Takaful as a Social Protection Instrument For Gig Workers: An Analysis FromThe Perspective Of Maqashid Syariah
Keywords:
gig economy Sharia Economics Takaful social protection Maqashid SyariahAbstract
The development of the gig economy in Indonesia brings new opportunities for flexible workers, but also raises serious issues related to social protection. Most gig workers do not have access to formal social security, health insurance, or adequate income protection. This condition creates socio-economic vulnerability, especially when workers face work accidents, illness, or income uncertainty. From a sharia economics perspective, takaful instruments have the potential to be a more open innovation. Takaful can reduce inequality while providing social protection for gig workers. Therefore, this study aims to analyze the concept of takaful as social protection for gig workers, as well as analyze the Maqashid Syariah perspective on takaful as a social protection instrument. This study uses a qualitative method with a literature study approach, utilizing secondary sources such as books, scientific journals, and muamalah fiqh literature. The results show that takaful has the potential as a social protection solution based on the values of justice and sustainability, using the concept that participants contribute to a mutual fund and the fund is used to provide assistance to participants who are sick, have had an accident, or have died. This also requires companies to act as fund managers through wakalah bil ujrah contracts, so that they have no rights to the funds. With the principles of ta'awun and tabarru’ contracts, takaful becomes a social protection tool that is in accordance with sharia principles. From the perspective of Maqashid Syariah, takaful fulfills two main objectives, namely protection of life and protection of property.
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