A quick scan of the available literature on the subject of halal tourism reveals that many scholars and laypersons alike misconceive this concept. Whereas some suggest that halal tourism occurs whenever a Muslim individual travels somewhere, others retort that only pilgrimages by Muslim travelers regarded as halal tourism. More careful research of the literature shows that the truth is somewhere in between, as none of the above definitions is correct. Overall, it is this lack of clarity that has prompted an additional inquiry into the essence of halal tourism. This essay is a modest academic endeavor to ascertain what halal tourism is and what ideologies lie at its foundation. To answer these questions, the author employs the literature review research methodology, scrutinizing number sources. Ultimately, this essay has established that halal tourism not confined to religious pilgrimages alone. Indeed, halal tourism occurs whenever a Muslim individual travels for religion, business or leisure and uses only those services and facilities that conform to the teachings of Islam.

Insurance companies have a risk of bankruptcy if the funds disbursed exceed the reserves owned, or the surplus is negative. The risk of bankruptcy can be predicted using a mathematical model to anticipate the possibility of bankruptcy early on, so the surplus process needs to be observed in its evolution over time, assumed to be discrete time because it refers to the budget year period. The surplus process model is generally determined by three components, namely company capital, total premiums, and total claims. The sharia insurance scheme separates the management of the company's capital account from the premium and claim fund accounts, making it easier to monitor the evolution of its surplus process. This study systematically reviews the surplus process model for the sharia insurance scheme. The systematic review method is carried out by collecting scientific papers published in the Scopus, ScienceDirect, Dimensions, and Google Scholar databases. The PRISMA flowchart selects and then produces three scientific papers that are relevant to the topic. The results of this study provide insight into the form of the surplus process model and four sharia insurance schemes, namely mudharabah, wakalah, hybrid, and waqf. However, the scheme introduced is still a general description, there is no scheme based on needs or social problems in society such as the integration of productive waqf with welfare benefits for groups in need such as fishermen. This research was conducted towards the transition towards sustainable development of sharia insurance.