Integrasi Takaful Mikro dan Wakaf Ketika Pandemik: Analisis Potensi dan Cabaran
[The Intergration of Micro Takaful and Waqf During Pandemic: Potentials and Challenges]
DOI:
https://doi.org/10.33102/uij.vol33no3.439Keywords:
COVID-19, Takaful mikro, penjagaan kesihatan, populasi miskin, wakafAbstract
Fenomena pandemik telah menyebabkan populasi miskin semakin terbeban dari sudut ekonomi disebabkan peluang pekerjaan yang semakin terbatas, kos perubatan meningkat dan akses fasiliti kesihatan yang terhad. Takaful mikro merupakan antara instrumen kewangan patuh Syariah yang menyediakan skim perlindungan kepada populasi berpendapatan rendah. Takaful mikro dikatakan mengalami beberapa permasalahan terutamanya yang melibatkan kos operasi. Justeru, aplikasi takaful mikro dengan sokongan dana wakaf dilihat antara solusi yang ideal. Kajian ini bertujuan untuk meneroka potensi, isu serta cabaran bagi integrasi takaful mikro dan wakaf ke arah memperkasakan perlindungan kesihatan bagi golongan miskin dalam mendepani wabak pandemik. Metode kajian kepustakaan dan dokumentasi digunakan untuk mendapatkan data. Bagi tujuan analisis, kaedah analisis kandungan, diskriptif, induktif dan deduktif digunakan secara konsisten. Hasil kajian telah mengenalpasti beberapa prospek dan cabaran bagi penggunaan wakaf dalam operasi takaful mikro turut dikenalpasti. Kajian diharapkan mampu menyumbang kepada perlaksanaan wakaf dan takaful mikro yang lebih dinamik dan lestari.
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