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All Journal Jurnal Akuntansi Keuangan Dan Perpajakan Jurnal CENDIKIA ISNU Jurnal Cendikia ISNU SU
Salsabila Lubis
Universitas Islam Negeri Sumatera Utara
Religion Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Legal Aspects of Sharia Insurance Agreements: A Review of Sharia Principles in Insurance Products Dea salsabila; Salsabila Lubis; Arya Advany; Siti Nurlina; Fatimah Nainggolan
Jurnal Cendikia ISNU SU Vol. 2 No. 2 (2025): ISNU Cendikia September
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jcisnu.v2i3.949

Abstract

Sharia insurance is a form of protection agreement based on the principles of Islamic law, as an alternative to the conventional insurance system that contains elements of gharar, maysir, and riba. This research aims to examine the legal aspects of sharia insurance agreements in Indonesia, with an emphasis on the compatibility between the contract in the policy and sharia principles such as ta'awun, tabarru' contract, tijarah contract, as well as the value of justice and transparency. The method used is a literature study with a normative juridical approach, through an examination of laws and regulations, DSN-MUI fatwas, and the results of previous research. The results of the study show that although sharia insurance already has a strong legal basis in positive law and muamalah fiqh, the practice still faces challenges in terms of the clarity of the contract, the management of participant funds, and the dispute resolution mechanism. Therefore, harmonization between national law and Islamic law, as well as strengthening technical regulations and education to the public, is needed to realize a sharia insurance system that is fully sharia-compliant.
Analisis Peran Manajemen Operasional dalam Meningkatkan Kualitas Layanan dan Kepuasan Nasabah Pada Perusahaan Asuransi Nurhayati Harahap; Khairunnisa Silalahi; Nasywa Almira; Salsabila Lubis
Jurnal Akuntansi Keuangan Dan Perpajakan | E-ISSN : 3063-8208 Vol. 2 No. 4 (2026): April - Juni
Publisher : GLOBAL SCIENTS PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the role of operational management in improving service quality and its impact on customer satisfaction in insurance companies. Common issues in the insurance industry include service delays, complex claims processes, and inconsistent service delivery, which can reduce customer satisfaction levels. This research employs a qualitative approach using literature review and document analysis methods by examining various scientific journals, academic books, and relevant previous studies. The findings indicate that operational management plays a strategic role in enhancing service quality through the implementation of Standard Operating Procedures (SOPs), human resource training, service time management, service system digitalization, and service quality control. Effective operational management has been proven to improve service quality dimensions based on theSERVQUAL model, particularly reliability, responsiveness, assurance, empathy, and tangibles. These improvements in service quality directly contribute to customer satisfaction, as customers receive faster, more accurate, and more consistent services. Therefore, it can be concluded that strengthening operational management is an essential strategy for insurance companies to improve service quality and maintain customer satisfaction in an increasingly competitive service industry
Legal Aspects of Sharia Insurance Agreements: A Review of Sharia Principles in Insurance Products Dea salsabila; Salsabila Lubis; Arya Advany; Siti Nurlina; Fatimah Nainggolan
Jurnal Cendikia ISNU SU Vol. 2 No. 2 (2025): ISNU Cendikia September
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jcisnu.v2i3.949

Abstract

Sharia insurance is a form of protection agreement based on the principles of Islamic law, as an alternative to the conventional insurance system that contains elements of gharar, maysir, and riba. This research aims to examine the legal aspects of sharia insurance agreements in Indonesia, with an emphasis on the compatibility between the contract in the policy and sharia principles such as ta'awun, tabarru' contract, tijarah contract, as well as the value of justice and transparency. The method used is a literature study with a normative juridical approach, through an examination of laws and regulations, DSN-MUI fatwas, and the results of previous research. The results of the study show that although sharia insurance already has a strong legal basis in positive law and muamalah fiqh, the practice still faces challenges in terms of the clarity of the contract, the management of participant funds, and the dispute resolution mechanism. Therefore, harmonization between national law and Islamic law, as well as strengthening technical regulations and education to the public, is needed to realize a sharia insurance system that is fully sharia-compliant.
Co-Authors Arya Advany Dea salsabila Fatimah Nainggolan Khairunnisa Silalahi Nasywa Almira Nurhayati Harahap Siti Nurlina