ANALISIS PERAN TEKNOLOGI BLOCKCHAIN DALAM MENINGKATKAN TRANSPARASI DAN EFISIENSI ASURANSI SYARIAH

Syahraeni Eni; Ulfah Luthfiyah Buhari; Muh. Fakhri Amir; Kamiruddin Kamiruddin

doi:10.37600/ekbi.v7i2.1579

Syahraeni Eni Institut Agama Islam Negeri (IAIN) Bone
Ulfah Luthfiyah Buhari Ekonomi dan Bisnis, Universitas Pelita Bangsa
Muh. Fakhri Amir Ekonomi Syariah, Institut Agama Islam Negeri (IAIN) Bon
Kamiruddin Kamiruddin Ekonomi Syariah, Institut Agama Islam Negeri (IAIN) Bone

DOI: https://doi.org/10.37600/ekbi.v7i2.1579

Abstract

The Islamic insurance industry has rapidly developed in recent decades, driven by Sharia principles such as risk sharing, justice, and avoidance of gharar (uncertainty) and riba (interest). This research aims to explore the role of blockchain technology in enhancing operations and risk management in the Islamic insurance industry. The research method used is a literature review, gathering data from books, journals, and articles related to blockchain technology and Islamic insurance. The findings indicate that blockchain technology has significant potential to improve transparency, security, and efficiency in Islamic insurance. Blockchain can record transactions openly and immutably, ensuring honesty and openness in line with Sharia principles. The use of smart contracts allows for the automation of claims processes and reduction of administrative costs. However, blockchain implementation faces challenges such as regulatory uncertainty, high initial costs, and a shortage of experienced professionals. The application of blockchain technology in Islamic insurance in Indonesia is still under development, with many Islamic insurance companies in the evaluation and trial phase before deciding on full adoption. This is due to the need for significant investment in technology infrastructure and limited understanding and expertise in blockchain technology among Islamic insurance practitioners.

References

[1] Prudential Syariah, “Perkembangan
Asuransi Syariah di Indonesia.”
Accessed: Jul. 30, 2024. [Online].
Available:
https://www.prudentialsyariah.co.id/id/pu
lse/article/perkembangan-asuransisyariah-di-indonesia/
[2] O. J. K. OJK, “Draft Roadmap
Pengembangan Perasuransian Indonesia,”
Dep. Pengaturan dan Pengemb. IKNB,
OJK, pp. 1–63, 2023, [Online]. Available:
www.ojk.go.id.
[3] W. Y. Kadeli, M. Hasanah, and ...,
“Analisis Pengaruh Perkembangan
Teknologi Terhadap Asuransi Syariah,” J.
Ilm. Manaj. …, vol. 1, no. 3, pp. 200–205,
2024.
[4] A. A. Safika, S. Hidayati, M. A.
Purwanto, and A. Pendahuluan,
“ASURANSI SYARIAH DAN PEMBANGUNAN EKONOMI BERKELANJUTAN: PERSPEKTIF MAQASHID AL-SYARIAH Aan,” vol.
5, no. 10, 2024.
[5] M. Kahila Shanty and A. Zaerofi, “Peran Asuransi Syariah dalam Membangun Rantai Nilai Halal The Role of Islamic
Insurance in Building Halal Value Chains,” vol. 6, no. 1, p. 70, [Online]. Available: https://ejournal.uit- lirboyo.ac.id/index.php/perbankanArticle DOI:https://doi.org/10.33367//at.v6i1.14
92
[6] F. A. Romadhon and Z. M. Nawawi,
“Eksplorasi Penggunaan Teknologi
Blockchain dalam Transaksi Keuangan Syari’ah BSI KCP PROBOLINGGO Mohammad,” Econ. Rev. J., vol. 3, no. 2, pp. 1087–1095, 2024, doi:
10.56709/mrj.v3i2.341.
[7] N. Maisaroh and S. Hilal, “Bulletin of
Community Engagement,” vol. 4, no. 1,
2024.
[8] M. Hargono and M. Handayani,

“Asuransi syariah dan pengaruhnya terhadap stabilitas ekonomi indonesia,” vol. 8, no. 5, pp. 1–7, 2024.
[9] N. Farhana, “Implementasi Maqashid Syariah Pada Asuransi Syariah di Indonesia,” vol. 10, no. 01, pp. 58–63,
2024.
[10] J. Meri Kartika, Herlinda, “2024 Madani : Jurnal Ilmiah Multidisipline Strategi Untuk Meningkatkan Niat Menggunakan Asuransi Syariah 2024 Madani : Jurnal Ilmiah Multidisipline,” vol. 2, no. 7, pp.
47–54, 2024.
[11] I. G. Rini Cahyandari, Neng Hani
Rahmawati, Asuransi Syariah Model
Integrasi dengan Phyton. Depok: PT. Raja Grafindo Persada, 2024.
[12] N. Hasanah and A. Z. Hastriana, “AKAD- AKAD DALAM ASURANSI SYARIAH,” vol. 3, no. 1, pp. 243–256,
2024.
[13] F. L. N. Muhammad Rizky Dwi
Kurniawan, “Analisis Inovasi Dan
Implementasi Peran Ekonomi Syariah
Dalam Menghadapi Era Digital,” vol. 2,
no. 3, pp. 127–133, 2024.
[14] Djumadi, “Teknologi Blockchain dalam
Perspektif Ekonomi Islam / Keuangan
Islam,” Al-Kharaj J. Ekon. , Keuang. Bisnis Syariah, vol. 6, no. 3, pp. 3897–
3913, 2024, doi:
10.47467/alkharaj.v6i4.5131.
[15] A. Kusyanti, P. H. Trisnawan, U.
Brawijaya, P. Korespondensi, and K. Asuransi, “IMPLEMENTATION OF BLOCKCHAIN TECHNOLOGY
USING SMART CONTRACT,” vol. 10, no. 7, pp. 1563–1570, 2023, doi:
10.25126/jtiik.2023108016.
[16] P. Saputra, E. Yulianto, and H. Lase,
“Implementasi Teknologi Blockchain Dalam Akuntansi Keuangan : Peluang Dan Tantangan Bagi Perusahaan Di Indonesia,” vol. 4, pp. 152–158, 2024.