Sry Lestari
Program Studi Doktor Islam Pasca Sarjana UIN Syahada Padangsidimpuan

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DAMPAK SOSIAL EKONOMI ASURANSI SYARIAH TERHADAP PERLINDUNGAN KEUANGAN KELUARGA: PERSPEKTIF MULTIDISIPLINER Sry Lestari; Yuni Armayanti
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i2.19196

Abstract

Economic uncertainty, increasing household financial risks, and the limited availability of Sharia-compliant financial protection instruments pose significant challenges for Muslim families. Although Islamic insurance has grown rapidly, comprehensive studies examining its socio-economic impact on family financial protection remain limited. This study aims to analyze the socio-economic impact of Islamic insurance on family financial protection using a multidisciplinary approach. A qualitative descriptive method was employed through literature review and in-depth interviews, with thematic data analysis integrating economic, social, and maqashid al-shariah perspectives. The findings reveal that Islamic insurance plays a significant role in mitigating financial risks, strengthening household economic resilience, and fostering social solidarity grounded in Islamic values. The multidisciplinary approach highlights that Islamic insurance functions not only as a financial instrument but also as a social and normative mechanism. The study implies the need to enhance Islamic insurance literacy, develop more inclusive takaful products, and integrate Islamic insurance into sustainable family financial protection policies.
DAMPAK SOSIAL EKONOMI ASURANSI SYARIAH TERHADAP PERLINDUNGAN KEUANGAN KELUARGA: PERSPEKTIF MULTIDISIPLINER Sry Lestari; Yuni Armayanti
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i2.19196

Abstract

Economic uncertainty, increasing household financial risks, and the limited availability of Sharia-compliant financial protection instruments pose significant challenges for Muslim families. Although Islamic insurance has grown rapidly, comprehensive studies examining its socio-economic impact on family financial protection remain limited. This study aims to analyze the socio-economic impact of Islamic insurance on family financial protection using a multidisciplinary approach. A qualitative descriptive method was employed through literature review and in-depth interviews, with thematic data analysis integrating economic, social, and maqashid al-shariah perspectives. The findings reveal that Islamic insurance plays a significant role in mitigating financial risks, strengthening household economic resilience, and fostering social solidarity grounded in Islamic values. The multidisciplinary approach highlights that Islamic insurance functions not only as a financial instrument but also as a social and normative mechanism. The study implies the need to enhance Islamic insurance literacy, develop more inclusive takaful products, and integrate Islamic insurance into sustainable family financial protection policies.