Analisis Manajemen Risiko Proses Underwriting pada Asuransi Syariah : Studi Kasus PT Asuransi Jiwa Reliance Syariah
Keywords:
Risk management, Sharia Insurance, UnderwritingAbstract
Underwriting is a vital process in Islamic insurance because underwriting is one of the factors for Islamic insurance companies to experience profits or losses. Risk management is an important part of sharia insurance in carrying out its operations. Good risk management allows sharia insurance companies to grow and provide profits. This study aims to analyze the underwriting risk management process at PT Asuransi Jiwa Reliance Syariah Unit based on POJK No.44/POJK.05/2020 with descriptive qualitative research methods. Data was collected by conducting interviews, observation and documentation. Data analysis techniques in this study used data reduction, data presentation, and drawing conclusions. The results of this study show that the application of risk management underwriting processes implemented by PT Asuransi Jiwa Reliance Unit Syariah has been going well, systematically and complies with POJK regulations No.44/POJK.05/2020, this is evidenced by the results of the OJK audit which shows no evaluation. as well as violations in the underwriting risk management process as well as the company's internal SOPs running well.References
Alam, M. I. (2019). An Empirical Study on Underwriting Risk of Insurance Companies in Bangladesh the Creative Commons Attribution License (CC BY 4.0). International Journal of Trend in Scientific Research and Development. https://doi.org/10.31142/ijtsrd26379
Ali, M. (2004). Asuransi dalam perspektif hukum Islam. . Prenada Kencana. .
Ali, Z. (2008). Hukum Asuransi Syariah. Sinar Grafika.
Alifianingrum, R., & Suprayogi, N. (2018). FAKTOR-FAKTOR YANG MEMPENGARUHI SURPLUS UNDERWRITING DANA TABARRU’ PADA PERUSAHAAN ASURANSI JIWA SYARIAH.
Amrin, A. (2006). Asuransi syariah keberadaan dan kelebihan ditengan asuransi konvensional. PT Elex Media Komputindo.
Banoon, D., & Tayachi, T. (2021). 2021) Doha Banoon, Tahar Tayachi. Credit Risk Management in Takaful Industry in The Ksa-Palarch’s. In Journal of Archaeology of Egypt/Egyptology (Vol. 18, Issue 13).
Burhanuddin. (2010). Aspek Hukum Lembaga Keuangan Syariah. Graha Ilmu.
Creswell, J. W. (2014). Research design : qualitative, quantitative, and mixed methods approaches. SAGE Publications.
Darmawi, H. (2004a). Manajemen Asuransi (3rd ed.). PT Bumi Aksara.
Darmawi, H. (2004b). Manajemen Asuransi (3rd ed.). PT Bumi Aksara.
Darmawi, H. (2016). Manajemen Resiko. Sinar Grafika Offset.
Djohanputro, B. (2006). Manajemen Risiko Korporat Terintegrasi. PPM.
Djojosoedarso, S. (1999). Prinsip-prinsip Manajemen Risiko dan Asuransi. Salemba Empat.
Djunaidi, G., & Almanshur, F. (2012). Metode Penelitian Kualitatif. Ar-Ruzz Media.
Fahmi, I. (2010). Manajemen Risiko: Teori, Kasus, dan Solusi. Alfabet.
Hasyim, A. (2003). Kamus Asuransi. PT Bumi Aksara.
Huggins, K., & Robbert, D. (1996). Operasi Perusahaan Asuransi Jiwa dan Asuransi Kesehatan. Yayasan Dharma Bumiputera.
Humaemah, R., & Ulpatiyani. (2021). ANALISIS MANAJEMEN RISIKO DANA TABARRU ASURANSI SYARIAH (STUDI PADA PT ASURANSI UMUM BUMIPUTERA MUDA 1967 SERANG). INSURANCE (SIJAS), 7(1). http://jurnal.uinbanten.ac.id/index.php/si/issue/archive
Ichsan. (2014). Pengantar Asuransi Syariah.
Kurnia, G., Sembiring, S., & Aslami, N. (n.d.). Transformasi Manageria Journal of Islamic Education Management Pengimplementasian Manajemen Risiko pada PT Asuransi Jasindo Syariah. https://doi.org/10.47476/manageria.v2i1.866
Kutub, M. (2017). Ekonomi Syariah dan Lingkungan Hidup (Studi Analisis Fatwa DSN-MUI tentang Pasar Modal dan Pedoman Umum Penerapan Prinsip Syariah di Bidang Pasar Modal), . 5–5.
Makau, L., & Okeyo, W. (2021). Risk Underwriting, Crisis Management, Regulatory Framework and Performance of Insurance Companies in Kenya: A Case of Sanlam General Insurance Company. Journal of Human Resource &Leadership, 5(3), 96–113. https://doi.org/10.53819/81018102t3026
Merriam, S. B., & Tisdel, E. J. (2015). Qualitative research: A guide to design and implementation. (Vol. 4). Jossey-Bass.
Muleong, L. J. (2016). Metodologi Penelitian Kualitatif . Remaja Rosdakarya.
Mustafa, A., & Rahman, A. A. (2018). The Islamic perspective on the underwriting of health takaful products: A study of selected takaful operators in Malaysia. In New Developments in Islamic Economics: Examples from Southeast Asia (pp. 135–150). Emerald Group Publishing Ltd. https://doi.org/10.1108/978-1-78756-283-720181009
Nawawi, I. (2009). Ekonomi Kelembagaan Syariah. Putra Media Nusantara.
OJK. (2015). Penerapan Manajemen Risiko Asuransi. https://www.ojk.go.id/id/regulasi/Pages/POJK-Tentang-Penerapan-Manajemen-Risiko-Bagi-Lembaga-Jasa-Keuangan-Non-Bank.aspx
OJK. (2019). Data Perusahaan Asuransi.
OJK. (2020). PERATURAN MENGENAI PENERAPAN MANAJEMEN RISIKO BAGI LEMBAGA JASA KEUANGAN NONBANK.
OJK. (2021). Data Statistik Asuransi.
Putri, A. N. W., & Effendi, J. (2021a). Analisis Faktor-Faktor yang Memengaruhi Perolehan Surplus Underwriting pada Asuransi Jiwa Syariah di Indonesia (Periode 2015-2020). Al-Muzara’Ah, 9(2), 185–196. https://doi.org/10.29244/jam.9.2.185-196
Putri, A. N. W., & Effendi, J. (2021b). Analisis Faktor-Faktor yang Memengaruhi Perolehan Surplus Underwriting pada Asuransi Jiwa Syariah di Indonesia (Periode 2015-2020). AL-MUZARA’AH, 9(2), 185–196. https://doi.org/10.29244/jam.9.2.185-196
Ramadion, & et al. (2021). Pengaruh Literasi Asuransi Syariah Terhadap Persepsi Masyarakat Dalam Memilih Asuransi Syariah Di Jabodetabek. 158–167.
Reliance Life. (n.d.). Profil Perusahaan.
Riadi, O. (2019). ANALISIS MENEJEMEN RISIKO DANA TABARRU’ DALAM MENINGKATKAN PROFITABILITAS PT. ASURANSI JIWA SYARIAH AL AMIN BANDAR LAMPUNG.
Rival, V., & et al. (2013). Financial Institution Management (Manajemen Kelembagaan Keuangan) . Rajawali Pers.
Rizkiyanda, Y. (2019). ANALISIS MANAJEMEN RISIKO PADA SISTEM ASURANSI JIWA SYARIAH DI PT ASURANSI JIWA SYARIAH AL-AMIN CABANG MEDAN.
Rodoni, A., & Hamid, A. (2008). Lembaga Keuangan Syariah. Zikrul Hakim.
Rofikah, W., & Septiarini, D. F. (2020a). Implementasi Manajemen Risiko Underwriting Pada PT Asuransi Jasindo Syariah. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(5), 901. https://doi.org/10.20473/vol7iss20205pp901-910
Rofikah, W., & Septiarini, D. F. (2020b). IMPLEMENTASI MANAJEMEN RISIKO UNDERWRITING PADA PT ASURANSI JASINDO SYARIAH. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(5), 901. https://doi.org/10.20473/vol7iss20205pp901-910
Ronaldo, R., Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung, Y., & Tinggi Ekonomi dan Bisnis Islam Lampung, S. (2021). The Impact of Risk Management to Sharia Insurance Business in Indonesia Market. Journal of Islamic Business and Economic Review, 4(1). http://journal.stebilampung.ac.id/index.php/jiber
Salim, A. (2003). Asuransi dan Manajemen Risiko (7th ed.). PT RajaGrafindo Persada.
Samsu. (2017). Metode penelitian: teori dan aplikasi penelitian kualitatif, kuantitatif, mixed methods, serta research & development . Pusat Studi Agama dan Kemasyarakatan (PUSAKA).
Soemitra, A. (2010). Bank dan Lembaga Keuangan Syariah. Kencana.
Sugiyono. (2012). Metode Penelitian Bisnis. Alfabeta.
Sugiyono. (2020). Metode Penelitian Kualitatif (3rd ed.). Alfabeta.
Sula, S. M. (2004). Asuransi Syariah (Life and General): Konsep dan Sistem Operasional,. Gema Insani.
Susilo, L. (2018). Manajemen Risiko Berbasis ISO 31000 Untuk Industri Non Perbankan. . PPM Manajemen.
Syarifudin, S., Nurlailah, N., & Yudha, A. T. R. C. (2020). THE ALLOCATION OF TABARRU’ FUND UNDERWRITING SURPLUS OF IPLAN SHARIA PRODUCT IN PT. ASURANSI JIWA GENERALI INDONESIA. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(9), 1804. https://doi.org/10.20473/vol7iss20209pp1804-1817
Tarigan, A. A., & et al. (2012). Metode Penelitian Ekonomi Islam. La Tansa Press.
Toshmurzaevich, Y. O. (2020). Developing the Underwriting Process in Life Insurance. European Journal of Business and Management Research, 5(6). https://doi.org/10.24018/ejbmr.2020.5.6.657
Wahyudi, Imam, & et al. (2013). Manajemen Resiko Bank Islam. Salemba Empat.
Yusuf, A. M. (2017). Metode Penelitian Kuantitatif, Kualitatif & Penelitian Gabungan. Kencana.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 Islamic Economics and Business Review
![Creative Commons License](http://i.creativecommons.org/l/by/4.0/88x31.png)
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors can enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) before and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
![Creative Commons License](https://i.creativecommons.org/l/by/4.0/88x31.png)
This work is licensed under a Creative Commons Attribution 4.0 International License.