Sharia-based Education Insurance Program With Corn Waste As Premium, Alternative For Decreasing The Dropout Rates In Society Of Karang Jati Pasuruan

Melani Anggraini, Siti Khodijah Ananda Ayu, Diva Betary


Karang jati is one of village in Indonesia which located in Pandaan sub-district, Pasuruan district with commonly the population become a farmer and cattleman. Corn is one of vegetation that often planted by society there. However, society in this village are not be able to utilize the corn waste that produced by remaining corn production. Moreover, the number of dropout in this village are still have high number. Therefore, society are needed effort to utilize corn waste and decrease the dropout rates. The writer was initiated a program that is Sharia-Based Education Insurance by using corn waste as a premium. The purpose of writing this scientific paper is to know general description about society in Karang jati village, so that it is aligned with Sharia-Based Education Insurance and to know implementation mechanism Sharia-Based Education Insurance program. The theory that used is theory which related with education insurance, cooperative and production of fermented animal feed. Research method that used is qualitative by taking data through interview, observation and study of literature. Sharia-Based Education Insurance program is offered with groove and financial plan which started when citizens submit the corn waste as premium. Thereafter, the cooperative changes waste to become fermented animal feed. After that, it is sold at fermented feed price Rp. 6000,00/kg. The fund proceeds of sale will be processed by cooperative by using profit-sharing system 70% for customer and 30% for cooperative. Insurance claims are awarded when the participant has reached the insurance target, expired the contract period and resign. To implement Sharia-Based Education Insurance program is needed cooperation with related parties such as investor, government and animal feed company. Implementation of Sharia-Based Education Insurance program is done by applying the principle of tafakul (caring) and ta’awun (tolong-menolong) that integrated with cooperative. Sharia-Based Education Insurance program is expected to resolve corn waste that produced by remaining corn production and decrease the dropout rates in Karang jati village Pasuruan.

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