DOES MUSLIM SOCIETY IN INDONESIA HAVE A GOOD UNDERSTANDING OF AND TRUST IN SHARIA INSURANCE?

Burhanuddin Susamto

Abstract


The market share of sharia insurance in Indonesia is still low compared to the conventional one even though the majority of people in this country are Muslim, indicating that there is a gap between expectations and reality. One important factor that influences market share is public trust which is built from understanding a product. Therefore, this research aims to measure the level of understanding of and trust among Muslims in Malang city in Sharia insurance products. This is empirical research employing a quantitative-descriptive analysis method. This research has found that Muslim society in Malang City still has a low understanding of Sharia insurance. In terms of the aspect of trust, their level is relatively good even though it is only built from an emotional aspect, not a cognitive one. Cognitive trust can only be built from a good understanding, whereas emotional trust can result from an emotional relationship. These findings help provide empirical data to support measures to increase Sharia insurance literacy in Indonesia.

Kenyataan bahwa pangsa pasar asuransi syariah di Indonesia masih rendah dibandingkan konvensional, meskipun mayoritas masyarakat di negara ini adalah beragama Islam. Hal ini telah menunjukkan bahwa ada kesenjangan antara harapan dengan kenyataan. Salah satu faktor penting yang mempengaruhi pangsa pasar adalah adanya kepercayaan masyarakat yang dibangun dari pemahaman terhadap suatu produk. Penelitian ini bertujuan untuk mengukur tingkat pemahaman dan kepercayaan masyarakat muslim di Kota Malang terhadap produk asuransi syariah. Artikel ini merupakan hasil penelitian empiris dengan menggunakan metode analisis deskriptif kuantitatif. Temuan dari penelitian ini adalah masyarakat muslim di Kota Malang masih memiliki pemahaman yang rendah tentang asuransi syariah. Kemudian dari aspek kepercayaan, level mereka relatif baik meski baru dibangun dari aspek emosional dan bukan aspek kognitif. Kepercayaan kognitif hanya dapat dibangun dari pemahaman yang baik, sedangkan kepercayaan emosional sudah dapat dibangun karena adanya hubungan emosional. Temuan ini memiliki kontribusi berupa penyediaan data empiris untuk mendukung upaya peningkatan literasi asuransi syariah di Indonesia.

Keywords


understanding; trust; sharia insurance; muslim society; Malang city;

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References


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DOI: https://doi.org/10.18860/j.v14i2.20957

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Jurusan Hukum Ekonomi Syariah
Fakultas Syariah
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Jl. Gajayana No. 50, 65144 Malang, East Java, Indonesia
Telp./Fax.: (0341) 559399
Email: jurisdictie@uin-malang.ac.id

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