Strategi Pemasaran Produk Asuransi Syariah di PT. Prudential Life Assurance Cabang Kota Medan

Human life in modern times has various kinds of risks and dangers. Man himself does not know what will happen tomorrow and where he will die world. Insurance is a financial tool for managing home life, both in terms of facing an underlying risk, such as the chance of mortality, and in terms of protecting one's personal belongings. In the marketing process, a strategy is needed essential, the company's main target in a broad market reach. So that a strategy is required before entering the market, all of the plans have been consolidated, comprehensive, And included to make sure that the company's last purpose may be found out via the implementation of the suitable strategy. Study The reason for this observation is to choose and evaluate (segmentation, targeting, and positioning) at PT. Prudential Life Assurance Medan City Branch, in addition to to decide whether or not the advertising plan is carried out according with sharia advertising characteristics. This study employs a qualitative technique while doing descriptive research. The findings revealed that the market segmentation (segmenting) conducted by PT. Prudential Life Assurance Medan City Branch based on per market grouping region. To make it easier for Prudential to meet and greet its customers return. Targeting, in determining the target market covered by PT. Prudential Life Assurance Medan City Branch there is no certain limit, the company serves all market segment. Keywoard : Strategy, Marketing, Sharia Insurance, PT. Prudential Life Assurance Branch Medan City.

THE RULE OF LAW IN INDIAN ADMINISTRATIVE LAW VERSUS THE PRINCIPLE OF LEGALITY IN SOUTH AFRICAN ADMINISTRATIVE LAW: SOME OBSERVATIONS

The rule of law is expressly mentioned in the Constitution of the Republic of South Africa, 1996. The principle of legality has flourished in South African administrative law since its recognition and reception into our law in Fedsure Life Assurance Ltd v Greater Johannesburg Transitional Metropolitan Council 1999 (1) SA 374 (CC). The Indian Constitution does not contain an equivalent expression of the rule of law. Notably, how persons and societies in India govern themselves is premised upon beliefs akin to the rule of law. Moreover, Indian administrative law has been strongly influenced by the theory of the rule of law as advocated by Dicey. Whilst Indian administrative law relies heavily upon the rule of law to judicially review conduct that is capricious, South African administrative law has come to rely on the incident of the rule of law, namely the principle of legality. This contribution inspects some of the reasons why the rule of law is heavily relied on in Indian administrative law – where it essentially mirrors the South African administrative law principle of legality. This contribution also suggests reasons as to why the principle of legality is so prevalent in South African administrative law as opposed to merely the rule of law as employed by the Indian courts in Indian administrative law.

Permohonan Pailit oleh Konsultan Kepada PT. Prudential Life Assurance

Penelitian Penyelesaian Utang melalui Kepailitan (Studi Kasus Pada Putusan Mahkamah Agung Tentang PT. Prudential Life Assurance) dilakukan untuk mengetahui apakah dasar pertimbangan utama yang dipergunakan oleh Majelis Hakim untuk memutus permohonan kepailitan di Mahkamah Agung Republik Indonesia dalam putusan Nomor : 08/K/N/2004 dan Kewenangan Menteri Keuangan yang dapat mempailitkan Perusahaan Asuransi dapat mengakibatkan Perusahaan Asuransi Kebal Pailit. Kasus ini bermula dari perjanjian keagenan antara PT. Prudential dan Lee Boon Siong. Akhirnya Prudential memutuskan perjanjian sepihak karena Lee Boon Siong dianggap telah melanggar perjanjian keagenan. Penelitian ini adalah sebuah penelitian yuridis normatif, penelitian yang mengutamakan penelitian kepustakaan dan dokumen-dokumen untuk memperoleh data sekunder. Pendekatan normatif dalam penelitian ini dengan kaidah-kidah hukum yang berkaitan dengan masalah penyelesaian utang dalam kepailitan, sedangkan pendekatan yuridis digunakan dalam mengadakan analisa hukum terhadap fakta-fakta hukum untuk selanjutnya digunakan dalam permasalahan-permasalahan yang terkait dengan masalah Penyelesaian Utang melalui Kepailitan. Hasil penelitian menunjukkan bahwa : Putusan No. 13/PAILIT/ 2004/PN.NIAGA.JKT.PST jo. Putusan Nomor : 08/K/N/2004 telah membawa PT. Prudential Life Assurance kepada Kepailitan yang dimohonkan oleh Konsultan Lee Boon Siong, sehingga dengan peristiwa ini menyebabkan UU No.4/1998 tentang Kepailitan mengalami perubahan menjadi UU No.37 Tahun 2004 (UUK-PKPU), dimana kewenangan pengajuan permohonan Kepailitan bagi perusahaan asuransi tidak lagi diajukan oleh Kreditor, namun berada di tangan Menteri Keuangan. Namun dalam perkembangan selanjutnya setelah berlakunya UU No. 40 Tahun 2014 tentang Perasuransian (UU Perasuransian), permohonan Pernyataan Kepailitan dan PKPU terhadap perusahaan asuransi beralih dari kewenangan Menteri Keuangan kepada Otoritas Jasa Keuangan (OJK).

TINJAUAN HUKUM ISLAM TERHADAP PENERAPAN SISTEM WAKAF MENURUT FATWA NO. 106/DSN-MUI/X/2016

AbstrakPokok masalah dalam Penelitian ini mengkaji tentang bagaimana tinjauan hukum Islam terhadap penerapan system wakaf polis menurut fatwa No. 106 DSN-MUI/X/2016 di PT. Prudential Life Assurance Agency Prucahaya Makassar. Jenis penelitian ini adalah penelitian lapangan (field research) menggunakan metode kualitatif dimana dilakukan dengan pendekatan teologis normatif, sosiologis dan fenomenologi dengan sumber data dari PT. Prudential Life Assurance Agency Pruchaya Makassar, selanjutnya metode pengumpulan data yang dilakukan adalah observasi, wawancara, dokumentasi dan studi pustaka, kemudian teknik pengelolaan data dilakukan melalui beberapa tahapan diantaranya: reduksi data, melakukan pengelolaan data dan pengujian keabsahan data. Hasil penelitian ini menunjukkan bahwa bagaimana penerapan system wakaf polis di PT. Prudential Life Assurance Agency Prucahaya Makassar terdapat beberapa unsur terkait idalamnya yaitu, kesesuaian aturan fatwa terhadap pelaksanaan perusahaan Prudential Syariah yang bekerja sama dengan lembaga wakaf dalam mengelola dana yang diwakafkan. Kesesuaian pernyataan form ikrar wakaf di Prudential Syariah batas maksimal yang sesuai ketentuan fatwa pada wakaf manfaat sebesar 45% dan wakaf manfaat sebesar 1/3 dari keseluruhan kekayaan atau tirkah serta kesesuaian prinsip syariah pada akad wakaf yang digunakan pada kontrak polis menggunakan akad tabarru dan menggunakan akag wakalah bil ujrah sebagian manfaatnya boleh di wakafkan. Dalam hal ini system wakaf polis sebagai salah satu produk dari unik link syariah di PT. Prudential Life Assurance Agency Prucahaya Makassar telah sesuai dengan syariat Islam ditinjau dari fatwa No. 106 DSN-MUI/X/2016 tentang wakaf manfaat asuransi dan manfaat investasi.Kata Kunci: Fatwa, Hukum Islam, Sistem Wakaf. AbstractThe main problem in this research is reviewing how the review of Islamic law against the managementof the policy waqf system according to fatwaNo. 106 DSN-MUI/X/2016 in PT. Prudential Life Assurance Agency Prucahaya Makassar. This type of research is field research usingqualitativemethods which are carried out with normative theological, sociological and phenomenological approaches with data sources from PT. Prudential Life Assurance Agency Pruchaya Makassar,, then the method of data collection carried out is observation, interview, documentation and literature studies, then data management techniques are carried out through several stages including: data reduction, data management and data validity testing The results of this study show that how the implementation of the policy waqf system in PT. Prudential Life Assurance Agency Prucahaya Makassar there are several elements related to its idalam, namely, the suitability of fatwa rules against the implementation of Sharia Prudential companies that cooperate with waqf institutions in managing funds that are pledged. Conformity of waqf pledge form statement in Prudential Syariah maximum limit in accordance with the provisions of the fatwa on the waqf benefit of 45% and the waqf benefit of 1/3 of the overall wealth or tirkah and the suitability of sharia principles in the waqf contract used in the policy contract using tabarru agreement and using akag wakalah bil ujrah some of the benefits can be wakafkan. In this case the system wakaf polis as one of the products of unique sharia links in PT. Prudential Life Assurance Agency Prucahaya Makassar has been in accordance with Islamic law reviewed from fatwa No. 106 DSN-MUI/X/2016 on the endowment of insurance benefits and investment benefits.''Keywords: Fatwa, Islamic Law, Waqf System.

Fraud Prevention Mechanism: Enhancing From Religiosity, Whistleblowing Protection, and Whistleblowing Intention

This This research aims to determine fraud prevention from religiosity, protection whistleblower, and whistleblowing system perspectives. The population in this research was employees of PT Prudential Life Assurance. The population is taken without distinguishing gender, education, and work experience and taken from 43 as the total number of insurance employees. This study used saturated samples or census as the sampling technique, whereas all population employs as samples. The research data uses primary data obtained by researchers by giving questionnaires (structured questions) to insurance employees. The research analysis was conducted with multiple linear regression analysis. The results showed that religiosity and whistleblower prevention did not affect fraud prevention. The absence of the effect of whistleblower protection on fraud prevention shows that the protection for whistleblowers is not yet adequate. The existence of intimidation, injustice and law enforcement are reasons why individuals are reluctant to become whistleblowers. However, whistleblowing intention affects fraud prevention. These findings indicate that human actions are influenced by their intentions, attitudes and subjective norms.

INTRODUCING A LIFE ASSURANCE GUARANTEE SCHEME IN UKRAINE: FUNDING MECHANISM AND RISK-BASED ADJUSTMENT

Life insurance, as well as bank deposits, is a form of household savings, so contributions under life insurance contracts must be properly guaranteed by creating compensation mechanism. The paper deals with a number of issues in relation to the solutions for Ukrainian life insurance guarantee scheme (IGS). The main purpose of this study is to introduce decision on scheme design and appropriate fund-raising mechanism for Ukrainian IGS providing the last resort protection to customers who make their savings via life assurance contracts. Highlighting positive and negative effects of IGS implementation, analysing sources of funding for guarantee schemes, the research substantiates economic effects of risk-based approach to assessing contribution and proposes general scheme of estimating the insurer’s contribution to the IGS fund, in particular indicators for risk-based adjustment of IGS levies and adjustment procedures. Based on methods for calculating contributions to European deposit guarantee schemes, the article specifies technically sound methods for calculating contributions to IGS fund which capture various aspects of the insurers’ risk profile including capital adequacy, asset quality, liquidity and funding, profitability profile, business management, as well as the potential loss for the IGS and market circumstances. The methodology, proposed in the paper, is relevant not only for Ukraine, where the introduction of the IGS scheme for life assurance is only in perspective, but also for all other countries with existing IGS to implement risk-weighted approach to scheme setting that prompts insurers to control their risks, provides more effective and healthy competition. Keywords: life assurance, insurance guarantee scheme, policyholder protection, funding mechanism, risk-weighted contribution. JEL Classification G22, G33 Formulas: 5; fig.: 4; tabl.: 1; bibl.: 13.

Tanggung Jawab Hukum Perjanjian Asuransi Jiwa Unit Link di PT. Prudential Life Assurance Jakarta

This study aims to determine and understand how the legal liability of the Prudential Life Assurance Company in carrying out and marketing unit-linked life insurance products, namely insurance products that are linked to investment according to the prevailing laws and regulations. In addition, this study also aims to determine how the responsibility of agent who act for and on behalf of the company in entering into unit-linked insurance product agreements and what risks must be borne by the insurer and the insured against the unit-linked life insurance agreement. This research uses normative legal research with a statutory approach and a conceptual approach. The result of this research is that the unit linked insurance agreement is included in the agreement in general which contains the principle of consensualism, namely the existence of a voluntary agreement in this case to enter into an insurance contract agreement between the insurer and the insured. Prudential Indonesia in marketing unit-linked life insurance products has also complied with the provisions in the Financial Services Authority Circular Letter Number /SEOJK.05/2019 concerning Insurance Products Related to Investment.

Eksistensi Fatwa No.21/DSN-MUI/X/2001 Pada Asuransi Jiwa Syariah di PT. Prudential Life Assurance Cabang Ponorogo

This article aims to review the implementation of Fatwa No. 21 / DSN-MUI / X / 2001 concerning General Guidelines for Sharia Insurance in Insurance Institutions. Sharia life insurance is a type of life insurance whose application is based on the provisions of Islam. PT. Prudential Life Assurance is a sharia life insurance company. In carrying out its activities to develop customer funds, PT. Prudential Life Assurance invests. In practice, the investment and insurance percentage determination is carried out unilaterally by the agent. Determining the percentage of this investment will affect customers' cash value claims that do not match the illustration. More specifically, in this connection, the author will analyze two aspects. First, the analysis of Fatwa No.21 / DSN-MUI / X / 2001 regarding the General Guidelines for Islamic Insurance on the implementation of the investment system at PT. Prudential Life Assurance Ponorogo Branch? Second, the analysis of Fatwa No.21 / DSN-MUI / X / 2001 regarding the General Guidelines for Islamic Insurance on the payment of cash value claims for customers at PT. Prudential Life Assurance Ponorogo Branch? The author's type of research is field research using qualitative methods, while the data collection techniques used are interviews and documentation. The analysis used uses the deductive method, namely a discussion that begins with presenting arguments, theories or provisions that are general and then put forward a specific fact. From this research, it can be concluded that the implementation of the investment system at PT. Prudential Life Assurance at the Ponorogo branch is only limited to administration. Where the agent determines the percentage of insurance and investment unilaterally to get a hefty fee, this is not following the DSN fatwa No.21 / DSN-MUI / X / 2001, which reads "investment must be made under sharia." Meanwhile, regarding the payment of cash value claims from customers that do not match the illustration, it follows the DSN fatwa No.21 / DSN-MUI / X / 2001, which reads "different claims in the amount according to the premium paid."Artikel ini bertujuan untuk mengkaji implementasi Fatwa No. 21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syariah Pada Lembaga Perasuransian. Asuransi jiwa syariah adalah jenis asuransi jiwa yang penerapannya berdasarkan ketentuan Islam. PT. Prudential Life Assurance adalah perusahaan asuransi jiwa syariah. Dalam menjalankan kegiatannya untuk mengembangkan dana nasabah, PT. Prudential Life Assurance berinvestasi. Dalam praktiknya, penentuan persentase investasi dan asuransi dilakukan secara sepihak oleh agen. Penetapan persentase investasi ini akan mempengaruhi klaim nilai tunai nasabah yang tidak sesuai dengan ilustrasi. Lebih khusus lagi, dalam hubungan ini, penulis akan menganalisis dua aspek. Pertama, analisis Fatwa No.21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syariah Tentang Penerapan Sistem Investasi Pada PT. Prudential Life Assurance Cabang Ponorogo? Kedua, Analisis Fatwa No.21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syariah Tentang Pembayaran Klaim Nilai Tunai Bagi Nasabah Pada PT. Prudential Life Assurance Cabang Ponorogo? Jenis penelitian penulis adalah penelitian lapangan dengan menggunakan metode kualitatif, sedangkan teknik pengumpulan data yang digunakan adalah wawancara dan dokumentasi. Analisis yang digunakan menggunakan metode deduktif, yaitu pembahasan yang diawali dengan mengemukakan argumentasi, teori atau ketentuan yang bersifat umum kemudian dikemukakan suatu fakta yang spesifik. Dari penelitian ini dapat disimpulkan bahwa penerapan sistem investasi pada PT. Prudential Life Assurance di cabang Ponorogo hanya sebatas administrasi. Dimana agen menentukan persentase asuransi dan investasi secara sepihak untuk mendapatkan fee yang besar, hal ini tidak sesuai dengan fatwa DSN No.21/DSN-MUI/X/2001 yang berbunyi “investasi harus dilakukan secara syariah”. Sedangkan mengenai pembayaran klaim nilai tunai dari nasabah yang tidak sesuai dengan ilustrasi, mengikuti fatwa DSN No.21/DSN-MUI/X/2001 yang berbunyi “beda klaim besarnya sesuai dengan premi yang dibayarkan”.

Pengaruh Insentif, Motivasi, dan Disiplin Kerja Terhadap Kinerja Karyawan di PT Prudential Life Assurance Dp3 Denpasar

Permasalahan mengenai kinerja karyawan di PT Prudential Life Assurance Dp3 Denpasar menjadi perhatian dalam penelitian ini. Kinerja pegawai sangat penting dalam rangka mendukung dan mewujudkan kemajuan korporasi, sehingga dalam penelitian ini faktor inesentif, motivasi dan disiplin kerja diteliti sebagai faktor yang diduga dapat menentukan kinerja pegawai pada di PT Prudential Life Assurance Dp3 Denpasar. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh insentif, motivasi, dan disiplin kerja terhadap kinerja karyawan di PT Prudential Life Assurance Dp3 Denpasar. Metode penelitian menggunakan analisis kuantitatif dengan pendekatan analisis regresi linier berganda. Populasi penelitian sebanyak 179 orang, pengambilan sampel menggunakan metode random sampling dan jumlah sampel 50 responden Hasil penelitian menunjukkan bahwa secara parsial (uji t) variabel bebas Insentif dan Motivasi berpengaruh signifikan terhadap Kinerja Karyawan, dan untuk Disiplin Kerja tidak berpengaruh dan tidak signifikan terhadap Kinerja Karyawan dan secara simultan (uji F) menunjukkan bahwa terdapat pengaruh yang signifikan antara variabel Insentif , Motivasi , dan Disiplin Kerja terhadap Kinerja Karyawan di PT Prudential Life Assurance Dp3 Denpasar. Pengaruh ini bersifat simultan maupun parsial.