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All Journal JURNAL DINAMIKA EKONOMI PEMBANGUNAN Premium: Insurance Business Journal
Diah Paramita Amitarwati
Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Saifuddin Zuhri, Purwokerto
Economics, Econometrics & Finance Social Sciences

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Penentuan Harga Premium dan Harga Diskon Sukuk Ritel Syariah Agung Prabowo; Diah Paramita Amitarwati; Dian Puspita
Premium Insurance Business Journal Vol. 13 No. 1 (2026): PREMIUM INSURANCE BUSINESS JOURNAL, JULI 2026
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/92a0e961

Abstract

Sukuk Ritel merupakan instrumen investasi syariah yang banyak diminati masyarakat karena menawarkan imbal hasil tetap serta kepastian hukum syariah. Harga Sukuk Ritel di pasar sekunder dapat mengalami perubahan, yaitu mencapai kondisi harga premium ketika harga pasar lebih tinggi dari nilai nominal/harga par (face value) dan sebaliknya ketika mencapai harga diskon. Fenomena ini menarik bagi para investor karena dapat menghasilkan capital gain dan capital loss. Penelitian ini bertujuan membangun model matematika penentuan harga premium dan harga diskon pada Sukuk Ritel menggunakan pendekatan nilai ekonomi dari waktu yang sesuai dengan prinsip keuangan syariah. Metode penelitian menggunakan studi literatur, studi simulasi, studi kasus, konstruksi formula matematika, analisis terhadap kepatuhan syariah dan analisis model matematika yang dikembangkan. Hasil simulasi menunjukkan bahwa harga premium dan harga diskon terbentuk berturut-turut ketika tingkat kupon sukuk lebih tinggi dan lebih rendah dari tingkat harga pada pasar perdana. Penelitian ini memberikan kontribusi terhadap ketersediaan model matematika untuk ketiga kemungkinan harga Sukuk Ritel (premium, par dan diskon) berbasis syariah dan dapat dijadikan rujukan bagi investor serta pengambil kebijakan di bidang keuangan syariah.
Asuransi Usaha Tani Padi Syariah berbasis Indeks Curah Hujan Agung Prabowo; Diah Paramita Amitarwati
Jurnal Dinamika Ekonomi Pembangunan Vol 8 (2025): Special Issue: Call for Paper Pusaka Jateng
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jdep.8.0.279-303

Abstract

Since 2016, the Government of the Republic of Indonesia has implemented the Rice Farming Insurance (AUTP) program as mandated by law. In the context of Central Java, with its large Muslim population and successful implementation of sharia economics, it is necessary to develop an AUTP model based on sharia principles. This research aims to create an AUTP model by applying sharia principles (Sharia AUTP or AUTPS) based on a rainfall index and to determine the amount of contribution and compensation within the AUTPS framework. The research methodology employs literature study and model development through stages of planning, analysis, pre-design, actuarial calculation, and final design. The research data comprises rainfall and rice production data from Brebes Regency for the years 2018–2022. The novelty of this research lies in the application of sharia principles and the use of a rainfall index to replace crop failure-based insurance. Consequently, the actuarial calculation for implementing contributions and compensation is based on the rainfall index. The contribution amount is calculated using the Black-Scholes Cash-or-Nothing Put Option equation, while compensation is calculated using the historical burn analysis method. The research results in a proposed rainfall index-based AUTPS model, where the contribution amount is determined based on rainfall percentiles, and compensation payments are categorized as maximum compensation, partial compensation, or no compensation. The mechanism for managing contributions (premiums) follows sharia principles and yields two types of AUTPS: AUTPS-R (without a savings element) and AUTPS-RI (with a savings element). The recommendation from this research is the need to pilot the developed concept in collaboration with a sharia insurance company before it is adopted as a policy by the Regional Government of Central Java Province.
Co-Authors Agung Prabowo Agung Prabowo Dian Puspita