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PERAN TAKAFUL MIKRO, LITERASI ASURANSI SYARIAH DAN KETAHANAN RUMAH TANGGA TERHADAP RESILIENSI EKONOMI PASCABENCANA DI KOTA PALOPO | JUMESI : Jurnal Manajemen dan Akuntansi

PERAN TAKAFUL MIKRO, LITERASI ASURANSI SYARIAH DAN KETAHANAN RUMAH TANGGA TERHADAP RESILIENSI EKONOMI PASCABENCANA DI KOTA PALOPO

Penulis

  • Indra Apriani Sekolah Tinggi Ilmu Ekonomi Pelita Buana
  • Afrillah Nengsih Sekolah Tinggi Ilmu Ekonomi Pelita Buana
  • Desy Rahmawati Anwar Sekolah Tinggi Ilmu Ekonomi Pelita Buana

Kata Kunci:

Takaful Mikro, Literasi Asuransi Syariah, Ketahanan Rumah Tangga, Resiliensi Ekonomi

Abstrak

Bencana alam merupakan salah satu faktor utama yang memperburuk kerentanan ekonomi rumah tangga, khususnya di wilayah rawan bencana seperti Kota Palopo. Dampak bencana tidak hanya menyebabkan kerusakan fisik, tetapi juga mengganggu stabilitas pendapatan, aset produktif, dan keberlanjutan usaha rumah tangga. Dalam konteks ekonomi syariah, takaful mikro dan literasi asuransi syariah dipandang sebagai instrumen keuangan yang berpotensi memperkuat ketahanan dan resiliensi ekonomi rumah tangga pascabencana. Penelitian ini bertujuan untuk menganalisis pengaruh takaful mikro, literasi asuransi syariah, dan ketahanan rumah tangga terhadap resiliensi ekonomi pascabencana di Kota Palopo. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 160 rumah tangga terdampak bencana, yang dianalisis menggunakan regresi berganda/SEM-PLS. Hasil penelitian menunjukkan bahwa secara parsial takaful mikro dan literasi asuransi syariah berpengaruh positif dan signifikan terhadap resiliensi ekonomi pascabencana. Ketahanan rumah tangga ditemukan sebagai variabel dengan pengaruh paling dominan. Secara simultan, ketiga variabel mampu menjelaskan 64% variasi resiliensi ekonomi rumah tangga pascabencana. Temuan ini menegaskan bahwa resiliensi ekonomi pascabencana tidak hanya ditentukan oleh kapasitas internal rumah tangga, tetapi juga oleh pemanfaatan instrumen keuangan syariah yang didukung oleh literasi yang memadai. Penelitian ini berkontribusi dalam memperkaya literatur ekonomi syariah dengan menawarkan pendekatan integratif berbasis takaful mikro untuk penguatan resiliensi ekonomi di wilayah rawan bencana.

Referensi

AASI / Industry report. (2023). Kinerja dan Analisis Industri Asuransi Syariah (statistik & analisis OJK).

Abd Rahim, F., & Amin, H. (2021). Determinants of takaful participation: A systematic literature review. Journal of Islamic Marketing, 12(6), 1189–1210. https://doi.org/10.1108/JIMA-03-2020-0068

Abd Rahman, R., Ismail, A. G., & Ridzuan, A. R. (2022). Microtakaful as a risk management tool for the B40 group: Empirical evidence from Malaysia. International Journal of Islamic and Middle Eastern Finance and Management, 15(2), 329–347.

Ayub, M. (2020). Understanding Islamic finance (2nd ed.). Wiley.

Barrett, C. B., Ghezzi-Kopel, K., Hoddinott, J., & Homami, N. (2021). A scoping review of the development resilience literature: Theory, methods and evidence. World Development, 146, 105612. https://doi.org/10.1016/j.worlddev.2021.105612

Béné, C., Mehta, L., McGranahan, G., Cannon, T., Gupte, J., & Tanner, T. (2020). Resilience as a policy narrative: Potentials and limits in the context of urban planning. Climate and Development, 12(2), 116–133. https://doi.org/10.1080/17565529.2019.1609415

Billah, M. M. (2019). Applied Islamic insurance. Routledge.

BNPB. (2024, 31 Maret). Banjir dan longsor melanda Kota Palopo dan Kabupaten Luwu. Badan Nasional Penanggulangan Bencana.

Chapra, M. U. (2020). The Islamic vision of development in the light of maqasid al-shariah. Islamic Research and Training Institute.

Clarke, D., & Dercon, S. (2021). Dull disasters? How planning ahead will make a difference. Oxford Review of Economic Policy, 37(1), 62–83. https://doi.org/10.1093/oxrep/graa040

Dercon, S., Hill, R., Clarke, D., Outes-Leon, I., & Taffesse, A. S. (2021). Offering rainfall insurance to informal insurance groups: Evidence from a field experiment in Ethiopia. Journal of Development Economics, 150, 102621. https://doi.org/10.1016/j.jdeveco.2020.102621

Hallegatte, S., Rentschler, J., & Walsh, B. (2020). Building back better: Achieving resilience through stronger, faster, and more inclusive post-disaster reconstruction. World Bank.

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Ismail, N., Htay, S. N. N., & Mohamad, A. (2023). Financial literacy and microtakaful adoption: Evidence from developing economies. Journal of Islamic Accounting and Business Research, 14(4), 620–638. https://doi.org/10.1108/JIABR-01-2022-0015

Kementerian Kesehatan Republik Indonesia — Pusat Krisis. (2021, 28 Agustus). Banjir di Kota Palopo, Sulawesi Selatan. Pusat Krisis Kemenkes.

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Klapper, L., Lusardi, A., & van Oudheusden, P. (2020). Financial literacy around the world: Insights from the Standard & Poor’s ratings services global financial literacy survey. World Bank Economic Review, 34(S1), S1–S10. https://doi.org/10.1093/wber/lhz017

Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5

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Unduhan

Diterbitkan

2025-10-23

Terbitan

Vol 1 No 2 (2025): JUMESI

Bagian

Artikel