DIGITAL SHARIA INSURANCE INNOVATION: A CASE STUDY OF KITABISA INSURANCE PLATFORM AND ITS IMPACT ON FINANCIAL INCLUSION IN INDONESIA

Suryo Anugrah Sunendar; Chika Aditya

doi:10.59639/asik.v3i1.97

Authors

Suryo Anugrah Sunendar Universitas Paramadina
Chika Aditya Universitas Paramadina

DOI:

https://doi.org/10.59639/asik.v3i1.97

Keywords:

sharia insurance, fintech, financial inclution, technology

Abstract

This study aims to analyze the application of sharia principles and technological innovation in the business model of Kitabisa Insurance, a digital insurance platform based on mutual cooperation. This study explores how this platform improves financial inclusion through affordable, transparent, and solidarity-based services. Using a qualitative method based on case studies, data was collected through interviews, observations, and documentation. The results of the study show that Kitabisa Insurance has succeeded in answering the challenge of low penetration of sharia insurance in Indonesia by expanding accessibility and increasing financial literacy in the community. The technological innovations implemented make it easier for users to register, contribute, and claim, while building trust through data transparency. This study contributes to the development of digital-based sharia insurance services.

References

Afrianty, N., Isnaini, D., & Oktarina, A. (2019). Lembaga Keuangan Syariah. Zigie Utama.

Az-Zuhaili, W. (2007). Al-Fiqhu Al-Islamiyyu Wa Adillatuhu Jilid 5. Gema Insan Press.

Christensen, C. M. (1997). The innovator’s dilemma: when new technologies cause great firms to fail. Harvard Business Review Press.

Demirguc-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. (2018). The Global Findex Database 2017: Measuring financial inclusion and the fintech revolution. World Bank Publications.

Josyula, H. P., & Expert, F. P. T. (2021). The role of fintech in shaping the future of banking services. The International Journal of Interdisciplinary Organizational Studies, 16(1), 187–201.

Mufraini, M. Arif, dkk. (2019). Lembaga Keuangan Syariah. Prenada Media Group.

Nasional, D. S. (n.d.). Fatwa DSN-MUI No: 21/DSN-MUI/X/2001 Tentang Pedoman Umum Asuransi Syariah.

Nasional, D. S. (n.d.). Fatwa DSN-MUI No: 52/DSN-MUI/X/2006 Tentang Akad Wakalah bil Ujrah.

Nasional, D. S. (n.d.). Fatwa DSN-MUI No: 53/DSN-MUI/X/2006 Tentang Akad Tabarru.

Nasrullah, N., Rahmadhani, M. S. T., & Illahi, P. N. (2025). EXPERIENTIAL MARKETING: SENSE MARKETING, FEEL MARKETING, THINK MARKETING, ACT MARKETING TERHADAP KEPUASAN PENGUNJUNG DI ECO PARK KOTA DUMAI. Jurnal Daya Saing, 11(1), 52–59.

Otoritas Jasa Keuangan. (2024, June 25). Penyelenggaraan Usaha Perusahaan Asuransi, Perusahaan Asuransi Syariah, Perusahaan Reasuransi, dan Perusahaan Reasuransi Syariah. Https://Www.Ojk.Go.Id/Id/Regulasi/Otoritas-Jasa-Keuangan/Rancangan-Regulasi/Pages/RPOJK-Perubahan-POJK-69-2016-Penyelenggaraan-Usaha-Perusahaan-Asuransi,-Perusahaan-Asuransi-Syariah,-Perusahaan-Reasuransi.Aspx.

Puschmann, T., & Leifer, L. (2020). Sustainable Digital Finance: The Role of FinTech, InsurTech & Blockchain for Shaping the World for the Better. Zurich/Stanford: University of Zurich and Stanford University.

Rabbani, M. R. (2022). Fintech innovations, scope, challenges, and implications in Islamic Finance: A systematic analysis. International Journal of Computing and Digital Systems, 11(1), 1–28.

Ramdhan, M. (2021). Metode penelitian. Surabaya: Cipta Media Nusantara.

Sarma, M. (2008). Index of financial inclusion. Working paper.

Setijawan, Edi. (2023). Buku Pintar Industri Jasa Keuangan Non Bank Syariah. Otoritas Jasa Keuangan (OJK).

Suma Amin, Muhammad. (2021). Asuransi Syariah di Indonesia : telaah teologis, historis, sosiologis, yuridis dan futurologis. Bumi Aksara.

Soetiono, S. Kusumaningtuti dan Cecep Setiawan. (2020). Literasi Dan Inklusi Keuangan Indonesia. Raja Grafindo Persada.