AJB Bumiputera Research Articles

SISTEM AKUNTANSI KLAIM HABIS KONTRAK PADA ASURANSI JIWA BERSAMA BUMIPUTERA 1912 CABANG UJUNG TANAH MAKASSAR

The purpose of this research was to know how accounting system for contract expired claims at AJB Bumiputera 1912 Branch Office of Ujung Tanah Makassar, contraints in the system of accounting for contract expired claims and efforts made to overcome the obstacles faced. The type and design in this study used a descritive qualitative type, namely knowing, explaining and describing the accounting system for contract expired claims in AJB Bumiputera 1912 Branch Office of Ujung Tanah Makassar. The program payment of claims through centralization. Finance Department pays immediately to the bank account of the policy holder or recipient of insurance benefit. Recording system payment of contract expiration claim using a computerized system The result showed that accounting system of contract expired claims already has accounting records accordance to their needs. It can be seen that the fractions has worked according to their duties. While the problems that are experienced in the accounting system for contract expired claims, are: lack of supervision on customer premium payments, where there are some customers who are negligent in carrying out their obligations in paying insurance premiums which result in the payment of contract expired claims not due. For this reason, it is necessary to review the system used so that the documents used are in accordance with the needs, and there is no abuse, fraud and the results can be more effective. The efforts to overcome the obstacles in the accounting system for contract expired claims are that the KUAK section (Head of Administrative and Finance Unit) conducts a routine check of premium payment receipts to avoid paying out-of-contract expired claims and sending an official notification letter from the company to the customer that the contract period will expire.

KEPUASAN NASABAH DITINJAU DARI KUALITAS PELAYANAN, REPUTASI PERUSAHAAN, DAN PERSEPSI KLAIM NASABAH (STUDI PADA KC AJAB BUMIPUTERA 1912 SURAKARTA)

The purpose of this study is to determine whether there is a significant influence between the variable quality of service, company reputation, and customer claims perception and customer satisfaction. In addition, it is also to find out whether there is a significant simultaneous effect and which variable is the most dominant in influencing customer satisfaction at KC AJB Bumiputera 1912 Surakarta.
 The method used is a method based on quantitative descriptive, where the sampling technique uses Random Sampling, which is a random sampling technique, regardless of the level contained in the population. The data used are primary data and secondary data with data collection techniques: questionnaires, observations, interviews, and literature study. Data analysis techniques in this study used multiple linear, determination test (R2), F test, and t test.
 The results of the study can be concluded that: 1) There is an effect of service quality, company reputation, and simultaneous perception of customer claims on customer satisfaction at KC AJB Bumiputera 1912 Surakarta, 2) There is an influence of service quality on customer satisfaction at KC AJB Bumiputera 1912 Surakarta Batik in the City of Solo, 3) There is an influence of company reputation on customer satisfaction in KC AJB Bumiputera 1912 Surakarta, 4) There is an influence of customer perception perceptions of customer satisfaction on KC AJB Bumiputera 1912 Surakarta.
 Keywords: Service Quality, Company Reputation, Customer Claim Perception, and Customer Satisfaction

STRATEGI DALAM PENINGKATAN JUMLAH NASABAH ASURANSI JIWA DI AJB BUMIPUTERA 1912 MEULABOH

AJB Bumiputera 1912 Meulaboh is an insurance company that has been established for decades until now, it still remains one of the insurance companies that are in demand by the people of Meulaboh. Many products offered by the AJB Bumiputera 1912 Meulaboh is expected to increase the number of life insurance customers and it is is one of the strategies used in the process of increasing the number of insurance customers. As for the results of the study, AJB Bumiputera 1912 followed several stages, namely offering superior products to prospective customers, insurance product price quotes that are tailored to all layers of prospective insurance customers, promotion of insurance products to various prospective insurance customers, the selection of office locations that are very appropriate in the center of Meulaboh City, the selection of employees who work is carried out with a variety of processes in accordance with the applicable operational standards in AJB Bumiputera 1912 throughout Indonesia.

Implementation of UTAUT and D&M Models for Success Assessment of Cashless System

This study discusses the success of applying the Cashless System using the Unified Theory of Acceptance and Usage of Technology (UTAUT) model and the DeLone & McLean (D & M) model to assess human factors and technological factors in behavioral intention and influence them on individual performance. This study was designed to discuss the application of technology after the Cashless System was implemented for two years. The Cashless system is a special non-cash payment system for premium payment and insurance claims systems that used agents as payment agreements. Cashless systems are implemented based on the Financial Services Authority (OJK) and Bank of Indonesia Regulations (PBI) regulations concerning payment system services and consumer protection payment system services. The research location was chosen at AJB Bumiputera 1912 in Bali Province which was the first insurance company and invited in Indonesia. The research sample used purposive sampling with the criteria of all active users using the Cashless System, which is as many as 45 people. Data collection used a questionnaire distributed to 15 offices of AJB Bumiputera 1912 in Bali Province. Data analysis used Partial Least Square (PLS) with Structural Equation Modeling (SEM). The test results used the UTAUT model show that the performance of expectations, social influences apply positively to behavioral intentions of using the Cashless System. Expectations of effort were not applied to behavioral intentions of using the Cashless System. The test results used the D & M model that shows the information quality, the information systems quality, service quality that had positive effect on behavioral intention of using Cashless System. The intention of behavior of using the Cashless System has positive effect on individual performance. Keywords: UTAUT, Delone & McLean, Cashless System DOI : 10.7176/RJFA/10-12-16 Publication date :June 30 th 2019

PENGARUH ADOPSI AKUNTANSI TRANSAKSI ASURANSI SYARIAH BERDASARKAN PSAK 108 TERHADAP KINERJA KEUANGAN PERUSAHAAN (STUDI KASUS PADA AJB BUMIPUTERA 1912 WILAYAH SYARIAH JAKARTA)

This study aims to identify and analyze "Insurance Transaction Accounting Influence Adoption of PSAK 108 Against Sharia Based Financial Performance (Case Study At AJB Bumiputera 1912 Jakarta Regional Sharia)". The population in this study were all employees of all branches of sharia region of Jakarta as many as 84 people. The samples were set at 70 sample respondents with random sampling techniques, and data collection by questionnaire. Technical analysis of data using SPSS 20 to process the data from respondents who provide an assessment of the questionnaire stated in figures in the Likert Scale. Based on the results of the analysis showed that the presence of a negative influence between the application of the system in the early engakuan PSAK 108 on financial performance at the company AJB Bumiputera Sharia Jakarta region. This research proved the positive influence between the application of the measurement system in PSAK 108 on financial performance at the company AJB Bumiputera Sharia Jakarta region. This research proved the positive influence between the application of PSAK 108 in a presentation system on financial performance at the company AJB Bumiputera Sharia Jakarta region. This research proved the positive influence between the application of the system disclosure under PSAK 108 on financial performance at the company AJB Bumiputera Sharia Jakarta region

Alternative Dispute Resolution Model in the AJB Bumiputera Life Insurance Company of Purwokerto in Shari'ah Perspectives

Resolution of disputes by way of litigation always takes a long time, expensive dan results in a win and lose solution. Therefore resolution outside the court( non-litigation) is an alternative choice. This study analyses the resolution of insurance disputes using several methods or models outside the Court. This research is non-doctrinal legal research, with a socio-legal approach. It analyses a settlement model used by of Life Insurance AJB Bumiputera Purwokerto in the event of default of the insured/customer premium and the customer’s insurance claim against the company. The settlement involves several stages, first, by means of consultation and negotiation, second by means of mediation involving OJK (Financial Services Authority) as a neutral mediator, and the last, by means of conciliation and arbitration. In the perspective of Islamic law, this solution model is similar to the concept of sulh, a type of disputes resolution in which the conflicting parties drive to settle their dispute peacefully.

Pengaruh Insentif dan Pengembangan Karir terhadap Kepuasan Kerja melalui Kinerja Karyawan sebagai Variable Intervening/Moderating pada AJB Asuransi Bumiputera 1912 Palembang

Effect of Incentives and career development to job satisfaction over the performance of the employee as an intervening variable in the Company of AJB Bumiputera 1912. This study aims to identify and analyze the influence of variable incentives and career development directly and indirectly, on the performance and job satisfaction in of AJB Bumiputera 1912 Palembang. Research sample of 120 people conducted a census by using Structural Equation Model (SEM) to analyze the data using LISREL software. The results showed the effect of incentives on job satisfaction of 0.21, while the career development of only 0.13, meaning that incentives have a greater influence on job satisfaction of the career development. The results of calculation of the direct influence of performance, incentives and career development to job satisfaction can be concluded that the performance had the greatest direct influence on job satisfaction (0.26) of the direct influence of incentives and career development, each of which only 0.21 and 0.13. While the indirect effect of incentives and career development to work through performance pepuasan shows that incentives have indirect influence greater (0.06) than in the career development (0.04). To improve job satisfaction in insurance AJB Bumiputera 1912 Palembang, needs to be improved incentives through bonuses, commissions or social security for employees who excel and enhance career development by providing a variety of opportunities to grow.

The Hybrid Model Algorithm on Sharia Insurance

Sharia insurance operational model was developed with the approach of trial and error by scholars and industry as a process to obtain the ideal format which can be used as a foundation for Islamic insurance operations. Models that are formed are: mudharabah model, wakalah model, and hybrid model. The development of the operational model of islamc insurance still continue because there are still many problems and Islamic issues that must be resolved. The hybrid model is the incorporation of the wakalah and mudharabah model. This model is mostly used in shariah insurance company in Indonesia because it is considered fair enough for policyholders and companies. In this paper, will do research on hybrid model by taking one example of Hajj travel insurance products, that is Mitra Mabrur Plus (AJB Bumiputera 1912) through the algorithm as follows: 1) translate the hybrid model scheme of Mitra Mabrur Plus into mathematical equations 2) drafting table of hybrid insurance Mitra Mabrur Plus model using mathematical equations on stage 1 and some initial value that set by the insurance company. This hybrid model table will show the details of the management of funds sourced from the contribution of the policyholders, including the quantity percentage of personal account, the percentage of tabarru’ account, the percentage of ujrah, magnitudes of profit and benefit that be accrues to the policyholders. Through this table, are expected that management of the fund contribution is shariah insurance will be more transparent and fair for companies or policyholders.

PENERAPAN AKUNTANSI PPh PASAL 23 ATAS JASA AGEN PADA PT. AJB BUMIPUTERA 1912 CABANG MANADO

In the state budget of revenues and expenditures (APBN), it can be seen that the target of state revenue from the tax sector has increased from year to year. APBN 2016 shows tax revenue accounted for about 84% of total state revenues as a whole. Therefore, Canit is said that taxes play a vital role in the financing of national development. Object in this research is PT. AJB BUMIPUTERA 1912 which is engaged in life insurance. The purpose of this study is to find out how the application of accounting PPh article 23 for servicesagent at PT. AJB BUMIPUTERA 1912 Manado branch. Method of data analysis used in this research is discussing problem by colleting, elaborating, counting, and comparing a situation and explaining a situation so that can be drawn conclusion.Keywords: accounting, income tax article 23

Evaluation on Implementation of Performance Management in Asuransi Jiwa Bersama (AJB) Bumiputra 1912

This study aimed to evaluate the implementation of performance management in AJB Bumiputera 1912. This study uses DEM (Discrepancy Evaluation Method) evaluation method. The components that were evaluated are the component of design, installation, implementation, and outcome. The methods used in this study is a questionnaire on 51 unit leader respondents at the headquarter and regional offices, the 150 employees of the central office, the interview method on 10 respondents, observation and study documentsmethod. The results of this study indicate that there is a gap between the actual conditions (Performance) with the condition that should be happened (Standard) on all four components that were analyzed. In conclusion, it is necessary to do some improvements to reduce the gap so that the actual conditions more closely the conditions that should be happened. The improvements that need to be done are alignment of the performance management design with the needs of company at this time, the need for commitment to change from the top down, implementation of reward and punishment continuously,and the need to support tools and technologies that were integrated, so the individual and team performance increased and imply to organization performance to be a leading position in life insurance industries in Indonesia.
 Keyword: performance management, discrepancy evaluation model, discrepancy, transformation of human resource management.

Pengaruh Kepercayaan dan Kepuasan Terhadap Loyalitas Nasabah Mitra Beasiswa AJB Bumiputera 1912 Cabang Kota Pariaman

This research is aimto analyze the influence of trust and satisfaction on customer loyalty of Mitra Beasiswa AJB Bumiputera 1912 of Pariaman. The population in this research is the Mitra Beasiswa AJB Bumiputera 1912 of Pariaman in 2015. The sample was taken by purposive sampling using the formula of Slovin, with sample size as much as 90 respondents. Data analysis is performed multiple regression analysis and hypothesis testing using F test and t-test. The results of this study show that trust and satisfaction have a significant effect on customer loyalty of Mitra Beasiswa AJB Bumiputera 1912 of Pariaman.

PENGARUH PENYELESAIAN KLAIM ASURANSI TERHADAP PENCAPAIAN TARGET PENJUALAN PRODUK ASURANSI AJB BUMIPUTERA 1912 CABANG BENGKULU

Sri Handayani; Insurance claims are the demands of the insured party in connection with the contract between the insurer with the insured person that each of the parties bind themselves to guarantee the payment of compensation by penaggung if insurance premium payments have been made by the insured party, when the disaster suffered by the insured person. This study aimed to examine the effect of the settlement of insurance claims against insurance product sales target AJB BUMIPUTERA 1912 Cabang Bengkulu. The sample in this study is the settlement of insurance claims and insurance product sales target AJB BUMIPUTERA 1912 Cabang bengkulu observation period of 5 years. The method used is the correlation coefficient. These results indicate that a growing number of insurance claims are settled, the higher the achievement of sales of insurance products offered AJB BUMIPUTERA 1912 cabang Bengkulu.Key words: Insurance claims

Pengaruh dan Implikasi Sistem Rekrutmen Keagenan Terhadap Kinerja SDM pada AJB Bumiputera 1912 Syariah

This study aimed to analyze the influence of the agency recruitment system and its implications for human resources performance on AJB Bumiputera 1912 Sharia. This analysis use descriptive quantitative method with simple regression calculation. The analysis results show that there is a significant influence between agency recruitment systems with human performance in AJB Bumiputera 1912 Syariah Jakarta Regional Office. Implications of the requirements that contained inagency recruitment system were also seen in human performance that is outside the employee's official now. DOI: 10.15408/aiq.v4i2.2549

ANALISIS SWOT STRATEGI PEMASARAN ASURANSI JIWA AJB BUMI PUTERA 1912

Sri Handayani ; Today's business growth in the life insurance sector in Indonesia continues to improve, but to learn from the experience of the banking sector, it should be examined whether the existence of the businesses owned nationwide in the life insurance sector becomes desperate and lost market share in the country to deal with businesses that come from overseas managed to win greater trust from the buyers insurance protection services. This study aimed to analyze the strengths and weaknesses in the face of opportunities and threats of life insurance marketing strategy AJB Bumiputera 1912 Bengkulu. The sample in this study is the assumption of an effective strategy to maximize the strengths and minimize the weaknesses of the company and the opportunities and threats. The method used is the SWOT analysis. These results indicate that the AJB Bumiputera 1912 Bengkulu workable strategy is a strategy of horizontal integration, cost efficiency and the use of high technology to the payment system and insurance product ordering system, all of this should be directed to customer satisfaction.Keyword: SWOT Analysis, Marketing Strategy

Kesesuaian Operasional Produk Asuransi Syariah dengan Fatwa DSN MUI No:21/DSN-MUI/X/2001 (Studi Kasus AJB Bumiputera 1912 Cabang Surabaya)

Sharia insurance in Indonesia has experienced a fairly rapid development since the promulgation of MUI fatwa number:21/DSN-MUI/X/2001 about sharia insurance. However, that is still questionable is does the sharia insurance company really run the product operational based on MUI fatwa.This study aims to determine whether product operational of sharia insurance of AJB Bumiputera1912 is in conformity with the sharia rules to follow six indicator akkad, premi, claims, investment, reinsurance, and management of the fund from MUI fatwa or not.The research method is used is a case study with a qualitative descriptive approach. The data used in this study is that the data derived from primary data obtained from fieldwork and secondary data derived from the literature and a wide range of written document. This study using data derived from the management of sharia insurance AJB Bumiputera 1912 in the branch of Surabaya and sharia insurance participants of AJB Bumiputera 1912.The results of this research is operational products of sharia insurance of AJB Bumiputera 1912 were in accordance with Indonesian Ulama Council fatwa DSN Number:21/DSNMUI/X/2001. The suitability reflected from the existence of akkad tabarru’ and akkad tijarah as investment funds (mudharabah), management of premium funds based on sharia, claims fund based on first contract, investment made in accordance with the mandate of participants, then reinsurance process done only to sharia-based reinsurance company.

PENGARUH PENDAPATAN PERKAPITA DAN TINGKAT SUKU BUNGA TERHADAP PERMINTAAN POLIS ASURANSI JIWA

The research aimed to (1) find out how much the influence of per capita income and interest level to life-insurance policy demand of AJB Bumiputera 1912 Dieng Branch of Malang, (2) find out variables with dominant influence to the request of life-insurance for AJB Bumiputer 1912 Dieng Branch of Malang, (3) as landscape or information for similar research related with life-insurance in the near future. Data taken by the writer was secondary data where the data found from AJB Bumiputera 1912 Dieng Branch of Malang and BPS Malang. While data used for multiple analysis and hypothesis test using T test and F test. Regression analysis result showed that interest level (x1) influenced 4.022152 while per capita income (x2) influenced 11.11860 and determination coefficient 0.930052. So the strongest variable to the life-insurance request was per capita income (x2) with hypothesis test count 11.11860 where the coefficient determination was 0.930052.

Pengaruh Biaya Promosi Terhadap Peningkatan Jumlah Peserta Asuransi: Studi Di AJB Bumiputera 1912 Divisi Syariah

The Influence of Promotion Cost to The Increasing of Number Participants: Study at AJB Bumiputera 1912 Shariah Division. The purpose of this study is to analyze the effect of promotion costs to increase in the number of insurance participants. The analysis technique used is linear regression. The results indicate that there are significant show promotion costs to increase in the number of participants who use the benefits of insurance products Iqro Partner ‘of AJB Bumiputera 1912 Division Sharia. In promotional activities the Joint Life Insurance Company (AJB) Bumiputera 1912 Sharia to attract people is through media advertising and sales activities of the agent, of all existing forms of promotion Joint Life Insurance Company (AJB) prefers Sharia Bumiputera 1912 even most promotional activities performed by private sale (personal selling) DOI:10.15408/aiq.v6i1.1372

Analisis Aplikasi Akad Tabarru’ dalam Asuransi Syariah: Studi Kasus pada AJB Bumiputera 1912 Syariah Cabang Kudus

The purpose of this research is to (1) know of products of Islamic insurance at AJB Bumiputera 1912 Syariah Cabang Kudus; (2) know how procedure and mechanism of application of akad tabarru’ in Islamic insurance at AJBBumiputera 1912 Syariah Cabang Kudus; (3) analyse the application of akadtabarru’ in Islamic insurance at AJB Bumiputera 1912 Syariah CabangKudus.This research including field research with qualitative approach. Dataanalysis using descriptive analysis.Result of this research indicate that (1)products at AJB Bumiputera 1912 Syariah Cabang Kudus are products withsaving system; individual insurance (Mitra Sakinah, Mitra Mabrur and MitraIqra’) and group insurance; (2) in executing daily activity of AJB Bumiputera1912 Syariah Cabang Kudus, premium which step into the company groupedto become the Tabarru’ (benefaction fund), Premium of Saving and Premiumof Cost; (3) application of Akad tabarru’ at AJB Bumiputera 1912 SyariahCabang Kudus as according to religious advices of Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) No. 21/DSN-MUI/X/2001 about common guidance of islamic insurance expressed that akad tabarru’ is all form akad done with benefaction purpose and help mutually, not for the commercial purpose