Muslim Population In Indonesia Research Articles

THE INDONESIAN HALAL INDUSTRY IS REVIEWED FROM A MICROECONOMICS AND MACROECONOMICS PERSPECTIVE

Halal industry is an effort to process raw goods into finished or semi-finished goods using facilities/equipment whose licenses are in accordance with Islamic law. The large number of Muslim population in Indonesia has a positive impact on the development of the halal industry in Indonesia. In its development, the halal industry is divided into several sectors including halal food, halal fashion, halal pharmacy, halal tourism, halal finance, etc. This study was conducted to review Indonesian halal industry from a microeconomics and macroeconomics perspective. This research uses literature study obtained from various books and relevant journals. The results of this study are in the form of data on Indonesian state revenues and expenditures generated from the halal industry and their effects on the Indonesian economy.

Analisis Faktor-faktor yang Memengaruhi Minat Sertifikasi Halal pada Pelaku UMKM di Jawa Timur

The large percentage of the Muslim population in Indonesia is a great opportunity to become the largest producer of halal products and services in the world. Since the enactment of Law No. 33 of 2014 concerning Guaranteed Halal Products, halal certificates are mandatory for products imported, distributed and traded in Indonesia. One sector that is prone to product halal issues is MSME. This study aims to analyze the factors that influence interest in halal certification in MSME actors in East Java. This study uses the variables understanding halal certification, halal awareness, and halal certification costs. Using quantitative methods with multiple linear regression analysis. The analytical tool used was SPSS version 25. The data used in this study were primary data obtained by distributing questionnaires in the form of a Google form. Sampling used a purposive sampling technique with sample criteria namely food and beverage MSME actors who are domiciled in East Java, especially Gresik, Bangkalan, Mojokerto, Surabaya, Sidoarjo, and Lamongan, and have been running a business for 2 years or more. The results of the study show that partially the understanding of halal certification and halal awareness has an effect on the interest in halal certification among MSME actors in East Java. When the understanding of halal certification and halal awareness increases, the interest in halal certification for business actors also increases. Partially, the cost of halal certification has no effect on interest in halal certification in MSME actors in East Java

Analisis Faktor-faktor yang Mempengaruhi Minat Masyarakat Menabung di Bank Syariah Indonesia

Islamic banking is an Islamic economic phenomenon that has become an alternative and increasingly popular with people around the world, including millennials. Not only to accommodate the interests of Muslims, but also to integrate personal interests and community benefits in a balanced form. Islamic banking in Indonesia is currently experiencing rapid development. As a country with the largest Muslim population in the world, Indonesia certainly has a very important role in building the Islamic economy. This can be used as a great opportunity by Bank Syariah Indonesia in optimizing its role to support the country's plan to develop Islamic finance in Indonesia. It can be seen that the number of customers at Bank Syariah Indonesia is still far from expectations when viewed from the large Muslim population in Indonesia. This indicates that there are still many Muslim residents in Indonesia who still do not use the services of Sharia Banks in Indonesia. This indicates that there are still many Muslim residents in Indonesia who still do not use the services of Sharia Banks in Indonesia. This can arise by several factors that are the reason why the Indonesian Muslim population is still reluctant to use the services of Bank Syariah Indonesia. The large gap between the Muslim population in Indonesia and the number of customers of Bank Syariah Indonesia is one of the attractions for researchers to conduct an analysis of the Factors Influencing Public Interest in Saving at Bank Syariah Indonesia (BSI). Interest can be interpreted as an interest or tendency to choose what is desired. One example is the interest and tendency towards interest in saving, for example a religiously inclined person will choose Islamic banks over conventional banks because based on Islamic religious law which prohibits his people from transacting ribawi (interest). According to (crow & crow 1998) states that there are six that affect interest, namely: income factors, job stability factors, financial goal factors, risk avoidance factors, knowledge factors, social and cultural environmental factors. While the author in conducting this study used descriptive qualitative methods with data collection techniques used was to conduct structured interviews to the community with the help of research instruments in the form of mobile phone cameras as photo documentation and recordings during interviews with the people of Bandung City which at this time became a source of research information. The results obtained from research conducted by the author to the people of Bandung city resulted in income, risk avoidance / security factors and social and cultural environmental factors are factors for people interested in saving their money in Indonesian Islamic banks (BSI).
 Keywords: Bank Syariah Indonesia, community, Interest.

Pengaruh Brand Image dan Kemudahan Akses terhadap Minat Berqurban di Masjid dengan Moderasi Religiusitas

The condition of the majority Muslim population in Indonesia has a very significant potential for qurban (sacrifice). The development of community interest in qurban increases every year. This is because the organization of qurban slaughtering has become a routine for Muslim communities. Additionally, qurban also serves as a driving force for the economy and culture. The recommended location for qurban is the same as the place for Eid prayers, where mosques are one of the main choices for qurban. Factors influencing the community's interest in performing sacrifices in mosques are one of the aspects that need attention. Therefore, research is conducted to analyze these factors. However, it is not impossible for qurban to be performed elsewhere. This research involves 158 respondents from the Muslim community in Sidoarjo. Data is collected using Purposive Sampling and processed using SmartPLS. The data processing results indicate that brand image does not directly influence, but indirectly, with trust as a mediator, it has an effect on the interest in performing qurban in mosques. Direct and indirect ease of access, using trust as a mediator, has an effect on interest. Meanwhile, religiosity cannot moderate the relationship between brand image and ease of access to the interest in performing qurban in mosques.

The Role of Innovation Management and Business Strategy to Boost the Sustainable Performance of Islamic Bank in Indonesia

Purposes: In terms of asset share and market share, Islamic banks in Indonesia continue to perform worse than conventional banks. This contrasts with the majority Muslim population in Indonesia. Considering, this research is aimed at investigating the influence of innovation management and business strategy on the performance of Islamic banks in Indonesia. Theoritical Framework: This study employs a causal research approach. With a quantitative methodology and cross-sectional data collection, explanatory research was conducted. Exogenous variable in this research is innovation management and business strategy. The endogenous variabel in this reasearch is Sustainable Islamic Bank Performance. Design/Methodology/Approach: This study's unit of analysis is the Islamic banking service industry. The survey includes a sample of 197 Islamic banks., including Islamic Commercial Banks, Islamic Business Units, and Islamic People Financing Banks, according to data from the Financial Services Authority (OJK). The unit of observation or respondent is the management/top management of each of these banks. The number of samples taken was 75. The measurement scale employed an ordinal scale based on the Likert technique. For data analysis, the SEM (Structural Equation Modeling) technique was utilized. Result: Business strategy and innovation management have a significant impact on the sustainable performance of Islamic banks in Indonesia, according to the results of a test of hypotheses. Innovation management has a greater impact on the performance of Islamic banks than business strategy. Research, Practical and Social Implications: The managerial ramifications of this study's findings are that the management of Islamic banks must reconsider and reformulate their business strategies to be more in line with current conditions, as well as develop innovative management in line with the ever-changing technological trends. Originality/Value: The novelty of this study is that innovation and strategy in Islamic Banks are important aspects that empirically influence the sustainability performance of Islamic Banks. Aspects of innovation and strategy are important when managing Islamic Banks so that they can grow and obtain positive profits.

Sinergitas Stakeholder Pengembangan Halal Fashion di Indonesia

The size of the Muslim population in Indonesia and the demographic bonus are factors in increasing the halal industry. The halal industry in Indonesia covers not only the halal food sector but also other sectors such as Islamic finance, halal travel, halal fashion, halal cosmetics and pharmaceuticals, and halal media end recreation. According to the State of the Global Islamic Economy Report 2022, Indonesia is still under the United Arab Emirates and Turkey and cannot become the world's center for halal fashion. Therefore halal fashion development model is needed so that Indonesia can compete with that country. This research aims to initiate a model of halal development in Indonesia. The approach used is descriptive analysis with secondary data. Research data was collected from books, articles, and reports published by relevant agencies, which were then reduced by data so that researchers could interpret the data collection results and conclude the research results. As for the results of research conducted on several sources, researchers found a halal fashion development model, where in this development model, the synergy of all elements is required, starting from the government, society (producers, distributors, and consumers), Islamic financial institutions, and research institutions and universities. to realize Indonesia as the center of world halal fashion. This synergy is needed so local people can look at halal fashion products produced by Indonesian designers. Not only importing products from abroad. Because domestic halal fashion products are no less competitive than products found abroad.

DETERMINANTS OF SOCIAL ENTREPRENEURSHIP FROM ISLAMIC PERSPECTIVE

Along with the increasing Muslim population in Indonesia, the greater opportunity to develop Islamic social entrepreneurship. This research was conducted to find out the factors that influence the intention of Islamic social entrepreneurship in Indonesian Muslim communities through observing the effect of prior experience, empathy, moral obligation, self-efficacy, and perceived social support on social entrepreneurial intentions based on Islamic principles. We processed the data using the Partial Least Square-Structural Equation Model (PLS-SEM) method in Smart PLS 4.0 which the data was collected using a self-administrated questionnaire. The results showed that prior experience, moral obligation, self-efficacy, and perceived social support has a significantly positive effect towards the intention of social Islamic entrepreneurial intentions in Indonesian Muslim communities and thus this result can be applied as a reference for policy makers or academics to increasing Islamic entrepreneurial activity and promote Islamic entrepreneurial intentions in society.

Hubungan Pengetahuan tentang Pangan Halal dan Thoyyib dengan Kebiasaan Makan Mahasiswa Universitas Al-Azhar Indonesia

<p><strong>The large muslim population in Indonesia makes the need for halal food and thoyyib increases. This need has not been matched by public awareness in choosing, buying and consuming halal products, especially among students. This cross sectional study aims to analyze the relationship between knowledge of halal food and thoyyib with the eating habits of Al-Azhar Indonesia University students. The research was conducted from March to October 2020. The research subjects were 110 active students of Al-Azhar Indonesia University who were selected by proportional random sampling. Data was collected online using google forms. The results showed that most of the subjects (63.6%) had moderate knowledge of halal and thoyyib food, with a score of 60-80. The results also showed that most of the study subjects (76.4%) had relatively good eating habits (score ≥ 92). There was a significant relationship between knowledge of halal food and thoyyib with the frequency of meals per day (r = 0.834, p <0.05).<em></em></strong></p><p><strong><em>Keywords </em></strong>- <em>Ha</em><em>lal, </em><em>T</em><em>hoyyib, Knowledge, Eating Habits, Students</em>.</p>

Analisis Faktor-Faktor Yang Mempengaruhi Minat Masyarakat Menabung Di Bank Syariah Indonesia : Studi Pada Masyarakat Kota Bandung

Islamic banking is an Islamic economic phenomenon that has become an alternative and increasingly popular with people around the world, including millennials. Not only to accommodate the interests of Muslims, but also to integrate personal interests and community benefits in a balanced form. Islamic banking in Indonesia is currently experiencing rapid development. As a country with the largest Muslim population in the world, Indonesia certainly has a very important role in building the Islamic economy. This can be used as a great opportunity by Bank Syariah Indonesia in optimizing its role to support the country's plan to develop Islamic finance in Indonesia. It can be seen that the number of customers at Bank Syariah Indonesia is still far from expectations when viewed from the large Muslim population in Indonesia. This indicates that there are still many Muslim residents in Indonesia who still do not use the services of Sharia Banks in Indonesia. This indicates that there are still many Muslim residents in Indonesia who still do not use the services of Sharia Banks in Indonesia. This can arise by several factors that are the reason why the Indonesian Muslim population is still reluctant to use the services of Bank Syariah Indonesia. The large gap between the Muslim population in Indonesia and the number of customers of Bank Syariah Indonesia is one of the attractions for researchers to conduct an analysis of the Factors Influencing Public Interest in Saving at Bank Syariah Indonesia (BSI).Interest can be interpreted as an interest or tendency to choose what is desired. One example is the interest and tendency towards interest in saving, for example a religiously inclined person will choose Islamic banks over conventional banks because based on Islamic religious law which prohibits his people from transacting ribawi (interest). According to (crow & crow 1998) states that there are six that affect interest, namely: income factors, job stability factors, financial goal factors, risk avoidance factors, knowledge factors, social and cultural environmental factors.While the author in conducting this study used descriptive qualitative methods with data collection techniques used was to conduct structured interviews to the community with the help of research instruments in the form of mobile phone cameras as photo documentation and recordings during interviews with the people of Bandung City which at this time became a source of research information. The results obtained from research conducted by the author to the people of Bandung city resulted in income, risk avoidance / security factors and social and cultural environmental factors are factors for people interested in saving their money in Indonesian Islamic banks (BSI).
 Keywords: Bank Syariah Indonesia, communit, Interest.

THE EFFORTS OF THE INDEPENDENCE OF MTA PESANTREN PUTRI AL-AMIEN IN DEVELOPING THE HALAL ECOSYSTEM IN THE ECONOMIC FIELD FROM THE PERSPECTIVE OF PP NO. 39 OF 2021 CONCERNING PBJPH

In the development of the Muslim population, which is currently expanding, it can cause or have a majoreffect on the economy in the surrounding community, including the Muslim population in Indonesia,which has an influence on the development of the halal ecosystem which has a great opportunity for theeconomy in Indonesia and in the world. Islamic boarding school educational institution which is one ofthe educational institutions engaged in teaching Islam, which exists in the midst of society. It has economicindependence that is well developed and managed through the economic system built by the boardingschool. And this shows that there is an economic and financial system that is managed through a shariafinancial system, so this is a reinforcement for the development of halal ecosystems in Islamic boardingschools. This study aims to determine how the independence efforts that have been instilled in the MTAPesantren Putri Al-Amien in the development of the halal ecosystem in the economic field from theperspective of PP No. 39 of 2021 concerning PBJPH. This type of research uses descriptive qualitativeresearch methods which are considered very appropriate in developing the potential for the halal ecosystemin the economic field owned by the MTA Pesantren Putri Al-Amien The results obtained in this studystate that the MTA Pesantren Putri Al-Amien already has independence in developing the halalecosystem in the economic field of the types of business units that exist in the Islamic Boarding Schoolenvironment, so that the Islamic Boarding School has the means in guidance to develop its independence.Keywords: Self-Reliance Efforts, Islamic Boarding School, Halal Ecosystem

Pawn Gold for Financing Arrum Hajj at Palu Barat Branch Powder

Performing the pilgrimage is one of the wishes of all Muslims who seek to achieve it throughout their lives as a form of perfecting worship in the pillars of Islam. However, not all Muslims have the opportunity to carry out worship in the holy land because the implementation of the pilgrimage requires material and physical preparation. And mentally strong to carry out the worship. Besides that, the quota available for prospective Indonesian pilgrims set by the Saudi Arabian government is also limited when compared to the total Muslim population in Indonesia, which must be divided among 34 provinces in Indonesia. Therefore, the waiting list for pilgrims is increasing every year due to the increasing number of applicants for Hajj. Therefore, PT. Pegadaian Syariah makes the Arrum Hajj product, which is a gold pawning program for hajj financing for economically weak people who want to go on pilgrimage, through this product, people can register for hajj and simultaneously obtain a haj portion number.

Analysis of inflation, population, and economic growth on poverty in Muslim-majority provinces in Indonesia

This study aims to determine the effect of inflation, population, and economic growth on poverty in Indonesia. The object of this research is the Muslim majority population in 10 provinces in Indonesia in 2017–2021. In this study, the data used are time series obtained from Statistics Indonesia (BPS). The method used to see the effect of using a panel data regression approach is the Random Effect Model. The study results show that simultaneously, inflation has no effect on poverty, population size also has a positive effect on poverty, while economic growth has a negative effect on poverty. Of all the variables, inflation, population, and economic growth simultaneously significantly affect poverty in 10 provinces with the majority Muslim population in Indonesia.

Optimization of Bentonite Bar Soap Formula with Combination of Coconut Oil and Soybean Oil Using Simplex Lattice Design Method

Muslim population in Indonesia reaches 87% and is one of the countries with the largest muslim population according to the 2010 population census. Thaharah is one of the things that Muslims pay much attention to, especially in worship. One of thaharah is washing up from najis mughallazah. Soap is skin cleansing preparations that has become a public basic needs so that the innovation of soap formulation containing bentonite as a component that can washed the najis mughallazah to make it easier for Muslims to thaharah. This study optimizes the formula for bentonite bar soap with combination of coconut oil and soybean oil using the Simplex Lattice Design method. The optimum formula obtained was then verified using the one sample T-test method. To determine the optimum formula, it is necessary to test the physical and chemical properties such as foaming power and foam stability and follows the parameters of the Standar Nasional Indonesia such as foaming water content, pH, total fat, insoluble substance in ethanol, free alkali/ free fatty acid and unsaponifiable fat. Bentonite soap with the optimum formula was then tested for consumer acceptance. The optimum formula from the prediction consisted of 76.58% coconut oil and 23.42% soybean oil. The test results of the formula produced soap with hard properties and good foaming and met several requirements of SNI 3532:2021.

THE DEVELOPMENT OF ZAKAT INSTITUTIONS IN THE VIEW OF LEGAL REGULATIONS IN INDONESIA

THE DEVELOPMENT OF ZAKAT INSTITUTIONS IN THE VIEW OF LEGAL REGULATIONS IN INDONESIA

The Influence of Halal Destination Awareness on Halal Destination Loyalty: A Study on West Sumatera

<p><em>Opportunities in developing Muslim-friendly tourist destinations in Indonesia are getting bigger along with the increasing Muslim population in Indonesia and in the world. Since receiving the spotlight as a country with several world-class Halal Tourism awards, Indonesia has begun to focus on developing Muslim-friendly tourism comprehensively. West Sumatra is one of the provinces that has become the focus of the Indonesian Ministry of Tourism and Creative Economy as a Muslim-friendly tourist destination in Indonesia with the aim to provide Muslim-friendly tourism services for the global Muslim community. This study was conducted to analyze the effect of Halal Destination Awareness on Halal Destination Loyalty of West Sumatra as a Muslim-friendly tourist destination. Data was collected using a self-administered questionnaire and 386 respondents were obtained and then processed using PLS Structural Equation Modeling with SmartPLS 3.0 software. This study found that halal brand destination awareness has an effect on halal destination brand loyalty in the selection of West Sumatra as a Muslim-friendly tourist destination. These results can be used as a reference for tourism industry players to maximize the potential and advantages possessed by West Sumatra as a Muslim-friendly tourism destination. </em></p>

Are Zakat Institutions Trusted To Accept Charity?

This research aims to identify the factors that influence trust in paying zakat through zakat management organization (OPZ) or zakat institution in Indonesia. The theory in conducting this research is based on agency theory and legitimacy theory. This research is a quantitative descriptive research using primary data in the form of questionnaires distributed online using the Structural Equation Model (SEM) analysis tool. The population in the research is the Muslim population in Indonesia, who are obliged to pay zakat. Samples were taken randomly using the Simple Random Sampling method for as many as 100 respondents in 40 cities spread across Indonesia. The results showed that Muzakki's Perception of Management and Transparency Practices had a significant positive effect on trust in paying zakat through zakat institutions. Meanwhile, Muzakki's Perception of Zakat Institutions and Muzakki's Background has no significant effect on trust in paying zakat through zakat institutions. These findings are expected to be a serious concern for stakeholders in educating the Muslim community about the importance of paying zakat through zakat institutions in order to reduce income inequality and achieve economic prosperity in Indonesia. The results showed that Muzakki's Perception of Management and Transparency Practices had a significant positive effect on trust in paying zakat through zakat institutions. Meanwhile, Muzakki's Perception of Zakat Institutions and Muzakki's Background has no significant effect on trust in paying zakat through zakat institutions. These findings are expected to be a serious concern for stakeholders in educating the Muslim community about the importance of paying zakat through zakat institutions in order to reduce income inequality and achieve economic prosperity in Indonesia. The results showed that Muzakki's Perception of Management and Transparency Practices had a significant positive effect on trust in paying zakat through zakat institutions. Meanwhile, Muzakki's Perception of Zakat Institutions and Muzakki's Background has no significant effect on trust in paying zakat through zakat institutions. These findings are expected to be a serious concern for stakeholders in educating the Muslim community about the importance of paying zakat through zakat institutions in order to reduce income inequality and achieve economic prosperity in Indonesia.

PERENCANAAN DAN PERANCANGAN PESANTREN TAHFIDZUL QUR’AN AGRO

Tahfidzul Qura'an Agro Islamic Boarding School is an area that provides formal Islamic education (Madrasah Aliyah) and non-formal education of tahfidz Al-Qu'an and agriculture. The design location is in Kubu Raya Regency. Islamic Boarding School Tahfidzul Qura'an Agro is not only a place to learn religious knowledge but can also be a place to learn agriculture because the agricultural sector is the leading sector in Kubu Raya Regency. This design is also motivated by the number of memorizers of the Qur'an which is small compared to the Muslim population in Indonesia. The purpose of this design is to be able to design a Tahfidzul Qur'an Islamic boarding school facility to meet the needs in the field of religious education and other skills in the world of work. As a Thafidzul Qur'an boarding school, the students are required to memorize the Qur'an because the main function of this pesantren is to increase the number of memorizing the Qur'an. Skills in agriculture are also taught to equip students to face the world of work. The stages in the planning and design of the Tahfidzul Qura'an Agro Islamic Boarding School start from the idea stage, data collection, analysis, synthesis, pre-design, and design development. The pesantren area of the Tahfidzul Qura'an Agro Islamic Boarding School consists of several masses, namely: mosque buildings, memorization facilities, schools, student dormitories, management housing, and agricultural facilities. The mosque building is a focal point in the area. The mosque is in the middle to separate the zoana of male and female students. The location of the mosque is also in the middle so that it is easily accessible by students and residents around the pesantren area. memorizing facilities and schools are on the right and left of the mosque. The dormitory and residence manager are at the back to get a quieter atmosphere.

URGENSI PENDIDIKAN AGAMA DIKALANGAN NELAYAN PESISIR ACEH

As the province with the most Muslim population in Indonesia and with the Aceh special law in carrying out Islamic law, of course, religious education becomes its necessity in the view of the Acehnese people, including the fishing community. This study aims to look at the urgency of religious education for children among Aceh's coastal fishing communities and access to religious education institutions in the village as well as the factors of children's education. This study uses a qualitative research approach with descriptive data exposure, the study was conducted in villages inhabited by fishermen scattered throughout the coastal areas of Aceh, while the informants were fishing communities, village heads and apparatus where fishermen live, panglima laot, and people who could provide information with the required data. While data collection is done by observation, interviews, and documentation. The results showed that the Acehnese fishing communities prioritized the religious education of their children, the maximum availability of religious educational institutions in the village, then several obstacles hindered the education of fishermen's children, such as economic factors, the distance to formal schools was too far, motivation to go to school, and involved in making a living with their parents

Acceleration of Financial Technology Growth towards Inclusiveness of Unbankable Society in Achieving the Vision of the Islamic Banking Roadmap 2020-2025 (Case Study: Generation Z, Jabodetabek)

Indonesia's digital economy continues to experience positive growth. The growth of the digital economy causes the volume of digital banking transactions to continue to increase. This shows the potential in utilizing the fintech market to the fullest. However, this market has not been utilized properly because there are still unbankable people who have not been accessed by banking services. The presence of fintech is expected to be a solution to target the unbanked population. Based on the existing potential, fintech has the opportunity to be developed to increase the financial inclusion of Islamic banking in accordance with the 2020-2025 Islamic Banking Roadmap in Indonesia. With the largest Muslim population in Indonesia and through the role of Generation Z, which is a generation that grew up in the digital era, this can be a potential in increasing the role of fintech as an effort towards inclusiveness for the unbankable community. With the increase in community inclusiveness, it can encourage the acceleration of the development of Islamic banking. This study aims to optimize the role of fintech development in Islamic banking in achieving the objectives of the 2020-2025 Islamic Banking Roadmap in Indonesia. The method used in this research is quantitative research with data collection techniques through literature reviews and questionnaires. The results show that the majority of Generation Z have access to good fintech financial services. Thus, generation Z has a role in increasing the financial inclusion of Islamic banking through the use of technology services, namely fintech, so that in the end, increasingly inclusive banking finance can support the achievement of the vision of the sharia banking roadmap that has been launched by the OJK.

THE INNOVATION OF ISLAMIC INSURANCE AS A SOLUTION FOR PENETRATION

The penetration of Islamic insurance in Indonesia is not directly proportional to the number of Muslim population in Indonesia. This article aims to look at the causes of the low penetration of Islamic insurance in Indonesia. Literature study is the method used in this article by conducting content analysis, the data used in the form of writing, graphics, pictures and figures sourced from the OJK and the ASEAN Economic survey. The result of this research is the lack of innovation in Islamic insurance which caused the low penetration of Islamic insurance. Islamic insurance penetration can increase with innovation. Social insurance is a manifestation of the mandate of 1945 Constitution of Indonesia Republic which obliges to provide basic protection for all Indonesian people. With the large number of Muslim population in Indonesia, the opportunities for Sharia social insurance innovation can be taken into consideration. Sharia social insurance can be a solution to increasing the penetration of Sharia social insurance in Indonesia. In terms of regulation, the growth of Sharia social insurance can develop. This article has major implications for practitioners, policy makers and regulators.