Implementasi pengajuan klaim meninggal dunia sebelum pembiayaan mudharabah lunas di BSI Kc 2 Palangka Raya

Yani, Fitri Andri (2022) Implementasi pengajuan klaim meninggal dunia sebelum pembiayaan mudharabah lunas di BSI Kc 2 Palangka Raya. Undergraduate thesis, IAIN Palangka Raya.

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Abstract

Penelitian ini berupaya untuk mengkaji 1) proses pengajuan klaim dan pelaksanaan pembayaran klaim yang da di BSI KC 2 Palangka Raya, 2) apa saja yang menjadi kendala dalam proses pengajuan klaim bagi nasabah yang meninggal dunia sebelum pembiayaan mudharabah lunas di BSI KC 2 Palangka Raya.

Adapun penelitian ini dilakukan di Bank Syariah Indonesia Palangka Raya KC 2 dengan subjek penelitiannya yaitu dari Consumer Business Staff (CBS), sedangkan objeknya yaitu pengajuan klaim meninggal dunia sebelum pembiayaan mudharabah lunas di BSI KC 2 Palangka Raya. Metode yang digunakan dalam penelitian ini yaitu metode kualitatif dengan metode kualitatif deskriptif dan jenisnya yaitu field research atau penelitian lapangan, metode pengumpulan datanya yaitu melakukan observasi langsung ke Bank Syariah Indonesia KC 2 Palangka Raya, kemudian peneliti mengumpulkan data sebanyak-banyaknya terkait pelaksanaan pengajuan klaim meninggal dunia di Bank Syariah Indonesia Kc 2 dengan observasi, wawancara dan dokumentasi.

Temuan penelitian ini menunjukkan bahwa Proses pengajuan dan pelaksanaan pembayaran klaim pada BSI KC 2 Palangka Raya. Berdasarkan ketentuan polis asuransi jumlah bahwasanya proses pengajuan klaim terdapat beberapa kendala namun kendala tersebut tidak terlalu serius. Akan tetapi kembali lagi dengan pihak asuransi mana bank itu berkerjasama, serta apakah ahli waris tersebut tida melanggar aturan klaim yang disediakan baik itu oleh pihak bank maupun piha asuransi. Kendala-kendala dalam prengajuan klaim asuansi bagi pihak ahli waris yang manatertanggung mengalami risiko meninggal dunia pada saat pembiayaan mudharabah belum lunas, dari tertanggung dapat berupa; kurangnya pengetahuan ahli waris akan pentingnya jaminan asuransi, kurang lengkapnya data-data atau dokumen pengajuan oleh pihak tertanggung yang diajukan kepada pihak penanggung sehingga mengalami sedikit keterlamban untuk diproses dan dibayarkan kepada pihak ahli waris.
Pertanggungjawaban pihak bank terhadap klaim yang mengalami kendala, untuk kendala yang dihadapi hampir sama yaitu terletak pada miss komunikasi antara nasabah dan pihak bank dan juga kurang kooperatifnya nasabah yang dimaksudkan pada saat klaim perusahaan asuransi sudah menentukan deadline pengumpulan berkas sedangkan dari nasabah belum ada konfirmasi untuk pengajuan berkas. Disini pihak BSI KC 2 Palangka Raya dinilai sangat sigap untuk mengatasi masalah tersebut.

ABSTRACT

This study seeks to examine 1) the claim submission process and the implementation of claim payments at BSI KC 2 Palangka Raya, 2) what are the obstacles in the claim submission process for customers who die before the mudharabah financing is paid off at BSI KC 2 Palangka Raya.

The research was conducted at Bank Syariah Indonesia Palangka Raya KC 2 with the research subject being the Consumer Business Staff (CBS), while the object was submitting a death claim before the mudharabah financing was paid off at BSI KC 2 Palangka Raya. The method used in this study is a qualitative method with descriptive qualitative methods and the type is field research or field research, the data collection method is direct observation to Bank Syariah Indonesia KC 2 Palangka Raya, then researchers collect as much data as possible related to the implementation of submitting a death claim. world at Bank Syariah Indonesia KC 2 with observations, interviews and documentation.

The findings of this study indicate the process of submitting and implementing claims payments at BSI KC 2 Palangka Raya. Based on the provisions of the insurance policy, there are several obstacles in the claim submission process, but these obstacles are not too serious. However, back again with which insurance company the bank cooperates with, and whether the heirs have not violated the claims rules provided by both the bank and the insurance company. Constraints in submitting insurance claims for heirs where the insured experiences the risk of death when the mudharabah financing has not been paid off, from the insured can be in the form of; lack of knowledge of the heirs of the importance of insurance coverage, the incomplete data or documents submitted by the insured party are submitted to the insurer so that they experience a bit of delay to be processed and paid to the heirs. The accountability of the bank for claims that are experiencing problems, for the obstacles faced are almost the same, namely the miss communication between the customer and the bank and also the lack of cooperativeness of the customer, which is intended when the insurance company claims has determined the deadline for file collection, while from the customer there has been no confirmation for submission. file. Here the BSI KC 2 Palangka Raya is considered very swift to overcome this problem. the obstacles faced are almost the same, namely the miss communication between the customer and the bank and also the lack of cooperation of the customer, which is intended when the insurance company claims has determined the deadline for file collection, while from the customer there has been no confirmation for file submission. Here the BSI KC 2 Palangka Raya is considered very swift to overcome this problem. the obstacles faced are almost the same, namely the miss communication between the customer and the bank and also the lack of cooperation of the customer, which is intended when the insurance company claims has determined the deadline for file collection, while from the customer there has been no confirmation for file submission. Here the BSI KC 2 Palangka Raya is considered very swift to overcome this problem.

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