Main Article Content
Abstract
The purpose of this study was to design a sharia loss insurance model that is suitable for small fishermen, especially fishermen in Palabuhan Ratu and Pangandaran areas. The method of this study was qualitative research with analytical techniques using Miles and Huberman. The results showed that small fishermen in carrying out operational operations, they often experienced loss and damage to operational equipment ranging from damage and loss of light to damage and loss of weight/severe. The damage was caused by natural factors or theft. To overcome this thing, small fishermen must spend large enough funds to repair the damage or replace losses. If the damage and loss were severe and weight, small fishermen stopped fishing operations and received no income. Small fishermen needed loss insurance and were eligible to become loss insurance customers if the management of small fishermen income. AKSNIL model is a model that bridges between the needs of small fishermen and insurance companies by involving the government and fish auction places and LKMS. This AKSNIL model can reduce the problems faced by fishermen related to continuity in the payment of insurance premiums, on the other hand, can also increase the role of LKMS in coastal communities. The insurance company is also not harmed because of the regular payment of claims and for the payment of claims in large amounts for fishermen are subsidized by the government.
Keywords: Sharia loss insurance, Small Fishermen, LKMS, AKSNIL Model, Insurance Institution
Article Details
References
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References
Ariandri, N., Alhifni, A., Kurnia, T. (2019). Desain Pembiayaan Mikro Bagi Nelayan Melalui LKMS. Prosiding Penelitian dan Pengabdian Kepada Masyarakat. Vol. 6 No.2:145-154.
Fadilah, N. A., Kurnia., T. (2018). Analisis Kebutuhan Nelayan Terhadap Pembiayaan Bank Syariah Di Pelabuhan Ratu Sukabumi Jawa Barat. Nisbah: Jurnal Perbankan Syariah. Vol. 4 No.2: 157- 170
Jeweleska, M., Nowak, M. G., Leszczylska, I., Jaremin, B. (2012). Occupational Hazards For Fishermen in The Workplace in Polish Coastal and Beach Fishing-A Point View. International Journal Maritim Health. Vol. 63 No. 1: 40-48.
Lara, O.H., Salas, S., Fraga, J., Dominquez, N.M., Chin, W. (2016). Fishermen Perceivetion and Attitudes toward risk diving and management issues in small scall fisheries. American Journal of Human Ecology. Vol 5 No.1, 1-10.
Muthukrishnan, G., Uma. S. B. K.P., Anantharaman. (2018). A Cross Sectional Study of Hypertension and Their Risk Factor in Fisherman of Chennai District. International Journal of Community Medicine and Public Health. Vol 5 No. 6: 2464-2470.
Nguyen, Q and Leung, P. (2009). Do Fishermen Have Different Attitude Toward Risk? An Application of Prospect Theory to The Study of Vietnamese Fishermen, Journal Of Agriculture and Resource of Economics. Vol. 34 No.4: 518-538.
Rahman, A.A., Alhifni, A. (2018). Analisis Kebutuhan Nelayan Terhadap LKMS. Jurnal Syarikah: Jurnal Ekonomi Islam. Vol. 4 No.2: 152-162.
Rani, M. (2016). Insurance Protection For Fishermen. Jurnal Selat. Vol. 4 No. 1: 1-14.
Rezaee, S., Brooks, M.R., Pelot, R. (2017). Review of Fishing Safety Policies in Canada With Respect to Extreme Environmental Conditions and Climate Change Effects. WMU Journal of Maritim Affairs.Vol. 16 No. 1:1-10.
Safitri, K.A. (2017). The Role of Insurance For Protection Again The Risk of Fishing Accident. Proceeding International Conference on Vocational Higher Education.
Sula, M. S. (2004). Asuransi Syariah. Gema Insani Press: Jakarta
Wekke, I.S., Cahaya, A. (2015). Fishermen Poverty and Survival Strategy: Research on Poor Households In Bone Indonesia. Procedia Economics and Finance. Vol. 26: 7-11.
Yoserizal., Yusri, A., Ramli, Z. (2016). The Study Towards The Traditional Fishermen Survival Mechanism in Facing Famime Season In Meskom Village Of Bengkalis Regency, Indonesia. Mediterranean Of Social Sciences. Vol 7. No.4: 363-371.