Ningsih, Agustini Fajariyanti (2021) Pemodelan Dan Simulasi Untuk Menentukan Insentif Optimal Berbasis Wakaf Bagi Operator Asuransi Syariah. Undergraduate thesis, Institu Teknologi Sepuluh Nopember.
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Abstract
Penentuan insentif optimal bertujuan untuk meningkatkan kinerja operator, mengingat bahwa kumpulan premi yang
dibayarkan oleh peserta, tetap menjadi milik peserta dan
operator hanya bertugas untuk mengelola uang tersebut.
Model matematika dibentuk berdasarkan tiga akad, yaitu
wakalah murni, mudharabah murni, dan wakalah berbasis
wakaf. Penelitian ini menyimpulkan bahwa pada ketiga model tersebut, operator tidak akan menerima penambahan insentif ketika meningkatkan usahanya dalam proses underwriting. Model wakalah murni dan wakalah berbasis wakaf dapat memotivasi operator untuk meningkatkan banyaknya anggota kelompok takaful sampai mencapai jumlah peserta optimal, tetapi model wakalah murni tidak akan memberikan penambahan insentif ketika operator melakukan investasi dana takaful sedangkan pada wakalah berbasis wakaf berlaku sebaliknya. Kedua model ini memberikan nilai α optimal yang sama yaitu 0,25 dengan tambahan jumlah peserta optimal sebanyak 50 orang. Sedangkan pada model mudharabah murni, operator justru tidak mempunyai insentif untuk meningkatkan jumlah peserta pada suatu kelompok takaful.
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The Determination of optimal incentives aims to improve
operator performance, given that the premium collection
paid by participants remains the property of participants
and the operators just manage the financial of insurance.
The mathematical model is formed based on three contracts, namely pure wakalah, pure mudharabah, and waqf-wakalah. This study concludes that in the three models, operators will not receive additional incentives when increasing their effort in the underwriting process. The pure wakalah and waqf-wakalah models can motivate operators to increase the number of takaful pool until they reach the optimal number of participants, but the pure wakalah model will not provide additional incentives when operators invest the takaful funds, whereas waqf-based wakalah does the opposite. Both models provide the same α optimal, it is 0,25, with the optimal additional number of participants, that is 50 people. Whereas in the pure mudharabah model, the operator does not have an incentive to increase the number of participants in a takaful pool.
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Uncontrolled Keywords: | islamic insurance, operators, wakalah, mudharabah, waqf, incentives, asuransi syariah, operator, wakalah, mudharabah, wakaf, insentif |
| Subjects: | H Social Sciences > HG Finance > HG4012 Mathematical models |
| Divisions: | Faculty of Science and Data Analytics (SCIENTICS) > Mathematics > 44201-(S1) Undergraduate Thesis |
| Depositing User: | Agustini Fajariyanti Ningsih |
| Date Deposited: | 27 Aug 2021 02:24 |
| Last Modified: | 27 Aug 2021 02:24 |
| URI: | http://repository.its.ac.id/id/eprint/89658 |
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