ISSN: 2222-6990
Open access
Microtakaful is increasingly positioned as a Shariah-compliant risk-protection mechanism for low-income households and micro, small, and medium enterprises (MSMEs), yet its institutional integration with Islamic microfinance institutions (IMFIs) remains fragmented. This study develops an evidence-based conceptual model for microtakaful–IMFI collaboration in Indonesia through qualitative content analysis of 20 national and international journal articles selected from the literature base of Dindin Jaenudin’s doctoral thesis. The corpus was coded manually through a software-independent, NVivo-oriented procedure (NVivo software itself was not used) comprising source classification, open coding, axial coding, thematic aggregation, coding-density analysis, coding-similarity analysis, and concept mapping. Five higher-order themes emerged: accessibility and adoption; Shariah governance and maqasid; institutional integration; digital delivery and efficiency; and protection, inclusion, and welfare. The synthesis indicates that microtakaful adoption is shaped not only by price and awareness but also by trust, claims simplicity, digital access, Shariah assurance, and the institutional architecture linking IMFIs with takaful operators. Direct partnership is conceptually the strongest baseline when institutional capacity is sufficient, while agent, broker, and self-insurance arrangements remain context-dependent alternatives. A maqasid-based model is proposed in which compliance, underwriting, claims, and facility needs operate as governance domains connecting partnership design to financial inclusion and resilience. The study contributes a transparent qualitative evidence map that can complement expert-based ANP prioritization and guide future empirical validation in Indonesian IMFIs.
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