INSURTECH DAN NEW ISLAMIC INSURANCE MODEL: STUDI KASUS SHARING CLAIM DI LAKA BICYCLE INSURANCE, LONDON
DOI:
https://doi.org/10.30868/ad.v4i01.754Abstract
Pertumbuhan kontribusi premi asuransi syariah di Indonesia pada beberapa tahun terakhir sudah mulai mengalami penurunan dan titik jenuh, hal ini akan terus berlanjut sekiranya industri asuransi syariah tidak melakukan terobosan baru, Insurtech dan Skema model baru merupakan salah satu strategi yang dapat dilakukan untuk kembali meningkatkan pangsa pasar di Indonesia. Inovasi dan terobosan baru adalah di bidang insurtech, yaitu salah satu pengembangan teknologi di asuransi dengan skema dan model-model baru, salah satu model baru adalah sharing claim yang saat ini sudah mulai dijadikan salah satu alternatif model asuransi syariah di masa depan. Skema sharing claim ini merupakan konsep asuransi syariah berbasis komunitas dengan teknologi, sehingga nasabah dapat membayar premi dengan lebih murah. Tujuan penelitian ini adalah untuk menganalisis strategi pengembangan model claim sharing  dengan studi kasus Laka Bicycle Insurance di London. Penelitian ini menggunakan metode penelitian deskriptif analisis dengan pendekatan kualitatif. Kesimpulan penelitian ini adalah bahwa strategi pengembangan insurtech dan model claim sharing sangat berpotensi meningkatkan pangsa pasar asuransi syariah di Indonesia saat ini, seperti yang telah berhasil dijalankan oleh Laka Bicycle Insurance di London.
References
. Cappiello. (2018). Technology and the Insurance Industry: Digital Disruption and InsurTech Start-ups: Risks and Challenges, 2018. https://doi.org/10.1007/978-3-319-74712-5_3
B. Nicoletti. (2017). The Future of FinTech: A Business Model for Insurtech Initiatives, 2017. DOI 10.1007/978-3-319-51415-4_8
Emanuel Stoeckli & Christian Dremel & Falk Uebernickel. (2018). Exploring characteristics and transformational capabilities of InsurTech innovations to understand insurance value creation in a digital world. Institute of Information Management, University of St. Gallen, Müller-Friedberg-Strasse 8, 9000 St Gallen, Switzerland, Published June 2018. https://doi.org/10.1007/s12525-018-0304-7
Futoshi Okada. (2018). Collaborative Dynamic Capabilities for Service Innovation: Business Model Changes Through Collaborative Dynamic Capabilities Through Insurance Company Use of IT (InsurTech) in the Medical and Health Sectors. Nihon University, College of Commerce, Tokyo, Japan, 2018. https://doi.org/10.1007/978-3-319-77240-0_6
IBM Institut_Friend or foe Insurtechs and the global insurance industry. Emanuel Stoeckli & Christian Dremel & Falk Uebernickel. Exploring characteristics and transformational capabilities of InsurTech innovations to understand insurance value creation in a digital world. Electronic Markets (2018) 28:287–305. https://doi.org/10.1007/s12525-018-0304-7
Kamaruddin Sharif. (2004). TakÄful – Development and Challenges Over 20 Years of Its Existence in Malaysia. Jurnal Pengurusan, 23.
Muthmainah. (2016). The Growth of Sharia Insurance in Indonesia 2015-2016: An Academic Forecast Analysis. Shirkah, Journal of Economics and Business. ISSN: 2503-4235 (p); 2503-4243 (e)
Mohd Adib Ismail. (2016). Universiti Kebangsaan Malaysia. JMFIR, 13/ 2.
Martin Eling and Martin Lehmann. (2018). The Impact of Digitalization on the Insurance, The Geneva Papers, 2018, 43, (359–396). The International Association for the Study of Insurance Economics 1018-5895/18.
Noeng Muhadjir. (1996). Metodologi Penelitian Kualitatif, edisi III (Yogyakarta: Rake Sarasin, 1996),
Sadaqah-Based Crowdfunding Model for Microfinancing and Health Care, Muhammad Amir Lutfi
Tan Choon Yan, Paul Schulte, David LEE Kuo Chuen. (2018). InsurTech and FinTech: Banking and Insurance Enablement. Handbook of Blockchain, Digital Finance, and Inclusion, Volume 1. Copyright © 2018 Elsevier Inc. DOI: 10.1016/B978-0-12-810441-5.00011-7
Downloads
Published
How to Cite
Issue
Section
Citation Check
License
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
