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Journal : AL-ARBAH: Journal of Islamic Finance and Banking

Systematic Literature Review: The Role of Insurance The journey of Sharia in Increase Protection Muslim Tourists Marshanda Ridia Amelia; Taufiqur Rahman
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 7 No. 1 (2025)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2025.7.1.26822

Abstract

Purpose - This article aims to examine and analyze the role of Islamic travel insurance in improving protection for Muslim tourists. Specifically, this study focuses on understanding the mechanism of Islamic insurance, as well as the extent to which this insurance is able to answer the needs and challenges of Muslim travelers in the context of halal travel.. Method - In this study, data search was conducted using the Systematic Literature Review (SLR) Method by summarizing findings from previous studies that are relevant to the research topic. The keywords from Indonesian used to search for data for this study are "Sharia Travel Insurance" and "Protection for Muslim Tourists". Result - Islamic travel insurance, based on the principle of takaful, provides protection for Muslim travelers through sharia-compliant mechanisms, such as tabarru and wakalah bil ujrah contracts. However, travelers still face various obstacles, such as a lack of understanding of takaful, limited coverage, and constraints in regulations and claim procedures. They need insurance coverage that covers important aspects, such as legal certainty that is free from gharar, maysir, and usury, as well as access to halal food and prayer facilities during the trip. Case studies reveal that defaults in Islamic travel insurance claims for Umrah pilgrims often occur due to a lack of transparency in the claim procedure. To increase traveler confidence, the insurance industry needs to design more inclusive products, improve regulations that support sharia compliance, and improve financial literacy so that protection for Muslim travelers is more optimal. Implication - This study used data from Google Scholar to identify related articles, with a total of 1,010 articles found in the initial stage. After a screening process based on the relevant year range, 270 articles were identified from journals published in the period 2020–2025 as the basis for initial selection. Further screening was carried out using the Open Refine application by considering the inclusion criteria that had been set. From the results of this process, 27 articles were obtained that were relevant to the research topic, with 8 of them having a high level of relevance to the research title. Originality - This study examines the mechanism of Islamic travel insurance and its role in meeting the needs and overcoming the challenges of Muslim travelers in halal travel. The discussion covers fundamental aspects, coverage, as well as regulatory barriers and claim procedures. In addition, this study evaluates innovative strategies in product development and increasing understanding of Islamic finance to ensure more effective protection for Muslim travelers. Keywords:                     Sharia Insurance, Insurance Sharia Travel, Protection Muslim Tourists.
Implementation of sharia principles in the insurance industry in Indonesia: Systematic Literature Review Hikmah Hidayah, Isnaini; Rahman, Taufiqur
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 7 No. 2 (2025)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2025.7.2.26829

Abstract

Purpose - Aims to examine in depth the implementation of sharia principles in the insurance industry in Indonesia. The main focus is to evaluate the extent to which principles such as monotheism, justice, ta'awun, and cooperation are implemented through sharia contracts such as tabarru', tijarah, mudharabah musytarakah, and wakalah bil ujrah in sharia insurance practices. Method - The method used in this study is Systematic Literature Review (SLR). Data were collected from 500 articles filtered through Google Scholar with the keywords "sharia principles" and "insurance industry" in the period 2020-2025. After going through the selection and data cleaning stages, the seven most relevant articles were analyzed in depth to identify key findings and academic trends related to the topic. Result - The results of the study show that although sharia insurance has a strong basis in Islamic principles, its implementation still faces several major challenges. Among them are low public literacy, lack of standardization in the implementation of contracts, weak regulations from the government, and less than optimal services comparable to conventional insurance. In addition, there was a gap in understanding between industry players and customers regarding sharia contracts. Implication - emphasizes the need to strengthen education, improve service systems, and formulate regulations that are more supportive of the development of the sharia insurance industry. This study also recommends increasing the role of the Sharia Supervisory Board in ensuring operational compliance with sharia values. Originality - This study provides an original contribution through a systematic literature approach, by integrating various dimensions of sharia (theological, managerial, social, and digital) in its analysis. This study is expected to be a theoretical and practical reference for academics, regulators, and industry players in strengthening the sharia financial system in Indonesia. Keywords:                     Sharia insurance , Sharia principles, Insurance industry.