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All Journal Jurnal Review Pendidikan dan Pengajaran (JRPP) International Journal of Multidisciplinary Research of Higher Education (IJMURHICA)
Pulungan, Silviani
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Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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INOVASI PRODUK ASURANSI SYARIAH DI ERA DIGITAL : PELUANG DAN TANTANGAN DI INDONESIA Pulungan, Silviani; Daulay, Aqwa Naser
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 4 (2024): Special Issue Vol. 7 No. 4 Tahun 2024
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i4.37415

Abstract

Asuransi syariah sebagai bagian dari sistem keuangan Islam, memainkan peran penting dalam melindungi masyarakat dari risiko dengan cara yang sesuai dengan prinsip – prinsip syariah. Seiring dengan perkembangan teknologi digital, terjadi tranformasi signifikan dalam cara asuransi syariah disajikan dan akses oleh masyarakat. Era digital telah membawa perubahan signifikan di berbagai sektor, termasuk industri asuransi syariah di Indonesia. Inovasi teknologi dan digitalisasi menjadi faktor utama yang mendorong perkembangan produk asuransi syariah. Artikel ini membahas peluang dan tantangan dalam inovasi produk asuransi syariah di era digital di Indonesia, serta bagaimana teknologi dapat dimanfaatkan untuk memperluas jangkauan pasar, meningkatkan layanan, dan memenuhi kebutuhan konsumen modern. Selain itu, tantangan terkait regulasi, literasi keuangan, dan adaptasi teknologi oleh perusahaan asuransi syariah juga dianalisis. Penelitian ini berfokus pada analisis kualitatif dari berbagai literatur dan studi kasus terkait implementasi inovasi digital dalam produk asuransi syariah di Indonesia. Namun tantangan yang melibatkan regulasi, literasi digital, dan keamanan data harus diatasi agar inovasi tersebut dapat berkembang dengan optimal.
Muslim Perceptions of Islamic Insurance: An Analysis of the Fatwa by Indonesia’s National Sharia Council Pulungan, Silviani; Jannah, Nurul; Yanti, Nursantri
International Journal of Multidisciplinary Research of Higher Education Vol 8 No 4 (2025): (October) Theme Education, Religion Studies, Social Sciences, STEM, Economic, Tou
Publisher : Islamic Studies and Development Center in Collaboration With Students' Research Center Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ijmurhica.v8i4.438

Abstract

This study examines how the public interprets the implementation of the Indonesian Ulema Council's National Sharia Council Fatwa on sharia insurance in sharia insurance products. The approach used is descriptive qualitative through in-depth interviews with six informants selected purposively. The data was organized and read repeatedly, then analyzed thematically to find patterns of views, especially related to contracts, tabarru' fund flows, and the claims process. The results show an initial positive attitude due to the religious legitimacy of the fatwa, but technical understanding is still limited. Doubts mainly arise regarding the differences in principles with conventional insurance, clarity of costs, transparency of fund management, and the speed and certainty of claims. Perceptions are influenced by religious values, exposure to information, level of education, the influence of family/religious leaders, and service experience. The study recommends simple one-page product communication, ongoing community-based education, and concise periodic reporting to make fatwa implementation more effective, increase trust, and strengthen interest in participating in Islamic insurance.
Co-Authors Aqwa Naser Daulay Nursantri Yanti Nurul Jannah