Purpose

This study aims to determine the prospect of takaful funerals as an Islamic insurance product and its marketing strategy. The multicase study analyzed is the Takaful Funeral Amsterdam of Indonesia, launched in 2015, Millî Görüs of Turkey in 1970 and Arrahma of Morocco in 2006.

Design/methodology/approach

This study delivers an analytic hierarchy process to qualitatively and quantitatively describe Muslim customers’ priority choice and interest criteria for takaful funerals as a forerunner of Islamic insurance products.

Findings

Based on the priority choice and interest criteria, the highest priority element of takaful funeral products is market need (49.21%). The group subcriteria were dominant compared to the individual subcriteria. Product design is the second choice (20.9%), with function as the priority in subcriteria.

Practical implications

This indicates that the Muslim community urgently needs funeral service products that are consistent with Islamic law, which emphasizes its function. The market needs as the highest priority element implies that bundling products, affordable prices and simple design are the most suitable methods for developing takaful funeral products in Indonesia.

Originality/value

To the best of the authors’ knowledge, this is the first study to discuss Islamic funerals in Indonesia, with the potential to be further developed with the increasing need of the Islamic insurance industry for new products. Previous research did not examine the PPME Al-Ikhlas Takaful Amsterdam, Millî Görüs of Turkey and Arrahma of Morocco as case studies for developing Islamic funeral insurance in Indonesia. Therefore, this gives the present study high originality.

中文翻译：

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回教保险葬礼；伊斯兰保险产品的创新

目的

本研究旨在确定回教保险葬礼作为伊斯兰保险产品的前景及其营销策略。所分析的多案例研究包括 2015 年推出的印度尼西亚回教保险葬礼阿姆斯特丹、1970 年推出的土耳其 Millî Görüs 和 2006 年摩洛哥的 Arrahma。

设计/方法论/途径

本研究采用层次分析法，定性和定量地描述穆斯林客户对作为伊斯兰保险产品先驱的回教保险葬礼的优先选择和兴趣标准。

发现

根据优先选择和利益标准，回教保险殡葬产品的最高优先要素是市场需求（49.21%）。与个体子标准相比，群体子标准占主导地位。产品设计是第二选择（20.9%），功能是次标准中的首要选择。

实际影响

这表明穆斯林社会迫切需要符合伊斯兰教法、强调其功能的殡葬服务产品。市场需求是最优先考虑的因素，这意味着捆绑产品、实惠的价格和简单的设计是在印度尼西亚开发回教保险殡葬产品的最合适方法。

原创性/价值

据作者所知，这是第一个讨论印度尼西亚伊斯兰葬礼的研究，随着伊斯兰保险业对新产品的需求不断增长，有可能进一步发展。之前的研究并未将阿姆斯特丹的 PPME Al-Ikhlas Takaful、土耳其的 Millî Görüs 和摩洛哥的 Arrahma 作为在印度尼西亚发展伊斯兰丧葬保险的案例研究。因此，这使得本研究具有很高的原创性。