Penerapan Asuransi di Kehidupan Masyarakat Dalam Lembaga Keuangan Bukan Bank

Gandhi Sulaiman Sitompul; Zainarti Zainarti

doi:10.61132/santri.v3i1.1192

Authors

Gandhi Sulaiman Sitompul Universitas Islam Negeri Sumatera Utara
Zainarti Zainarti Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.61132/santri.v3i1.1192

Keywords:

Insurance, Institutions, Banks

Abstract

This research explores an in-depth understanding of how society responds to insurance policy analysis in non-bank financial institutions through a phenomenological approach. The findings show that limited financial literacy is the main challenge in understanding the complexity of insurance products outside of banking. The influence of personal experience, cultural values, and risk perceptions also shape people's perceptions of the value of insurance. Additionally, variations in participation levels and decision-making patterns were also revealed, weakening the understanding of risk levels. These financial literacy challenges cause chaos and confusion, hindering public participation in insurance products at non-bank financial institutions. Efforts to improve financial literacy and increase understanding of insurance claims are crucial to stimulate optimal community participation. The application of insurance remains relevant in helping people overcome financial problems due to unexpected events, building trust, and creating economic stability in the context of non-bank financial institutions.

Downloads

Download data is not yet available.

References

Apridar. (2012). Ekonomi Internasional. Graha Ilmu.

Falihah, L., Pasca Abrini, R., & Paraya, E. P. (2020). Fungsi pengawasan oleh lembaga Otoritas Jasa Keuangan terhadap sektor perasuransian ditinjau dari hukum pengawasan. Jurnal Fundamental Justice, 1(2), September. ISSN: 2721-7671.

Fursotun, M. d. (2019). Dasar hukum dan prinsip asuransi syariah di Indonesia. Jurnal Ilmu Ekonomi Islam, 48.

Iqbal, M. (2006). Asuransi umum syari’ah dalam praktik upaya menghilangkan gharar, maisir, dan riba. Gema Insani.

Maskanah, S. (2016). Implementasi produk asuransi jiwa syari’ah terhadap kestabilan ekonomi keluarga. Jurnal Ekonomi dan Bisnis Islam, 111.

Ridho, M. (n.d.). Peran Otoritas Jasa Keuangan dalam melindungi pemegang polis asuransi akibat pailitnya perusahaan asuransi (Studi putusan Mahkamah Agung Nomor 408 K/Pdt.Sus-Pailit/2015). Jurnal Hukum Kaidah: Media Komunikasi dan Informasi Hukum dan Masyarakat, 19(2). ISSN Online: 2613-9340, ISSN Offline: 1412-1255.

Rodoni, A. A. (n.d.). Lembaga keuangan syariah. Zikrul Hakim.

Sahanggamu, P. C. (2020). Pengaturan pengawasan kegiatan usaha perasuransian oleh Otoritas Jasa Keuangan. Jurnal Ekonomi, 13-33.

Simbolon, A. (2015). Pengawasan Otoritas Jasa Keuangan terhadap kegiatan perusahaan asuransi. Jurnal Law Pro Justitia, 1(1), December.

Thariq, M., Sukirno, & Prananingtyas, P. (2020). Pelaksanaan pengawasan asuransi Jiwasraya oleh OJK Provinsi Sumatera Barat di Kota Padang. Notarius, 13(1). E-ISSN: 2686-2425, ISSN: 2086-1702.

Zainarti. (n.d.). Manajemen sumber daya manusia: Reformulasi sumber daya manusia berkarakter islami. FEBI UIN-SU Press.