Perbandingan Efektivitas Produk Asuransi Jiwa dan Gadai Emas dalam Pengelolaan Risiko Keuangan Individu

Authors

  • Mayang Abroro Universitas Ahmad Dahlan
  • Salvira Aulia Bani Universitas Ahmad Dahlan
  • Hilma Fanniar Rohman Universitas Ahmad Dahlan

DOI:

https://doi.org/10.30651/jms.v10i4.27335

Abstract

Penelitian ini bertujuan untuk menganalisis efektivitas produk asuransi jiwa dalam menyediakan perlindungan risiko keuangan individu, serta menganalisis efektivitas gadai emas dalam pengelolaan likuiditas dan mitigasi risiko keuangan. Metode penelitian yang digunakan adalah pendekatan kuantitatif komparatif dengan desain penelitian komparatif, yang memungkinkan perbandingan sistematis kedua instrumen dalam konteks stabilitas finansial individu. Hasil penelitian menunjukkan bahwa asuransi jiwa terbukti efektif dalam memberikan perlindungan finansial jangka panjang terhadap risiko besar seperti kematian atau cacat, dengan kontribusi signifikan terhadap stabilitas pendapatan keluarga tertanggung. Sementara itu, gadai emas dinilai unggul dalam penyediaan likuiditas cepat untuk kebutuhan mendesak, sekaligus berfungsi sebagai lindung nilai terhadap inflasi dan fluktuasi ekonomi. Kesimpulan penelitian menegaskan bahwa strategi pengelolaan risiko keuangan individu yang optimal adalah dengan mengombinasikan kedua instrumen ini secara sinergis. Edukasi keuangan yang komprehensif sangat diperlukan untuk mendukung keputusan finansial yang lebih terinformasi dan adaptif terhadap berbagai kondisi ekonomi

Downloads

Published

2025-08-08

How to Cite

Mayang Abroro, Salvira Aulia Bani, & Hilma Fanniar Rohman. (2025). Perbandingan Efektivitas Produk Asuransi Jiwa dan Gadai Emas dalam Pengelolaan Risiko Keuangan Individu. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(4). https://doi.org/10.30651/jms.v10i4.27335

Issue

Vol. 10 No. 4 (2025)

Section

Artikel

License

The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya as publisher of the journal.

Copyright encompasses exclusive rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. The reproduction of any part of this journal, its storage in databases and its transmission by any form or media, such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc., will be allowed only with a written permission from Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.

Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya, the Editors and the Advisory Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the Tadarus are sole and exclusive responsibility of their respective authors and advertisers.

Rights of Authors
The Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah And Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya recognize the retention of the following:

  • Patent and trademark rights and rights to any process or procedure described in the article.
  • The right to photocopy or make single electronic copies of the article for their own personal use, including for their own classroom use, or for the personal use of colleagues, provided the copies are not offered for sale and are not distributed in a systematic way outside of their employing institution (e.g. via an e-mail list or public file server). Posting of an article on a secure network (not accessible to the public) within the author institution is permitted.
  • The right, subsequent to publication, to use the article or any part thereof free of charge in a printed compilation of works of their own, such as collected writings or lecture notes.