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All Journal Ikonomika : Jurnal Ekonomi dan Bisnis Islam Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan International Journal of Supply Chain Management Jurnal Mantik Jurnal E-Bis: Ekonomi Bisnis ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING Journal of Management - Small and Medium Enterprises (SME's) The World of Public Administration Journal The World of Business Administration Journal Journal of Community Development juremi: jurnal riset ekonomi Journal of Islamic Business and Economic Review (JIBER) AJAD : Jurnal Pengabdian kepada Masyarakat Share: Jurnal Ekonomi dan Keuangan Islam International Research of Economic and Management Education Journal Research of Social Science, Economics, and Management Nomico ADM : Jurnal Abdi Dosen dan Mahasiswa Journal of Islamic Economy Journal of Islamic Economic and Law (JIEL) Journal of Islamic Economy
Ronaldo, Reza
Sekolah Tinggi Ekonomi Dan Bisnis Islam Lampung
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Transportation Other

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The Dynamics of Sharia Financial Product Utilization and Literacy in Shaping Individual Financial Stability: A Case Study of Participants at PT Sinar Mas Asuransi Syariah Daniel Beltsazar Armagatlie; Reza Ronaldo; Tulus Suryanto; Pertiwi Utami
Journal Research of Social Science, Economics, and Management Vol. 6 No. 2 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v6i2.1703

Abstract

Individual financial stability depends not only on income and savings but also on the ability to utilize risk-protection instruments. This study aimed to examine how product understanding, perceived benefits, and Islamic financial literacy interact in shaping the financial stability of participants at PT Sinar Mas Asuransi Syariah. A qualitative single-case study was conducted from December 2025 to March 2026 involving 12 participants selected through purposive sampling. Data were collected through semi-structured interviews, observations, and documentation, and were analyzed thematically through coding, theme development, cross-informant comparison, and triangulation. The findings revealed varying levels of product understanding, ranging from basic or symbolic knowledge to a comprehensive understanding of protection functions and product suitability. Participants perceived tangible benefits through claim experiences and intangible benefits through a sense of security and preparedness for future risks. Islamic financial literacy was found to be low to moderate; most participants understood fundamental principles such as mutual assistance (ta’awun) and the prohibition of riba (usury), but had limited operational knowledge regarding contracts (akad), fund management, and protection mechanisms. Higher levels of product understanding and literacy enabled participants to select appropriate products and integrate insurance into their financial planning. The study concluded that Islamic insurance (asuransi syariah) contributes to financial stability most effectively when policy ownership is supported by practical financial literacy, transparent communication, and continuous participant education.
Co-Authors Abdul Qodir Zaelani Abiyajid Bustami Ahmaddien, Iskandar Alaaraj, Hasan B. Basrowi Basrowi, B. Cakranegara, Pandu Adi Daniel Beltsazar Armagatlie Edy Setiawan Eva Rahmawati Fadoli, Fadoli Ferliansyah Zais Hasan Alaaraj Judijanto, Loso Karsim, Karsim Kiara Basmala Putri Kusman Yuhana Laila Subra M. Rizal Maulini, Yul Maya Meilia Meilia Risna Meilia, Maya Muhammad Iqbal Fasa Muhammad Sunni Setiyo Mutiara Putri Pertiwi Utami Putri, Mutiara Eka RINI RINI Risen Anugrah Ramatullah SARI, YESSI AVITA Subagja, Agus Dedi Sumadi Buton Sumadi Buton Suparman, Ade Syaiful Anam Tulus Suryanto Umi Khulsum Utami, Rahayu Tri Yofy Syarkani Yul Maulini Yul Maulini Yulmaulini Yulmaulini Yulmaulini, Yulmaulini