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All Journal Syar'Insurance: Jurnal Asuransi Syariah
Siti nur izzati
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Economics, Econometrics & Finance

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Analisis BPJS Kesehatan Ditinjau dari Perspektif Asuransi Syariah Amelia, Amelia; Siti nur izzati; Purwanto, Muhamad Aji
Syar'Insurance: Jurnal Asuransi Syariah Vol. 10 No. 1 (2024): Juni 2024
Publisher : UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/sijas.v10i1.10366

Abstract

Analysis of BPJS Health from a sharia insurance perspective is an important topic in studying the effectiveness of the health system in Indonesia. This research aims to understand the extent to which the implementation of BPJS Health can be aligned with sharia insurance principles, as well as its impact on public health services. The analysis method includes literature studies related to sharia insurance principles and evaluation of BPJS Health's performance in providing health protection for participants. The results of the analysis show that although BPJS Health has succeeded in providing wider access to health for the Indonesian people, there are still several aspects that are not in line with sharia insurance principles. Some of these include fund management, payment mechanisms, and uncertainty of benefits for participants. This study provides insight into the importance of harmonization between the national health insurance system and sharia values. The implication of this analysis is the need for reform in the structure and operations of BPJS Health to pay more attention to sharia principles in order to increase the effectiveness, fairness and sustainability of the national health system. Further research could focus on implementation strategies that are more in line with sharia insurance principles to improve the health system as a whole.
Faktor yang Mempengaruhi Minat Generasi Milenial dalam Menggunakan Produk Asuransi Syari’ah Syaputri, Windi Aprillian; Siti nur izzati; Arini, Zesxia Viviola
Syar'Insurance: Jurnal Asuransi Syariah Vol. 10 No. 1 (2024): Juni 2024
Publisher : UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/sijas.v10i1.10409

Abstract

Sharia insurance is one of the sharia financial products chosen by the public, especially the millennial generation who are Muslim. This is because there is awareness regarding insurance that does not contain usury, gharar and maisir, so sharia insurance is chosen because it is guided by sharia principles. Basically, the millennial generation in Bengkalis is interested in using sharia insurance products. However, there are many reasons why this desire is not realized, one of which is because the number of sharia insurance agents or companies in Bengkalis is very small. This research was conducted using descriptive qualitative methods with data collection tools in the form of interviews and literature studies. The research results show that the millennial generation, especially those who adhere to the Islamic religion, are interested in using sharia insurance products. However, in Bengkalis it is still very rare to find sharia insurance companies or agents so that the desire of the millennial generation to use sharia insurance cannot be realized optimally. There are several factors that can influence the millennial generation's interest in using sharia insurance, including religiosity (religion), promotional factors, social factors, personal factors, financial literacy factors, and income factors. The author also provides advice to the parties concerned, especially on Bengkalis Island, to provide outreach to the millennial generation regarding sharia insurance products and expand the target market by increasing the number of sharia insurance companies or agents to accommodate the interests of the millennial generation in Bengkalis towards sharia insurance products.
Co-Authors Amelia Amelia Arini, Zesxia Viviola Muhamad Aji Purwanto Syaputri, Windi Aprillian