DAMPAK SOSIAL EKONOMI ASURANSI SYARIAH TERHADAP PERLINDUNGAN KEUANGAN KELUARGA: PERSPEKTIF MULTIDISIPLINER

Sry Lestari* -  Program Studi Doktor Islam Pasca Sarjana UIN Syahada Padangsidimpuan, Indonesia
Yuni Armayanti -  Program Studi Doktor Islam Pasca Sarjana UIN Syahada Padangsidimpuan, Indonesia

Abstract


Economic uncertainty, increasing household financial risks, and the limited availability of Sharia-compliant financial protection instruments pose significant challenges for Muslim families. Although Islamic insurance has grown rapidly, comprehensive studies examining its socio-economic impact on family financial protection remain limited. This study aims to analyze the socio-economic impact of Islamic insurance on family financial protection using a multidisciplinary approach. A qualitative descriptive method was employed through literature review and in-depth interviews, with thematic data analysis integrating economic, social, and maqashid al-shariah perspectives.

The findings reveal that Islamic insurance plays a significant role in mitigating financial risks, strengthening household economic resilience, and fostering social solidarity grounded in Islamic values. The multidisciplinary approach highlights that Islamic insurance functions not only as a financial instrument but also as a social and normative mechanism. The study implies the need to enhance Islamic insurance literacy, develop more inclusive takaful products, and integrate Islamic insurance into sustainable family financial protection policies.

Keywords


Islamic insurance, family financial protection, socio-economic impact, maqashid al-shariah, multidisciplinary approach.

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DOI: https://doi.org/10.24952/masharif.v13i2.19196

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