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All Journal Al-Kharaj: Journal of Islamic Economic and Business Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi (JEBIMAN)
Annisa Zahrina Dharmawan
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance

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ANALISIS PENGELOLAAN DANA INVESTASI ASURANSI JIWA SYARIAH (STUDI KASUS PT. ASURANSI TAKAFUL KELUARGA CABANG MEDAN) Annisa Zahrina Dharmawan; Zainarti
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 2 No. 6 (2024): JEBIMAN: Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi
Publisher : CV. ADIBA AISHA AMIRA

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Abstract

This research aims to determine the management of sharia life insurance investment funds and find out the obstacles that occur in managing sharia life insurance investment funds at PT. Medan Branch Family Takaful Insurance. The research method used in this research is a qualitative descriptive approach method. The data collection technique is in the form of interviews and uses primary data obtained directly from PT. Medan Branch Family Takaful Insurance. The subjects in this research were employees and customers at PT. Medan Branch Family Takaful Insurance and the object of this research is the management of investment funds at PT. Family Takaful Insurance Medan Branch. Based on the results of research regarding sharia life insurance investment management funds at PT. Medan Branch Family Takaful Insurance complies with sharia principles which are free from any matters elements of gharar, maisyr and usury which refer to the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) and regulations set by the Financial Services Authority (OJK) as well as transparent fund management in accordance with Islamic law. Then in management There are no obstacles to funding, but there were obstacles when Covid-19 emerged in Indonesia where financial dampening in tabarru fund investments has decreased. Companies have to pay customers claims because customer claims increase so costs increase
The Effect of Financial Literacy, Cost of Education and Future Orientation on Financial Well-Being in Taking Education Insurance Policie Annisa Zahrina Dharmawan; Nurbaiti; Tuti Anggraini
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.7547

Abstract

This study aims to analyze the influence of financial literacy, education costs, and future orientation on financial well-being in taking education insurance policies in Deli Serdang Regency. The background of this study is based on the low level of insurance literacy and inclusion in Indonesia, especially in education insurance products, which has implications for less than optimal family financial planning for children's education needs. Through a quantitative approach, this study examines the relationship between the three independent variables on people's financial well-being in the context of decisions to take education insurance policies. The results of the study indicate that financial literacy and future orientation have a significant positive effect on financial well-being, while the high cost of education is an inhibiting factor in making education insurance decisions. These findings emphasize the importance of financial education and increasing public awareness of future planning in order to achieve family financial well-being, as well as the need for strategies to reduce education costs so that education insurance is more affordable and inclusive.
Co-Authors Nurbaiti Tuti Anggraini Zainarti