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All Journal Al-Ulum Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Jurnal Ilmiah Ekonomi Islam Economica: Jurnal Ekonomi Islam SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam ILTIZAM Journal of Sharia Economic Research JURIS (Jurnal Ilmiah Syariah) TSAQAFAH Al-Maslahah Economics and Digital Business Review El-kahfi : Journal of Islamic economics El-Hekam : Jurnal Studi Keislaman Jurnal Ekonomi dan Perbankan Syariah Al-bank: Journal of Islamic Banking and Finance TAMWIL: Jurnal Ekonomi Islam Al-Hisbah Jurnal Ekonomi Syariah Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan ITQAN: Journal of Islamic Economics, Management, and Finance Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Jurnal Al-ittifaq Imara: Jurnal Riset Ekonomi Islam Jurnal Manajemen Bisnis Syariah JSE: Jurnal Sharia Economica Al-bank: Journal of Islamic Banking and Finance Madania: Jurnal Kajian Keislaman Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Asian Journal of Muslim Philanthropy and Citizen Engagement
Fahlefi, Rizal
Institut Agama Islam Negeri Batusangkar
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Innovations in Sharia Insurance Products and Business Models: A Comparative Study of Crowd Takaful, Sharing Tabarru’ and Peer-to-Peer Insurance Saharuddin, Desmadi; Fahlefi, Rizal; Alimin; Shabri, Husni
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16455

Abstract

This study aimed to examining innovations in Sharia-compliant insurance products and business models, specifically crowd takaful, sharing tabarru, and peer-to-peer insurance. The methodology applied follows the PRISMA framework, involving a comprehensive search in the Scopus database, strict selection criteria, and thematic qualitative and quantitative analysis to ensure reliability and relevance of the reviewed literature. Key findings reveal that crowd takaful and peer-to-peer insurance models significantly enhance financial inclusion and uphold ethical insurance principles aligned with Sharia values, with fintech technologies driving operational efficiency and transparency. The discussion highlights how integrating Islamic values into technological innovations deepens understanding and adaptation of these insurance models while identifying regulatory and moral hazard challenges that hinder broader development. The conclusion emphasizes this study’s contribution in linking Islamic economic theory with financial technology advances and its practical implications for regulatory innovation and financial literacy promotion. Future research is recommended to focus on cross-cultural comparative studies, development of hybrid theoretical frameworks combining Islamic economics with innovation diffusion and behavioral finance, and advanced bibliometric analyses to map academic progress and policy collaboration. This study aims to boost academic visibility with SEO-friendly keywords relevant to Sharia insurance and modern financial technology.
Co-Authors AA Sudharmawan, AA AFRIANI AFRIANI Afriani Afriani Afril, Afril Ahmad Lutfi AHMAD LUTFI Akmal, Reza Alimin Alimin Alimin Alimin Alimin, Alimin Amuz, Annisa Arifah, Lidyana Asyari Hasan Azizah, Aprilia Nur Bahreni, Fitri Candra, Revi Darniati, Lili Deni Putra, Muhammad Desmadi Saharuddin Desmadi Saharuddin, Desmadi Deswan, Roki Ade Diana Putri, Meli Effendi, Amri Elfadhli Elfadhli, Elfadhli Elimartati Elimartati Erniyanti, Liza Fadilla, Siti Febri Yolanda, Dwi Firdaus, Nil Gustomi, Asrul Hidayati , Azifah Hidayati, Azifah Himyar Pasrizal HUSNI SHABRI Indah Fitrah Nauri Intan Purnama Sari Ismail, Dailani kamali kamali, kamali Kasih, Santi Yulia Masdar, Rita Miftahul Jannah MUHAMMAD MANSUR Nauri, Indah Fitrah Nita Fitria Nita Fitria Nurul Fauzi Nurwijayanti Putra, Muhammad Deni Putri, Lara Aziza Putri, Siska Qutranada, Vira Rahmat Firdaus Ramadhan, Rifki Rasna, Fauzia Rizal Rizal Roki Ade Deswan Saputra, Ega Saputra, Megi Sari, Rivian Anda Shahmi, Mohammad Aliman Sitri Nofrita Sari Wadi, Moh. Widi Nopiardo Widi Nopiardo Widia Lestari Witri, Witri Zainuddin Zainuddin Zainuddin, Zainuddin Zetria, Fauza Dwi Zikri, Miftahul Zulkifli Zulkifli