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Muhammad Hafiz
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Analisis Prinsip Keadilan dan Perlindungan Sosial dalam Sistem Santunan PT. Jasa Raharja (Persero) Ditinjau dari Perspektif Asuransi Syariah Muhammad Hafiz; Rahmi Syahriza; Muhammad Ikhsan Harahap
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2026): Mei : 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.v4i2.3282

Abstract

This study examines the application of the principles of justice and social protection in the provision of compensation by PT Jasa Raharja and analyzes its compatibility with the principles of Islamic insurance. This study employed a descriptive qualitative approach. Research information was obtained through interviews, observations, and documentation involving PT Jasa Raharja Medan Branch officials and members of the community who received compensation. The collected data were analyzed through the stages of data reduction, data presentation, and conclusion drawing, following the analytical model developed by Miles and Huberman. The results show that the implementation of compensation by PT Jasa Raharja reflects the principle of justice through transparent procedures, equal treatment, and the provision of victims’ rights in accordance with applicable regulations. The compensation also provides social protection by helping victims and their heirs cope with the economic impacts arising from traffic accidents. From the perspective of Islamic insurance, this mechanism shares common values with ta'awun, which emphasizes mutual assistance; takaful, which involves collective risk management; and maslahah, which emphasizes achieving benefits for society. These values are consistent with the objectives of maqashid al-shariah, particularly the protection of life (hifz al-nafs) and the protection of property (hifz al-mal). Thus, PT Jasa Raharja’s compensation system not only serves as a form of state-administered social protection but also demonstrates values that are consistent with Islamic economic principles in promoting justice, welfare, and public benefit. These findings contribute to the development of studies concerning the relationship between public social protection systems and Islamic insurance values in the Indonesian context.
Co-Authors Adhira Maharani Putri Aditya Kusuma Agus Wiranto Ahlamul Jaris Gea Ahmad Fauzi Ahzril Pria Adistya Aidil Ridwan Daulay Ali Darta Amanda Dwi Utami Amanda sapitri Ambar Fidyasari Ananda Putri Ariyani Arya Rangga S N Azhar Azhar Azmi Fadhillah Azwar Abdurakhman Cristovelsaragih Cut Zahara Salidia Sabrina Dewi Sundari Dewi Yana Dewi Yana Dhiauddin Tanjung Dini Nabilah Eka Dwi Pertiwi Elisa Fitri Fadhil Musyafa Faizal Hasbi Fanny Yansyah Fariz Fudla Fasih Fazira Maharani Felix Adriano Tarigan Ferdi Hasan Lubis Flandy Rockyliano Mamun Free Dirga Dwatra Gazali Mukhtar Gusman Lesmana Hafsah Lubis Harahap, Muhammad Ikhsan Haryono, Wasis Helvi Julita Hengki Nurhuda Holilur Rahman Ika Kartika Ika Kurnia Sofian Ikhsan Ikhsan Imran Saputra Surbakti Indra Septiadi Manurung Ira Manyamsari Irfan Muhdiya Irvan Maulana Isril " Jodi Setiawan Kamilah Kamilah Kharisma Tri Octaviyan Laras Novita Sari Lilik Ade Putri M. Bagas Fahriansyah Maharani Sartika Ritonga Mayang Mustika Dewi Meilina Juwita Andini Mentari Agustina Mohammad Fais Wira Agusrianto Muhammad Akmal Khatami Muhammad Fadhil S Muhammad Fakri Wahidin Muhammad Farid Aulia Muhammad Naim Muhammad Razaq Muhammad Saleh Muhammad Siddiq Habibullah Murti Affiriani Hasibuan Muthia Aprilia Asni Mutiah Khaira Sihotang Nazaki Nazaki Nida Fitria Nimrot Manalu Nofriyani Nofriyani Noor Albar Nur Azizah Lubis Nur Cholis Majid Olivia Olivia Perahim Tara Pipin Kurnia Rabiatul Wahdah Rahmanelli Rahmanelli Rahmat Syukri Hidayat Rahmi Syahriza Rangga Roris Rasuli Rasuli Rifaldi Rinaldi Riski Ramadhan Rival Fahrezi Saputra Rizki Habibi Rosmega Rosmega Ruseni Sudianto Sudianto Sukiman Sulis Mawar Dani Suratni Ginting Susanti, Roza Eva Sutisna Mustika Rahmat Suziana Syafa Takbira Aisafitri T Fauzi Tafsiruddin Tantri Arum Tuti Heiriyani Ulfatur Rohmah Ummi Kulsum Yafi Mahadika Yeni Yusi Srihartini Yusnidah Yusnidah Zanu Saputra Zulkarnain Batubara