Araştırma Makalesi
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Development of Islamic Insurance in Southeast Asia (Malaysia, Brunei Darussalam, and Indonesia): The Progress Perspective

Yıl 2022, Cilt: 30 Sayı: 52, 243 - 255, 28.04.2022
https://doi.org/10.17233/sosyoekonomi.2022.02.13

Öz

This study compares the number of companies, assets, contributions, and Islamic insurance claims in Malaysia, Brunei Darussalam, and Indonesia. The method used is descriptive quantitative, with research questions: How is the number of companies, assets, contributions, and claims Islamic Insurance in Malaysia, Brunei Darussalam, and Indonesia? This study's findings show that Indonesia has the highest growth in Islamic insurance companies and assets. Malaysia has the highest average growth contribution because of increased product innovation and digital technology use. Brunei Darussalam had the lowest claim growth rate because the claims process was considered too bureaucratic and complicated.

Destekleyen Kurum

Universitas Padjadjaran and Universitas Mercu Buana

Kaynakça

  • Akram, A. et al. (2021), “Urgensitas, Keadilan dan Maqasid Syariah pada Merger Bank Syariah”, Human Falah (Kurnal Ekonomi Dan Bisnis Islam, 8(2), 1-18.
  • Aldila, N. (2019, November), PROYEKSI 2020: Industri Asuransi Syariah Diperkirakan Tumbuh Melambat - Finansial Bisnis.com.
  • Autoriti Monetari Brunei Darussalam (2021, March), Monthly Statistical Bulletin.
  • Aziz, L.H. et al. (2021), Akuntansi Syariah (Sebuah Tinjauan Teori Dan Praktis) (First), Bandung: Penerbit Widina Bhakti Persada Bandung, <www.penerbitwidina.com>, 25.08.2021.
  • Bank Negara Malaysia (2019, June), BNM/RH/PD 033-7 Takaful Operational Framework.
  • Bank Negara Malaysia (2021), Monthly Highlights and Statistics in January.
  • Bashir, M.S. & N.H.H. Mail (2011), “Consumer perceptions of Islamic insurance companies in Brunei Darussalam”, International Journal of Emerging Science, 1(3), 285-306.
  • Bashir, M.S. et al. (2011), “Consumer Perceptions on Takaful Business in Brunei Darussalam”, International Conference on Management, 1144-1163.
  • BKPP Demak (2020, July), Tingkatkan Pengembangan Industri Asuransi Syariah di Tengah Pandemi - BKPP Kabupaten Demak.
  • Diantanti, N.P. et al. (2021), Pengantar Bisnis Islam Tinjauan Teori dan Praktis (First), Widina Bhakti Persada Bandung, <www.penerbitwidina.com>, 25.08.2021.
  • Dinar Standard (2019), State of the Global Islamic Economy Report 2019/20, <cdn.salaamgateway.com>, 25.08.2021.
  • Fauzi, P.N.F.M. et al. (2016), “Takaful : a review on performance , issues and challenges in Malaysia”, Journal of Scientific Research and Development, 3(4), 71-76.
  • Fitch Ratings (2021, March), Indonesian Government, Economic Recovery to Support Takaful Sector Growth.
  • Karyanto, B. et al. (2021), Pengantar Ekonomi Syariah (First), Widina Bhakti Persada Bandung, <www.penerbitwidina.com>, 25.08.2021.
  • Malaysia, P. (2013), Law of Malaysia Islamic Financial Services Act 2013, 553, <bnm.gov.my>, 25.08.2021.
  • McNamara, P. (2021, March), Next stop: Digital takaful - Insurance - General.
  • Miftakhul Jannah, D., & L. Nugroho (2019), “Strategi Meningkatkan Eksistensi Asuransi Syariah di Indonesia”, Jurnal Maneksi, 8(1), 169-176.
  • Milliman (2019, January), Indonesia: Companies to assess the impact of spinning off their Syariah business units.
  • Nawasiah, N. & F.T. Alkaf (2020), “Pengaruh Kebijakan Spin-Off dan Pertumbuhan Ekonomi terhadap Kesehatan Bank Umum Syariah”, Jurnal Riset Manajemen Dan Bisnis, 5(1), 45-56.
  • Nugraheni, P. & R. Muhammad (2019), “Innovation in the takaful industry: a strategy to expand the takaful market in Indonesia”, Journal of Islamic Marketing, 11(6), https://doi.org/10.1108/JIMA-08-2018-0143
  • OJK (2016), Peraturan Otoritas Jasa Keuangan No.67 /POJK.05/2016 Tentang Perizinan Usaha dan Kelembagaan Perusahaan Asuransi, Perusahaan Asuransi Syariah, Perusahaan Reasuransi, dan Perusahaan Reasuransi Syariah.
  • OJK (2019), Statistik Perasuransian Indonesia 2019, <ojk.go.id>, 25.08.2021.
  • Olano, G. (2018, July), “Indonesia has low insurance penetration but high profitability”, Report, Insurance Business.
  • Olano, G. (2019, January), Government drive to boost takaful in Malaysia.
  • Oxford Business Group (2016), Low insurance penetration in Brunei Darussalam offers room for growth as takaful expands, Oxford Business Group, Brunei Darussalam 2016.
  • Sari, W.P. et al. (2020), “The Impact of Premium Income on Asset Growth: A Case of Indonesia Sharia Insurance”, Accounting and Business Journal, 2(1), 53-60.
  • Sharifuddin, S.S. et al. (2016), “The Concept of Takaful (Islamic Insurance) and Its Functions in the Establishment of Syarikat Takaful Malaysia; the First Takaful Operator in Malaysia”, International Journal of Humanities and Social Science Invention, 5(12), 43-48.
  • Siddiqui, S.A. et al. (2008), “Resolving controversial issues and setting goals for Islamic insurance: An evaluation of takaful companies of Brunei”, Journal of Islamic Economics, Banking and Finance, 3(2), 129-158.
  • Siregar, T.H. (2017), Indonesian Life Insurance Industry: Untapped Potential in the Sharia-based Life Insurance Market.
  • Sukmadilaga, C. et al. (2021), “Priority Factor Analysis on Cash Waqf Linked Sukuk (CWLS) Utilization in Indonesian Shariah Capital Market”, Academy of Accounting and Financial Studies Journal, 25(5), 1-14.
  • Utami, A.D. et al. (2021), “Analisa Ketahanan dan Stabilitas Bank Syariah yang Melakukan Merger”, Jurnal Manajemen Dan Keuangan (JMK), 10(2), 181-207.
  • Vasu, P. (2020, February), Digital platform to drive takaful demand.
  • Wan Daod, W.N. et al. (2018), “A Comparative Analysis on Takaful Acts between Malaysia and Indonesia”, Advances in Social Science,Education And Humanities Research, 292, 739-743.
  • Warsani Purnama Sari (2020), “Asset Growth on Sharia Insurance”, Britain International of Humanities and Social Sciences (BIoHS) Journal, 2(1), 172-178.
  • World Population Review (2021), Muslim Population by Country 2021.

Güneydoğu Asya’da İslâmi Sigortacılığın Gelişimi (Malezya, Brunei Sultanlığı ve Endonezya): İlerleme Perspektifi

Yıl 2022, Cilt: 30 Sayı: 52, 243 - 255, 28.04.2022
https://doi.org/10.17233/sosyoekonomi.2022.02.13

Öz

Bu çalışma Malezya, Brunei Sultanlığı ve Endonezya'daki şirketlerin, varlıkların, katkı paylarının ve İslâmi sigorta taleplerinin sayısını karşılaştırmaktadır. Kullanılan yöntem, araştırma sorularıyla birlikte tanımlayıcı nicel bir yöntemdir: Malezya, Brunei Sultanlığı ve Endonezya'daki İslâmi Sigorta şirketlerinin, varlıklarının, katkılarının ve alacaklarının hacmi nedir? Bu çalışmanın bulguları, Endonezya'nın İslâmi sigorta şirketleri ve varlıklarında en yüksek büyümeye sahip olduğunu göstermektedir. Malezya, artan ürün yeniliği ve dijital teknoloji kullanımı nedeniyle en yüksek ortalama büyüme katkısına sahiptir. Brunei Sultanlığı, talep sürecinin çok bürokratik ve karmaşık olduğu düşünüldüğünden, en düşük talep büyüme oranına sahiptir.

Kaynakça

  • Akram, A. et al. (2021), “Urgensitas, Keadilan dan Maqasid Syariah pada Merger Bank Syariah”, Human Falah (Kurnal Ekonomi Dan Bisnis Islam, 8(2), 1-18.
  • Aldila, N. (2019, November), PROYEKSI 2020: Industri Asuransi Syariah Diperkirakan Tumbuh Melambat - Finansial Bisnis.com.
  • Autoriti Monetari Brunei Darussalam (2021, March), Monthly Statistical Bulletin.
  • Aziz, L.H. et al. (2021), Akuntansi Syariah (Sebuah Tinjauan Teori Dan Praktis) (First), Bandung: Penerbit Widina Bhakti Persada Bandung, <www.penerbitwidina.com>, 25.08.2021.
  • Bank Negara Malaysia (2019, June), BNM/RH/PD 033-7 Takaful Operational Framework.
  • Bank Negara Malaysia (2021), Monthly Highlights and Statistics in January.
  • Bashir, M.S. & N.H.H. Mail (2011), “Consumer perceptions of Islamic insurance companies in Brunei Darussalam”, International Journal of Emerging Science, 1(3), 285-306.
  • Bashir, M.S. et al. (2011), “Consumer Perceptions on Takaful Business in Brunei Darussalam”, International Conference on Management, 1144-1163.
  • BKPP Demak (2020, July), Tingkatkan Pengembangan Industri Asuransi Syariah di Tengah Pandemi - BKPP Kabupaten Demak.
  • Diantanti, N.P. et al. (2021), Pengantar Bisnis Islam Tinjauan Teori dan Praktis (First), Widina Bhakti Persada Bandung, <www.penerbitwidina.com>, 25.08.2021.
  • Dinar Standard (2019), State of the Global Islamic Economy Report 2019/20, <cdn.salaamgateway.com>, 25.08.2021.
  • Fauzi, P.N.F.M. et al. (2016), “Takaful : a review on performance , issues and challenges in Malaysia”, Journal of Scientific Research and Development, 3(4), 71-76.
  • Fitch Ratings (2021, March), Indonesian Government, Economic Recovery to Support Takaful Sector Growth.
  • Karyanto, B. et al. (2021), Pengantar Ekonomi Syariah (First), Widina Bhakti Persada Bandung, <www.penerbitwidina.com>, 25.08.2021.
  • Malaysia, P. (2013), Law of Malaysia Islamic Financial Services Act 2013, 553, <bnm.gov.my>, 25.08.2021.
  • McNamara, P. (2021, March), Next stop: Digital takaful - Insurance - General.
  • Miftakhul Jannah, D., & L. Nugroho (2019), “Strategi Meningkatkan Eksistensi Asuransi Syariah di Indonesia”, Jurnal Maneksi, 8(1), 169-176.
  • Milliman (2019, January), Indonesia: Companies to assess the impact of spinning off their Syariah business units.
  • Nawasiah, N. & F.T. Alkaf (2020), “Pengaruh Kebijakan Spin-Off dan Pertumbuhan Ekonomi terhadap Kesehatan Bank Umum Syariah”, Jurnal Riset Manajemen Dan Bisnis, 5(1), 45-56.
  • Nugraheni, P. & R. Muhammad (2019), “Innovation in the takaful industry: a strategy to expand the takaful market in Indonesia”, Journal of Islamic Marketing, 11(6), https://doi.org/10.1108/JIMA-08-2018-0143
  • OJK (2016), Peraturan Otoritas Jasa Keuangan No.67 /POJK.05/2016 Tentang Perizinan Usaha dan Kelembagaan Perusahaan Asuransi, Perusahaan Asuransi Syariah, Perusahaan Reasuransi, dan Perusahaan Reasuransi Syariah.
  • OJK (2019), Statistik Perasuransian Indonesia 2019, <ojk.go.id>, 25.08.2021.
  • Olano, G. (2018, July), “Indonesia has low insurance penetration but high profitability”, Report, Insurance Business.
  • Olano, G. (2019, January), Government drive to boost takaful in Malaysia.
  • Oxford Business Group (2016), Low insurance penetration in Brunei Darussalam offers room for growth as takaful expands, Oxford Business Group, Brunei Darussalam 2016.
  • Sari, W.P. et al. (2020), “The Impact of Premium Income on Asset Growth: A Case of Indonesia Sharia Insurance”, Accounting and Business Journal, 2(1), 53-60.
  • Sharifuddin, S.S. et al. (2016), “The Concept of Takaful (Islamic Insurance) and Its Functions in the Establishment of Syarikat Takaful Malaysia; the First Takaful Operator in Malaysia”, International Journal of Humanities and Social Science Invention, 5(12), 43-48.
  • Siddiqui, S.A. et al. (2008), “Resolving controversial issues and setting goals for Islamic insurance: An evaluation of takaful companies of Brunei”, Journal of Islamic Economics, Banking and Finance, 3(2), 129-158.
  • Siregar, T.H. (2017), Indonesian Life Insurance Industry: Untapped Potential in the Sharia-based Life Insurance Market.
  • Sukmadilaga, C. et al. (2021), “Priority Factor Analysis on Cash Waqf Linked Sukuk (CWLS) Utilization in Indonesian Shariah Capital Market”, Academy of Accounting and Financial Studies Journal, 25(5), 1-14.
  • Utami, A.D. et al. (2021), “Analisa Ketahanan dan Stabilitas Bank Syariah yang Melakukan Merger”, Jurnal Manajemen Dan Keuangan (JMK), 10(2), 181-207.
  • Vasu, P. (2020, February), Digital platform to drive takaful demand.
  • Wan Daod, W.N. et al. (2018), “A Comparative Analysis on Takaful Acts between Malaysia and Indonesia”, Advances in Social Science,Education And Humanities Research, 292, 739-743.
  • Warsani Purnama Sari (2020), “Asset Growth on Sharia Insurance”, Britain International of Humanities and Social Sciences (BIoHS) Journal, 2(1), 172-178.
  • World Population Review (2021), Muslim Population by Country 2021.
Toplam 35 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Konular Ekonomi
Bölüm Makaleler
Yazarlar

Mutmainah Mutmaınah Bu kişi benim 0000-0002-4088-2082

Citra Sukmadılaga Bu kişi benim 0000-0003-3172-3407

Lucky Nugroho 0000-0002-9613-1667

Yayımlanma Tarihi 28 Nisan 2022
Gönderilme Tarihi 19 Eylül 2021
Yayımlandığı Sayı Yıl 2022 Cilt: 30 Sayı: 52

Kaynak Göster

APA Mutmaınah, M., Sukmadılaga, C., & Nugroho, L. (2022). Development of Islamic Insurance in Southeast Asia (Malaysia, Brunei Darussalam, and Indonesia): The Progress Perspective. Sosyoekonomi, 30(52), 243-255. https://doi.org/10.17233/sosyoekonomi.2022.02.13
AMA Mutmaınah M, Sukmadılaga C, Nugroho L. Development of Islamic Insurance in Southeast Asia (Malaysia, Brunei Darussalam, and Indonesia): The Progress Perspective. Sosyoekonomi. Nisan 2022;30(52):243-255. doi:10.17233/sosyoekonomi.2022.02.13
Chicago Mutmaınah, Mutmainah, Citra Sukmadılaga, ve Lucky Nugroho. “Development of Islamic Insurance in Southeast Asia (Malaysia, Brunei Darussalam, and Indonesia): The Progress Perspective”. Sosyoekonomi 30, sy. 52 (Nisan 2022): 243-55. https://doi.org/10.17233/sosyoekonomi.2022.02.13.
EndNote Mutmaınah M, Sukmadılaga C, Nugroho L (01 Nisan 2022) Development of Islamic Insurance in Southeast Asia (Malaysia, Brunei Darussalam, and Indonesia): The Progress Perspective. Sosyoekonomi 30 52 243–255.
IEEE M. Mutmaınah, C. Sukmadılaga, ve L. Nugroho, “Development of Islamic Insurance in Southeast Asia (Malaysia, Brunei Darussalam, and Indonesia): The Progress Perspective”, Sosyoekonomi, c. 30, sy. 52, ss. 243–255, 2022, doi: 10.17233/sosyoekonomi.2022.02.13.
ISNAD Mutmaınah, Mutmainah vd. “Development of Islamic Insurance in Southeast Asia (Malaysia, Brunei Darussalam, and Indonesia): The Progress Perspective”. Sosyoekonomi 30/52 (Nisan 2022), 243-255. https://doi.org/10.17233/sosyoekonomi.2022.02.13.
JAMA Mutmaınah M, Sukmadılaga C, Nugroho L. Development of Islamic Insurance in Southeast Asia (Malaysia, Brunei Darussalam, and Indonesia): The Progress Perspective. Sosyoekonomi. 2022;30:243–255.
MLA Mutmaınah, Mutmainah vd. “Development of Islamic Insurance in Southeast Asia (Malaysia, Brunei Darussalam, and Indonesia): The Progress Perspective”. Sosyoekonomi, c. 30, sy. 52, 2022, ss. 243-55, doi:10.17233/sosyoekonomi.2022.02.13.
Vancouver Mutmaınah M, Sukmadılaga C, Nugroho L. Development of Islamic Insurance in Southeast Asia (Malaysia, Brunei Darussalam, and Indonesia): The Progress Perspective. Sosyoekonomi. 2022;30(52):243-55.