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All Journal Jurnal Atma Inovasia Jurnal Riset Rumpun Matematika dan Ilmu Pengetahuan Alam (JURRIMIPA) Masyarakat Berkarya: Jurnal Pengabdian dan Perubahan Sosial Journal of applied statistics and data mining
Arista Fitri Diana
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Journal : Journal of applied statistics and data mining

 1 
The Development of Sharia Insurance in Indonesia, Malaysia and England Evi Noriana Herawati; Arista Fitri Diana
Journal of Applied Statistics and Data Mining Vol. 4 No. 1 (2023): Journal Applied Statistics and Data Mining
Publisher : Institut Teknologi Statistika dan Bisnis Muhammadiyah Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63229/jasdm.v4i1.61

Abstract

Artikel ini merupakan studi literatur mengenai perkembangan dan penerapan asuransi syariah di Indonesia, Malaysia, dan Inggris. Penelitian ini bertujuan untuk memberikan pemahaman yang lebih komprehensif tentang implementasi asuransi syariah di ketiga negara tersebut, serta mengeksplorasi tantangan, peluang, dan dampaknya terhadap perekonomian masyarakat dengan latar belakang budaya, hukum, dan ekonomi yang berbeda. Hasil studi menunjukkan bahwa asuransi syariah telah berkembang pesat di ketiga negara tersebut, dengan dukungan regulasi yang kuat serta fatwa dari lembaga-lembaga terkait, seperti Majelis Ulama Indonesia (MUI), yang juga berkontribusi terhadap perekonomian lokal. Prinsip dasar asuransi syariah, seperti keadilan dan tolong-menolong, menjadi landasan utama dalam operasionalnya. Secara keseluruhan, studi ini mengungkapkan bahwa asuransi syariah memiliki potensi besar dalam memberikan manfaat ekonomi, sosial, dan moral, tidak hanya bagi individu yang terlibat langsung, tetapi juga bagi masyarakat yang lebih luas. Dengan regulasi yang jelas, dukungan dari lembaga terkait, serta pemahaman mendalam tentang prinsip-prinsip syariah, asuransi syariah di Indonesia, Malaysia, dan Inggris dapat terus berkembang dan menjadi alternatif yang lebih inklusif serta adil bagi komunitas global.
Innovation of Sharia Insurance Products as a Competitive Strategy with Conventional Insurance Agung Ginanjar; Arista Fitri Diana
Journal of Applied Statistics and Data Mining Vol. 4 No. 1 (2023): Journal Applied Statistics and Data Mining
Publisher : Institut Teknologi Statistika dan Bisnis Muhammadiyah Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63229/jasdm.v4i1.62

Abstract

Artikel ini merupakan studi literatur tentang inovasi-inovasi pada produk asuransi syariah. Asuransi syariah merupakan usaha saling melindungi atau tolong menolong melalui investasi dalam bentuk aset yang memberikan pola pengembalian untuk menghadapi risiko tertentu melalui akad yang sesuai dengan syariah. Asuransi Syariah di Indonesia berkembang sejak tahun 1994 dengan didirikan PT Asuransi Tafakul Indonesia hingga sekarang, namun dalam perkembangannya masih banyak tantangan yang dihadapi. Penelitian ini diharapkan memberikan pemahaman menyeluruh tentang pengembangan produk asuransi syariah melalui upaya inovasi untuk bersaing dengan asuransi konvensional. Dengan adanya inovasi ini diharapkan dapat mengoptimalkan potensi yang besar dari asuransi syariah di Indonesia dan dapat bersaing dengan asuransi konvensional yang lebih dikenal oleh masyarakat luas. Hasil dari penelitian yang dilakukan menunjukkan bahwa peluang besar pada inovasi asuransi syariah dalam digitalisasi, berkembangnya asuransi syariah yang berbasis fintech dan asuransi syariah dengan inovasi hybrid. Metode yang digunakan dalam penelitian ini yaitu studi literatur dari jurnal,karya ilmiah, buku, dan website yang menjadi acuan penulisan.
The Benefits of Sharia Insurance for MSMEs at PT Zurich Asuransi Indonesia Tbk Putri Ardelia, Nova; Arista Fitri Diana; Zakaria Bani IKhtiyar
Journal of Applied Statistics and Data Mining Vol. 6 No. 1 (2025): Journal Applied Statistics and Data Mining
Publisher : Institut Teknologi Statistika dan Bisnis Muhammadiyah Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63229/jasdm.v6i1.91

Abstract

Background: Islamic insurance in Indonesia has grown significantly into a modern financial institution capable of competing with conventional insurance. In this context, the micro, small, and medium enterprises (MSMEs) sector is among the major beneficiaries, as Islamic insurance offers protection aligned with the values and needs of the Muslim community. The Indonesian government continues to promote the development of Islamic microinsurance as part of its strategy to strengthen the halal industry and support the economic resilience of MSMEs. Objective: This study aims to examine in depth the benefits of Islamic insurance for MSMEs in Indonesia, with a particular focus on PT Zurich Asuransi Indonesia Tbk as a provider of Islamic insurance products designed to support the MSME sector.t did you want to find out? Methods: This research uses a literature review methodology by analyzing various academic sources, government policies, and industry reports related to the development and implementation of Islamic insurance for MSMEs in Indonesia. Results: The findings show that Islamic insurance provides various benefits to MSMEs, including protection against operational risks, natural disasters, and economic uncertainty. Innovative and effectively managed Islamic microinsurance products enable MSMEs to access affordable protection. PT Zurich Asuransi Indonesia Tbk plays an active role in offering insurance products that are compliant with sharia principles and tailored to the specific needs of MSMEs. Conclusion: This study concludes that Islamic insurance is an important instrument in supporting the sustainability and growth of MSMEs in Indonesia. The protection it offers serves not only as a financial safety net but also as a driver of a sharia-based economy. Future research should explore the empirical impact of Islamic insurance products on the long-term resilience and development of MSMEs.
Sharia Insurance: An Islamic-Based Financial Protection Solution Muhamad Ibnu Hajar; Arista Fitri Diana; Lathifatul Aulia
Journal of Applied Statistics and Data Mining Vol. 6 No. 1 (2025): Journal Applied Statistics and Data Mining
Publisher : Institut Teknologi Statistika dan Bisnis Muhammadiyah Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63229/jasdm.v6i1.93

Abstract

Background: In Indonesia, Sharia Financial Institutions continue to develop, including in addition to banking companies, such as Sharia Insurance Institutions, Sharia Capital Markets, Sharia Pawnshops, Sharia Financial Institution Pension Fund (DPLK), Sharia Cooperatives, Waqf Agencies, Amil Zakat Agencies, BMT (Baitu al-Mâl wa at-Tamwil) and others. Although sharia insurance continues to develop, public interest is still lacking. This is based on a lack of literacy and socialization related to sharia insurance. Objective: This article aims to review more deeply matters related to sharia insurance, such as its definition, law, history, development, types of contracts, principles, differences between sharia and conventional insurance, premiums, and sharia insurance claims. The goal is to improve public understanding and confidence in sharia insurance. Methods: The method used in this study is a literature review. Results: This study provides a comprehensive synthesis of existing literature related to sharia insurance. Although no new empirical data is presented, the discussion highlights key aspects to address the public's lack of understanding and interest in sharia insurance. Conclusion: The study is expected to help the public better understand sharia insurance so that they become more confident and willing to take out insurance. Further research could focus on evaluating the effectiveness of educational or socialization programs to increase public literacy and participation in sharia insurance.
Co-Authors Agung Ginanjar Aini Mawar Mardiyah Ardani Duta Ilham Syaifullah Aulia, Lathifatul Evi Noriana Herawati Khoerul Soleh Muhamad Ibnu Hajar Muhammad Haikal Darmawan Mukhlidin Muslikhun, Alfin Putri Ardelia, Nova Rowiyani Rowiyani Rowiyani Sulistijanti, Wellie Zakaria Bani Ikhtiyar