Peluang dan Tantangan Inovasi Produk Asuransi Umum Syariah
DOI:
https://doi.org/10.30651/jms.v9i5.24788Abstract
Sejak Perusahaan Takaful didirikan pada tahun 1994 untuk menjawab meningkatnya permintaan akan layanan asuransi di kalangan individu dan komunitas korporasi Indonesia, asuransi syariah telah mendapatkan pengakuan di negara ini. Di rumah, asuransi berfungsi sebagai alat keuangan untuk mengelola risiko umum dan bahaya terhadap properti yang dimiliki. Evaluasi eksternal terhadap keadaan asuransi syariah saat ini dan prospek masa depan yang akan berdampak pada proses pencapaian tujuan lembaga keuangan syariah inilah yang coba dibaca dan dilihat oleh esai ini untuk memahami prospek dan permasalahan asuransi syariah. Berdasarkan analisis kekuatan lingkungan internal dan eksternal, situasinya akan dipelajari dan ditentukan kekuatan dan kelemahan asuransi syariah. Agar dapat dikembangkan produk dan layanan baru yang benar-benar berlandaskan prinsip fundamental syariah, artikel ini juga membahas peluang dan kesulitan inovasi produk asuransi umum syariah. Laporan ini juga menguraikan sejumlah faktor yang berkontribusi terhadap rendahnya tingkat penetrasi pasar asuransi syariah saat ini.
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