Analysis of Insurance Services in Financing Insurance at Bank Syariah Indonesia

Authors

  • Tamlija Tamlija State Islamic University of North Sumatra, Indonesia
  • Imsar Imsar State Islamic University of North Sumatra

DOI:

https://doi.org/10.30659/ijibe.10.1.%25p

Keywords:

Sharia insurance, financing services, customer literacy

Abstract

This study investigates the implementation of insurance services within financing products at Bank Syariah Indonesia (BSI) Medan Juanda, focusing on service delivery, employee perceptions, and factors influencing its effectiveness. The approach used is qualitative experience-based research, which is carried out through interviews with eight customers and two employees. The findings reveal that the financing insurance services adhere closely to sharia principles, ensuring ethical and transparent processes that align with Islamic financial values. Employees perceive these services positively, acknowledging their significant role in providing customers with added value and financial protection. Supporting factors include a strong internal system and regular employee training, which contribute to effective service implementation. However, challenges such as limited customer understanding and persistent negative perceptions of sharia insurance hinder wider acceptance. The study’s insights emphasize the importance of enhancing customer education and addressing misconceptions to improve trust and satisfaction in Sharia-compliant financing insurance services.

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Published

2025-08-07

Issue

Vol. 10 No. 1 (2025): March 2025

Section

Articles

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