TINAJUAN HUKUM ISLAM TERHADAP PELAKSANAAN ASURANSI PEMBIAYAAN MURABAHAH DI BPRS X PROVINSI RIAU

Financial insurance in Islamic banking is carried out as one of the risk management as an effort to maintain bank stability. Based on OJK regulations Number 23/POJK.03/2018 regarding Application of Risk Management for Sharia Rural Banks (BPRS), BPRS have to carry out the process of identification, measurement, monitoring and risk control of all material risk factors. This research is a field research through a normative juridical approach. This research aims to see the implementation of financing insurance in BPRS X and to see the suitability of the implementation of financing insurance against Sharia principles. The results showed that the implementation of murabahah financing insurance at BPRS X is optional. The customer can choose not to pay for life insurance and assign responsibility to the heirs if the customer dies. However, in practice the Bank continues to register insurance even without the consent of the customer. So that the implementation of financing insurance at BPRS X is not fully in accordance with Islamic law. Because in Fiqh study, the practice of Murabahah is carried out by prioritizing the principles of honesty, transparency, openness and Islamic values.

From service areas to empty transport corridors? The impact of border openings on service and retail facilities at Polish-Czech border crossings

Long-term changes in the development of service establishments in the vicinity of the border crossing points on the Polish-Czech border are discussed in this paper. These changes are the result of the border being opened and subsequent economic integration. A series of panel studies, which took place in 1995, 2000 and 2016, analysed of the locations and types of service establishments located within a half kilometre of 18 Polish-Czech border crossings. Given the increasing ease of crossing the border and the maintenance of passport and customs controls, the number of service and retail establishments increased until 2000. After the abolition of passport control in 2007, this number has decreased at many border crossings, with the most significant decreases in financial, insurance-related and commercial facilities (small shops). Most crossings have become little more than transport corridors that offer no important service functions. The total number of cultural, recreational and tourism-related establishments, however, has increased, mainly at border crossings located in towns and villages. The most important changes in service developments at the Polish-Czech border are discussed, as well as the probable reasons for these changes. The results may prove useful for spatial planning in municipalities that are located on the borders of countries undergoing political and economic integration.

FINANCIAL INSURANCE FOR ENTERPRISES – ANALYSIS OF DEMAND AND SUPPLY

The aim of the article is to assess changes in the enterprises’ demand for financial insurance. The analysis covered expenses incurred by business entities on purchase thereof and supply by the entity. Data used in the study came from secondary sources published in studies by the Polish Financial Supervision Authority (KNF), the Polish Chamber of Insurance (PIU) and the Central Statistical Office (GUS). Furthermore, information from the studies-related literature has been included. The time period of studies covered the years 2005–2018. Selected types of insurance included in financial insurance have been presented herein and industries which these products are especially targeted at have been indicated. Moreover, supply by entities has been discussed with an indication of insurers who hold a leading position in the financial insurance sales in Poland. It has been stated that the demand (by value) for financial insurance in the years 2005–2018 was growing. The amount of the gross premium written in 2018 was twice as high as in 2005 and amounted to PLN 1.09 billion. Furthermore, it has been determined that the highest average dynamics of market growth concerned insurance from various financial risks (group 16), which are usually offered jointly with other insurance products, but also the dynamics of expenses incurred on purchasing surety was over 200%, whereas, in 2018 it was even 360%.

The change in the sectoral structure of employed persons by voivodships

The aim of this paper is to identify the regularities in the pattern of changes in the employment structure by economic sectors in Polish voivodships in the period of 2010–2016. The researchuses the data on persons employed by the actual workplace in six economic sectors (groups of sections), obtained from Statistics Poland. The research determines the degree of similarity between the sectoral structure of employment of each examined voivodship and such structure of whole Poland. The diversity of percentages of persons employed in particular economic sectors within each examined voivodship was determined using the Herfindahl-Hirschman relative index. The research also examines the similarity of sectoral structures of employment in voivodships in the chain ap-proach (year-on-year), using the similarity measure of structures. The voivodships were grouped according to the degree of similarity of structures, which, in turn, made it possible to identify the voivodships where the changes observed in the analysed period were most and least significant. The research demonstrates that in the years 2010–2016, the changes in the structure of employment by economic sectors in the examined voivodships took place relatively slowly, and that in most voivodships, the employment rate in agriculture decreased, while in services for financial, insurance and real estate sectors, it increased. The highest diversification in the structure of employment was observed in Lubelskie voivodship, andthe lowest in Małopolskie voivodship. The most dynamic changes in the sectoral structure of employment were observed at the beginning of the analysed period (2011/2010), whereas towards its end, these changes became slower.

Direct Primary Care in 2015

Introduction. Direct primary care (DPC), a fee for membershiptype of practice, is an evolving innovative primary caredelivery model. Little is known about current membershipfees, insurance billing status, physician training, and patientpanel size in DPC practices. This study aimed to obtain currentdata for these variables, as well as additional demographicand financial indicators, and relate the findings to the HealthyPeople 2020 goals. It was predicted that DPC practices would(1) submit fewer claims to insurance, (2) have decreased membershipfees, (3) be primarily family medicine trained, and(4) have increased the projected patient panel size since 2005. Methods. An electronic survey was sent to DPC practices(n = 65) requesting location, membership fees, projectedpatient panel size, insurance billing status, training,and other demographic and financial indicators. Datawere aggregated, reported anonymously, and compared totwo prior characterizations of DPC practices done in 2005. Results. Thirty-eight of 65 (59%) practices responded to the2015 survey. The majority of respondents (84%) reported usingan EMR, offering physician email access (82%), 24-hour access(76%), same day appointments (92%), and wholesale labs (74%).Few respondents offered inpatient care (16%), obstetrics (3%),or financial/insurance consultant services. Eighty-eight percent(88%) of practices reported annual individual adult membershiprates between $500 and $1,499, decreased from 2005 where81% reported greater than a $1,500 annual fee. The proportion ofpractices who submit bills to insurance decreased from 75% in2005 to 11% in 2015. Fifty-six percent (56%) of practices reportedprojected patient panel size to be greater than 600, increasedfrom 40% in 2005. Family medicine physicians represented 87%of respondents, markedly different from 2005 when 62 - 77% ofDPC respondents were general internal medicine physicians. Conclusions. Most DPC practices no longer submit to insuranceand are family medicine trained. Comparedwith the previous sampling, DPC practices report decreasedmembership fees and increased projected panelsize. These trends may signify the DPC movement’sgrowth in application and scope. KS J Med 2017;10(1):3-6.