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All Journal Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah International Journal of Islamic Economics (IJIE)
Zulfah Jannatul Karimah
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Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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SHARIAH INSURANCE AS AN ALTERNATIVE CHOICE FOR NON-MUSLIM COMMUNITIES IN INDONESIA: 1. History of Insurance in Indonesia 2. Basic Concept of Shariah Insurance 3. Shariah Insurance as an Alternative Across Religions Zulfah Jannatul Karimah; Rifa Nur Alifah; Qomarul Huda
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 1 (2025): Oktober
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i1.58834

Abstract

Abstrak Asuransi syari’ah tidak hanya diminati oleh umat muslim saja, tetapi juga menjadi pilihan alternatif bagi masyarakat non-muslim di Indonesia. Penelitian ini bertujuan untuk mendeksripsikan asuransi syari’ah sebagai pilihan perlindungan risiko lintas agama. Metode kualitatif deskriptif melalui studi literatur dipilih untuk mengidentifikasikan faktor-faktor yang mempengaruhi minat masyarakat non-muslim terhadap produk asuransi syari’ah. hasil penelitian menujukkan bahwa penerimaan masyarakat non-muslim terhadap asuransi syari’ah dipengaruhi oleh presepsi, pemahaman, dan kebutuhan finansial mereka. Kendala utama yang sering dihadapi adalah kurangnya edukasi dan promosi yang menyebabkan asuransi konvensional lebih banyak dikenal. Dengan demikian, asuransi syari’ah dapat menjadi alternatif yang menarik dan beretika bagi masyarakat lintas agama apabila didukung dengan sosialisasi dan promosi yang efektif. Kata Kunci: Asuransi Syari’ah, Non-Muslim   Abstract Shariah insurance is not only in demand by Muslims, but also an alternative choice for non-Muslim communities in Indonesia. This research aims to describe shariah insurance as an interfaith risk protection option. Descriptive qualitative method through literature study was chosen to identify the factors that influence non-Muslims' interest in shariah insurance products. The results showed that non-Muslims' acceptance of shariah insurance is influenced by their perception, understanding, and financial needs. The main obstacle that is often faced is the lack of education and promotion which causes conventional insurance to be more widely known. Thus, shariah insurance can be an attractive and ethical alternative for interfaith communities if supported by effective socialization and promotion. Keywords: Insurance, Non-Muslims
The Impact of Zakat and Macroeconomics on Poverty in Indonesia: A Panel Data Analysis of 34 Provinces Febrianto, M. Nanang; Herlina Wati; Zulfah Jannatul Karimah
Jurnal Internasional Ekonomi Islam Vol 7 No 02 (2025): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v7i02.11243

Abstract

Introduction: Poverty is a multidimensional problem that requires integrated policies in its management as part of efforts to eradicate poverty. Objective: This study aims to examine the effects of zakat, gross domestic product, the open unemployment rate, and the Gini index on poverty across 34 provinces in Indonesia. Method: This study employed a quantitative, associative approach. The data are panel data from 34 provinces in Indonesia, covering 2019 to 2023, sourced from the Central Statistics Agency and the National Zakat Agency. Data analysis was conducted using a fixed-effects panel-data regression model.  Results: Zakat, Infaq, and Sedekah have a positive but insignificant effect on poverty. Gross Domestic Product has a negative but insignificant effect on poverty. Meanwhile, the Open Unemployment Rate and the Gini Index have positive and significant effects on poverty, indicating that increases in these variables are associated with higher poverty. Unemployment is driven by limited job opportunities, low skills, and limited experience, while the high Gini index (income inequality) stemming from unequal income distribution affects the cycle of poverty. Implication: The results can serve as a reference for developing plans and policies to optimize poverty alleviation, particularly in providing employment and inclusive income distribution.
Co-Authors Febrianto, M. Nanang Herlina Wati Qomarul Huda Rifa Nur Alifah