Peran dan Pengaruh Asuransi Syariah terhadap Kesejahteraan Masyarakat
DOI:
https://doi.org/10.30651/jms.v10i1.25226Abstract
Abstrak
Asuransi syariah merupakan salah satu instrumen keuangan yang didasarkan pada prinsip-prinsip syariah, seperti keadilan, solidaritas, dan berbagi risiko, yang bertujuan untuk meningkatkan kesejahteraan masyarakat. Penelitian ini bertujuan untuk menganalisis peran dan pengaruh asuransi syariah terhadap kesejahteraan masyarakat berdasarkan tinjauan literatur dari berbagai jurnal. Kajian ini menemukan bahwa asuransi syariah memiliki kontribusi signifikan dalam memberikan perlindungan finansial, mengurangi ketimpangan sosial, meningkatkan akses terhadap layanan kesehatan, serta memberdayakan ekonomi masyarakat, terutama kelompok rentan. Prinsip solidaritas sosial yang menjadi dasar asuransi syariah juga berperan dalam memperkuat hubungan antar anggota komunitas, menciptakan rasa kebersamaan, dan meningkatkan kualitas hidup masyarakat. Namun demikian, tantangan seperti rendahnya literasi keuangan syariah dan keterbatasan pemahaman masyarakat menjadi kendala utama dalam pengembangan asuransi syariah. Oleh karena itu, diperlukan upaya peningkatan edukasi, inovasi produk, dan strategi yang lebih inklusif agar manfaat asuransi syariah dapat dirasakan oleh semua lapisan masyarakat. Temuan ini diharapkan dapat memberikan wawasan bagi pengambil kebijakan dan pemangku kepentingan dalam mengoptimalkan peran asuransi syariah sebagai bagian dari sistem perlindungan sosial yang berkelanjutan.
Kata kunci: Asuransi syariah, kesejahteraan masyarakat, perlindungan finansial, solidaritas sosial, literasi keuangan
Abstract
Islamic insurance, or takaful, is a financial instrument based on sharia principles such as justice, solidarity, and risk-sharing, aimed at improving societal welfare. This study seeks to analyze the role and impact of Islamic insurance on community welfare through a literature review of various journals. The findings reveal that Islamic insurance significantly contributes to providing financial protection, reducing social inequality, enhancing access to healthcare, and empowering community economies, particularly for vulnerable groups. The social solidarity principle underlying Islamic insurance also strengthens relationships among community members, fosters a sense of togetherness, and improves overall quality of life. However, challenges such as low Islamic financial literacy and limited public understanding pose significant barriers to the development of Islamic insurance. Therefore, efforts to enhance education, product innovation, and more inclusive strategies are essential to ensure the benefits of Islamic insurance are accessible to all societal levels. These findings are expected to provide insights for policymakers and stakeholders in optimizing the role of Islamic insurance as part of a sustainable social protection system.
Keywords: Islamic insurance, community welfare, financial protection, social solidarity, financial literacy
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