Jurnal Online Universitas Muhammadiyah Surabaya
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Peran dan Pengaruh Asuransi Syariah terhadap Kesejahteraan Masyarakat
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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 literac
Analisis Penanganan Pembiayaan Bermasalah pada Bank Syariah Indonesia KC Lubuk Pakam
Get PDFPenelitian ini bertujuan untuk meningkatkan pemahaman dan analisis tentang bagaimana BSI KC Lubuk Pakam menangani pembiayaan bermasalah, Penelitian ini akan menganalisis strategi yang digunakan oleh bank, seperti restrukturisasi pembiayaan, penjadwalan ulang pembayaran, dan pendekatan komunikasi yang lebih intensif dengan nasabah. Studi ini menggunakan metodologi kualitatif deskriptif. Tujuannya adalah untuk menggambarkan dan menganalisis masalah pembiayaan di Bank Syariah Indonesia KC Lubuk Pakam. Hasil penelitian penulis menunjukkan bahwa masalah pembiayaan di bagian pembiayaan disebabkan oleh unsur-unsur internal dan eksternal. Kesalahan internal bank atau nasabah, seperti penilaian nasabah yang tidak mempertimbangkan lima faktor 5C dengan baik, adalah salah satu contoh faktor internal, kekurangan karyawan dalam menganalisis calon nasabah dengan teliti, atau ketidakmampuan nasabah dalam memenuhi kewajiban pembayaran karena berbagai alasan seperti kecelakaan, kematian, atau masalah keuangan. Sementara itu, faktor eksternal meliputi bencana alam seperti banjir, kebakaran, dan gempa bumi. Solusi untuk masalah ini adalah dengan meningkatkan analisis pembaiyaan kepada konsumen agar data dan fakta tetap konsisten
Efektivitas Penggunaan Aplikasi Bima terhadap Pengelolaan Stok Opname B21 Digital Printing
Get PDFThe purpose of this study was to determine the effectiveness of using the bima application on stock management of opname b21 digital printing. Digital-based systems have changed the way of working in the printing world by speeding up processes and increasing efficiency. This research uses a qualitative approach that aims to understand the phenomena experienced by research subjects, such as behavior, perceptions, motivations, and actions. This application is effectively integrated in the company's operational activities. The "Material Stock" feature enables fast and accurate stock counts, reducing reliance on error-prone manual recording. The stock-taking process becomes more efficient, increasing team productivity. In addition, the BIMA app supports various other activities, such as raw material procurement and sales monitoring. Managers can access sales reports directly, allowing them to make faster decisions regarding procurement. Data integration between sales and stock allows for better planning of inventory requirements, reducing the risk of stock-outs or overstocks. Overall, the BIMA app provides significant benefits in efficiency and stock management, streamlining business processes, and improving B21 Digital Printing's performance and competitiveness in the market. The features help customer service and managers make informed decisions and be responsive to changes in demand, which in turn contributes to customer satisfaction
Peran PT Pegadaian Syariah dalam Mengembangkan UMKM di Kota Bengkulu Melalui Produk Arrum BPKB
Get PDFUMKM memiliki peran penting dalam perekonomian Indonesia, terutama dalam menciptakan lapangan kerja dan mengurangi tingkat kemiskinan. Namun, banyak pelaku UMKM menghadapi kendala utama, yaitu keterbatasan akses terhadap modal usaha. Sulitnya mendapatkan pinjaman dari lembaga keuangan konvensional sering kali disebabkan oleh kurangnya agunan yang dapat diterima. Salah satu solusi yang ditawarkan adalah pembiayaan berbasis syariah, seperti Arrum BPKB dari PT Pegadaian Syariah. Produk ini memungkinkan UMKM memperoleh modal dengan menjaminkan BPKB kendaraan tanpa kehilangan kendaraan tersebut, sehingga tetap dapat digunakan untuk operasional usaha. Pembiayaan ini berlandaskan akad rahn atau gadai syariah, sesuai dengan fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Meskipun telah membantu banyak UMKM berkembang, beberapa nasabah masih mengalami kendala seperti kredit macet, sehingga penting untuk mengkaji sejauh mana efektivitas produk ini dalam mendukung perkembangan UMKM. Penelitian ini bertujuan untuk menganalisis mekanisme pembiayaan Arrum BPKB, peran PT Pegadaian Syariah dalam mendukung UMKM, serta dampaknya terhadap perkembangan usaha nasabah di Kota Bengkulu. Dengan menggunakan metode kualitatif deskriptif, data dikumpulkan melalui wawancara dengan pegawai dan nasabah Pegadaian Syariah, serta analisis dari berbagai sumber literatur. Hasil penelitian ini diharapkan dapat memberikan wawasan bagi PT Pegadaian Syariah dalam meningkatkan efektivitas pembiayaan, membantu pelaku UMKM dalam memahami manfaat produk ini, serta menjadi referensi bagi peneliti selanjutnya dalam mengembangkan kajian terkait pembiayaan syariah untuk UMKM
Manajemen Strategi untuk Meningkatkan Tingkat Outcome di SMK Negeri 14 Garut
Get PDFThe partnership between vocational high schools and the industrial sector serves as a crucial strategy in enhancing graduates' competitiveness. However, SMK Negeri 14 Garut faces challenges such as a skills gap between graduates and industry needs, limited collaboration with local industries, and a lack of parental support for labor mobility. This study aims to analyze the implementation of strategic management in the partnership between SMK Negeri 14 Garut and the industrial sector to improve graduates’ employability. This research employs a qualitative approach, utilizing in- depth interviews, observations, and document analysis. The study’s informants include the school principal, vice principal for industrial relations, vocational program teachers, industry representatives, internship students, and administrative staff. The data were analyzed descriptively to identify internal and external factors affecting the effectiveness of school-industry partnerships. The findings indicate that SMK Negeri 14 Garut has implemented partnership strategies through curriculum alignment with industry standards, teacher training, and the enhancement of internship programs. Internal supporting factors include an industry-based curriculum and the presence of a Special Job Market Bureau (BKK), while key challenges involve limited practical facilities and insufficient collaboration with local industries. External factors influencing the partnership include government policies and advancements in educational technology. This study contributes by proposing adaptive strategies, such as expanding partnerships with local industries and developing entrepreneurship programs, to enhance partnership effectiveness and increase graduates' employment opportunities
Peran Asimetris Spillover Indeks Syariah Cina terhadap Indeks Syariah Indonesia Selama Pilpres 2024
Get PDFThe Islamic financial market is becoming increasingly integrated globally, including the China Sharia Index and the Indonesia Sharia Index. However, in certain situations such as the 2024 presidential election, market dynamics may experience asymmetric spillover effects. High political uncertainty during the election has the potential to increase risks and volatility, altering the transmission pattern of information from the Chinese market to Indonesia disproportionately. This study aims to examine the influence of the China Sharia Index on the Indonesia Sharia Index during the 2024 presidential election and to analyze the role of asymmetric spillover. The research method employed is a quantitative approach using daily secondary data. Analysis was conducted through simple linear regression after passing classical assumption tests, which indicated that the data is normally distributed, with no heteroscedasticity and no autocorrelation. The results show that the China Sharia Index has a positive and significant influence on the Indonesia Sharia Index with an R Square of 81.4%. Spillover is stronger during a market downturn, indicating an asymmetric effect. Political uncertainty during the 2024 election strengthens investor responses to negative risks, making political and economic stability crucial for the resilience of Indonesia's Islamic capital market
The Role of Labor Law on Business Sustainability and Workers' Welfare in Indonesia
Get PDFThis research discusses the Role of Labor Law on Business Sustainability and Workers' Welfare in Indonesia. In the context of economic growth and technological development, labor law serves as a tool to maintain a balance between business sustainability and the protection of workers' rights. This research uses a literature study method with a content analysis approach to examine various labor regulations such as Law No. 13 of 2003, the Job Creation Law, and the Workers' Welfare Law. Year 2003, the Job Creation Law, and the BPJS Law. The results show that compliance with labor law has a positive impact on operational stability, employee loyalty, and company competitiveness. However, implementation challenges such as lack of supervision, unlawful employment contracts, and low legal literacy of workers are still an obstacle. Therefore, synergy between the government, companies, and workers is needed to create a healthy and productive work environment
Analisis Faktor Demografi terhadap Tingkat Literasi Keuangan Syariah Santri UNIA Prenduan
Get PDFBerbagai studi menunjukkan bahwa tingkat literasi keuangan syariah di kalangan santri masih belum optimal. Salah satu penyebab utamanya adalah keterbatasan materi pendidikan yang berfokus pada literasi keuangan syariah serta kurangnya paparan terhadap produk-produk keuangan syariah dalam kehidupan sehari-hari. Penelitian ini bertujuan untuk mengetahui pengaruh faktor demografi terhadap tingkat literasi keuangan syariah santri UNIA Prenduan, baik secara simultan maupun parsial, serta untuk mengukur seberapa besar pengaruh faktor demografi tersebut terhadap tingkat literasi keuangan syariah santri di lembaga keuangan syariah. Penelitian ini menggunakan pendekatan kuantitatif yang bertujuan untuk menjelaskan fenomena atau memahami pola melalui cara-cara yang terukur. Data yang dikumpulkan dianalisis secara statistik untuk memberikan gambaran yang jelas dan objektif mengenai fenomena yang diteliti. Hasil penelitian menunjukkan bahwa dari dua faktor demografi yang diteliti, yaitu usia dan pendidikan, hanya variabel pendidikan yang berpengaruh secara signifikan terhadap tingkat literasi keuangan syariah santri UNIA Prenduan. Hal ini dibuktikan melalui hasil uji t (parsial) dengan nilai t-hitung sebesar -3,920 > t-tabel 1,998 dan nilai signifikansi sebesar 0,000 < 0,05, sehingga H₁ diterima. Sebaliknya, variabel usia tidak menunjukkan pengaruh yang signifikan, dengan nilai t-hitung sebesar -0,155 < t-tabel 1,998 dan nilai signifikansi sebesar 0,877 > 0,05, sehingga H₁ ditolak. Dengan demikian, dapat disimpulkan bahwa tingkat pendidikan memengaruhi literasi keuangan syariah santri, sedangkan usia tidak memiliki pengaruh yang signifikan dalam konteks penelitian in
Strategi Digital Marketing dalam Meningkatkan Engagement Konsumen pada Tiktok Viva Cosmetics
Get PDFThe background of optimizing digital Marketing by local cosmetic brands like Viva Cosmetics on dynamic platforms such as TikTok prompted this research. The research objective is to identify and analyze Planning aspects within the digital Marketing Strategy implemented by Viva Cosmetics on TikTok to enhance consumer engagement and brand awareness. The implementation method uses a descriptive analysis approach to primary data collected through observation of content and interaction metrics on Viva Cosmetics' official TikTok account. Activity results show that meticulous content Planning, trend utilization, upload quality, and the application of content Marketing tactics, Search Engine Marketing-like approaches, and Influencer Marketing generate high engagement, as seen in popular content. The analysis technique involves interpreting engagement metrics and content strategies. It is concluded that Viva's TikTok Strategy effectively increases engagement and brand awareness, especially among young audiences. The research implication is the importance of strategic and adaptive Planning on TikTok for cosmetic brands to build audience connection and strengthen brand position
LEGAL ANALYSIS OF THE DECISION OF THE BANTUL RELIGIOUS COURT IN THE CASE OF DEFAULT AND COMPENSATION IN THE SHARIA ECONOMIC DISPUTE
Get PDFThis research examines the enforcement of legal principles in Sharia economic disputes, particularly focusing on the context of default and compensation in the jurisdiction of the Bantul Religious Court. Given the increasing complexity and volume of Sharia economic disputes, an understanding of how these cases are decided is crucial. There is a gap in the literature regarding the specific application of Sharia principles and law in the Religious Courts in Indonesia, particularly regarding the determination of damages in default cases. This research aims to analyze how the Bantul Religious Court applies relevant legal principles in default cases relating to Sharia economics and to identify the main juridical considerations that influence decisions on the amount and type of damages awarded. Using qualitative legal research methods, this study analyzed court decisions and relevant legal literature to identify patterns and justifications in the court's reasoning. The main findings revealed that the Bantul Religious Court sought to integrate the principles of Islamic law with Indonesian positive law, emphasizing fairness, compliance with sharia principles, and consumer protection. Key considerations include alignment with Sharia, actual losses incurred, the good faith of the debtors, their socio-economic circumstances, and the principles of equity.This research examines the enforcement of legal principles in Sharia economic disputes, particularly focusing on the context of default and compensation in the jurisdiction of the Bantul Religious Court. Given the increasing complexity and volume of Sharia economic disputes, an understanding of how these cases are decided is crucial. There is a gap in the literature regarding the specific application of Sharia principles and law in the Religious Courts in Indonesia, particularly regarding the determination of damages in default cases. This research aims to analyze how the Bantul Religious Court applies relevant legal principles in default cases relating to Sharia economics and to identify the main juridical considerations that influence decisions on the amount and type of damages awarded. Using qualitative legal research methods, this study analyzed court decisions and relevant legal literature to identify patterns and justifications in the court's reasoning. The main findings revealed that the Bantul Religious Court sought to integrate the principles of Islamic law with Indonesian positive law, emphasizing fairness, compliance with sharia principles, and consumer protection. Key considerations include alignment with Sharia, actual losses incurred, the good faith of the debtors, their socio-economic circumstances, and the principles of equity