The purpose of this study is to theoretically examine the various constraints of sharia marketing in Indonesia in the general sector, banking, and insurance. The method used is a descriptive method by studying literature and realistic phenomena that develop in Indonesia. Data analysis was performed using four stages of descriptive analysis. Based on the results of the study, it can be concluded that the marketing constraints in Indonesia can be classified into two major typologies, namely the constraints of Muslim internal marketing itself (micro) and from the outside (macro). Constraints from within can be overcome by increasing the capacity of all Islamic resources owned. Meanwhile, external constraints are overcome by suggesting to the government, the Ministry of Finance, BI, and the FSA to always increase its support for the Islamic economy in the form of regulations and other support.==============================================================================================Analisis Hambatan Marketing Syariah di Indonesia. Tujuan dari penelitian ini adalah untuk menguji secara teoritis berbagai kendala pemasaran syariah di Indonesia di sektor umum, perbankan dan asuransi. Metode yang digunakan adalah metode deskriptif dengan mempelajari literatur dan fenomena realistis yang berkembang di Indonesia. Analisis data dilakukan dengan menggunakan empat tahap analisis deskriptif. Berdasarkan hasil penelitian, dapat disimpulkan bahwa kendala pemasaran di Indonesia dapat diklasifikasikan menjadi dua tipologi utama, yaitu kendala pemasaran internal Muslim itu sendiri (mikro) dan dari luar (makro). Kendala dari dalam dapat diatasi dengan meningkatkan kapasitas semua sumber daya Islam yang dimiliki. Sementara itu, kendala eksternal diatasi dengan menyarankan kepada pemerintah, Kementerian Keuangan, BI, dan FSA untuk selalu meningkatkan dukungannya bagi ekonomi Islam dalam bentuk regulasi dan dukungan lainnya.
This study aims to reveal the impact of liberalization on innovation, performance, and the level of competition for insurance industry players in Indonesia based on insurance data from 2006 to 2018. The research method used is quantitative with the support of panel data. The analysis technique to explain the findings uses an aggregate model and Threshold Regression analysis. Descriptive and econometric research types were chosen to make it easier to explain the findings. From the results of data analysis using three experimental models, it shows three findings. First, in the aggregate, there is a significant negative relationship between liberalization and innovation. In the Threshold Regression model, a negative impact occurs on companies with low premium income, whereas in high premium income companies, the result is positive. This is due to the availability of resources to large companies to optimize the adaptation of liberalization in terms of innovation. Second, higher liberalization can encourage insurance companies to perform more efficiently and increase net premium income. Third, the negative impact of liberalization on competition shows that the higher the deregulation, the lower the game. These findings indicate that in the aggregate, global insurance financial liberalization has had a significant impact on the development of the insurance industry sector in Indonesia. However, liberalization can be different for groups of small companies and groups of large companies. The expected implication is that the government needs to adopt a long-term policy strategy that can encourage the sustainability of insurance companies: both high-income companies and low-premium-income companies. Besides this, it is hoped that insurance companies pay more attention to innovation, significantly improving the quality of human resources as a competitive advantage in facing global competition.
Efektivitas Pelayanan Calon Pekerja Migran Indonesia Pada Layanan Terpadu Satu atap Dinas Tenaga Kerja dan Transmigrasi Kabupaten Subang merupakan amanat Undang-undang Republik Indonesia Nomor 18 Tahun 2017 tentang Pelindungan Pekerja Migran Indonesia. Dinas Tenaga Kerja dan Transmigrasi Kabupaten Subang memiliki tanggung jawab mengenai Pembinaan dan Pelayanan terhadap para calon pekerja migran dari mulai registrasi sampai berkas akhir pemberangkatan ke lokasi atau tujuan dia bekerja. Penelitian yang dilakukan bersifat deskriptif yaitu untuk mendapatkan data yang objektif dalam rangka mengetahui dan memahami efektifitas pelayanan Calon Pekerja Migran dengan studi Pada Dinas Tenaga Kerja dan Transmigrasi Kabupaten subang. Adapun informan adalah Kepala Bidang Penempatan Kerja, Bagian Layanan Calon Pekerja Migran dan calon pekerja migran yang tercatat di Dinas Tenaga Kerja dan Transmigrasi Kabupaten subang. Berdasarkan penelitian diketahui bahwa Efektivitas Pelayanan Calon Pekerja Migran Indonesia Pada Layanan Terpadu Satu Atap Dinas Tenaga Kerja dan Transmigrasi Kabupaten Subang dinilai belum efektif hal ini dikarenakan dimensi efektivitas menurut Sondang P Siagian (1996:60) mengenai Pengukuran efektivitas diantaranya Faktor Waktu, Faktor Kecermatan dan Faktor gaya Pemberian Layanan belum sepenuhnya dijalankan oleh para pegawai. Effectiveness of the Services of Prospective Indonesian Migrant Workers in Integrated Services One roof of the Subang Regency Manpower and Transmigration Office is mandated by Law of the Republic of Indonesia Number 18 of 2017 concerning Protection of Indonesian Migrant Workers. The Subang Regency Manpower and Transmigration Office has the responsibility regarding the Development and Services of prospective migrant workers from the registration to the final documents of departure to the location or destination for their employment. The research is descriptive in nature, namely to obtain objective data in order to know and understand the effectiveness of the services of prospective migrant workers by studying the Subang District Manpower and Transmigration Office. The informant is the Head of Work Placement, Service Section for Prospective Migrant Workers and prospective migrant workers registered at the Subang Regency Manpower and Transmigration Office. Based on the research, it is known that the Effectiveness of Indonesian Migrant Workers Prospective Services in the One-Stop Integrated Service of the Subang Regency Manpower and Transmigration Office is considered ineffective because of the effectiveness dimension according to Sondang P Siagian (1996: 60) regarding the measurement of effectiveness including Time Factor, Accuracy Factor and Factor the style of Service Delivery has not yet been fully carried out by employees.
Kinerja pegawai Bank Saudara Cabang Subang dalam penyaluran kredit pensiun merupakan kemampuan Bank Saudara Cabang Subang termasuk didalamnya kinerja pimpinan, kinerja pegawai dan staf-stafnya dalam menjalankan fungsi dan tugas dalam mencapai tujuan yang ingin dicapai sesuai dengan visi, misi, tujuan dan sasarannya. Kredit pensiun/pembiayaan yang diberikan oleh perbankan kepada nasabah yang fleksibel tapi belum maksimum. Penelitian dilakukan untuk mengetahui bagaimana kinerja pegawai dalam penyaluran Kredit pension pada Bank saudara Cabang Subang. Penelitian dilakukan di wilayah kerja Bank Saudara Cabang Subang dengan menggunakan pendekatan penelitian kualitatif. Penentuan informan melalui teknik Purposive Sampling yaitu jenis sampel yang pemilihannya didasarkan atas kriteria tujuan dan manfaatnya. Serta yang dijadikan informan adalah Kepala cabang !masyarakat. Teknik pengumpulan data meliputi wawancara mendalam dan observasi. Validitas data dengan menggunakan Triangulasi Data. Teknis analisi data meliputi reduksi data,penyajian dan penarikan kesimpulan. Berdasarkan penelitian, diperoleh hasil bahwa kinerja pegawai dalam penyaluran kredit pensiun Bank saudara cabang Subang diukur menggunakan indikator yaitu produktivitas, kualitas layanan, responsivitas, responsibilitas dan akuntabilitas. Dan indikator tersebut responsivitas yang masih perlu ditingkatkan karena masyarakat masih merasa respon yang diberikan kepada masyarakat masih dirasa kurang optimal. The purpose of this research is to conduct research to determine the effect of retirement lending fund in the Bank Saudara Branch Subang that service quality on customer satisfaction is low. Because of that problems the writer is curios to study that problem by this research, authors use qualititative methods to approach explanation. Bank Saudara employee performance Branch Subang retired in lending is the Bank's ability Saudara Branch Subang including performance management, employee performance and its staff in carrying out the functions and tasks in achieving the objectives to be achieved in accordance with the vision, mission, goals and objectives. Pension credit / financing granted by banks to customers flexible but not the maximum. The study was conducted to determine how the employee's performance in the distribution of pension Credit Bank Saudara Branch Subang. Research carried out in the region of the branch corm using qualitative research approaches. Determination of informants through purposive sampling technique that is the type of samples whose election is based on objective criteria and benefits. As well as being used as informants is the Head of the branch! Community. Data collection techniques include in-depth interviews and observation. The validity of the data using Data Triangulation. Technical analysis of the data include data reduction, presentation and conclusion. Based on research, the result that the performance of employees in the Bank's Saudara pension lending branch Subang measured using indicators such as productivity, quality of service, responsiveness, responsibility and accountability. And the responsiveness of the indicators that still need to be improved because people still feel the response given to the community is still considered less than optimal.
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