Cash Waqf Linked Sharia Micro Insurance (CWLSMI) Sebagai Proteksi Dana Darurat Pelaku Usaha Mikro

Ryan Faisal

Abstract

The scientific work aims to introduce Cash Waqf Linked Sharia Micro Insurance (CWLSMI), an innovative approach to facilitate Sharia micro insurance contributions for micro-business actors using their owned products. Micro-business actors' product portfolios will be cataloged based on global community interests, and the management will be funded through productive waqf assets. Revenue generated from product sales will fund contributions to Sharia micro insurance for micro-business actors, their families, and contribute to government social security programs. CWLSMI serves as a financial planning reference for micro-business actors, fostering benefits for the halal industry. This qualitative research utilizes a narrative approach, incorporating primary data from search results and stakeholder interviews, complemented by secondary data from scientific journals and government reports. The initiation of CWLSMI is proposed as a recommendation to the government for enhancing the welfare of micro-business actors in Indonesia.

Keywords

businessmen; cash waqf linked sharia micro insurance (CWLSMI); micro enterprises; sharia micro insurance; waqf

Full Text:

PDF

References

Abraham, A., & Michael, A. (2012). Determinants of University Working-Students’ Financial Literacy at the University of Cape Coast. International Journal of Business and Management(7(9)), 126-135.

Ahmed, M. H. (2016). Micro Takaful Insurance as a Tool to Guaranteeing Financing and Protecting Micro Enterprises. Journal of Business & Financial Affairs, 05, 1-11. Retrieved from https://doi.org/10.4172/2167-0234.1000228

Anwar, S. (2007). Hukum Perjanjian Syariah. Jakarta: PT RajaGrafindo Persada.

Argarwalla, S., Gene, A., Ben, I., Souphala, C., & Evanoff, D. D. (2015). Financial Literacy and Financial Planning: Evidence from India. Journal of Housing Economics(Volume 27), Pages 4-21.

Bhushan, P., & Medury, Y. (2013). Financial literacy and its determinants. International Journal of Engineering , Business and Enterprise Applications(4(2)), 155-160.

BWI. (n.d.). Retrieved from https://www.bwi.go.id/529/2010/12/artikel/sinergi- wakaf-dengan-instrumen-asuransi-syariah/

BWI. (n.d.). Retrieved from https://www.bwi.go.id/1531/2017/02/berita/berita- wakaf/wakaf-manfaat-asuransi-ini-fatwa-dsn-mui/

BWI. (2020). Himpunan Peraturan Perundang-undangan Tentang Wakaf. Jakarta: Badan Wakaf Indonesia.

BWI. (2022). Buku Pintar Wakaf. Jakarta: Badan Wakaf Indonesia.

BWI. (2022). Laporan Indeks Wakaf Nasional. Jakarta: Pusat Kajian dan Transformasi Digital - Badan Wakaf Indonesia.

BWI. (2022). Laporan Indeks Wakaf Nasional 2021. Jakarta: Badan Wakaf Indonesia.

BWI, RI, K. K., & RI, K. A. (2021). Annual Report Cash Waqf Linked Sukuk. Jakarta: Departemen Ekonomi Keuangan Syariah Bank Indonesia.

Creswell, J. W. (2018). Penelitian Kualitatif & Desain Riset : Memilih di antara Lima Pendekatan. Yogyakarta: Pustaka Pelajar.

Djuwita, D., & Yusuf, A. A. (2018). Tingkat Literasi Keuangan yariah di Kalangan UMKM dan Dampaknya Terhadap Perkembangan Usaha (Vol. 10). Al-Amwal.

Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia No. 21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syariah. (n.d.).

Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia No: 51/DSN-MUI/III/2006 tentang Mudharabah Musytarakah pada Asuransi Syariah. (n.d.).

Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia No: 53/DSN-MUI/III/200 tentang Tabarru pada Asuransi Syariah . (n.d.).

Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia Tentang Wakaf Manfaat Asuransi dan Manfaat Investasi pada Asuransi Jiwa Syariah. (n.d.).

Fernandes, D., Lynch Jr., G., & Netemeyer, R. (2014). Financial Literacy, Financial Education, and Downstream Financial Behaviors. Management Science 60(8), 1861- 1883.

FKUI, I. (2019, Januari 23). Penderita Kanker Tak Bisa Sembuh Total, tapi Bisa Dapat Remisi. Retrieved from https://fk.ui.ac.id/: https://fk.ui.ac.id/infosehat/penderita-kanker-tak-bisa-sembuh-total-tapi-bisa-dapat-remisi/

Gunawan, M. F. (2016). Perancanagan business model canvas sebagai alternatif strategi bisnis budidaya ikan gurame (studi kasus pada ukm mitra mina desa Sridadi kecamatan Kalirejo Lampung Tengah).

Hakim, M. L., & Asiyah, S. (2020). Perkembangan Wakaf Asuransi Syariah di Indonesia Pasca Terbitnya Fatwa DSM=MUI No. 106 Tahun 2015. Islamic Review: Jurnal Riset dan Kajian Keislaman(Vol. IX).

Jaenudin, D., Firdaus, A., Afendi, F. M., & Possuma, B. T. (2019). Analysis Of Ta’awun Fund Model Best Practice From Indonesia. Ikonomika(Vol. 3), hlm. 139–166.

Jane, S., Sherman, D., Hanna, H., T. K., Angela, C. L., Palmer, L., & Xiao, J. (2009). Financial Literacy and Education Research Priorities. Journal of Financial Counseling and Planning(Volume 20).

Jason, W. (2012). Financial Literacy Education And Behaviour Unhinged:Combating Bias And Poor Product Design. Discussion Paper(No. 2012-01).

Kapoor, J. R., Dlabay, & R.J., H. (2014). Personal Finance (11th Edition ed.). Mc Graw Hill.

Kementerian Koperasi dan UKM. (2022). Kementerian Koperasi dan Usaha Kecil dan Menengah Republik Indonesia. Retrieved from http://www.depkop.go.id/data-lainnya

Kencana, U. (2017). Hukum Wakaf Indonesia, Sejarah, Landasan Hukum Dan Perbandingan Antara Hukum Barat, Adat Dan Islam. Malang: Setara Press.

KNEKS, K. N. (2018). Masterplan Ekonomi Syariah Indonesia 2019-2024. Cetakan Pertama.

Minakshi, R. (2009). 100% Financial Inclusion in Gulbarga: Access and usage, Centre for Micro Finance. Institute for Financial Management and Research. Retrieved from www.Centre-for-microfinance.com

Mohamad, F. S., & MacDonald, M. (2010). Savings Behavior and

Financial Problems Among College Students:The Role of Financial Literacy in Malaysia. Cross-Cultural Communication(Vol. 6), 103-110.

MUI, S. (2020). Himpunan Fatwa MUI. Jakarta: Erlangga.

Peraturan Pemerintah (PP) No. 7 (tujuh) Tahun 2021 . (n.d.). Kemudahan, Pelindungan dan Pemberdayaan Koperasi serta UMKM .

PP No. 7 Tahun 2021 tentang Kemudahan, Pelindungan dan Pemberdayaan Koperasi serta UMKM (PP UMKM). (n.d.).

Ramakrishnan, R. (2012). Financial Literacy and Financial Inclusion. 9th SKOCH Summit 2012.

Ronald, A. S., & John, E. G. (2010). Financial Numeracy, Net Worth, and Financial Management Skills: Client Characteristics That Differ Based on Financial Risk Tolerance. Journal of Financial Service Professionals, 57-65.

Santosa, A. A. (2021, Maret 19). Seputar Asuransi Jiwa. Retrieved from https://www.finansialku.com/: https://www.finansialku.com/penting-untuk-tahu-hal-seputar-asuransi-jiwa-anda-wajib-baca/

Sula, M. S. (2004). Asuransi Syariah (Life and General) Konsep Sistem Operasional. Jakarta: Gema Insani.

Sulaeman, & Wirawan, A. (2021). Ta'awuni-Based Micro Insurance Model Bagi UMKM: Upaya Mendukung Pengembangan Ekosistem Industri Halal Pasca COVID-19 di Indonesia. An Nisbah: Jurnal Ekonomi Syariah(Volume 08).

Syakur, M. (2018). Konstruksi Akad Asuransi Syariah Fatwa DSN-MUI Dalam Perspektif Hukum Perjanjian Syariah Kontemporer Musthafa Ahmad Az-Zarqa.

Tambunan, T. (2002). Usaha Kecil dan Menengah di Indonesia: Beberapa Isu Penting. Jakarta : Salemba.

Taylor, M. (2011). Measuring Financial Capability and Its Determinants Using Survey. Social Indicator Research, Springer Science, Issue 2(Volume 102), 297–31417.

Umam, F. (2018). Ibadah dengan Harta. Bandung: Rumah Amal Salman.

Undang-Undang No. 11 (sebelas) Tahun 2020. (n.d.). Cipta Kerja .

UU No. 11 Tahun 2020 tentang Cipta Kerja . (n.d.).

UU No. 20 Tahun 2008. (n.d.). Tentang Usaha Mikro, Kecil, dan Menengah.

Wahyuni, S. (2020). Waqf Link Fisherman Syariah Insurance sebagai Solusi Meningkatkan Kesejahteraan Hidup Nelayan Indonesia. Al-Awqaf(Vol. 13).

Wardhanie, A. P. (2017). Buku ajar model bisnis. Surabaya: PT. Revka petra media.

Yatim, B. (2011). Sejarah Peradaban Islam Dirasah Islamiyah II. Jakarta: PT Raja Grafindo Persada.

Yusuf, T. O. (2012). The Role of Islamic Micro Insurance in Economic Growth and Development: The Nigerian Experience: A Case Study of Al-Barakah Microfinance Bank, Lagos. International Journal of Business and Commerce(Vol. 1), hlm. 106-122.

Refbacks

  • There are currently no refbacks.