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All Journal Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Muhammad Galang Putra Santoso
Universitas Negeri Jakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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A Penta Helix Framework for Sharia Insurance Adoption among Informal Workers in DKI Jakarta Afidah Nur Aslamah; Muhammad Galang Putra Santoso; Nadya Sabrina Az-Zahra; Thahani Thahani
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 3 (2026): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i3.3514

Abstract

This conceptual study develops a Penta Helix framework for strengthening sharia insurance adoption among informal workers in DKI Jakarta, supported by Focus Group Discussion (FGD) data from informal workers and sharia insurance experts. Informal workers often face income instability, occupational risks, and limited access to formal social protection, making sharia insurance relevant for inclusive risk management. However, its adoption remains limited due to low literacy, affordability concerns, limited trust, product complexity, and weak stakeholder collaboration. Using the Penta Helix perspective, this study maps the roles of academia, business, government, community, and media in enhancing awareness, accessibility, trust, and participation in sharia insurance. FGD insights provide contextual understanding of informal workers’ needs, perceptions, and adoption barriers, while expert perspectives enrich the analysis of institutional challenges and strategic opportunities. The study proposes an integrated framework emphasizing collaborative literacy programs, affordable and simple product design, community-based distribution, regulatory support, and effective media communication. This research contributes to Islamic financial inclusion literature and offers practical implications for policymakers, sharia insurance providers, community organizations, and other stakeholders seeking to expand social protection for urban informal workers.
Co-Authors Afidah Nur Aslamah Nadya Sabrina Az-Zahra Thahani Thahani