TRANSFORMASI STRATEGIS ASURANSI SYARIAH DALAM MENINGKATKAN KONTRIBUSI TERHADAP EKONOMI SYARIAH NASIONAL
Keywords:
Islamic Insurance, Sharia Economy, Product Innovation, Financial Literacy, Pentahelix ModelAbstract
Strengthening the Islamic insurance (takaful) sector in Indonesia plays a strategic role in accelerating the growth of the national sharia economy. Despite being home to the largest Muslim population in the world, the contribution of Islamic insurance to the total national insurance premium remains relatively low, only around 7.8% or approximately IDR 16 trillion, significantly lagging behind conventional insurance premiums, which reached IDR 204.2 trillion. This study aims to examine and formulate effective strategies to enhance market penetration and the contribution of Islamic insurance to the national economy. Employing a descriptive qualitative approach, data were collected through in-depth interviews, document analysis, and focus group discussions (FGDs) involving key stakeholders. The findings indicate that the acceleration of the Islamic insurance industry is strongly influenced by three critical factors: product innovation, improvement of Islamic financial literacy, and cross-sector collaboration among the government, industry players, and educational institutions. Regulatory constraints and limited public trust must be addressed through proactive policies and sustained educational campaigns. This study recommends the pentahelix model as an integrated strategic framework to reinforce the role of Islamic insurance in supporting the development of Indonesia’s sharia-based economy.
References
Adinugraha, H. H. (2017). Pemikiran Ekonomi Islam Muhammad Syafi'i Antonio (Analisis Terhadap Perbankan Syariah Di Indonesia. Badan Penelitian Dan Pengembangan Agama Semarang.
Ali, P. H. (2008). Hukum Asuransi Syariah, Edisi 1. Jakarta: Sinar Grafika, Jakarta.
Antonio, M. S. (2023). The Role of Islamic Economics on Regional Economic Development: A Case in Indonesia. Management and Sustainability.
Azizah, L. N. (2023). Analisis Perbandingan Perkembangan Jumlah Perusahaan Asuransi Syariah Dengan Asuransi Konvensional di Indonesia Periode 2013-2022. Madani, Jurnal Ilmiah Multidisiplin, Yayasan Daarul Huda Kruengmane, Aceh.
BAPPENAS. (2019). Masterplan Ekonomi Syariah 2019-2024. Jakarta: BAPPENAS.
Bhandari. (2023). The Fundamental Principles of Social Sciences. AR&P Business Ethics and Leadership, 73-86.
Fikriyah, K. (2023). Perkembangan Keuangan Syariah dalam Realitas Politik di Indonesia. Jurnal Ilmiah Ekonomi Islam (JIES).
Harahap, N. H. (2023). PEMBAYARAN PREMI ASURANSI SYARIAH SEBAGAI TRANSFORMASI DAN BERKEMBANGNYA EKONOMI ISLAM DALAM KOMUNITAS PERSAINGAN EKONOMI GLOBAL. . Jurnal Al Qadhi, SEKOLAH TINGGI AGAMA ISLAM PANCABUDI, Qadhi, 1(1), 69–79.
Ichsan, N. (2014). Analisa swot, prospek dan strategi pengembangan asuransi syariah di Indonesia. Institutional Repository UIN Syarif Hidayatullah Jakarta, 283-313.
INDEF. (2022). INDONESIA SEEKS TO BECOME GLOBAL ISLAMIC ECONOMIC HUB . Indef Policy Brief, 1-6.
Komarudin. (2021). PENGANTAR EKONOMI SYARIAH (SEBUAH TINJAUAN TEORI DAN PRAKTIS). Bandung: Widina Bhakti Persada.
Kurniawan, Z. (2022). Buku Referensi Teori dan Praktik Inklusi dan Literasi Keuangan. Jakarta: Eureksa Medika Aksara.
Kusuma, M. F. (2020). Strategi Pengembangan Asuransi Syariah Bumiputera di Aceh Tahun 2016-2018 . Banda Aceh: Prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh .
Lestari, F. D. (2020). ANALISIS FISHBONE FAKTOR-FAKTOR YANG MENYEBABKAN RENDAHNYA ANTUSIASME MASYARAKAT TERHADAP ASURANSI SYARIAH DI INDONESIA. Journal of Islamic Business Management Studies (JIBMS), LPPM Institut Daarul Qur'an.
Lincoln, D. &. (2017). Critical qualitative methodologies: Reconceptualizations and emergent construction. International Review of Qualitative Research.
Mahri, J., & Team. (2021). Ekonomi Pembangunan Islam. Jakarta: Departemen Ekonomi dan Keuangan Syariah, Bank Indonesia.
Meliana, e. A. (2023). Strategi Pengembangan Produk Asuransi Syariah Indonesia Masa Pandemi Covid 19. Surakarta: El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam. Vol 4 No 5 (2023):.
Miftah Hanny Safira, M. G. (2021). Potensi Perkembangan Asuransi Syariah di Indonesia. Diponegoro Journal of Islamic Economics and Business.
Mukhlas, A. A. (2021). Konsep Kerjasama dalam Ekonomi Islam. Iqtishod: Jurnal Pemikiran Dan Penelitian Ekonomi Islam.
Mukhsinun. (2019). Dasar Hukum Dan Prinsip Asuransi Syariah Di Indonesia. LABATILA: Jurnal Ilmu Ekonomi Islam, 2019. Iainu-kebumen.ac.id.
OJK. (2023). Roadmap Perasuransian Indonesia 2023-2027. Jakarta: OJK.
Prasetyia, & Pangestuty. (2022). Analisis Kebijakan Publik: Pendekatan Ekonomi dan Studi Kasus. Malang: Universitas Brawijaya Press.
Pratama, A. N. (2022). Prilaku Hijrah Konsumen Muslim. Jakarta: Kencana, Prenada Media Group.
SGIE. (2023). The State of Global Islamic Economy Report 2023/2024. The State of Global Islamic Economy (SGIE).
Shinta Kameliya, T. F. (2022). Analisis Komparatif Penerapan Sistem Asuransi Syariah Antara Indonesia dengan Inggris. NATIONAL SEMINAR ON ACCOUNTING, FINANCE, AND ECONOMICS (NSAFE). Malang: Universitas Negeri Malang.
Soemitra, A. (2020). Hukum Ekonomi Syariah dan Fiqih Muamalah di Lembaga Keuangan dan Bisnis Kontemporer. Publikasi UIN Batusangkar.
Suma, P. A. (2021). Asuransi Syariah Di Indonesia: Telaah Teologis, Historis, Sosiologis, Yuridis dan Futurologis. Jakarta: AMZAH.
Teguh Suripto, A. S. (2017). Analisa Penerapan Prinsip Syariah dalam Asuransi . JESI (Jurnal Ekonomi Syariah Indonesia.
Wardoyo, D. (2022). Perbandingan Penerapan Standar Akuntansi Keuangan Terhadap Asuransi Syariah dan Asuransi Konvensional Pada Contract Insurance: Studi Literatur. ULIL ALBAB : Jurnal Ilmiah Multidisiplin.
