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All Journal Jurnal Pajak dan Analisis Ekonomi Syariah Jurnal Ekonomi Manajemen Dan Bisnis (JEMB)
Andara Safitri Fahiratunisa
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Economics, Econometrics & Finance Other

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Analisis Prosedur Penutupan Akad Asuransi Syariah dan Pengembangan Perusahaan Asuransi Syariah di Indonesia Carisa Aulia Azzahra; Andara Safitri Fahiratunisa; M. Naufal Amin; Joni Ahmad Mughni; Raihani Fauziah
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 3 No. 2 (2025): November
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v3i2.5932

Abstract

Penelitian ini berangkat dari fenomena rendahnya literasi dan penetrasi asuransi syariah di Indonesia meskipun mayoritas penduduk beragama Islam, yang berdampak pada keterbatasan pasar dan tingginya persaingan dengan asuransi konvensional. Tujuan penelitian adalah menganalisis cara penutupan akad atau kontrak asuransi, memahami tiga kemungkinan dasar penetapan harga pertanggungan, serta meninjau perkembangan dan tantangan perusahaan asuransi syariah. Metode yang digunakan adalah studi literatur dengan pendekatan kualitatif deskriptif, bersumber dari artikel ilmiah, laporan industri, dan publikasi perusahaan asuransi. Hasil penelitian menunjukkan bahwa penutupan polis dapat dilakukan melalui prosedur resmi atau secara otomatis akibat berhentinya pembayaran premi; besarnya harga pertanggungan umumnya ditentukan oleh nilai pasar, ongkos perjalanan, atau kesepakatan khusus; serta perkembangan asuransi syariah di Indonesia menunjukkan tren positif, meskipun pangsa pasar masih terbatas. Kesimpulan penelitian menegaskan bahwa asuransi syariah berpotensi berkembang jika didukung edukasi literasi, inovasi produk, dan regulasi yang memadai. Implikasi dari studi ini adalah perlunya strategi peningkatan kesadaran masyarakat sekaligus memperkuat diferensiasi produk syariah agar mampu bersaing dengan asuransi konvensional.
Implementasi dan Kepatuhan Prinsip Halal pada Produk Farmasi dan Kosmetik Sindi Setiawati; Mutia Latifa; Andara Safitri Fahiratunisa; Lina Marlina
Jurnal Pajak dan Analisis Ekonomi Syariah Vol. 2 No. 4 (2025): Oktober: Jurnal Pajak dan Analisis Ekonomi Syariah
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jpaes.v2i4.1573

Abstract

This study aims to examine the implementation and compliance with halal principles in pharmaceutical and cosmetic products in Indonesia. The halal aspect in these industries is crucial, as it directly relates to the permissibility of raw materials, production processes, and distribution that are consumed and used by Muslim communities. The research method applied is a literature review, analyzing government regulations, religious fatwas, and relevant previous studies. The findings indicate that the implementation of halal principles covers various aspects, including the selection of raw materials free from prohibited or impure substances, production processes that meet hygiene and halal standards, proper storage, distribution that is separated from non-halal products, and transparent marketing strategies. Producers’ compliance with halal requirements is influenced by several factors, such as growing consumer awareness, the role of government regulations in mandating halal certification, and corporate social as well as ethical responsibility. Nevertheless, there are still obstacles in its application, including the limited understanding of halal standards among certain producers, the lack of halal testing facilities, and certification costs that are considered burdensome for small and medium-sized enterprises. This study emphasizes that the success of halal implementation in pharmaceutical and cosmetic products requires collaboration among all stakeholders, including government bodies, halal certification authorities, industries, and society. Through such synergistic efforts, the sustainability of the halal industry can be ensured while also providing safety, comfort, and spiritual assurance for Muslim consumers in Indonesia.
Co-Authors Carisa Aulia Azzahra Joni Ahmad Mughni Lina Marlina M. Naufal Amin Mutia Latifa Raihani Fauziah Sindi Setiawati