<![CDATA[Abstrak Asuransi dalam perspektif ekonomi Islam dikenal dengan istilah takaful. Konsep dasar asuransi syariah merupakan hasil dari upaya untuk menghadirkan sistem perlindungan keuangan yang sejalan dengan prinsip-prinsip syariah Islam. Asuransi syariah memiliki perbedaan dengan asuransi konvensional. Asuransi syariah mulai dikenal di Indonesia pada awal tahun 1990-an. Latar belakang kemunculannya berkaitan erat dengan meningkatnya kesadaran keagamaan umat Islam tentang asuransi syariah, serta kritik terhadap sistem asuransi konvensional. Asuransi syariah di Indonesia memiliki potensi untuk berkembang karena mayoritas masyarakat Indonesia beragama Islam. Namun demikian asuransi syariah masih membutuhkn inovasi dari segi produk asuransi syariah. Kurangnya pemanfaatan teknologi menjadi salah satu penyebab lambatnya inovasi asuransi syariah. Kata Kunci: Asuransi, Ekonomi Islam, Syariah Abstract Insurance in the perspective of Islamic economics is known as takaful. The basic concept of sharia insurance is the result of efforts to present a financial protection system that is in line with Islamic sharia principles. Sharia insurance is different from conventional insurance. Sharia insurance began to be known in Indonesia in the early 1990s. The background to its emergence is closely related to the increasing religious awareness of Muslims about sharia insurance, as well as criticism of the conventional insurance system. Sharia insurance in Indonesia has the potential to grow because the majority of Indonesian people are Muslim. However, sharia insurance still needs innovation in terms of sharia insurance products. The lack of utilization of technology is one of the causes of the slow innovation of sharia insurance. Keywords:Insurance, Islamic Economics, Syariah]]>
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