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All Journal Jurnal Ilmiah Al-Tsarwah Jurnal Terapan Ekonomi dan Bisnis (JTEB)
Azza Ibraisama Ersyada
Universitas Islam Negeri Sunan Kalijaga
Economics, Econometrics & Finance

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REGULATORY CHALLENGES AND SHARIA COMPLIANCE IN THE OPERATIONAL MANAGEMENT OF TAKAFUL COMPANIES Alfia Azzuhra; Sunarsih Sunarsih; Azza Ibraisama Ersyada; Taufikur Rohman
Jurnal Ilmiah Al-Tsarwah Vol. 9 No. 1 (2026)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v9i1.11957

Abstract

The Islamic insurance (takaful) industry in Indonesia holds significant potential, given the country's dominant Muslim population and the growing Islamic financial ecosystem. Nevertheless, the industry's growth continues to face numerous challenges, particularly with regard to regulation and Sharia compliance. This study aims to analyze the implementation of Sharia compliance in takaful company operations and to identify regulatory challenges that affect the sustainability of the industry. The research employs a qualitative-descriptive approach using library research and normative legal analysis. Data were obtained from legislation, DSN-MUI fatwas, OJK regulations, industry reports, and relevant scientific literature. Analysis was conducted through content analysis, comparative analysis, and qualitative-descriptive analysis. The findings reveal that takaful companies in Indonesia have generally implemented Sharia compliance principles through the use of tabarru' and tijarah contracts, the separation of participant and company funds, and oversight by the Sharia Supervisory Board (DPS). However, the effectiveness of compliance still faces obstacles, including a suboptimal role of the DPS, differences in fatwa interpretation, and the lack of standardized Sharia auditing. From a regulatory perspective, the main challenges include the absence of a dedicated Sharia insurance law, fragmentation of regulations between technical and Sharia authorities, low Islamic financial literacy, limited capital, reduced product competitiveness, slow digital transformation, and the industry's readiness to comply with the Islamic Business Unit (UUS) spin-off policy. Therefore, it is necessary to strengthen the regulatory framework, enhance Sharia governance capacity, and accelerate innovation and digitalization in order to improve the competitiveness and sustainability of the takaful industry in Indonesia.
PENINGKATAN MOTIVASI DAN MINAT MENULIS SISWA MELALUI PELATIHAN KEPENULISAN KREATIF DI SMP NEGERI 3 TURI Aqidatul Islamiyah; Asa Hafsa Nabela; Ratih Farhani Avisya; Azza Ibraisama Ersyada; Taufikur Rohman
Jurnal Terapan Ekonomi dan Bisnis Vol 5 No 2 (2025): September
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/jteb.v5i2.12564

Abstract

Siswa sebagai generasi penerus bangsa memerlukan fondasi literasi yang kuat, namun rendahnya motivasi dan minat menulis menjadi tantangan besar akibat pendekatan pembelajaran yang monoton serta minimnya ruang ekspresi kreatif di sekolah. Pelatihan Kepenulisan Kreatif “Menulis Itu Asyik” di SMP Negeri 3 Turi hadir sebagai solusi inovatif dengan pendekatan edukatif, partisipatif, dan berbasis psikologi motivasi untuk menumbuhkan kecintaan menulis di kalangan siswa. Program ini dirancang berdasarkan Self-Determination Theory dan pendekatan Constructivist Learning, yang diwujudkan melalui tiga pilar utama: (1) Pelatihan Inspiratif yang membekali siswa dengan teknik menemukan ide, mengembangkan alur, dan menulis bebas tanpa takut salah; (2) Pendampingan Menulis Intensif oleh relawan mahasiswa yang memandu peserta secara langsung dari ide hingga menjadi karya nyata; serta (3) Apresiasi Karya melalui pembacaan di depan forum untuk membangun kepercayaan diri dan budaya saling menghargai. Hasilnya, sebanyak 379 siswa berpartisipasi aktif dan berhasil menghasilkan karya orisinal, menunjukkan peningkatan signifikan dalam motivasi intrinsik dan keberanian berekspresi. Program ini tidak hanya mengubah paradigma menulis dari kegiatan membosankan menjadi proses kreatif yang menyenangkan, tetapi juga menciptakan ekosistem literasi berkelanjutan yang mencetak generasi muda yang lebih kritis, kreatif, dan percaya diri dalam mengekspresikan gagasannya.
Co-Authors Alfia Azzuhra Aqidatul Islamiyah Asa Hafsa Nabela Ratih Farhani Avisya Sunarsih Sunarsih Taufikur Rohman