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All Journal JAKBS Journal Of Informatics And Busisnes Jurnal Akuntansi Keuangan Dan Perpajakan EKONOMIKA: Manajemen, Akuntansi dan Perbankan Syari’ah Algebra : Jurnal Pendidikan Sosial dan Sains
Nurhayati Harahap
Universitas Alwasliyah Medan
Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Physics Social Sciences Other

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KEUNGGULAN ASURANSI UMUM SYARIAH DIBANDINGKAN ASURANSI KONVENSIONAL Panisa Panisa; Husnul Khatima; Silpiah Jahra Nasution; Nurhayati Harahap
Jurnal Ekonomika: Manajemen, Akuntansi, dan Perbankan Syari'ah Vol. 14 No. 1 (2025): Maret
Publisher : Economic Faculty, University of Widya Gama Mahakam Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24903/je.v14i1.3240

Abstract

Penelitian ini bertujuan untuk membandingkan asuransi syariah dan asuransi konvensional dari segi prinsip operasional, mekanisme pengelolaan dana, serta tantangan yang dihadapi masing-masing jenis asuransi. Asuransi syariah mengadopsi prinsip risk sharing, di mana risiko ditanggung bersama oleh peserta melalui dana yang dikelola secara kolektif dan sesuai dengan prinsip syariah, sementara asuransi konvensional beroperasi dengan prinsip risk transfer, di mana risiko sepenuhnya dialihkan kepada perusahaan asuransi. Keberadaan Dewan Pengawas Syariah (DPS) dalam asuransi syariah menjadi salah satu keunggulan yang memastikan kesesuaian operasional dengan prinsip-prinsip Islam. Meskipun demikian, asuransi syariah menghadapi tantangan dalam hal pemahaman masyarakat dan persaingan dengan asuransi konvensional yang lebih dikenal. Penelitian ini juga mengidentifikasi pentingnya kolaborasi antara perusahaan asuransi syariah, regulator, dan lembaga edukasi untuk meningkatkan literasi masyarakat, serta perlunya inovasi dalam produk dan layanan agar asuransi syariah dapat bersaing dengan asuransi konvensional di pasar yang semakin kompetitif.
ANALYSIS OF THE CONTRIBUTION OF SHARIA MOTOR VEHICLE INSURANCE PREMIUMS TO THE TOTAL PREMIUM CONTRIBUTION OF THE SHARIA INSURANCE INDUSTRY IN INDONESIA Andika Saputra; Rizky Basir; Mhd Hafiz; Fikri Ariga; Yudi Paruhum; Nurhayati Harahap
Algebra : Jurnal Pendidikan, Sosial dan Sains Vol. 6 No. 1 (2026): Algebra : Jurnal Pendidikan Sosial dan Sains
Publisher : Yayasan Amanah Nur Aman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58432/thz25y49

Abstract

The development of the Islamic insurance industry in Indonesia continues to grow as the public becomes more aware of financial products that adhere to Islamic principles. Among the various business sectors within Islamic general insurance, Islamic motor vehicle insurance offers significant potential. This study aims to determine the contribution of Islamic motor vehicle insurance premiums to the total premiums of the Islamic insurance industry in Indonesia and to understand its role within the overall structure of the industry. This study uses a descriptive quantitative method by analyzing secondary data derived from reports from the Financial Services Authority (OJK) and the Indonesian Islamic Insurance Association (AASI).The research results show that Sharia motor vehicle insurance premiums contribute significantly to the Sharia general insurance category, but their contribution to the total premiums of the Sharia insurance industry remains relatively small compared to Sharia life insurance, which dominates the market. This is because Sharia life insurance products are well-known and widely accepted, while Sharia general insurance still has a limited market share. It is hoped that this research will assist stakeholders and industry regulators in designing Sharia motor vehicle insurance development strategies to increase its contribution to the national Sharia insurance industry.
Optimalisasi Manajemen Operasional Dalam Meningkatkan Kinerja Asuransi Syariah di Era Digital Nurhayati Harahap; Putri Nawarni Harahap; Rizki Khoiril Waladi Siahaan; Arya Advany
Jurnal Akuntansi Keuangan dan Bisnis Vol. 4 No. 1 (2026): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to analyze the optimization of operational management through digital transformation in Islamic insurance companies. The research employed a library research method with a qualitative descriptive approach. The results indicate that business process digitalization, human resource development, digital risk governance, and customer experience enhancement improve operational efficiency, productivity, service quality, and corporate competitiveness. The use of technologies such as Artificial Intelligence (AI), Big Data Analytics, and Cloud Computing also supports faster business processes and better decision-making. Therefore, digital transformation supported by competent human resources and compliance with sharia principles is essential for improving the performance and sustainability of Islamic insurance companies.
Digitalisasi Operasional Pada Asuransi Syariah Nurhayati Harahap; Habib Hardimi Prahalim; Fadilla Fadwa Zailani Tumanggor; Nurcholiza Adha
Journal Of Informatics And Busisnes Vol. 4 No. 1 (2026): April - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jibs.v4i1.4645

Abstract

Operational digitalization is one of the key strategies for improving efficiency and service quality in the financial industry, including Islamic insurance. This study aims to analyze the implementation of operational digitalization in Islamic insurance, the benefits obtained, and the challenges faced during its implementation process. The research method used is a descriptive qualitative approach with a literature study technique, through data collection from books, journals, official reports, and related regulations. The results show that operational digitalization is able to enhance administrative efficiency, accelerate participant services, facilitate contribution payments, policy management, and online claim submissions. In addition, digitalization supports transparency in managing participants’ funds in accordance with Sharia principles, thereby increasing public trust. However, the implementation of digitalization still faces several challenges, such as data security issues, limited human resources, and low digital literacy among the public. Therefore, Islamic insurance companies need to develop appropriate technological innovations while adhering to Sharia principles in order to improve competitiveness and expand market reach in the digital era.
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

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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
Co-Authors Andika Saputra Arya Advany Fadilla Fadwa Zailani Tumanggor Fikri Ariga Habib Hardimi Prahalim Husnul Khatima Khairunnisa Silalahi Mhd Hafiz Nasywa Almira Nurcholiza Adha Panisa Panisa Putri Nawarni Harahap Rizki Khoiril Waladi Siahaan Rizky Basir Salsabila Lubis Silpiah Jahra Nasution Yudi Paruhum