Model Holistik Percepatan Asuransi Syariah di Indonesia: Integrasi Literasi, Inovasi, dan Religiusitas

Abstract

As a country with a majority Muslim population, Indonesia should be the center of global sharia insurance growth. Unfortunately, the market share of Islamic insurance in Indonesia is still relatively low compared to conventional insurance. This article presents a conceptual model using a holistic approach by integrating three main factors: Islamic financial literacy, product innovation and digitalization, and religious values. These three elements are analyzed as the main drivers of acceleration in the Islamic insurance sector. Combining theoretical perspectives of Muslim consumer behavior, Islamic marketing theory, and empirical data from OJK and AASI, this model is expected to offer academic contribution and strategic solutions for stakeholders in developing an inclusive and sustainable Islamic insurance ecosystem.