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All Journal Jurnal CENDIKIA ISNU Jurnal Cendikia ISNU SU International Journal of Islamic Business Management
Fatimah Nainggolan
Universitas Islam Negeri Sumatera Utara
Religion Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Legal Aspects of Sharia Insurance Agreements: A Review of Sharia Principles in Insurance Products Dea salsabila; Salsabila Lubis; Arya Advany; Siti Nurlina; Fatimah Nainggolan
Jurnal Cendikia ISNU SU Vol. 2 No. 2 (2025): ISNU Cendikia September
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jcisnu.v2i3.949

Abstract

Sharia insurance is a form of protection agreement based on the principles of Islamic law, as an alternative to the conventional insurance system that contains elements of gharar, maysir, and riba. This research aims to examine the legal aspects of sharia insurance agreements in Indonesia, with an emphasis on the compatibility between the contract in the policy and sharia principles such as ta'awun, tabarru' contract, tijarah contract, as well as the value of justice and transparency. The method used is a literature study with a normative juridical approach, through an examination of laws and regulations, DSN-MUI fatwas, and the results of previous research. The results of the study show that although sharia insurance already has a strong legal basis in positive law and muamalah fiqh, the practice still faces challenges in terms of the clarity of the contract, the management of participant funds, and the dispute resolution mechanism. Therefore, harmonization between national law and Islamic law, as well as strengthening technical regulations and education to the public, is needed to realize a sharia insurance system that is fully sharia-compliant.
Legal Aspects of Sharia Insurance Agreements: A Review of Sharia Principles in Insurance Products Dea salsabila; Salsabila Lubis; Arya Advany; Siti Nurlina; Fatimah Nainggolan
Jurnal Cendikia ISNU SU Vol. 2 No. 2 (2025): ISNU Cendikia September
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jcisnu.v2i3.949

Abstract

Sharia insurance is a form of protection agreement based on the principles of Islamic law, as an alternative to the conventional insurance system that contains elements of gharar, maysir, and riba. This research aims to examine the legal aspects of sharia insurance agreements in Indonesia, with an emphasis on the compatibility between the contract in the policy and sharia principles such as ta'awun, tabarru' contract, tijarah contract, as well as the value of justice and transparency. The method used is a literature study with a normative juridical approach, through an examination of laws and regulations, DSN-MUI fatwas, and the results of previous research. The results of the study show that although sharia insurance already has a strong legal basis in positive law and muamalah fiqh, the practice still faces challenges in terms of the clarity of the contract, the management of participant funds, and the dispute resolution mechanism. Therefore, harmonization between national law and Islamic law, as well as strengthening technical regulations and education to the public, is needed to realize a sharia insurance system that is fully sharia-compliant.
STRATEGI PEMASARAN PRODUK ASURANSI SYARIAH DALAM MENARIK MINAT GENERASI MILENIAL MELALUI MEDIA SOSIAL Dea Salsabila; Fatimah Nainggolan; Siti Nurlina Nasution; Nur Hayati Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 5 No 3 (2026)
Publisher : CV. Barokah Publsiher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

In the current digital era, sharia insurance product marketing strategies need to be adapted to the preferences and behavior of the millennial generation who tend to be active on social media. This research aims to analyze marketing strategies for sharia insurance products that are effective in attracting the interest of the millennial generation through social media. The research method used is a literature study to collect information about the characteristics of the millennial generation, consumer behavior and social media marketing strategies. The research results show that the millennial generation tends to be skeptical of financial products, but they are very connected tosocial media and are more receptive to information through recommendations from fellow users. Therefore, an effective sharia insurance product marketing strategy must focus on creating content that is informative, interesting and relevant to the needs andvalues of the millennial generation. Apart from that, collaborating with digital influencers and utilizing interactive features on social media platforms can also increase product appeal. This research contributes to understanding how to effectively reachthe millennial generation as a potential target market for sharia insurance products through social media.
Co-Authors Arya Advany Dea salsabila Nur Hayati Harahap Salsabila Lubis Siti Nurlina Siti Nurlina Nasution