The Importance of Insurance in Reducing Systematic Risk and Aiding Poverty Alleviation: A Review of Financial Protection
DOI:
https://doi.org/10.61455/sicopus.v2i01.118Keywords:
insurance, systematic risk, poverty alleviation, protection, financialAbstract
This study aims to investigate the important role of insurance in reducing systematic risk and helping poverty alleviation through a review of financial protection. This study uses a descriptive-analytical approach by analyzing various related literature covering theories and practices related to insurance, systematic risk, and poverty alleviation. Data was collected through literature studies involving scientific journals, reference books, and recent research reports. The results showed that insurance plays a crucial role in reducing systematic risk by providing a mechanism for risk transfer from affected individuals or groups to insurance institutions. Thus, insurance helps protect individuals and families from unexpected events such as natural disasters, accidents, or illnesses that can lead to poverty. In addition, insurance also plays a role in poverty alleviation by providing important financial protection for those who are vulnerable to adverse financial risks. Therefore, understanding and access to adequate insurance is essential in efforts to reduce systematic risks and improve the overall welfare of society. This research provides a theoretical and practical foundation for relevant parties, including governments, financial institutions, and the general public, to improve the understanding and application of insurance as an important instrument in reducing systematic risks and alleviating poverty through effective financial protection
References
F. A. S. Gurning and Nuri Aslami, “Strategi Pemasaran Produk Asuransi Syariah Di PT. Prudential Life Assurance Cabang Kota Medan,” MAMEN J. Manaj., vol. 1, no. 1, pp. 27–33, 2022, https://doi.org/10.55123/mamen.v1i1.10.
M. Siddiq, “Kedudukan Asuransi dalam Hukum Islam,” Islam. Bank. J. Pemikir. dan Pengemb. Perbank. Syariah, vol. 2, no. 2, pp. 44–55, 2017, https://doi.org/10.36908/isbank.v2i2.31.
A. Lestari and N. Aslami, “Strategi Pemasaran Produk Asuransi Syariah,” Mimb. Kampus J. Pendidik. dan Agama Islam, vol. 21, no. 2, pp. 80–89, 2022, https://doi.org/10.47467/mk.v21i2.882.
L. Tila, M. Mukhsinun, and U. Fursotun, “Dasar Hukum Dan Prinsip Asuransi Syariah Di Indonesia,” J. Labatila, vol. 2, no. 01, pp. 53–73, 2019, https://doi.org/10.33507/lab.v2i01.107.
H. A. Jalil, R. Febriyanti, and H. A. Luthfi, “Analisis Peran Asuransi Syariah Pada Perekonomian Indonesia,” Al-Mizan J. Ekon. Syariah, vol. 4, no. II, pp. 11–22, 2021.
A. J. Winarto, “Systematic Literature Review (SLR) Peran Asuransi Syariah dalam Membantu Perkembangan UMKM di Masa Pandemi,” Nuris J. Educ. Islam. Stud., vol. 2, no. 2, pp. 75–85, 2022, https://doi.org/10.52620/jeis.v2i2.24.
N. A. Y. A. M. Putri, “Peranan Koperasi Syariah dalam Mengatasi Kemiskinan di Kota Surabaya,” Maliyah J. Huk. Bisnis Islam, vol. 8, no. 1, pp. 22–43, 2018, https://doi.org/10.15642/maliyah.2018.8.1.22-43.
A. N. Siregar, E. Endang, F. D. Nababan, P. T. Sianturi, R. Ramli, and S. Tobing, “Peran Asuransi Syariah Dalam Menyediakan Perlindungan Finansial Yang Islami,” Innov. J. Soc. Sci. Res., vol. 3, no. 6, pp. 3384–3395, 2023.
D. Anggraini and N. Sudharyati, “Peluang Dan Tantangan Agen Asuransi Dalam Meningkatkan Nasabah Asuransi Syariah (Studi Pada Pt. Prudential Syariah Cabang Jambi),” Manaj. Keuang. Syariah, vol. 3, no. 1, pp. 1–7, 2023, https://doi.org/10.30631/makesya.v3i1.1707.
Rifaldi Ahmad Nasution and Fauzi Arif Lubis, “Prospek dan Tantangan Perkembangan Asuransi Syariah di Kota Binjai,” Akubis J. Akunt. dan Bisnis, vol. 10, no. 1, pp. 22–31, 2023, https://doi.org/10.37832/akubis.v10i1.37.
A. Rinaldi, M. F. Januri, and J. Jaenudin, “Studi Komparatif Terhadap Prinsip-Prinsip Asuransi Syariah Menurut Hukum Islam Dan Undang-Undang No. 40 Tahun 2014 Tentang Perasuransian,” Mahkamah J. Kaji. Huk. Islam, vol. 7, no. 2, p. 210, 2022, https://doi.org/10.24235/mahkamah.v7i2.10854.
T. Suripto and A. Salam, “Analisa Penerapan Prinsip Syariah dalam Asuransi,” JESI (Jurnal Ekon. Syariah Indones., vol. 7, no. 2, p. 128, 2018, https://doi.org/10.21927/jesi.2017.7(2).128-137.
A. I. Rossela and R. Muhammad, “Faktor-Faktor yang Memengaruhi Minat Konsumen Berpartisipasi dalam Asuransi Syariah dengan Kepercayaan sebagai Variabel Moderating,” Prceeding Natl. Conf. Account. Finance., vol. 6, no. 2020, pp. 413–424, 2024.
A. T. Fitrah and N. Aslami, “Peran Agen Dalam Menentukan Perencanaan Pemasaran dan Meningkatkan Minat Nasabah terhadap Produk Asuransi Syariah,” Mimb. Kampus J. Pendidik. dan Agama Islam, vol. 21, no. 1, pp. 25–33, 2022, https://doi.org/10.47467/mk.v21i1.872.
S. W. Purwanza dkk., Metodologi Penelitian Kuantitatif, Kualitatif dan Kombinasi, no. March. 2022.
M. Mulyadi, “Penelitian Kuantitatif Dan Kualitatif Serta Pemikiran Dasar Menggabungkannya [Quantitative and Qualitative Research and Basic Rationale to Combine Them],” J. Stud. Komun. dan Media, vol. 15, no. 1, pp. 128–138, 2019, https://doi.org/10.31445/jskm.2011.150106.
A. A. Mekarisce, “Teknik Pemeriksaan Keabsahan Data pada Penelitian Kualitatif di Bidang Kesehatan Masyarakat,” J. Ilm. Kesehat. Masy. Media Komun. Komunitas Kesehat. Masy., vol. 12, no. 3, pp. 145–151, 2020, https://doi.org/10.52022/jikm.v12i3.102.
A. Prayogi, “Pendekatan Kualitatif dalam Ilmu Sejarah: Sebuah Telaah Konseptual,” Hist. Madania J. Ilmu Sej., vol. 5, no. 2, pp. 240–254, 2021, https://doi.org/10.15575/hm.v5i2.15050.
K. Imanina, “Penggunaan Metode Kualitatif dengan Pendekatan Deskriptif Analitis dalam PAUD,” J. AUDI J. Ilm. Kaji. Ilmu Anak dan Media Inf. PAUD, vol. 1, no. 1, pp. 45–48, 2020, https://doi.org/10.31932/jpaud.v1i2.387.
R. Surayya, “Pendekatan Kualitatif Dalam Penelitian Kesehatan,” AVERROUS J. Kedokt. dan Kesehat. Malikussaleh, vol. 1, no. 2, p. 75, 2018, https://doi.org/10.29103/averrous.v1i2.415.
M. Subhi Apriantoro and J. Herviana, “Sharia Financial Literacy: Research Trends and Directions for Future Inquiry,” JISEL J. Islam. Econ. Laws VI, vol. 6, no. 2, 2023.
M. A. Mukhlifah, Hubungan Antara Aktivitas Perbankan Syariah, Aktivitas Asuransi Syariah dan Pertumbuhan Ekonomi Di Indonesia. 2020.
H. Kesuma, “Analisis Hubungan Kausalitas Sektor Keuangan Dan Pertumbuhan Ekonomi Di Indonesia,” Quant. Econ. J., vol. 2, no. 3, 2020, https://doi.org/10.24114/qej.v2i3.17432.
N. R. Febriandika and C. Rahayu, “The Impact of Climate Change on Economic Conditions: Evidence in Indonesia,” Jejak, vol. 14, no. 2, pp. 261–271, 2021, https://doi.org/10.15294/jejak.v14i2.29920.
F. Ramadhan, “Peran Fintech Dalam Meningkatkan Inklusi Keuangan Syariah Pada UMKM Di Kota Makassar,” Madinah J. Stud. Islam, vol. 8, no. 2, pp. 227–238, 2021, https://doi.org/10.58518/madinah.v8i2.1452.
M. Apriantoro, A. Suryaningsih, and M. Muthoifin, “Bibliometric Analysis of Research Development of Economic Dispute Settlement,” EUDL Eur. Union Digit. Libr., 2023, https://doi.org/10.4108/eai.19-10-2022.2329068.
A. N. Rahmi et al., “Pertumbuhan ekonomi Islam di Indonesia: Studi kasus perkembangan keuangan komersial syariáh dan keuangan sosial syariáh,” IQTISHODUNA J. Ekon. Islam, vol. 11, no. 1, 2021.
Z. I. B. BILLAH, “Peran Dan Kendala Fintech Syariah Pada UMKM,” Ar-Ribhu J. Manaj. dan Keuang. Syariah, vol. 2, no. 2, pp. 256–266, 2021, https://doi.org/10.55210/arribhu.v2i2.671.
N. D. Fauziah, Ubaid Aisyul Hana, Muawanah, and Elia Mauliana, “Analisis Dampak Zakat terhadap Perekonomian untuk Kemaslahatan Masyarakat Miskin,” SAUJANA J. Perbank. Syariah dan Ekon. Syariah, vol. 3, no. 2, pp. 93–102, 2021, https://doi.org/10.59636/saujana.v3i02.37.
J. Jaharuddin, “Analisis Pengentasan Kemiskinan di Kota Cilegon Perspektif Model Pembangunan As-Syatibi dan Ibnu Khaldun,” J. Ilm. Ekon. Islam, vol. 8, no. 1, p. 384, 2022, https://doi.org/10.29040/jiei.v8i1.4096.
V. Ghifariyanti, S. A. Natalina, and B. Mutafarida, “The Analysis of The Strategy of Customer Service in The Face of Customer Complaints in The Pandemic Covid-19,” Fenomena, vol. 21, no. 1, pp. 67–80, 2022, https://doi.org/10.35719/fenomena.v21i1.72.
F. ANDIANSYAH, S. M. HANAFI, S. HARYONO, and T. WAU, “Pengaruh Instrumen Keuangan Syariah Terhadap Pertumbuhan Ekonomi Indonesia,” Al-Masraf J. Lemb. Keuang. dan Perbank., vol. 7, no. 1, p. 69, 2022, https://doi.org/10.15548/al-masraf.v7i1.288.
A. Alam, R. T. Ratnasari, F. A. Qolbi, and F. H. N. Athief, “Efficiency studies of the sharia insurance industry: A systematic literature review,” Insur. Mark. Co., vol. 13, no. 1, pp. 90–101, 2022, https://doi.org/10.21511/ins.13(1).2022.08.
Badan Nasional Penanggulangan Bencana, “Rencana Strategis Badan Nasional Penanggulangan Bencana Tahun 2020-2024,” Bnpb, 2020.
F. H. N. Athief and A. Ma’ruf, “Tracing the asymmetry of religiosity-based loyalty of Islamic bank depositors,” Banks Bank Syst., vol. 18, no. 1, pp. 1–13, 2023, https://doi.org/10.21511/bbs.18(1).2023.01.
A. El Ashfahany, W. G. Savitri, and S. P. Anggraeni, “Strategy Of Professional Zakat Fundraising In Zakat Management Institutions,” IQTISHADUNA J. Ilm. Ekon. Kita, vol. 12, no. 1, pp. 35–47, 2023, https://doi.org/10.46367/iqtishaduna.v12i1.1042.
V. O. Peso, G. Wiyono, and P. P. Sari, “Pengaruh Likuiditas, Profitabilitas, Solvabilitas terhadap Returun Saham Pada Masa Pandemi Covid – 19: Studi Bank Swasta Nasional Periode 2018 – 2020 Yang Tercatat di Bursa Efek Indonesia,” Transform. Manag. J. Islam. Educ. Manag., vol. 3, no. 1, 2023, https://doi.org/10.47467/manageria.v3i1.2372.
D. F. Wulandari, E. Suwarno, and Y. Nuryani, “Perbandingan Analisis Penerapan Prinsip Bank Syariah Menurut Undang-Undang No.21 Tahun 2008 Dengan Analisis Bank Konvensional Undang-Undang No.10 Tahun 1998,” J. Arastirma, vol. 1, no. 1, 2021, https://doi.org/10.32493/arastirma.v1i1.10065.
D. A. Sunaryo and R. A. Kasri, “Hubungan Industri Keuangan Syariah dan Pertumbuhan Ekonomi Indonesia,” J. Pendidik. Tambusai, vol. 6, no. 2, pp. 15665–15682, 2022, [Online]. Available: https://www.jptam.org/index.php/jptam/article/view/4867/4140
A. Basir and A. S. R. Wulandari, “Penerapan Prinsip Bagi Hasil Pada Pembiayaan di Bank Syariah Menurut Undang-Undang Perbankan Syariah,” Khatulistiwa Law Rev., vol. 1, no. 1, 2020, https://doi.org/10.24260/klr.v1i1.31.
