Turnitin: Design of Islamic Agricultural Insurance Model: Evidence from Indonesia

The agricultural sector is a role model that can be the basis for policymakers to integrate Islamic insurance patterns in agriculture. This research aims to design a model of the Islamic agricultural insurance system based on Islamic law in the context of Indonesia. This study is
expected to contribute for Indonesian government to accommodate the implementation of the Islamic agricultural insurance system and pattern in Indonesia. This study used an expert system approach through data collection and information as a reference in the formulation of model designs, including interviews, questionnaires, direct observation, and data synthesis in the field. This research stage used a systems development conceptual model described in the research process, including planning, analysis, design, verification, validation, and building models. The research hypothesis is confirmed that Islamic agricultural insurance can be implemented based on risk and investment with tabarru’ funds (mutual financial aid funds) and investment funds. Islamic agricultural insurance is a way out for farmers, especially Muslim farmers, in ensuring agriculture management by managing the level of risk due to crop failure. Islamic agricultural insurance systems can guarantee risks that arise in agricultural businesses to provide inner peace to farmers in getting the good and right protection for businesses that run following Islamic principles. This research has resulted in innovative
features and development models of Islamic agricultural insurance for the Protection and Empowerment of Farmers in Indonesia.