Analisis Prinsip Keadilan dan Perlindungan Sosial dalam Sistem Santunan PT. Jasa Raharja (Persero) Ditinjau dari Perspektif Asuransi Syariah

Abstract

This study examines the application of the principles of justice and social protection in the provision of compensation by PT Jasa Raharja and analyzes its compatibility with the principles of Islamic insurance. This study employed a descriptive qualitative approach. Research information was obtained through interviews, observations, and documentation involving PT Jasa Raharja Medan Branch officials and members of the community who received compensation. The collected data were analyzed through the stages of data reduction, data presentation, and conclusion drawing, following the analytical model developed by Miles and Huberman. The results show that the implementation of compensation by PT Jasa Raharja reflects the principle of justice through transparent procedures, equal treatment, and the provision of victims’ rights in accordance with applicable regulations. The compensation also provides social protection by helping victims and their heirs cope with the economic impacts arising from traffic accidents. From the perspective of Islamic insurance, this mechanism shares common values with ta'awun, which emphasizes mutual assistance; takaful, which involves collective risk management; and maslahah, which emphasizes achieving benefits for society. These values are consistent with the objectives of maqashid al-shariah, particularly the protection of life (hifz al-nafs) and the protection of property (hifz al-mal). Thus, PT Jasa Raharja’s compensation system not only serves as a form of state-administered social protection but also demonstrates values that are consistent with Islamic economic principles in promoting justice, welfare, and public benefit. These findings contribute to the development of studies concerning the relationship between public social protection systems and Islamic insurance values in the Indonesian context.