. Thus, understanding and implementing Islamic business ethics not only benefits individuals and companies, but also society as a whole, creating a more sustainable and fair business environment.
MENIMBANG EFEKTIVITAS ASURANSI SEBAGAI INSTRUMEN PERLINDUNGAN FINANSIAL “APAKAH RISIKO DAN MANFAAT SEIMBANG?” Mairani Adelia; Arsyadona Arsyadona; Aura Tafana; Sayyida Marwah; Bayu Andika
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2024): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v1i4.3442

Abstract

This article discusses the role of insurance as a financial risk protection tool and evaluates the gap between the promise of protection offered and the reality experienced by customers. The study is based on key theories in insurance, including risk theory, premiums, claims, and time value of money, to explain how insurance works as a risk management mechanism. Data from books, journals, academic articles, and insurance industry reports are critically analyzed through a qualitative approach with a library research method. The results of the analysis show that there is a gap between the promise of insurance protection and the reality faced by customers, especially related to the low insurance literacy in the community and also provide a holistic view of the role and challenges of insurance as a risk mitigation instrument in the modern socio-economic context. This study aims to analyze the effectiveness of insurance protection in managing unexpected financial risks, focusing on the theory of risk, premiums, claims, and time value of money. The study also considers people's insurance literacy, the potential of digitalization, and the need for stronger regulations to address issues of limited access and transparency of insurance in Indonesia. In conclusion, while insurance is important for risk mitigation, stronger regulations and better literacy are needed to ensure fairer and more effective protection.
Co-Authors Arsyadona Arsyadona Bayu Andika Fahira Rizka Olivia Mahyu Feby Nurhalizah Siregar Mairani Adelia Sayyida Marwah