Like any kind of insurance, Micro-Takāful can cover different risks to family/life, health, property/fire among others. It is of supreme importance for protecting poor lives against accidents, threats and other types of risks. Micro-Takāful is the provision of insurance services to the low-income people.
Eventually, a whole person proposing funding on sharia bank has been noted on ZIS institution in terms of financial track record and capacity. This action aims to minimize default payment happening recently in sharia bank due to funding mismanagement as well as create financial track record for an individual on ZIS level as a requirement on sharia bank financing. According to this urgency, there is an attempt to creating synergy between sharia bank and ZIS (Zakat, Infaq, Sodaqoh) institution in terms of empowerment. how to mitigating default in sharia bank and how to expand the role of ZIS institution in order to not only distributed consumptive funding but also productive funding. Recently, ZIS’s funding dominantly has been distributed for consumptive activities only.
The high potential of ZIS in Indonesia should be utilized to overcome Sharia Bank problems. Qualitative method is used in this study. This study aims to describe the development of ZIS’s institution in a role of distributor of social funding in Indonesia, thus to establish the framework of Sharia Bank and ZIS’s Institution Synergy as the ways to mitigating default payment and boost financial inclusion in Indonesia.
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