ECOSYSTEM DEVELOPMENT IN SUPPORTING THE POST-COVID-19 HALAL INDUSTRY IN INDONESIA (APPLICATION OF SHARIA MICRO INSURANCE FOR UMKM)

Arie Sulistyawan, Susi Widiasari

Sari


Using the principle of mutual help based on the Islamic Ta'awuni-Based Micro Insurance model is the purpose of this study as an effort to reduce the burden/risk, especially for UMKM involved in the halal product/service industry after the COVID-19 pandemic in Indonesia. The BOCR analysis is used because Islamic insurance companies/LKMS and UMKM in the halal industry sector will be given an advantage when using sharia microinsurance based on the ta'awun principle. Especially after the COVID-19 pandemic in Indonesia, especially UMKM engaged in the halal industry will be fully supported by the government because they are included in the national economic recovery program (PEN). Moral hazard is the implementation of this model for UMKM. Sharia insurance companies and LKMS will face risks in implementing it. However, these various risks can be reduced and prevented if the application uses IT and is managed properly.


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