Artykuły w czasopismach na temat „Mutual Safety Insurance Company”
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1
Zein, Sany R., i Frank Navin. "Road Safety Engineering: Role for Insurance Companies?" Transportation Research Record: Journal of the Transportation Research Board 1734, nr 1 (styczeń 2000): 7–11. http://dx.doi.org/10.3141/1734-02.
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Over the last 10 years there has been a growing trend among automobile insurance companies to become involved in road safety engineering programs. While the involvement of insurance companies in driver education and vehicle design initiatives is common, insurance company initiatives aimed at the engineering element of road safety is a relatively new trend. This research summarizes the major road safety engineering programs undertaken by six insurance companies in Australia, Canada, and the United States, and presents some of the results achieved. The research finds that the immediacy of the benefit derived from road safety engineering improvements, coupled with an expanding knowledge base in this field, are contributing to the growth in interest in road safety among insurance companies. The financial interest of insurance companies in reducing crash frequencies and severities, as well as any related positive public image that road safety advocacy can generate, will likely mean that more insurance companies will be exploring avenues for participation in road safety programs. Opportunities exist for cooperation between the insurance industry and transportation engineers, and they should be pursued for mutual benefit. Although the ultimate responsibility and authority for roads should remain with public agencies, the incentive and emphasis that insurance companies place on road safety provide a unique opportunity to help reduce the daily risks that we face in a mobile world.
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Moya, Diego, Mercedes Guilabert, Rafael Manzanera, Gloria Gálvez, Marta Torres, Adriana López-Pineda, María Lourdes Jiménez i José Joaquín Mira. "Differences in Perception of Healthcare Management between Patients and Professionals". International Journal of Environmental Research and Public Health 20, nr 5 (21.02.2023): 3842. http://dx.doi.org/10.3390/ijerph20053842.
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Patient perception and the organizational and safety culture of health professionals are an indirect indicator of the quality of care. Both patient and health professional perceptions were evaluated, and their degree of coincidence was measured in the context of a mutual insurance company (MC Mutual). This study was based on the secondary analysis of routine data available in databases of patients’ perceptions and professionals’ evaluations of the quality of care provided by MC Mutual during the period 2017–2019, prior to the COVID-19 pandemic. Eight dimensions were considered: the results of care, coordination of professionals, trust-based care, clinical and administrative information, facilities and technical means, confidence in diagnosis, and confidence in treatment. The patients and professionals agreed on the dimension of confidence in treatment (good), and the dimensions of coordination and confidence in diagnosis (poor). They diverged on confidence in treatment, which was rated worse by patients than by professionals, and on results, information and infrastructure, which were rated worse by professionals only. This implies that care managers have to reinforce the training and supervision activities of the positive coincident aspects (therapy) for their maintenance, as well as the negative coincident ones (coordination and diagnostic) for the improvement of both perceptions. Reviewing patient and professional surveys is very useful for the supervision of health quality in the context of an occupational mutual insurance company.
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Ulibarrena, Miguel Ángel, Leire Sainz de Vicuña, Ignacio García-Alonso, Pablo Lledo, Marta Gutiérrez, Asier Ulibarrena-García, Víctor Echenagusia i Borja Herrero de la Parte. "Evolution of Culture on Patient Safety in the Clinical Setting of a Spanish Mutual Insurance Company: Observational Study between 2009 and 2017 Based on AHRQ Survey". International Journal of Environmental Research and Public Health 18, nr 18 (7.09.2021): 9437. http://dx.doi.org/10.3390/ijerph18189437.
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Background: Patient safety (PS) is a key factor in reducing or even eradicating adverse incidents and events. Many health organizations promote strategies to improve PS, while also pointing out the importance of measuring it. For more than eight years, our institution has developed strategies focused on improving PS-culture among our personnel. The goal of this paper is to analyze the PS-culture between the years 2009 and 2017. Methods: A cross-sectional survey focused on PS, and developed by the American Agency for Healthcare Research and Quality (AHRQ), was conducted in 2009 and in 2017 among all healthcare workers at Mutualia, anonymously and voluntarily. Results: The overall response rate was similar in both 2009 and 2017 (37.2% and 38.5%, respectively). The average rating obtained showed a significant improvement over the period (7.7 vs. 8.1; p < 0.05). Itemizing by question, the main strengths were found in management support, organizational learning and continuous improvement, and, especially, in teamwork. Regarding weaknesses, the two lowest scores were those which refer to the balance between clinical safety and workload and the freedom to question the decisions made by superiors. Conclusions: The results obtained from the PS-surveys show that the overall PS-culture in our institution has increased, suggesting that the strategies focused on the improvement of PS-culture were well adopted among our personnel. The overall score places Mutualia at similar levels to those reached by the AHRQ and Spanish National Health System.
4
Spira, S. F. "Union Mutual Life Insurance Company Daguerreotype". History of Photography 12, nr 2 (4.04.1988): 92. http://dx.doi.org/10.1080/03087298.1988.10442110.
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Ezawa, Masahiko. "The Border between Stock or Mutual Company-insurance and Cooperative-insurance". Hokengakuzasshi (JOURNAL of INSURANCE SCIENCE), nr 605 (2009): 13–32. http://dx.doi.org/10.5609/jsis.2009.605_13.
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Emiola, Olawale Kolapo Steve, Musibau Abayomi Omoloye i Christiana Uchechukwu Arinze. "Application of Non-Linear Programming to Portfolio Management on some Insurance Companies (AIICO,LINKAGE, NIGER, Mutual benefit and LASACO) using Return on Asset". International Journal of Engineering Technology and Management Sciences 4, nr 7 (28.11.2020): 1–7. http://dx.doi.org/10.46647/ijetms.2020.v04i07.001.
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This study investigate non-linear programming problem that is, quadratic programming and its application to portfolio management. The data of return on asset of five different insurance companies namely: AIICO, LINKAGE, NIGER, MUTUAL BENEFIT, and LASACO insurance company was collected and a model was fixed. These data were analyzed using quadratic programming in conjunction with LINGO software. The result of the analyzed data revealed that the allocation of fund for each insurance companies should be done with the same percent for LINKAGE, NIGER, MUTUAL BENEFIT and other percent to AIICO insurance company respectively with increment of 24% on return.
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Mrozowska - Bartkiewicz, Beata. "Freedom to Define Membership in a Mutual Insurance Company". Prawo Asekuracyjne 3, nr 108 (30.09.2021): 26–41. http://dx.doi.org/10.5604/01.3001.0015.2755.
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A mutual insurance society is one of the basic forms of conducting insurance activity. It is characterized by a very wide range of options which its founders and subsequently entitled members have in order to choose the organizational and systemic model of operation, to change it in the course of business, to define the concept of membership, to create various categories of members and provide them with different rights and duties, to determine the powers of statutory bodies, and, above all, to apply the method of mutuality. The Insurance and Reinsurance Activity Act regulates the basic legal framework of mutual companies, while referring quite a number of issues to the Polish Commercial Partnerships and Companies Code. This does not alter the fundamental principle on which the company's activity is based, namely that its articles of association play an extremely important role, which is much greater than in the case of public limited liability companies, and that members of a mutual insurance society enjoy considerable freedom to conduct business and categorize its members, which is unparalleled for other legal forms of business activity.
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Brajczewska, Marta, i Aleksander Raczyński. "Legal Conditions for Commercial Activity of Mutual Insurance Companies". Prawo Asekuracyjne 3, nr 100 (15.09.2019): 36–46. http://dx.doi.org/10.5604/01.3001.0013.5731.
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This article aims at discussing a legal regulation relating to commercial activities of mutual insurance companies which is provided for in the Insurance and Reinsurance Activity Act, Accounting Act and the Regulation of the Minister of Finance on Specific Accounting Principles of Insurance and Reinsurance Companies. It explains the concept of commercial activity of mutual insurance company, as well as the dominant principle of mutuality. A fundamental part of the article is an attempt to interpret Article 111 paragraph 3 of the Insurance and Reinsurance Act, under which premiums from non-members of the mutual insurance company cannot constitute more than 10% (ten percent) of the gross premiums written. According to the authors, the rules for collecting premiums provided for in the Regulation on Specific Accounting Principles of Insurance and Reinsurance Companies, which are thoroughly discussed herein, are of key importance in this respect. In addition, the article also explores the effects of exceeding the limit provided for in Article 111 paragraph 3 of the Insurance and Reinsurance Activity Act, as well as the issue of settling the commercial profits.
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Needleman, P. D., i G. Westall. "Demutualisation of a United Kingdom mutual life insurance company". Journal of the Institute of Actuaries 118, nr 3 (1991): 321–99. http://dx.doi.org/10.1017/s0020268100019491.
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ABSTRACTThe paper firstly examines the way in which U.K. mutuals operate and the forces which are leading mutuals to consider demutualisation. Demutualisation is normally accomplished by a Scheme of Transfer under Section 49 of the Insurance Companies Act 1982. The role of the directors and actuaries is discussed, including the impact of the Institute's latest Guidance Note (GN15).The protection of policyholders' reasonable expectations, the value of membership rights and the basis of dealing with any orphan surplus are the central problems. The paper examines them in the context of both the open fund and closed fund situation and shows how they may be resolved.A simple model is used to project the financial position of both an open and closed fund in a demutualised company. The relative advantages and disadvantages of each indicate that different courses of action may be appropriate for mutuals in differing financial positions.
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Needleman, P. D., i G. Westall. "Demutualisation of a United Kingdom Mutual Life Insurance Company". Transactions of the Faculty of Actuaries 43 (1992): 278–375. http://dx.doi.org/10.1017/s0071368600010090.
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AbstractThe paper firstly examines the way in which U.K. mutuals operate and the forces which are leading mutuals to consider demutualisation. Demutualisation is normally accomplished by a Scheme of Transfer under Section 49 of the Insurance Companies Act 1982. The role of the directors and actuaries is discussed, including the impact of the Institute's latest Guidance Note (GN15).The protection of policyholders' reasonable expectations, the value of membership rights and the basis of dealing with any orphan surplus are the central problems. The paper examines them in the context of both the open fund and closed fund situation and shows how they may be resolved.A simple model is used to project the financial position of both an open and closed fund in a demutualised company. The relative advantages and disadvantages of each indicate that different courses of action may be appropriate for mutuals in differing financial positions.
11
Menke, Anne M., i Denise Chamblee. "142: Ophthalmic Mutual Insurance Company (OMIC) workshop—dissatisfied patients". Journal of American Association for Pediatric Ophthalmology and Strabismus 13, nr 1 (luty 2009): e35. http://dx.doi.org/10.1016/j.jaapos.2008.12.144.
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Sewerynik, Jakub. "Legal Regulation of Bodies of the Mutual Insurance Society". Prawo Asekuracyjne 2, nr 107 (21.06.2021): 33–46. http://dx.doi.org/10.5604/01.3001.0014.8878.
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Mutual insurance societies constitute a small part of the Polish insurance market, dominated by insurers operating in the form of joint-stock companies. However, recent years have seen a kind of renaissance of mutual insurance, including the establishment of mutual insurance companies for specific industries. At the same time, the legal framework for this form of insurance activity remains incomplete and does not keep up with the changing market environment. It applies, in particular, to the regulations of the bodies of mutual societies, which do not comply with the dynamic modifications introduced in commercial law in recent years. The author of the article discusses the basic issues related to the design and operation of the bodies of a mutual society, reviews the historical changes to those regulations, analyzes the application of joint-stock company regulations to bodies of mutual societies and finally formulates de lege ferenda conclusions.
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Lubis, Ramiah. "LIFE INSURANCE IN POSITIVE LAW AND ISLAMIC LAW IN INDONESIA". Nurani: Jurnal Kajian Syari'ah dan Masyarakat 20, nr 2 (31.12.2020): 307–16. http://dx.doi.org/10.19109/nurani.v20i2.6757.
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Life insurance is an agreement made by an insurance company to its customers that if the customer experiences a risk of death in his life whether in the form of an accident or due to illness, then the insurance company will provide compensation with a certain amount of money in accordance with the premiums paid for being a customer of the insurance company to heirs of the customer. Conventional Insurance and Syariah Insurance are both tasked to manage and cope with risk, it's just that in Syariah Insurance the management concept is carried out using a pattern of mutual risk between managers and participants (risk sharing) or called at takaful and at tadhamun. While in conventional insurance the work pattern is to transfer risk from the customer (participant) to the company (manager), which is called risk transfer. So that the risks regarding the participants will be fully borne by the manager.
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Neuhaus, Walther. "Mutual Reinsurance and Homogeneous Linear Estimation". ASTIN Bulletin 19, nr 2 (listopad 1989): 213–21. http://dx.doi.org/10.2143/ast.19.2.2014910.
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AbstractThe technique of risk invariant linear estimation from Neuhaus (1988) has been applied in the construction of a mutual quota share reinsurance pool between the subsidiary companies of the Storebrand Insurance Company, Oslo. The paper describes the construction of the reinsurance scheme.
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Ramoutar, Richard S. "The Effects of Insurances, Pensions and Mutual Funds on Economic Growth". Journal of Economics and Public Finance 6, nr 1 (6.01.2020): p17. http://dx.doi.org/10.22158/jepf.v6n1p17.
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Earlier studies on the impact of the insurance sectors activities on economic growth have largely failed. To examine the financial development market interaction of pensions and mutual funds linkages, through which insurance assets affects economic growth. This study re-examines the impact of life insurance premium volume, non-life insurance premium volume, insurance company assets, pension fund assets and mutual fund assets on economic growth. Using panel data of 33 countries over the period 2000-2016. The study applied the Autoregressive Distributed Lag (ARDL) model in panel setting using the PMG (Pooled Mean Group) and MG (Mean Group) estimators in this analysis. The study findings indicate that cointegration exists among all series and that insurances and mutual funds stimulate economic growth in both the short and long run.
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Nanda Sawitri, Ade. "ANALISIS INVESTASI DALAM ASURANSI SYARIAH DI INDONESIA TERHADAP PORTFOLIO OPTIMAL". Media Ekonomi 19, nr 2 (3.11.2017): 30. http://dx.doi.org/10.25105/me.v19i2.828.
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<p>Sharia Insurance is an investment in the business conducted in which the company asa fiduciary (mudharib) must perform investment activities after obtaining approval from the supervisory board of Islamic syar’i to fund the premiums that have been collected from participants. Investment instruments used in the sharia insurance are mudharabah deposits, sharia bonds, mutual funds, murabahah financing and JII stock. This study aims to see the development of each investment in each company also to analyze the type of sharia insurance that can yield the most optimal portfolio by maximizing returns. By using the Linear Programming method to maximize returns and develop the corresponding constraints, the result will be obtained from the linear program that can generate an optimal portfolio. Furthermore, we will see the development of each type of investment and see the most optimal investment in the three sharia insurance companies in the years 2007-2009. The results of this study indicate that PT Family MTakaful Insurance has the type of investment that is optimal mudharabah deposits and sharia bonds. PT Prudential Insurance has the type of investment that is optimal mudharabah deposits and sharia bonds. PT Insurance Allianze have the optimal type of investment is mutual funds.<br />Keywords : Sharia insurance, investment instrument, linear programming</p>
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Rizqa, Agitsna Alya. "Enhancing Mutual Assistance: An Analysis of Sharia Insurance Fund Separation in Comparison to Conventional Insurance". JEKSYAH Islamic Economics Journal 3, nr 02 (16.09.2023): 102–13. http://dx.doi.org/10.54045/jeksyah.v3i02.878.
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Separation of funds in sharia insurance adheres to the main principle of mutual assistance (ta'awun), which means that each participant must have the intention to help each other. The application of the concept of separation of sharia insurance funds emphasizes the position of tabarru funds which may only be used for the needs of policyholders (ta'awun), while funds originating from the shareholder component (ujrah) can be used for the needs of insurance companies. This study aims to determine the concept of Islamic insurance in the separation of funds which is an advantage compared to conventional insurance. A qualitative method was chosen in this research, which used sharia insurance companies in Indonesia as the research object. Research findings state that the separation of sharia insurance funds is divided into tabaru (mutual assistance) funds and ujrah funds which is in accordance with the concept of fund theory. Efforts to invest higher levels have been made by the company, but the low investment returns mean that the profit sharing between participants and the company is lower, while investment losses will still be borne by the participants. Besides that, low claims on sharia insurance mean that companies do not need to use their reserve funds to cover the high level of tabarru fund claims.
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Al-Jarrah, Mefleh, Kamal Hattab i Abdalla Albadreen. "Jurisprudential Conditioning of the Takaful Insurance Contract: A Case Study of Islamic Insurance in Jordan". Jordan Journal of Islamic Studies 20, nr 1 (11.03.2024): 97–133. http://dx.doi.org/10.59759/jjis.v20i1.373.
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This study aims to elucidate the reality of Takaful insurance, its juristic adaptation, and the impact of this adaptation on Islamic legal rulings. It also seeks to assess the extent of compatibility of the practical applications of Takaful insurance carried out by the Jordan Islamic Insurance Company with the decisions of the Islamic Fiqh Academy and the Sharia standards set by the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI). To this end, the research begins by presenting the reality of Takaful insurance, highlighting its differences from commercial insurance, and discussing its major juristic adaptations. The study also examines the juristic opinions regarding the Sharia rulings on the applications of Takaful insurance. Since the Sharia rulings on Takaful insurance are based on its juristic adaptation and its application in Islamic insurance companies, the research attempts to uncover the mechanisms for implementing this contract in the Jordan Islamic Insurance Company. This is done through a specific questionnaire developed based on AAOIFI standards and the decisions of the Islamic Fiqh Academy, distributed to managers and employees of the Islamic insurance company, as well as experts, academics, and clients of the Islamic insurance company with extensive experience in this field. The research concludes, after juristic discussions, that the best juristic adaptation for the Takaful insurance contract is mutual consideration with minimal permissible excess, and that there is no difference between Islamic insurance contracts and commercial insurance if both are applied in an Islamic company.
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Bland, Sean E., Jeffrey S. Crowley i Lawrence O. Gostin. "Strategies for Health System Innovation AfterGobeille v Liberty Mutual Insurance Company". JAMA 316, nr 6 (9.08.2016): 581. http://dx.doi.org/10.1001/jama.2016.8293.
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Wise, William. "The Importance of the Efficiency of Mutual Life Insurers: A Comparison to Stock Life Insurers". Folia Oeconomica Stetinensia 20, nr 1 (1.06.2020): 474–505. http://dx.doi.org/10.2478/foli-2020-0028.
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AbstractResearch background: Mutual companies are a major component of the life insurance industry worldwide and moreover are growing in importance. Efficiency, potentially affected by whether a life insurer company is mutual or stock, can determine how well said companies perform.Purpose: The aim of this paper is to demonstrate the importance of examining the efficiency of mutual and takaful (similar to mutuals) life insurance companies.Research methodology: This research coordinates 1) ideas regarding the size and importance of the mutual and takaful life industries worldwide, 2) theoretical aspects concerning how the efficiency of mutual/takafuls is expected to compare to that of stock insurers and 3) the outcomes of germane life insurance efficiency studies.Results: The outcomes of life insurance efficiency studies tend to show that, in total, stock insurers are more efficient than mutuals apart from one conspicuous element. As mutuals are substantial within several of the world’s largest life markets and the global life industry their being inefficient can be exceedingly negative. The overall conclusion is that such inefficiency can lead to dire economic problems so it is imperative to investigate the efficiency of mutuals/takafuls and perhaps the one element of stocks.Novelty: This article is the first to investigate the results of mutual/takaful life insurer efficiency studies in concert with the abovementioned theory and draws a vital conclusion regarding mutual/takaful life insurer inefficiency.
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Muda, Iskandar, i Erlina Erlina. "Experience in uncertainty macroeconomic conditions and demographic factors as determinants of sharia stock portfolios in Indonesia". Accounting 7, nr 7 (2021): 1529–34. http://dx.doi.org/10.5267/j.ac.2021.5.018.
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The purpose of this research is to know the influence of Uncertainty Macroeconomic and demographic factors such as Population, Gross Domestic Product, Government Sukuk and Sharia Mutual Funds to The Investment Yield Sharia Insurance in Indonesia. The method of research using a causal research design in Indonesia Sharia Insurance. The data used are secondary data sourced from Financial Services Authority, Indonesia. The method of analysis used in this research is the SEM method using SmartPLS software. The results show that Population, Gross Domestic Product, Government Sukuk and Sharia Mutual Funds do not influence Investment Yield Sharia Insurance in Indonesia. The implications of this research are the Indonesian Financial Services Authority policy which considers Population, Gross Domestic Product, Government Sukuk and Sharia Mutual Funds for Investment Yield Sharia Insurance in Indonesia. The limitation of this research is to use monthly samples and only observe for 2 (two) years. Originality of this research is using the latest observation variable that is 2018-2019 and observation at a sharia insurance company in Indonesia.
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Ridwan, Anggraeni, i Agus Suwinto. "ANALISIS TATA KELOLA KAPASITAS LAYANAN TEKNOLOGI INFORMASI PERUSAHAAN ASURANSI SOSIAL MENGGUNAKAN STANDAR ISO 20000:1-2018". Jurnal Ilmiah Matrik 21, nr 3 (18.12.2019): 166–76. http://dx.doi.org/10.33557/jurnalmatrik.v21i3.717.
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Abstract : Social insurance company has mission to protect all people, avoid the risk of social life, so social insurance company must provide public services that are easy to use. To provide fast, accurate, and information, ensuring the reliability of information technology service capacity governance is very important. Social insurance company needs period of preparation for development towards vision (Good Governance, Risk Management, and Compliance) in service excellence, taking into account the governance of information technology service capacity which is important factor for Social Insurance Company. ISO is a standard-setting body that provides world-class specifications for variety of things, from products, services and systems, to ensure quality, safety and efficiency. Therefore, this paper provides an overview the implementation of ISO 20000-1: 2018 standards for Information Technology Services Capacity Management with standardization clauses for social insurance company and review information technology service capacity governance standards as considerations and proposals to Social Insurance Company
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Morley, Michael, Anne M. Menke i Karen C. Nanji. "Ocular Anesthesia-Related Closed Claims from Ophthalmic Mutual Insurance Company 2008–2018". Ophthalmology 127, nr 7 (lipiec 2020): 852–58. http://dx.doi.org/10.1016/j.ophtha.2019.12.019.
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Han, Hongyun, i Ye Jiang. "Systemic Risks of Climate Events and Households’ Participation in Mariculture Mutual Insurance: A Case Study of Shrimp Producers in Zhejiang Province". Sustainability 11, nr 4 (22.02.2019): 1164. http://dx.doi.org/10.3390/su11041164.
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Mariculture is playing an important role in food safety, acting as strong complement to marine fishery. As a typical capital intensive and high-risk sector, mariculture mutual insurance is important for ensuring the stability and sustainability of mariculture due to the inertia of private insurance, it is necessary to examine factors for low household participation in marine fishery mutual insurance to promote the healthy development of marine insurance. Based on the field surveyed data of mariculture shrimp producers in Zhejiang Province, this study aims to examine the determinants underlying households’ participation in mariculture mutual insurance. Based on logistic model, we find out that climate risks, environmental risks and technical risks have seriously hindered the development of food security and fisheries in Zhejiang Province. In addition, farmers’ insurance involvement mainly depends on the individual characteristics of the farmers: whether used to go out to work, perception of burden level of premium and insurance awareness; family characteristics of fish farmers: total household income, and unpaid loan; and production characteristics: professional level, mariculture area and whether sea waters registration. Meanwhile, external factors, including organizations available for insurance participation, impact of national insurance subsidies, policy support and disasters on the aquaculture area. Corresponding risk management measures are urgently needed for the sustainable development of mariculture.
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Schofield, Edward. "Insurance Company use of ACL for Windows". EDPACS 24, nr 2 (sierpień 1996): 5–7. http://dx.doi.org/10.1080/07366989609452262.
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Kerr, A., i I. Rogers. "Repackaging the Life Office". Journal of the Staple Inn Actuarial Society 32 (marzec 1990): 117–44. http://dx.doi.org/10.1017/s2049929900010436.
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Traditionally the interest of actuaries and many other life assurance specialists in the ‘corporate structure’ of life offices has largely been limited to questions surrounding the distinctions between mutual and proprietary companies. More recently, attention has also been paid to composite insurance companies—principally to protect the interests of the long term business policyholders.Developments over the past ten years or so have led many life offices to reappraise their corporate structure. A number of companies have decided to set up a (non-insurance) group holding company, the principal subsidiary of which would be the established life assurance company. This paper will consider some of the pressures which have resulted in these reorganizations, in particular:(a) the impact of Section 16 of the Insurance Companies Act 1982 which restricts insurance companies to only conducting activities in connection with insurance;(b) the various provisions in the Insurance Companies Regulations 1981 which limit the admissibility of particular assets and specify minimum accounting standards which must be adopted when writing down certain fixed assets;(c) the additional flexibility with regard to marketing and the financing of marketing costs which a revised structure will allow;(d) the purchase of companies for sums substantially in excess of their net asset value which may give rise to difficulties in accounting for the ‘goodwill element’ in the purchase price;(e) the potential tax advantages (and, in some cases, disadvantages) which may result from the creation of a non-insurance holding company.
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Gunarto, Gunarto, Intanida Intanida i Anis Mashdurohatun. "Reconstruction of Life Insurance Agent Work Contract Regulations Based on Justice Value". Scholars International Journal of Law, Crime and Justice 6, nr 09 (8.09.2023): 479–84. http://dx.doi.org/10.36348/sijlcj.2023.v06i09.003.
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The purpose of this research is to analyze the weaknesses of Life Insurance Agent Work Contract Regulation and how to reconstruct the regulation of the Life Insurance Agent work contract regulation based on the value of justice, namely as in the Insurance Law No. 40 of 2014, Article 1320 of the Civil Code, Article 1338 of the Civil Code and 1313 of the Civil Code using a constructivism paradigm, through direct interviews with informants empirically supported with studies literature through theoretical steps. The results of this study show that the Weaknesses that arise in the life insurance agent work contract regulation with the study of Islamic law, namely in carrying out the contract is not transparent so that the agent and the insurance company when facing problems, are only decided unilaterally and not based on the contract. Therefore, the Reconstruction of the regulation on a life insurance agent work contract regulation based on the value of justice, namely that in entering into an agreement with a life insurance company with a work contract, it is not in accordance with Article 1313 of the Civil Code and Article 1338 paragraph (1) of the Civil Code because in practice the life insurance company provides a letter notification of the update without the knowledge of the agent, which resulted in unilateral termination of employment. Dispute resolution in insurance agreements can be carried out through litigation and non-litigation channels. If the principle of good faith is not fulfilled, the insurance agreement can be canceled. Regulations for financing agent agreements in Indonesia use a system of deliberation and mutual cooperation, while in various countries they use an arbitration system in a court. Regulation of the Financial Services Authority Number 69 /Pojk.05/2016 Concerning the Conduct of Business of Insurance Companies, Sharia Insurance Companies, Reinsurance Companies, and Sharia Reinsurance Companies.
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Slobodianiuk, Olga, i Galina Tolkacheva. "Institutional forms and their competitive analysis of organization of insurance activities in Ukraine". Economics, ecology, socium 2, nr 1 (29.03.2018): 99–110. http://dx.doi.org/10.31520/2616-7107/2018.2.1-9.
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Introduction. In the insurance market of Ukraine, there is a need for non-commercial insurance, which does not carry out business activities in favor of shareholders, but implements the principle of collective mutual assistance of insurance participants. Its necessity is determined, first of all, by the possibility at affordable prices to provide real insurance coverage to the general population, agricultural producers, small business representatives, and others like that.
The development of the strategic development of the work of insurance companies prompts them to rational use of all their resources, in order to increase their efficiency at all stages of development. For this purpose, special methods of strategic management are used, which include the search for economic criteria that provide an objective assessment of the company's activities.
Thus, conducting this analysis will enable each company to make it competitive on the insurance market.
Aim and tasks. The purpose of the article is to reveal and substantiate the institutional forms and perform SWOT analysis to identify the weak and strong points of the organization of the insurance company and the strategic development of insurance activities in general.
Research results. The article reveals the concept of institutional forms of organization of insurance activity in Ukraine. Conducted competitive analysis (SWOT-analysis) of strategic development of insurance companies and organization of insurance activity in Ukraine. The proposed ways of strategic development, weak and strong forms of organization of insurance activity are revealed.
Conclusion. Insurance companies have financial institutionalization of their forms of activity. Under this concept is understood the process of consolidation of norms, roles, statuses, rules for bringing and combining them into the insurance system for the ability to act for insurance protection.
The conducted analysis of the activity of the insurance company, its development strategy provides an opportunity to identify the most promising directions for its development and organization of work. Thus, the identification of weak and strong sides of the company, based on SWOT analysis, positively influences the development of the company's future strategy, its organizational structure, as well as the quality and price of insurance services.
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Sumarno, Sumarno, i Ana Khuswatun Hasanah. "Minat Nasabah Terhadap Asuransi Jiwa Berbasis Syari’Ah Di PT. Asuransi Jiwa Generali Indonesia Cabang Cirebon". Ecobankers : Journal of Economy and Banking 1, nr 2 (31.08.2020): 53. http://dx.doi.org/10.47453/ecobankers.v1i2.162.
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This study is motivated by the results of preliminary observations about the considerable interest of customers/people who choose sharia insurance products which are driven by many factors, while various groups are concerned about the halalness of sharia insurance products. This study aims to determine the factors that influence customer interest in choosing shariah life insurance at PT. Generali Indonesia Life Insurance Cirebon Branch. This study uses qualitative research with descriptive methods with data collection techniques using interview techniques (interviews) and documentation. Furthermore, the conclusions obtained from this study are 1) Customer response to the shariah insurance program at PT. Asuransi Jiwa Generali Indonesia Cirebon Branch can be seen from the enthusiasm of customers in choosing the shariah products offered by the company. Most of the customers choose the Term Life-PLAN 99 Shariah (Life Protection) product. 2) Factors influence customer interest in choosing shariah insurance at PT. Generali Indonesia Life Insurance Cirebon Branch, including the following; (a) There is a Shariah Supervisory Board in the company. (b) The principle developed is mutual help. (c) The shariah insurance system is more detailed than conventional ones. (d) Profit and profit-sharing system through mutual agreement between the customer and the company. 3) The dominant factors that influence customer interest in choosing Islamic insurance at PT. Generali Indonesia Life Insurance Cirebon Branch due to the existence of the Sharia Advisory Board in the company.
Abstrak
Kajiannya dilatarbelakangi oleh hasil observasi awal tentang cukup besarnya minat nasabah/masyarakat yang memilih produk asuransi syari'ah yang didorong oleh banyak faktor sementara berbagai kalangan memandang ragu akan kehalalan secara syari'ah dari produk asuransi syari'ah. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi minat nasabah untuk memilih asuransi jiwa syari’ah di PT. Asuransi Jiwa Generali Indonesia Cabang Cirebon. Penelitian ini menggunakan penelitian kualitatif dengan metode deksriptif dengan teknik pengumpulan data menggunakan teknik interview (wawancara) dan dokumentasi. Selanjutnya kesimpulan yang diperoleh dari penelitian ini adalah 1) Respon nasabah terhadap program asuransi syari’ah di PT. Asuransi Jiwa Generali Indonesia Cabang Cirebon terlihat dari antusias nasabah dalam memilih produk-produk syari'ah yang ditawarkan oleh perusahaan. Sebagian besar para nasabah memilih produk Term Life-PLAN 99 Syari'ah (Perlindungan Jiwa). 2) Faktor-faktor yang mempengaruhi minat nasabah untuk memilih asuransi syari’ah pada PT. Asuransi Jiwa Generali Indonesia Cabang Cirebon di antaranya adalah sebagai berikut; a) Terdapat Dewan Pengawas Syari'ah di dalam perusahaan. b) Prinsip yang dikembangkan adalah saling tolong-menolong. c) Sistem asuransi syari'ah lebih detail dibandingkan yang konvensional. d) Sistem keuntungan dan bagi hasil melalui kesepakatan bersama antara nasabah dan pihak perusahaan. 3) Faktor dominan yang mempengaruhi minat nasabah untuk memilih asuransi syari’ah di PT. Asuransi Jiwa Generali Indonesia Cabang Cirebon adalah karena adanya Dewan Pertimbangan Syari'ah di dalam perusahaan.
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Chen, Chin-Ling, Yong-Yuan Deng, Woei-Jiunn Tsaur, Chun-Ta Li, Cheng-Chi Lee i Chih-Ming Wu. "A Traceable Online Insurance Claims System Based on Blockchain and Smart Contract Technology". Sustainability 13, nr 16 (21.08.2021): 9386. http://dx.doi.org/10.3390/su13169386.
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In the current medical insurance claims process, there are problems of low efficiency and complex services. When a patient applies for medical insurance claims, he/she must go to the hospital to apply for a diagnosis certificate and receipt and then send the relevant application documents to the insurance company. The patient will not receive compensation until the company completes the verification with the patient’s hospital. However, we can improve the current dilemma through blockchain technology. Blockchain technology can effectively open up the information channels of the insurance industry and medical institutions, promote industry integration, and enhance the ability of insurance companies to obtain information. In this research, we used blockchain and smart contract technology to make the following contributions to the development of Internet insurance. First, blockchain and smart contract technology can effectively solve the problem of online underwriting. Second, it is conducive to improving supervision. Third, it is conducive to solving risk control problems. Fourth, it is conducive to effective anti-money laundering. The proposed scheme fulfills the following security requirements: mutual authentication of identities, non-repudiation between each of two roles, and other major blockchain-based security requirements. In the event of a dispute, we also proposed an arbitration mechanism to divide responsibilities.
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جبار حسن, م. كفاح. "تقييم الأداء المالي لشركات التامين في دولة قطر باستخدام DUPONT SYSTEM". Iraqi Journal For Economic Sciences 2020, nr 67 (18.01.2021): 29–50. http://dx.doi.org/10.31272/ijes2020.67.2.
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The study of the mutual relationship between return and risk is prepared by the DUPONT SYSTEM for a period of 10 years from 2008 to 2017 in Qatari insurance companies. Costs, which characterized the Qatar General Insurance Company by achieving the highest average profit margin of 99,699 and the AU Asset Utility Index, which measures the efficiency of management in using its assets to achieve its revenues, which characterized Doha Insurance Company as it achieved the highest asset benefit of 34,771 Financial leverage EM, or the so-called ownership multiplier index, which is the ratio that measures the risks related to the use of ownership money, which characterized Qatar Insurance Company, as it achieved the highest rate of raising money of 267,677. The aim of using DUPONT SYSTEM is to compare the performance of companies in the same industry as network analysis to predict future changes, thus adding another dimension to the evaluation of Qatari insurance companies for optimal investment based on sound performance evaluation. The results of the study showed that companies that follow the policy of cost leadership strategy may It achieved a lower return than that which followed the policy of differentiation strategy. The research hypotheses were tested using ANOVA, and the following was found: 1- The existence of statistically significant differences between Qatari companies operating in the insurance field due to the return on equity (ROE). 2- The existence of statistically significant differences between Qatari insurance companies due to the financial leverage index Equity On Multiplier (EM). 3- There are statistically significant differences between Qatari insurance companies attributable to the Return On Asset index (ROA). 4- There are statistically significant differences between Qatari insurance companies due to the Profit Margin (PM) indicator. To confirm the results, a Multiple Comparisons Tukey was performed
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Ekstrand, Susie Stærk, i Kristine Lilholt Nilsson. "Faced with a Recall – How good is your Insurance?" European Journal of Risk Regulation 2, nr 2 (czerwiec 2011): 244–46. http://dx.doi.org/10.1017/s1867299x00001197.
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Any business having experienced a product recall knows how costly this can be. Sometimes the main costs of the recall are concentrated around counteracting bad publicity, but if several or large numbers of batches are affected by the recall, the costs of the recall itself can mount up considerably.In many large companies the overall responsibility for quality assurance and product safety is placed in a different part of the organization from the one responsible for product liability insurance and recall insurance.As a consequence inside the organization there is not always a common understanding of what the insurance should cover and what the insurance actually does cover – or of whether and when the insurance company should become involved in the process.
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Upadhyay, Jitendra Pd. "Personnel Control Practices in Insurance Companies of Nepal". Journal of Business and Social Sciences 1, nr 1 (3.12.2018): 27–34. http://dx.doi.org/10.3126/jbss.v1i1.22825.
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Background - Personnel controlling is used to achieve best possible use of employees and their development to get the maximum benefit for the company. It will be present not only in the human resource planning and staff assessment, but also in selection, professional development, health and safety
Purpose – The purpose of the study is to analyze the practices of personnel control in Insurance Companies of Nepal
Methodology – Due to the specific nature of the research objectives, descriptive cum analytical research design has been used.
Findings – All the insurance companies have applied the personnel control approaches in their company.
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Upadhyay, Jitendra Pd. "Personnel Control Practices in Insurance Companies of Nepal". Journal of Business and Social Sciences 2, nr 1 (3.12.2018): 27–34. http://dx.doi.org/10.3126/jbss.v2i1.22825.
Pełny tekst źródłaStreszczenie:
Background - Personnel controlling is used to achieve best possible use of employees and their development to get the maximum benefit for the company. It will be present not only in the human resource planning and staff assessment, but also in selection, professional development, health and safety
Purpose – The purpose of the study is to analyze the practices of personnel control in Insurance Companies of Nepal
Methodology – Due to the specific nature of the research objectives, descriptive cum analytical research design has been used.
Findings – All the insurance companies have applied the personnel control approaches in their company.
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Valecký, Jiří. "Modelling Claim Frequency in Vehicle Insurance". Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis 64, nr 2 (2016): 683–89. http://dx.doi.org/10.11118/actaun201664020683.
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The paper is focused on modelling claim frequency and extends the work of Kafková and Křivánková, 2014 (Kafková, S., Křivánková, L. 2014. Generalized linear models in vehicle insurance. Acta universitatis agriculturae et silviculturae mendelianae brunensis, 62(2): 383–388). We showed that overdispersion, non-linear systematic component and interacted rating factors should be considered when the claim frequency is modelled. We detected overdispersion in the Poisson model and employed the negative-binomial model to show that considering heterogeneity over insurance policies yields better fit of the model. We also analysed the linear effect of continuous rating factors and their mutual influences. We showed that non-linearity and interactions between rating factors yield the better fit of the model, as well as new findings related to the analysis of claim frequency. All empirical models were estimated on the insurance portfolio of Czech insurance company collected during the years 2004–2008.
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Bennett, Paul. "Mutual risk: P&I insurance clubs and maritime safety and environmental performance". Marine Policy 25, nr 1 (styczeń 2001): 13–21. http://dx.doi.org/10.1016/s0308-597x(00)00029-4.
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Adams, M. B., i S. F. Cahan. "A Costly Contracting Analysis of the Insurance Firm". Journal of Interdisciplinary Economics 6, nr 3 (październik 1995): 203–20. http://dx.doi.org/10.1177/02601079x9500600303.
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The financial economics’ literature predicts that corporate decisions are influenced by internal contracting and incentive structures emanating from organizational form. The insurance industry is dominated by two main forms of organization—the mutual and stock company—which differ in terms of their contracting structure and systems of monitoring. As such, it offers an interesting environment within which to examine diversity in economic decision-making between firms of different ownership structure. Mutuals are considered to have economic advantages over stock companies because there are fewer constituents among whom costly contracting has to take place. On the other hand, mutuals have a more diffuse ownership-control structure than stock companies which means that policyholders are less able to closely monitor and control the contractual obligations of managers. Because managers in mutual companies are less closely monitored, they can impose higher contracting costs on policyholders as owners of the insurance firm. To mitigate costly contracting, policyholders will seek to protect their interests by limiting managerial discretion in economic activities, such as production, investment and reinsurance. To stimulate further empirical research, four propositions derived from a costly contracting analysis of the insurance firm are put forward. The paper concludes that costly contracting analysis can provide researchers with rich insights into the economic behaviour of insurance companies.
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Bayar, Yilmaz, Dan Constantin Danuletiu, Adina Elena Danuletiu i Marius Dan Gavriletea. "ICT Penetration and Insurance Sector Development: Evidence from the 10 New EU Member States". Electronics 12, nr 4 (6.02.2023): 823. http://dx.doi.org/10.3390/electronics12040823.
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The insurance sector provides protection to individuals and businesses against many types of risks and also promotes economic growth, being an important source of long-term capital. Analyzing factors that facilitate insurance sector development is important for both individuals and the entire economy. The purpose of this study is to investigate the relationship between information and communication technologies (ICT) represented by mobile cellular subscriptions per 100 people and individuals using the Internet (% of population) and insurance sector development represented by insurance company assets to GDP (%). Using data from 10 new member states of the European Union for the period 2000–2020, this study reveals a mutual interaction between ICT penetration indicators and insurance sector development. Furthermore, a regression analysis reveals that Internet penetration has a significant positive influence on insurance sector growth. Specifically, at the country level, the results indicate the existence of bidirectional causality between mobile cellular subscriptions and the insurance sector in Latvia, Poland, and Slovakia, and unidirectional causality between insurance and mobile cellular subscriptions in Estonia and Hungary.
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Tseslik, K. N. "Specific Features of Economic Mechanisms of Labour Safety Management". Vestnik of the Plekhanov Russian University of Economics, nr 4 (21.07.2021): 133–39. http://dx.doi.org/10.21686/2413-2829-2021-4-133-139.
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The article studies the impact of economic mechanisms of labour safety management on business activity of economic entities. Discounts to insurance tariffs allow employers to economize on insurance payments, while increments to them stimulate measures on labour safety to protect employees and production facilities. Methodology to calculate discounts and increments to insurance tariffs is provided, as well as economic benefit obtained as a result of conducting measures on labour safety. It is pointed out that ignoring obligatory measures on labour safety (special appraisal of working conditions and medical check-ups) are penalized by administrative fines, whose amounts are rather high. The article pays special attention to the necessity to conduct special appraisal of working conditions and medical check-ups. The positive side of insurance is an opportunity to finance the said measures at the expense of 20% insurance payments that were paid by the company in the previous year. The author explains that even with the negative economic effect special appraisals of working conditions and medical check-ups can provide positive economic and social effect, as their results can help develop and introduce preventive measures on labour safety.
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Cova, Bernard, Gerald Gaglio, Juliette Weber i Philippe Chanial. "Organizational Sensemaking of Non-ethical Consumer Behavior: Case Study of a French Mutual Insurance Company". Journal of Business Ethics 148, nr 4 (29.02.2016): 783–99. http://dx.doi.org/10.1007/s10551-016-3102-1.
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Kubo, Hideya. "Evaluation of the Internationalization in Japanese Mutual Insurance Company from the View Point of the Efficiency Comparison between Mutual and Incorporated Companies and that between Japanese Insurance Companies and Chinese Insurance Companies". Hokengakuzasshi (JOURNAL of INSURANCE SCIENCE) 2012, nr 616 (2012): 616_51–616_69. http://dx.doi.org/10.5609/jsis.2012.616_51.
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Jadoon, Dildar Khan, Awais Qasim i Dr Asia Bibi. "The Impacts of Ethical Sales Behaviour on Customer Loyalty in the Life Insurance Industry in Pakistan". Journal of Corporate Finance Management and Banking System, nr 43 (8.04.2024): 50–61. http://dx.doi.org/10.55529/jcfmbs.43.50.61.
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The life insurance industry in Pakistan is highly competitive, with customer loyalty playing a crucial role in long-term success. Ethical sales behaviour emerges as a key differentiator, potentially fostering trust and driving positive customer experiences. This research investigates the relationship among ethical sales behaviour, customer trust in company and trust in sales agent, which directly affect customer loyalty in the life insurance industry. The quantitative survey targets customers of five major life insurance companies, ensuring a representative sample across diverse demographics. The questionnaires were sent to all companies customer on a random basis. The questionnaires are distributed with the help of office employee of the companies.The finding of the study shows that there is a direct and positive relation between sales agent ethical sales behaviour and customer loyalty. Furthermore, the trust of the customer in the sales agent and trust of the customer in a company has direct positive mutual relation and customer trust both affect customer loyalty. By demonstrating the tangible benefits of ethical sales behaviour, the study can encourage companies to implement and prioritize ethical practices. The identified key drivers of customer loyalty can guide training programs and performance evaluations for insurance agents, ultimately fostering a culture of ethical conduct within the industry.
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Grant, H. Roger. "A Capital Ship: New England Life, A History of America's First Chartered Mutual Life Insurance Company, 1835–1985. By Abram T. Collier. (Boston: New England Mutual Life Insurance Company, 1985. xiv + 336 pp. $30.00.)". Business History Review 60, nr 4 (1986): 678–79. http://dx.doi.org/10.2307/3115679.
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Bellany, Ian. "Insuring Security". Political Studies 44, nr 5 (grudzień 1996): 872–87. http://dx.doi.org/10.1111/j.1467-9248.1996.tb00339.x.
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Alliances for collective defence are likened to mutual insurance arrangements. External attack is seen as a risk in much the same way that illness is a risk to a bread-winner, who will often want to insure against it by combining with other persons in similar circumstances to pool the risks involved (usually mediated by an insurance company). Here, alliance members' defence budgets become insurance premiums entitling them to group protection against attack. In such alliances size is strongly beneficial since there are always economies of scale in risk-sharing. Indefinite geographical expansion of such arrangements is checked by the comparatively slow speed with which alliance forces may be brought to bear on behalf of an endangered member and the difficulties of harmonizing within the same arrangement members who belong to different statistical categories of risk.
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Wieteska, Stanisław. "Etyka brokera ubezpieczeniowego". Annales. Etyka w Życiu Gospodarczym 11, nr 2 (15.05.2008): 97–104. http://dx.doi.org/10.18778/1899-2226.11.2.09.
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A broker’s activity is one of the elements of insurance mediation. Brokers sell property and personal as well as life insurance policies. Apart from the range of duties, the quantitative condition of distribution channels, the paper also discusses problems of a broker’s professional ethics, which include broadly understood information reliability, activation honesty and assistance in damage liquidation. Signed in 1998, the Sobieszew Charter lays out the norms of ethical broker’s activity in three dimensions: their contacts with clients, mutual contacts and contacts with an insurance company. As well as that, the Charter created the Commission of Professional Ethics, the role of which is settling conflicts arising in the above-mentioned dimensions. The Charter also established seven main principles of professional ethics including the principle of a fair turnover or that of forming healthy relationships among brokers. The paper investigates the data concerning ethics in broker organizations, the major elements of which are a broker’s impartiality, conducting honest negotiations and the duty of submitting identical requests for proposal to insurance companies. The issue of insurance brokerage is not discussed.
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Fakhri, Mahendra, Mahir Pradana, Alini Gilang i Henrika Arda Ekaristi. "Occupational Health and Safety and Practical Code of Safety at An Indonesian Agrochemical Company". MIMBAR : Jurnal Sosial dan Pembangunan 34, nr 2 (10.12.2018): 341–50. http://dx.doi.org/10.29313/mimbar.v34i2.3638.
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The implementation of human resources maintenance function is a function of management used to support and maintain reliable human resources. The maintenance of workers’ physical condition can be achieved by applying Occupational Health and Safety Program, and Labor Service and Insurance Social Program. The purpose of the study is to analyze dominant factors which affect the occupational health and safety of workers at PT. Indo Acidatama Tbk. based on the International Labor Organization’s practical code of safety in the use of chemicals at work. The type of study used is descriptive study with quantitative method. The sampling technique uses non-probability sampling with incidental sampling type. The data collection was done by distributing 50 questionnaires consisting 30 question items to employees of PT. Indo Acidatama Tbk. Based on the results of data processing through factor analysis, a factor of occupational health and safety factor is formed involving the following subfactors: general responsibilities of employers, rights of the workers and personal protections of the workers.
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Hrebenikova, O. V., M. S. Tatar i M. I. Koval. "Interaction Configurations between Banks and Insurance Companies Necessary to Ensure their Sustainable Development in the Face of Global Challenges". PROBLEMS OF ECONOMY 4, nr 46 (2020): 294–304. http://dx.doi.org/10.32983/2222-0712-2020-4-294-304.
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The purpose of the article is to analyze the reasons, principles and configurations of interaction between banks and insurance companies in order to ensure their sustainable development in the face of escalating global challenges; and to suggest practical guidance for the further development of cooperation between banks and insurance companies in Ukraine. Factors that hinder this interaction and factors that stimulate it are analyzed, including the customers’ growing need in comprehensive services both in banks and insurance companies; banks' understanding of the necessity to provide comprehensive insurance protection, development and active implementation of new products in the new sphere etc. The preconditions, principles, forms and types of interaction between banks and insurance companies, in particular, mutual investment in capital, customer relations, partnerships, integration, etc. are studied, the peculiarities of the relationship between banks and insurance companies at different levels of integration are analyzed. The ways to intensify and modernize interaction between banks and insurance companies in Ukraine in the face of the escalating global challenges are defined. The analysis of diagnostic indices of banks and insurance companies shows that the financial indicators of banks are not strongly affected by the presence of an insurance company, and as for insurance companies, the presence of banks as a part of financial conglomerates allows such companies to increase the volume of insurance contracts and receive gross insurance premiums. Prospects for further research in this area can be the following: to carry out correlation and regression analysis of the relations between the financial performance of banks subject to the presence of an insurance company in the financial conglomerate, on the one hand, and the financial performance of insurers subject to their interaction with a banking institution, on the other; to analyze the formation of an organizational mechanism in banks and insurance companies; to analyze the ways of improving the system of state supervision over the relations and cooperation between the abovementioned entities.
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Karsam, Karsam, Erfan Erfiansyah, Inugrah Ratia Pratiwi, Hendriyana Hendriyana i Siti Kodariah. "“Mutual Assistance” Culture to Maintain Corporate Sustainability". Journal of Accounting and Investment 23, nr 3 (20.08.2022): 446–59. http://dx.doi.org/10.18196/jai.v23i3.13859.
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Research aims: This article aims to demonstrate that corporate sustainability will be more balanced and sustainable if it is based on the philosophy of "mutual assistance (gotong royong) culture." (Mutual assistance synergizes to maintain and improve).Design/Methodology/Approach: The research method used was a qualitative method with a phenomenological approach, i.e., a constructivist or naturalistic approach.Research findings: This study disclosed that corporate sustainability would continue to be maintained with the awareness of every company member to work together to sustain, maintain, and improve performance. The application of the corporate sustainability concept must also be based on the spirit of building, maintaining, and improving all aspects of business activities (without giving up). In addition, the company's synergy with the mutual assistance culture will bring the company's safety to a continuous and lasting one.Theoretical contribution/Originality: Implementing corporate sustainability based on mutual assistance culture will increase the company’s existence and sustainability. In this case, managers can focus on corporate sustainability while still paying attention to the mutual assistance culture of all organization/company members.Practitioner/Policy implication: The mutual assistance culture can be used as a guide/companion for companies in implementing the business sustainability concept.Research limitation/Implication: This article offers the Javanese philosophy concept of mutual assistance culture in maintaining business sustainability.
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Asmara Putra, Dewa Nyoman Rai, Kadek Agus Sudiarawan i Ari Mahartha. "Interest Dispute Settlement Related to Workers’ Health Care Security in Indonesia". Udayana Journal of Law and Culture 4, nr 1 (31.01.2020): 62. http://dx.doi.org/10.24843/ujlc.2020.v04.i01.p04.
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The enactment of Law Number 24 of 2011 concerning the Social Security Organizing Body (BPJS Law) has legal implications especially for employers and workers before the enactment of the BPJS Law, the Parties had already agreed that Private Health Insurance as an organizer of workers' health insurance on Collective Labor Agreement (CLA). This condition provides a possibility for the emergence of conflicts of interest. The problem raised in this legal research is how is the regulation concerning the employers' obligations in the health insurance of workers after the enactment of the BPJS Law; what are the legal implications if the CLA in the company before the enactment of BPJS Law has implemented the scheme of Health Insurance for Workers through Private Insurance; and how the legal steps that can be taken in resolving disputes arising related to this matter. This study uses normative legal research methods with a statute approach and a case approach. The result of this research shows that after the enactment of BPJS law, the Employer is obliged to register all of the Workers to BPJS membership as the national provider of health care security system. In terms of double coverage of Workers’ health insurance which impacted the company, the parties could negotiate to amend the CLA based on mutual agreement and good faith. In terms of an interest dispute in implementing the CLA about workers’ health insurance is happening in the future, legal actions that can be taken accordance with the provisions of the Industrial Relations Disputes Settlement Law are bipartite, tripartite disputes settlement through mediation, conciliation, arbitration, and submit a lawsuit to Industrial Relations Court
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Ardiansyah, Tedy, i Dipa Teruna. "Service Quality, Training, and Development Mutual Support with Service Technology in Indonesia Private Companies". Majalah Ilmiah Bijak 21, nr 1 (31.03.2024): 145–55. http://dx.doi.org/10.31334/bijak.v21i1.3645.
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In the technological era, every company is required to be able to serve its customers efficiently and quickly. However, not all services can be provided by technology. Because of this, companies are required to strike a strike a balance between humans (human touch) and technology. The aim of this research is to determine the relationship between informants and other informants for service quality, training, and development, to find out the model of informants using service quality, training, and development, and to find out comparisons. a one-industry model between banking and insurance for service quality and training and development. This is qualitative research with a phenomenological approach. Phenomenologists describe the main points of each informant's life experiences. Phenomenologists describe in detail from informants where the informants feel a phenomenon. The sample determined that four informants had expertise in their fields, as evidenced by their top positions in their companies. The analysis of this research was assisted by qualitative tools from Nvivo 12, and there is no doubt about international evidence, especially in data testing or analysis tests. The research instrument was adopted from previous research and assisted by theoretical studies to simplify and help determine policies for the company's after-sales service. The results obtained by three informants had strong and moderate relationship values for each informant included. The model obtained has novelty in the indicators, which gives rise to five indicators. Meanwhile, the comparison between banking and insurance informants is unique or novel in terms of gender, position, and type of company.