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All Journal An-Nisbah: Jurnal Ekonomi Syariah Management of Zakat and Waqf Journal (MAZAWA)) An-Nisbah: Jurnal Ekonomi Syariah
Wirawan, Amaliyah
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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TA’AWUNI-BASED MICRO INSURANCE MODEL BAGI UMKM: UPAYA MENDUKUNG PENGEMBANGAN EKOSISTEM INDUSTRI HALAL PASCA COVID-19 DI INDONESIA Sulaeman, Sulaeman; Wirawan, Amaliyah
An-Nisbah: Jurnal Ekonomi Syariah Vol 8 No 1 (2021): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v8i1.3755

Abstract

Abstrak: Penelitian ini bertujuan untuk mengusulkan model asuransi mikro syariah yakni Ta’awuni-Based Micro Insurance Model yang berdasarkan prinsip saling tolong menolong (ta’awun) sebagai upaya dalam mengurangi beban/risiko khususnya untuk UMKM yang terlibat dalam industri produk/jasa halal pasca pandemic COVID-19 di Indonesia. Dengan menggunakan analisis BOCR, model asuransi mikro syariah berbasis prinsip ta’awun ini dapat memberikan keuntungan bagi UMKM yang berada di sektor industri halal dan bagi perusahaan asuransi syariah/LKMS dalam mendukung program-program pemerintah seperti program pemulihan ekonomi nasional (PEN) khususnya bagi UMKM yang bergerak di industri halal terlebih setelah pandemik COVID-19 di Indonesia. Selain itu, ada risiko yang akan dihadapi baik oleh perusahaan asuransi syariah maupun LKMS dalam mengimplementasikan model ini bagi UMKM seperti moral hazard. Namun, tata kelola yang baik dan pengaplikasian IT dapat mengurangi dan mencegah adanya berbagai risiko termasuk risiko moral hazard yang berpeluang timbul pada penerapan model ini. . Kata kunci: Asuransi Mikro Syariah, UMKM, COVID-19, Indonesia Abstract: This study aims to propose a sharia micro insurance model, namely the Ta'awuni-Based Micro Insurance Model which is based on the principle of mutual help (ta'awun) as an effort to reduce the burden/risk, especially for MSMEs involved in the halal industry after the COVID-19 pandemic in Indonesia. By using BOCR analysis, this sharia microinsurance model based on ta'awun principles can provide benefits for MSMEs in the halal industry sector and for sharia insurance companies/Islamic Microfinance Institutions (IMFIs) in supporting government programs such as Economic Recovery Program (Pemulihan Ekonomi Nasional), especially for MSMEs in the halal industry after the COVID-19 pandemic in Indonesia. In addition, there are risks that will be faced by both sharia insurance companies and IMFIs in implementing this model for MSMEs such as moral hazard. However, good governance and the application of IT can reduce and prevent various risks, including the risk of moral hazard that may arise in the application of this model. Keywords: Islamic Micro Insurance, MSMEs, COVID-19, Indonesia
TA’AWUNI-BASED MICRO INSURANCE MODEL BAGI UMKM: UPAYA MENDUKUNG PENGEMBANGAN EKOSISTEM INDUSTRI HALAL PASCA COVID-19 DI INDONESIA Sulaeman, Sulaeman; Wirawan, Amaliyah
An-Nisbah: Jurnal Ekonomi Syariah Vol 8 No 1 (2021): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v8i1.3755

Abstract

Abstrak: Penelitian ini bertujuan untuk mengusulkan model asuransi mikro syariah yakni Ta’awuni-Based Micro Insurance Model yang berdasarkan prinsip saling tolong menolong (ta’awun) sebagai upaya dalam mengurangi beban/risiko khususnya untuk UMKM yang terlibat dalam industri produk/jasa halal pasca pandemic COVID-19 di Indonesia. Dengan menggunakan analisis BOCR, model asuransi mikro syariah berbasis prinsip ta’awun ini dapat memberikan keuntungan bagi UMKM yang berada di sektor industri halal dan bagi perusahaan asuransi syariah/LKMS dalam mendukung program-program pemerintah seperti program pemulihan ekonomi nasional (PEN) khususnya bagi UMKM yang bergerak di industri halal terlebih setelah pandemik COVID-19 di Indonesia. Selain itu, ada risiko yang akan dihadapi baik oleh perusahaan asuransi syariah maupun LKMS dalam mengimplementasikan model ini bagi UMKM seperti moral hazard. Namun, tata kelola yang baik dan pengaplikasian IT dapat mengurangi dan mencegah adanya berbagai risiko termasuk risiko moral hazard yang berpeluang timbul pada penerapan model ini. . Kata kunci: Asuransi Mikro Syariah, UMKM, COVID-19, Indonesia Abstract: This study aims to propose a sharia micro insurance model, namely the Ta'awuni-Based Micro Insurance Model which is based on the principle of mutual help (ta'awun) as an effort to reduce the burden/risk, especially for MSMEs involved in the halal industry after the COVID-19 pandemic in Indonesia. By using BOCR analysis, this sharia microinsurance model based on ta'awun principles can provide benefits for MSMEs in the halal industry sector and for sharia insurance companies/Islamic Microfinance Institutions (IMFIs) in supporting government programs such as Economic Recovery Program (Pemulihan Ekonomi Nasional), especially for MSMEs in the halal industry after the COVID-19 pandemic in Indonesia. In addition, there are risks that will be faced by both sharia insurance companies and IMFIs in implementing this model for MSMEs such as moral hazard. However, good governance and the application of IT can reduce and prevent various risks, including the risk of moral hazard that may arise in the application of this model. Keywords: Islamic Micro Insurance, MSMEs, COVID-19, Indonesia
Analisis Pengaruh Variabel Makroekonomi dan Jumlah Penerimaan Zakat di Indonesia: Implikasi Kebijakan Pemulihan Ekonomi Pasca Pandemi Wirawan, Amaliyah; Hasdyani Putra, Muhammad Wicaksono; Sulaeman, Sulaeman
Management of Zakat and Waqf Journal (MAZAWA) Vol. 4 No. 1 (2022): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2022.4.1.25-47

Abstract

During the economic crisis both in 1998 and the current COVID-19 crisis, Indonesia experienced various economic and social problems as indicated by negative changes in economic growth and an increase in the number of poverty. In addition, zakat plays a very important role in assisting in the process of economic and social recovery after the crisis in Indonesia. This study aims to examine the effect of simultaneously and partially macroeconomic variables, namely inflation, exchange rates, gold prices, and the money supply on the amount of revenue and zakat in Indonesia. This research has used secondary data from 2016 – 2021 sourced from reports from Baznas, Bank Indonesia, BPS, and Precious Metals. Based on the results of data analysis using multiple linear regression, the results showed that the effect of the variable inflation rate, exchange rate, gold price, and the money supply simultaneously had a significant effect on the amount of zakat receipts. Partially, almost all variables have an effect except the price of gold, because the increase in the price of gold is inversely proportional to the increase in the amount of zakat funds received. The results of this study can be used as a reference for the government or policy makers in formulating policy materials in achieving the goals of the economic and social recovery process after the COVID-19 pandemic in Indonesia.
Co-Authors Hasdyani Putra, Muhammad Wicaksono Sulaeman Sulaeman