Maqashid Syariah and Consumer Protection: Rebuilding Gen Z Trust in Sharia Insurance

Najma Taralia Farah (Sunan Kalijaga State Islamic University Yogyakarta Indonesia)
Joko Setyono (Sunan Kalijaga State Islamic University Yogyakarta Indonesia)
Samsul Hadi (Sunan Kalijaga State Islamic University Yogyakarta Indonesia)
Navi Risanti (Sunan Kalijaga State Islamic University Yogyakarta Indonesia)
Fattah S. Santoso (Universitas Cokroaminoto Yogyakarta Indonesia)
Ali Sayyid Mata (A'Sharqiyah University Ibra Oman)

Asas wa Tandhim: Jurnal Hukum, Pendidikan, dan Sosial Keagamaan
Vol. 6 No. 1 (2027): In Progress

This normative legal research examines why Generation Z remains hesitant toward sharia insurance despite growing digital literacy and relatively high religiosity. Within conceptual and statutory approach, it argues that low Islamic financial literacy, information overload, and the gap between normative sharia principles and actual industry practice are the main factors undermining trust. Framed through the lens of maqashid syariah, the study finds that trust cannot be built on religious labelling requires tangible evidence of transparency, fair governance, and real-world benefits. Strengthening digital literacy programmes, improving product transparency, and anchoring institutional governance in measurable maqashid indicators are proposed as concrete steps toward rebuilding Generation Z’s confidence in sharia insurance.