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Journal : The World of Public Administration Journal

Model Teoritis Kepercayaan, Persepsi Risiko, dan Kapabilitas Digital Terhadap Adopsi Asuransi Mikro UMKM di Jawa Barat: Sebuah Kajian Literatur Sistematis Hidayat, Rachmad; Nidar, Sulaeman Rahman
The World of Public Administration Journal Volume 7 Issue 2, Desember 2025
Publisher : Fakultas Ilmu Administrasi Universitas Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/wpaj.v7i2.2539

Abstract

Abstrak Artikel ini mengembangkan model teoritis yang menganalisis hubungan antara kepercayaan, persepsi risiko, dan kapabilitas digital dalam adopsi asuransi mikro oleh Usaha Mikro, Kecil, dan Menengah (UMKM) di Jawa Barat. Berdasarkan kajian literatur sistematis yang merujuk pada 60 artikel terindeks Scopus periode 2014–2025, serta sumber nasional dan internasional lainnya. Faktor-faktor tersebut dieksplorasi untuk mengidentifikasi pengaruhnya terhadap keputusan adopsi. Metode yang digunakan adalah Systematic Literature Review (SLR) dengan pendekatan PRISMA, yang mencakup penyaringan dari 2.341 artikel awal menjadi 60 artikel final. Hasil menunjukkan bahwa kepercayaan terhadap penyedia asuransi dan teknologi digital menjadi pendorong utama, sementara persepsi risiko tinggi—termasuk ketidakpastian klaim dan ketidaksesuaian produk—menghambat adopsi. Kapabilitas digital UMKM, seperti akses internet dan literasi teknologi, berperan krusial dalam meningkatkan aksesibilitas produk asuransi mikro, meskipun dibatasi oleh infrastruktur di Jawa Barat. Kajian ini juga mengintegrasikan perspektif ketahanan UMKM, di mana microinsurance berkontribusi pada stabilisasi arus kas dan pemulihan pascabencana, dengan bukti bahwa microinsurance dapat mengurangi kerugian pascabencana hingga 40% di negara berkembang. Rekomendasi mencakup peningkatan literasi finansial-digital, desain produk adaptif, dan kolaborasi dengan modal sosial untuk mendukung inklusi keuangan. Penelitian ini memberikan kontribusi bagi kebijakan di Jawa Barat guna memperkuat ketahanan ekonomi UMKM pasca-pandemi COVID-19.   Kata Kunci: Kepercayaan, Persepsi Risiko, Kapabilitas Digital, Asuransi Mikro, UMKM, Ketahanan Bisnis   Abstract This article develops a theoretical model that analyzes the relationship between trust, risk perception, and digital capabilities in the adoption of microinsurance by Micro, Small, and Medium Enterprises (MSMEs) in West Java. Based on a systematic literature review referring to 60 Scopus-indexed articles from 2014 to 2025, as well as other national and international sources. These factors are explored to identify their influence on adoption decisions. The method used is a Systematic Literature Review (SLR) with a PRISMA approach, which includes screening 2,341 initial articles down to 60 final articles. The results show that trust in insurance providers and digital technology are the main drivers, while high risk perceptions—including claim uncertainty and product mismatch—hinder adoption. The digital capabilities of MSMEs, such as internet access and technological literacy, play a crucial role in increasing the accessibility of microinsurance products, although they are limited by infrastructure in West Java. This study also integrates the perspective of SME resilience, where microinsurance contributes to cash flow stabilization and post-disaster recovery, with evidence that microinsurance can reduce post-disaster losses by up to 40% in developing countries. Recommendations include improving digital financial literacy, adaptive product design, and collaboration with social capital to support financial inclusion. This study contributes to policy-making in West Java to strengthen the economic resilience of MSMEs after the COVID-19 pandemic.   Keywords: Trust, Risk Perception, Digital Capability, Microinsurance, MSMEs, Business Resilience
Co-Authors A, Prihastya Raehana A.A. Ketut Agung Cahyawan W Abdul Fattah, Fuad Achmad Jauhari, Achmad Agung Firdausi Ahsan Agung Winarno Agus Hery Supadmi Irianti Agustin Ningrum, Linda Ali Imron AMELIA SETYAWATI Anam, Hoirul Andiani, Lia Andreas Triwiyono Andy Prasetyo Wati Anis Arenda Anis Arendra ANNISA RAHMAWATI Ardita, Septia Aruna, Alby Aslamia, Shaudatul Aulia Martha, Jefry Ayu Salsabila, Annisa Azizah, Nofa Nur Budi Wibowotomo Budyi Suswanto Cahya, Dini Aulia Choirunnisa, Salsabila Safitri Dadang Redantan, Dadang Dede Rusmana Dermawan, Heri Dewi Zahro Pertiwi Dewi, Christina Shanti Dewi, Riskha Dora Candra Dewi, Titis Shinta Distina, Cahya Duryah, Hanum Ni’matud Endang Suswati Ernani Hadiyati Fadia Zen Faikul Umam Fajarwati, Ferisia Dwi Fajarwati, Ferisia Dwi Fattah, Fuad Abdul Fitri Agustina Fitrianty, Rifda Fulgentius Danardana Murwani Hairil Budiarto Haryono Haryono Heri Pratikto Husna, Niki Asma’ul Ibadil Maula, Farij Ima Oktavia, Anastasya Putri Imam Mukhlis Imania, Ekklesia Indarwati, Rila Ayu Agnes Ishak Alkadri, Syarif Isramaturrahmi, Isramaturrahmi Iva Khoiril Mala Jenie, Yazdi Ibrahim Khas, As'adi Khisbullah Hudha, Khisbullah Khoiril Mala, Iva Kukuh Winarso Lisa Rokhmani Ludi Wishnu Wardana Machmud Machmud, Machmud Mahfirman, Mahfirman Malikul Adil Marcelliantika, Adinda Martha, Jefry Aulia Masyitah Masyitah Maulana, Sahrul Melany Mohammad Hari Mohammad Hari, Mohammad Mu?alim, Mu?alim Mu’alim Mu’alim, Mu’alim Mufti, Aya Shofia Muslikh Muslikh Muttaqin, Daniel Nachnul Ansori Naswan Suharsono Ningrum, Linda Agustin Normansyah Nugroho, Agung Nupus, Hayatun Nurfitria, Dhea Safira Oktavia Sulistina Pandjaitan, Dewi Erika Prasetyani, Ertha Dwi Pratiwi, Titania Putri Purba, Moden Putri Surya, Eka Qurrotu’ain, Khumairo Rachman, Alfino Rahma, Adelia Rahman, Aryati Binti Abd Rahman, Zeinor RAHMATIKA, FERIZKA Ratna Dewi Sabarudin Akhmad Salsabila, Annisa Ayu Sigit Permansah SRI RAHAYU Studiviani, Pramita Sudarjo Sufi, Lintang Sugiarti Sugiarti Sujito Sujito Sulaeman Rahman Nidar Suprapto Suprapto Surya, Eka Putri Sutantri SUTOMO Syamsiar, Syamsiar Tanggono, Aninda Temesvari, Nauri Anggita Ulum, Achmad Miftachul W, Rayie Tarianie Wening Patmi Rahayu Werdimansyah, Farah Yadi, Muhammad Bahri Yanti, Dewi Yasiin, Falah Yudha Herlambang Yuli Soesetio Yuni Rahmawati Zuhrroh, Ilmiatuz Zuhrroh Zumroh, Siti Zusi, H Zutiasari, Ika