JOSR: Journal of Social Research
November 2022, 1 (12), 582-588
p-ISSN: 2827-9832 e-ISSN: 2828-335x
Available online at http:// https://ijsr.internationaljournallabs.com/index.php/ijsr
http://ijsr.internationaljournallabs.com/index.php/ijsr
ANALYSIS OF EFFICIENCY AND QUALITY
IMPROVEMENTS SUPERIOR PRODUCTS OF SYARIAH
GENERAL INSURANCE AT PT. JASINDO SYARIAH KP. MEDAN
Sindi Novita Sari, Rahmi Syahriza
Faculty of Economics and Islamic Business, North Sumatra State Islamic University
sindinovitasari3105@gmail.com, rahmi.syahriza@uinsu.ac.id
Abstract (Indonesia)
Received:
Revised :
Accepted:
November 26,
2022
November 29,
2022
December 01,
2022
Latar Belakang: PT. Jasindo Syariah Kp. Medan
merupakan jenis lembaga asuransi umum syariah yang ada
di Medan, Sumatera Utara yang memiliki produk unggulan
sehingga mampu menarik masyarakat untuk menjadi
anggota asuransi. Agar dapat terus mempertahankan produk
unggulan PT. Jasindo Syariah Kp. Medan, menyebabkan
lembaga ini diharuskan bisa berkompetisi dengan
kompetitornya yang ada di kota Medan.
Tujuan: Sehingga tujuan dari riset ini adalah memahami
cara meningkatkan efisiensi dan kualitas produk unggulan
asuransi umum syariah di PT. Jasindo Syariah Kp. Medan
Metode: Diaplikasikan metode deskriptif kualitatif, serta
menerapkan metode wawancara dan diskusi mendalam,
sedangkan untuk teknik analisis data berfokus kepada kajian
metodologi secara kualitatif, misalnya pereduksian data,
penyajian hingga penarikan konklusi. Berdasarkan riset ini
dihasilkan data bahwa produk unggulan yang menjadi
primadona di PT. Jasindo Syariah Kp. Medan adalah properti
khususnya produk kebakaran.
Hasil: Untuk meningkatkan efisiensi dan kualitas produk
unggulan, biasanya PT. Jasindo Syariah Kp. Medan
mempertimbangkan dari segi permintaan pasar dari produk
kebakaran, meningkatkan pelayanan agar nasabah tetap
memilih produk unggulan yaitu produk kebakaran, serta
kebijakan dari kantor pusat, pertimbangan DPS dan DSN-
MUI.
Kesimpulan: Di PT. Jasindo Syariah Kp. Medan yang
menjadi produk unggulannya adalah produk properti
khususnya produk kebakaran yang menjadi primadona sejak
awal Januari 2021 hingga sekarang. Data jumlah nasabah
yang memilih produk kebakaran dari PT. Jasindo Syariah
Kp. Medan pada periode Januari-Desember 2021 sebanyak
Sindi Novita Sari, Rahmi Syahriza / JOSR: Journal of Social Research, 1(12), 582-588
Analysis of Efficiency and Quality Improvements Superior Products of Syariah
General Insurance at Pt. Jasindo Syariah Kp. Medan 583
325 nasabah, sedangkan pada periode Januari-Februari 2022
sebanyak 55 nasabah
Kata kunci: Asuransi Syariah, Asuransi Umum Syariah,
Efisiensi, Kualitas Produk Unggulan
Abstract (English)
Background: PT. Jasindo Syariah Kp. Medan is a type of
sharia general insurance institution in Medan, North
Sumatra that has superior products so that it can attract
people to become insurance members. In order to continue
to maintain the superior products of PT. Jasindo Syariah
Kp. Medan, caused this institution to be able to compete
with its competitors in the city of Medan.
Objective: The purpose of this research is to understand
how to improve the efficiency and quality of superior
products of sharia general insurance in PT. Jasindo
Syariah Kp. Medan
Methods: Qualitative descriptive methods are applied, as
well as applying interview methods and in-depth
discussions, while data analysis techniques focus on
qualitative methodological studies, for example, data
reduction, presentation to conclusion drawing. Based on
this research, data was produced that superior products are
excellent in PT. Jasindo Syariah Kp. Medan is a property,
especially fire products.
Results: To improve the efficiency and quality of superior
products, it is usually PT. Jasindo Syariah Kp. Medan
considers in terms of market demand for fire products,
improving services so that customers continue to choose
superior products, namely fire products, as well as policies
from the head office, DPS, and DSN-MUI considerations.
Conclusion: At PT. Jasindo Syariah Kp. Medan, which is
its superior product, is property products, especially fire
products which have become excellent since early January
2021 until now. Data on the number of customers who
choose fire products from PT. Jasindo Syariah Kp. Medan
in the January-December 2021 period was 325 customers,
while in the January-February 2022 period, there were 55
customers
Keywords: Sharia Insurance, Sharia General Insurance,
Efficiency, Superior Product Quality
*Correspondent Author: Sindi Novita Sari
Email: sindinovitasari3105@gmail.com
Sindi Novita Sari, Rahmi Syahriza / JOSR: Journal of Social Research, 1(12), 582-588
Analysis of Efficiency and Quality Improvements Superior Products of Syariah
General Insurance at Pt. Jasindo Syariah Kp. Medan 584
INTRODUCTION
Currently, the sharia insurance industry is experiencing fairly rapid development
(Sarah et al., 2019). Sharia insurance is quite well-known in both Muslim and non-Muslim
communities (Coolen‐Maturi, 2013). The more developed the times, the more humans are
aware of the importance of insurance (El-Jardali et al., 2014). Sharia insurance has a variety
of benefits ranging from providing security protection, can be used as old-age savings,
fairer distribution of costs, and obtaining an increase in business operations through the
investment process of insurance companies in accordance with sharia principles on the
specifications of certain types of businesses (Soemitra, 2018). In terms of insurance, the
sharia insurance system has been realized because almost all Islamic bank affairs require
insurance as a guarantee of protection for Muslim customers of the importance of insurance
services.
There are several types of insurance, one of which is general insurance (Smeets et
al., 2011). General insurance provides coverage services for the risk of compensation due
to damage, loss, loss of profits, and legal liability to third parties that may be suffered by
the policyholder (insured) due to uncertainty in the future. With uncertain events that
encourage people to choose the right insurance product according to their needs and a
product must be efficient and of high quality (Fatwa Dewan Syariah Nasional No.21/DSN-
MUI/X/2001, n.d.).
PT. Asuransi Jasindo Syariah Kp. Medan is a general insurance company located
on Jalan Pulau Pinang No. 4 Medan, North Sumatra which has several superior products
seen as attractive by the public as users of these products. Superior products from PT.
Asuransi Jasindo Syariah Kp. Medan is a property, especially fires, which have become
prima donnas today from early January 2021 until now.
In order to continue to maintain the superior products of PT. Jasindo Syariah Kp.
Medan, the company must improve the efficiency and quality of these superior products
and must be able to compete with general insurance companies in the city of Medan.
The formulation of the problem studied refers to the background above is How to
improve the efficiency and quality of superior products of sharia general insurance at PT.
Jasindo Syariah Kp. Medan.
The implementation of the research aims to find out how to improve the efficiency
and quality of superior products of sharia general insurance at PT. Jasindo Syariah Kp.
Medan.
RESEARCH METHODS
This research was conducted at PT. Jasindo Syariah Kp. Medan. The time of study
was conducted in February 2022. This research focuses on the scope of efficiency and
product quality levels.
The author uses a type of qualitative descriptive research related to the analysis of
improving the efficiency and quality of superior products of sharia general insurance in PT.
Jasindo Syariah Kp. Medan. The superior product in question is property insurance
products, especially fire (Sugiyono, 2016).
The data collection techniques used are interviews and in-depth discussions with
the heads of marketing, marketing, finance, and engineering of PT. Jasindo Syariah Kp.
Medan. In order to obtain data on the efficiency and quality of superior products, the
authors used methods of observation and data search on the company's computers.
Sindi Novita Sari, Rahmi Syahriza / JOSR: Journal of Social Research, 1(12), 582-588
Analysis of Efficiency and Quality Improvements Superior Products of Syariah
General Insurance at Pt. Jasindo Syariah Kp. Medan 585
The data analysis techniques used refer to the rules of qualitative methodology in
general such as data reduction, data presentation, and decision-making (Hasson et al.,
2000).
RESULTS AND DISCUSSION
Based on the results of research that has been carried out, superior products from PT.
Jasindo Syariah Kp. Medan is a property product, especially fire products that have become
prima donna since early January 2021 until now. Fire products are a priority for all general
insurance companies because of the infrequent occurrence of claims. The less frequent
claims occur, the more free the company can manage customer money. The company is
trying to mitigate the risk of losses because it is clear that there are rules from the OJK
(Financial Services Authority).
Fire products are in principle more towards business because the object is
entrepreneurs who own warehouses, factories, and other businesses that when covered are
fires instead of covering other than fires (Cohen, 1993).
PT. Jasindo Syariah Kp. Medan has many customers who are interested in fire
products. PT. Jasindo Syariah Kp. Medan cooperates with Islamic banks. In Banking, many
customers collateralize their homes to banks to make loans. So the customer's house must
be covered by Jasindo Syariah Kp. Medan insurance.
Data on the Number of Fire Insurance Customers
The data below is data on the number of customers of fire insurance products at PT.
Jasindo Syariah Kp. Medan
YEAR 2021
JANUARY-DECEMBER PERIOD
YEAR 2022
JANUARY-FEBRUARY PERIOD
325
Customer
55
Customer
Source: PT. Jasindo Syariah Kp. Medan
The table above explains that in January-December 2021, fire insurance products at
PT. Jasindo Syariah Kp. Medan has 325 customers. Meanwhile, in January-February 2022,
it has 55 customers. It is known in early January-February PT. Jasindo Syariah Kp. Medan
already has 55 customers only for superior products, namely fire insurance products, there
are still 10 months left until the end of 2022 to increase the number of customers of fire
insurance products.
Improving the Efficiency and Quality of Jasindo Syariah Insurance Superior
Products Kp. Medan
To improve the efficiency and quality of superior products, usually PT. Jasindo
Syariah Kp. Medan considers the following
1. Market Demand of Fire Products
According to the marketing division of PT. Jasindo Syariah Kp. Medan, The market
demand for fire products is seen from the increase in Bank loans by customers. If the
customer borrows money from the Bank, there is always a guarantee. The guarantee can be
in the form of a house, shop, factory, and so on. The form of guarantee is insured by the
Bank to a general insurance company. The market demand for fire products has greatly
increased during this pandemic because many businesses have reduced their income so that
many have closed (Rupani et al., 2020). With the pandemic, buildings and shops have
Sindi Novita Sari, Rahmi Syahriza / JOSR: Journal of Social Research, 1(12), 582-588
Analysis of Efficiency and Quality Improvements Superior Products of Syariah
General Insurance at Pt. Jasindo Syariah Kp. Medan 586
become empty so that there are no residents living in them, which can trigger fires caused
by negligence in throwing cigarette butts carelessly or there is an electrical network in the
store or the building has suffered damage that no one knows about. Of course, the risk of
fire is so increased that it triggers the owner to insure the building and the store. Market
demand is always growing and general (general) insurance is invading with its products
according to market demand, insurance is related to shifting people's lifestyles and
government regulations related to the insurance business and so on.
2. Improving Services so that Customers Continue to Choose Superior Products,
namely Fire Products
To improve services so that customers continue to choose superior products, namely
fire products from PT. Jasindo Syariah Kp. Medan, then the company must make a strategy.
The strategy is in the form of:
1) Fast and Responsive Service
PT. Jasindo Syariah Kp. Medan strives to be fast and responsive in responding to
customers who will become insurance participants, especially fire products. It is known
that customers of this fire product are insured in the form of building properties, shops,
warehouses and even factories with high risks and premiums are classified as high
according to the type of building.
2) Ensuring Fire Products Are Superior To Other Products
PT. Jasindo Syariah Kp. Medan strives to make fire products remain excellent in the
following years because these products become superior products, triggering customers to
choose these products.
3) Providing the Best Service and Providing Fire Insurance Discounts
PT. Jasindo Syariah Kp. Medan strives to provide the best service to customers by
paying attention to the needs of its customers so that many customers are interested in
buying products from PT. Jasindo Syariah Kp. Medan. Jasindo Syariah Kp. Medan. PT.
Jasindo Syariah Kp. Medan is required to provide discounts in the form of discounts,
souvenirs in the form of keychains or stickers. If the insurance customer/participant closes
the fire insurance premium which is Rp. 250,000, the customer gets a free electricity token
of Rp. 100,000.
4) Setting a Lower Limit Premium Rate
PT. Jasindo Syariah Kp. Medan provides basic premiums for participants in
accordance with the provisions of OJK Number 6 / SEOJK.05 / 2017 (Regarding the
determination of premium rates or contributions to the property insurance and motor
vehicle insurance business lines in 2017) in every closing of fire property insurance
regulated by the OJK (Financial Services Authority), so that customers do not have too
much objection to the premiums given.
5) Proactive with Customers Who Are Almost Due The Term of the Policy
The company must actively ask for customer policies that are almost due. Before the
customer's policy that chooses a fire insurance product matures, the company must
immediately ask the customer whether to extend the policy or not. The main thing that
companies must do so that customers continue to choose fire products is to know what
obstacles occur so that customers choose fire products. For example, customers have
factories, shops, warehouses, and so on that have a high potential for fire, so the company's
job is to ensure that customers are interested in choosing fire products from PT. Jasindo
Syariah Kp. Medan.
Insurance has the principle of being fast and precise. So who is fast according to the
request and he is right then he will be prioritized. When a customer requests a policy to
Jasindo Syariah Kp. Medan, the company will strive for the policy to be issued immediately
according to the customer's request. As soon as the customer requests a policy, the company
immediately processes and then issuance, especially for priority customers, then the
business is large and sustainable every month and every year always becomes an insurance
customer of Jasindo Syariah Kp. Medan.
Sindi Novita Sari, Rahmi Syahriza / JOSR: Journal of Social Research, 1(12), 582-588
Analysis of Efficiency and Quality Improvements Superior Products of Syariah
General Insurance at Pt. Jasindo Syariah Kp. Medan 587
3. Head Office Policy, DPS and DSN-MUI Considerations
All product policies follow the policy of the head office. So all product innovations
are at the head office precisely in the marketing division. Marketing that describes how
Jasindo Syariah Kp. Medan's superior insurance products, namely fire products running in
the market, are what they look like. Then there are considerations from DPS (Sharia
Supervisory Board) and DSN-MUI (National Sharia Council of the Indonesian Ulema
Council), and so on. This innovates PT. Jasindo Syariah Kp. Medan to develop better
products in the future and be able to compete in the sharia insurance market.
According to the head of representative, engineering, finance and marketing, the
superior products of PT. Jasindo Syariah Kp. Medan is a fire product. The improvement of
this product is already efficient and has good quality among customers so that many
customers are interested in choosing fire products.
CONCLUSION
At PT. Jasindo Syariah Kp. Medan, which is its superior product, is property
products, especially fire products which have become excellent since early January 2021
until now. Data on the number of customers who choose fire products from PT. Jasindo
Syariah Kp. Medan in the January-December 2021 period was 325 customers, while in the
January-February 2022 period there were 55 customers. The advantages of the product are
obviously properties and losses, but the superior product is the property, especially the fire
product. As soon as a customer asks for a policy, the company immediately processes it
and then issues it specifically for priority customers, then the business is large and
sustainable every month and every year always becomes an insurance customer of Jasindo
Syariah Kp. Medan. Marketing (marketing) which describes how the superior product of
Jasindo Syariah Kp. Medan insurance is what kind of fire products on the market. Jasindo
Syariah Kp. Medan strives to develop better products in the future and can compete in the
sharia insurance market.
Based on the results of the analysis, researchers advise the need for further research
on the analysis of improving the efficiency and quality of superior products of sharia
general insurance in order to be able to understand the problems analyzed against what
products become the superior products of sharia general insurance every year.
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