I. INTRODUCTION
1.1. Background
The Republic of Indonesia (RI) as a country that has few natural resources potential and huge natural wealth. Harness the potential of this great natural wealth for the benefit of many, it is carried out in stages of development.
To support the success of development is required availability of four factors of production are land, labor, capital and skill. The fourth factor of production, two of them at the most we have ever had. While the other two, namely capital and skills are lacking and limited owned by our country.
In line with the basic pattern of national development that has been outlined by the government through medium-term development, the government make every effort to exploit the full potential of existing natural resources to achieve the goal of development itself is to create a just society and a prosperous and equitable society for all lapiran. Therefore, it is necessary a stable economy, for the achievement of such strategies do accumulate capital, improving the quality of human resources and others.
In strategy formation and accumulation of capital, the bank has a very important role because the banks can provide assistance in the form of capital (krdit) to all companies that need them. As for the capital penagamanan itself, it is the duty of the insurance company against the collateral or collateral that is used as collateral by recipients of capital or bank credit, such as PT. Bina Life Insurance Southwestern Branch Nusaindah Makassar.
Based on these descriptions in the above, it can put forward the background, namely:
1. In granting the loans granted by a bank, or a bank apart from technical to be met by each customer is also required to provide collateral in the form of moving objects or object is not moving to the banks on loans obtained.
2. On the credit guarantee this, usually the bank of binding form of mortgage or fiduciary. It is intended to guarantee the banks against loans, if he is the customers at any one time can not fulfill obligations under the credit agreement made.
3. In addition, to ensure the banks and the customers or debtors so as not to suffer losses due to the emergence of a misfortune that is not suspected earlier, the credit guarantees on goods typically insured on the insurance company. The role of insurance companies including PT. Asuransi Bina Power Makassar Nusaindah in securing collateral on loans obtained by the debtor.
4. Insurance plays an important role in addition to providing protection (protection) of the possibilities of losses that will occur, also drive towards the development of other economic activities, protection is meant here is that the dangers outside perhitngan occurrence such as earthquake, fire, collision or other calamity.
1.2. Principal problems
Based on the above background, the key problem posed, as follows:
"What method of claim payments to customers who had matured by the insurance company".
1.3. Research Objectives and Purpose
Research purposes, as follows:
1. To determine which method of payment claims on insurance companies
2. To find out how to claim payment was due.
Usability research, seagai following:
3. As a material consideration for insurers calculate how big a role for the community in general.
4. As the information for those who want to conduct further research.
1.1. Background
The Republic of Indonesia (RI) as a country that has few natural resources potential and huge natural wealth. Harness the potential of this great natural wealth for the benefit of many, it is carried out in stages of development.
To support the success of development is required availability of four factors of production are land, labor, capital and skill. The fourth factor of production, two of them at the most we have ever had. While the other two, namely capital and skills are lacking and limited owned by our country.
In line with the basic pattern of national development that has been outlined by the government through medium-term development, the government make every effort to exploit the full potential of existing natural resources to achieve the goal of development itself is to create a just society and a prosperous and equitable society for all lapiran. Therefore, it is necessary a stable economy, for the achievement of such strategies do accumulate capital, improving the quality of human resources and others.
In strategy formation and accumulation of capital, the bank has a very important role because the banks can provide assistance in the form of capital (krdit) to all companies that need them. As for the capital penagamanan itself, it is the duty of the insurance company against the collateral or collateral that is used as collateral by recipients of capital or bank credit, such as PT. Bina Life Insurance Southwestern Branch Nusaindah Makassar.
Based on these descriptions in the above, it can put forward the background, namely:
1. In granting the loans granted by a bank, or a bank apart from technical to be met by each customer is also required to provide collateral in the form of moving objects or object is not moving to the banks on loans obtained.
2. On the credit guarantee this, usually the bank of binding form of mortgage or fiduciary. It is intended to guarantee the banks against loans, if he is the customers at any one time can not fulfill obligations under the credit agreement made.
3. In addition, to ensure the banks and the customers or debtors so as not to suffer losses due to the emergence of a misfortune that is not suspected earlier, the credit guarantees on goods typically insured on the insurance company. The role of insurance companies including PT. Asuransi Bina Power Makassar Nusaindah in securing collateral on loans obtained by the debtor.
4. Insurance plays an important role in addition to providing protection (protection) of the possibilities of losses that will occur, also drive towards the development of other economic activities, protection is meant here is that the dangers outside perhitngan occurrence such as earthquake, fire, collision or other calamity.
1.2. Principal problems
Based on the above background, the key problem posed, as follows:
"What method of claim payments to customers who had matured by the insurance company".
1.3. Research Objectives and Purpose
Research purposes, as follows:
1. To determine which method of payment claims on insurance companies
2. To find out how to claim payment was due.
Usability research, seagai following:
3. As a material consideration for insurers calculate how big a role for the community in general.
4. As the information for those who want to conduct further research.
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