Transformasi Industri Asuransi Syariah Pasca Kebijakan Spin-Off: Analisis Kesiapan dan Tantangan di Aceh
DOI:
https://doi.org/10.63732/aij.v4i3.314Keywords:
Spin-Off, Islamic Insurance, AcehAbstract
The spin-off policy in the Islamic insurance industry represents an institutional strengthening strategy intended to enhance the independence and sustainability of Islamic insurance businesses in Indonesia. In Aceh, this policy has particular relevance because the region possesses distinctive social and institutional characteristics associated with the implementation of Sharia principles. This study aims to analyze the readiness of the Islamic insurance industry and identify the challenges arising after the implementation of the spin-off policy in Aceh. The study employs a library research method by examining relevant written sources, including books, scholarly articles, regulations, institutional reports, and publications concerning the development of the Islamic insurance industry. The data are analyzed descriptively and analytically through identification, classification, comparison, and synthesis of information related to industry readiness and post-spin-off challenges. The findings indicate that readiness for transformation is influenced by institutional strength, capital adequacy, human resource capacity, governance quality, technological preparedness, adaptive capability, and market development. Meanwhile, the main challenges involve public literacy and trust, market penetration, operational efficiency, consistent Sharia compliance, and business sustainability. The study concludes that spin-off should not merely be understood as an administrative separation, but as a comprehensive transformation integrating internal corporate readiness with Aceh's socioeconomic characteristics. This study contributes a contextual perspective on Islamic insurance transformation at the regional level and offers a conceptual basis for developing more adaptive, competitive, and sustainable institutional strategies.
References
Cahyadi, A., Amalia, E., & Amilin, A. (2023). Evaluasi Kebijakan Spin Off Pada Industri Asuransi Syariah Di Indonesia. AKTSAR: Jurnal Akuntansi Syariah, 6(1), 121–136.
Dwianasari, F., Saputra, H. A., Mujaliza, N., Natasya, S., & Marcelino, W. (2025). Kajian Literatur Tentang Efektivitas Asuransi Syariah Sebagai Alternatif Konvensional Di Indonesia. Jurnal Akuntansi, Keuangan, Perpajakan Dan Tata Kelola Perusahaan, 3(2), 235–242.
Farma, J., & Umuri, K. (2024). Lembaga keuangan syariah di Aceh: Tantangan dan peluang. AT-TASYRI’: JURNAL ILMIAH PRODI MUAMALAH, 16(2), 137–153.
Firdausy, C. M. (2021). Memajukan Industri Keuangan Syariah Berdaya Saing. Yayasan Pustaka Obor Indonesia.
Fitroti, A., Husniyyah, N., Chandra, R. A., Setiawan, I., & Widiantini, N. (2025). Asuransi Syariah Sebagai Instrumen Perlindungan Keuangan Yang Berkeadilan: Studi Kepustakaan. 56, 1516–1522.
Haerunnisa, N., & Rakhman, S. (2025). Analisis Strategi Pengembangan Sumber Daya Manusia Dalam Meningkatkan Daya Saing Pada Industri Pialang Asuransi Di Indonesia. Jurnal Ilmu Manajemen Indonesia, 3(2), 226–242.
Nasution, L. Z. (2019a). Strategi Spin-Off Bagi Pengembangan Keuangan Syariah: Tinjauan Pada Kasus Asuransi Syariah. JDEP (Jurnal Dinamika Ekonomi Pembangunan), 2(2), 80–93.
Nasution, L. Z. (2019b). Strategi Spin-Off Bagi Pengembangan Keuangan Syariah: Tinjauan Pada Kasus Asuransi Syariah. JDEP (Jurnal Dinamika Ekonomi Pembangunan), 2(2), 80–93.
Panorama, M., & Bayumi, M. R. (2024). Pengembangan Model Institusi Keuangan Nonbank Syariah. Penerbit NEM.
Press, U. (2020). Pengalaman Melembagakan Inovasi. UGM PRESS.
Purnomo, H. (2023). Manajemen Stratejik Bank: Strategi Bisnis Bank Syariah Pasca Spin-Off dan Konversi. Penerbit Literasi Nusantara. Malang.
Rahmi, M., & Siswantini, T. (2025). Spin Off Asuransi Syariah Di Indonesia: Kajian Efisiensi Dan Kinerja Keuangan. Islamic Economics and Business Review, 4(1), 116–124.
Suryawadi, E. (2025). Analisis Persiapan Spin-Off Unit Usaha Syariah Perusahaan Asuransi Umum Dalam Perspektif Regulasi UU PPSK No. 4 Tahun 2023 Dan POJK No. 11 Tahun 2023. Madani Syari’ah: Jurnal Pemikiran Perbankan Syariah, 8(2), 119–135.
Walidin, W., Saifullah, & Tabrani, Z. (2015). Metodologi Penelitian Kualitatif & Grounded Theory. FTK Ar-Raniry Press.
Yusuf, M. Y. (2023). INOVASI PEMBIAYAAN SYARIAH UNTUK SEKTOR PERTANIAN: Kajian Kebijakan Pembiayaan Syariah Pasca Lahirnya Qanun Lembaga Keuangan Syariah No 11 Tahun 2018 di Aceh. Ar-Raniry Press.
Zed, M. (2004). Metode Penelitian Kepustakaan. Yayasan Obor Indonesia.
