TINJAUAN MAQASID SYARIAH DALAM ASURANSI SYARIAH: IMPLEMENTASI DAN TANTANGAN
DOI:
https://doi.org/10.34005/elarbah.v9i1.4253Keywords:
Maqasid Syariah, Asuransi Syariah, Takaful, ESG, Keuangan IslamAbstract
Asuransi syariah merupakan instrumen keuangan Islam yang bertujuan memberikan perlindungan terhadap risiko berdasarkan prinsip tolong-menolong dan saling menjamin antar peserta. Penelitian ini bertujuan untuk meninjau sejauh mana prinsip-prinsip Maqasid Syariah diimplementasikan dalam praktik asuransi syariah serta mengidentifikasi tantangan-tantangan yang dihadapi. Dengan menggunakan pendekatan penelitian kepustakaan, studi ini menganalisis literatur dari berbagai sumber kredibel, termasuk jurnal bereputasi dan dokumen regulatif. Hasil penelitian menunjukkan bahwa asuransi syariah mengandung potensi besar dalam mewujudkan lima tujuan utama Maqasid Syariah, yaitu perlindungan terhadap agama, jiwa, akal, keturunan, dan harta. Namun, tantangan yang signifikan masih ditemukan, seperti dominasi orientasi finansial atas nilai substansial syariah, kurangnya literasi maqasid di kalangan praktisi, dan belum adanya kerangka regulatif yang mengintegrasikan maqasid dalam evaluasi kinerja. Studi ini menegaskan pentingnya pendekatan yang menyeluruh dan berkelanjutan, termasuk integrasi prinsip ESG dan peningkatan kualitas sumber daya manusia, agar asuransi syariah tidak hanya patuh secara formal, tetapi juga mampu mencapai kemaslahatan umat sesuai tujuan syariah secara menyeluruh.
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