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Andriani Samsuri
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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The Urgency of Takaful-Based Protection for Gig Workers through Pentahelix Model Al Berto, Muhammad; Samsuri, Andriani; Al-farisy, Muhammad Daffa
Jurnal Magister Ekonomi Syariah Vol. 4 No. 2 Desember (2025): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2025.042-01

Abstract

This study highlights the urgency of implementing a Takaful-based protection scheme to address the increasing vulnerability of gig workers within Indonesia’s rapidly expanding digital economy. The research aims to examine the opportunities and challenges of takaful implementation in the gig economy and to conceptualize a Pentahelix-based partnership model for developing an inclusive and sustainable Sharia-compliant insurance ecosystem. Using a qualitative descriptive approach with a conceptual strategy through library research, this study analyzes academic literature, regulatory frameworks, and institutional reports related to takaful, social protection, and platform-based labor. The findings indicate that despite the steady growth of the takaful sector in Indonesia, takaful penetration among gig and informal workers remains extremely low. Limited takaful literacy, weak digital integration, and insufficient cross-sectoral policy coordination is identified as the main constraints. To overcome these challenges, this study proposes a Pentahelix collaboration model involving government, academia, industry stakeholders, communities, and media to strengthen literacy, encourage product innovation, and improve institutional coordination. This study contributes to policymaking by offering a collaborative framework for integrating takaful into Indonesia’s gig economy ecosystem and provides strategic insights for key policymakers particularly in terms of regulatory coordination, incentive alignment, and data integration mechanisms. Furthermore, the proposed Pentahelix-based model serves as an operational reference for industry stakeholders and digital platforms in embedding Sharia-compliant protection schemes within platform-based work systems.
Co-Authors Abu Yasid Achmad Room Fitrianto Ahmad Agus Hidayat Ahsan, Muhamad Aidah Kamaliah Al Berto, Muhammad Al-farisy, Muhammad Daffa Al-Kamal, Abdullah Muhammad Aldi Khusmufa Nur Iman Alfarizi, Mohammad Salman Alfiyah, Fitri Nurul Ana Toni Roby Candra Yudha Andri Afianto Anisa Solikhawati ARDIANSYAH, JEFRI AS, Fathor Ayu Rahayu Nurhalizah Bambang Hidayat Betty Silfia Devira Al Azroh Dita Nur Amaliatul Chusniah Eka Nurjannah EKA VIRAWATI Elissa Qathrunnada Erdkhadifa, Rendra Fathor AS Fatimatul Fatmariyah Fatmariyah, Fatimatul Febiola Bunga Asprila Feren Eki P. H Firdayanti Hadiansyah Hanafi Adi Putranto Hidayah, Fitri Naila Imran Arshad Kamila, Niswa Khoyyilah, K Kina, Amilis Lilik Rahmawati Ma'aliy, Moh. Bustanul Farihin Mansur Mansur Masyita Auliyah Muchammad Saifuddin Mufti Afif Muhamad Abrar bin Bahaman Muhammad Widyarta Wijaya Muhammad Yazid Muhammad Yazid Nisa', Rifqun Nisful Lailatul U. Nizar Hosfaikoni Hadi Nur Syam Nurhayati Nurhayati Nurul Fithrotuz Z Putri, Fitriani Wijaya Rachma Indrarini Ramadanti, Firda Gangsar Rifqun Nisa' Room Fitrianto, Achmad Sari, Dia Nur Avita Siti Alfia Ayu Rohmayanti Solikhawati, Anisa Syafiratud Daniyas Tantriana, Deasy Ulfa Vadhila VIRAWATI, EKA Wahyu Prihatanti, Vidya Wijaya, Khandi Tungga zulfa, indana