Studi Komparatif Asuransi Shari’ah dan Konvensional

Jurnal Pendidikan Islam Indonesia

View Publication Info
 
 
Field Value
 
Title Studi Komparatif Asuransi Shari’ah dan Konvensional
 
Creator Moh. Asra
Rizqiyah Rizqiyah
 
Subject sharȋ’ah insurance
conventional insurance
ta'âwun
risk-sharing
 
Description Insurance is an institution engaged in services and helping people. In Arabic, insurance is called "Al-ta’mȋn", means to provide protection. According to the National Sharia Board-Indonesian Ulama Council (DSN-MUI), shari'ah insurance is an effort to protect one another and to help one another among people or groups through investments in the form of assets or tabarru’ funds (endowment), and repayment. The essential of the Islamic insurance implementation is cooperation (ta'âwun). To maintain consistency in the implementation of sharia in the financial sector and the enhancement of the nation’s prosperity, tabarru’ funds (endowment) are considered to be the same as grants (donation) so that the funds donated cannot be canceled. There are fundamental differences between conventional insurance and shari’ah insurance because shari’ah insurance uses the principle of risk-sharing so that sharia insurance companies called the operators wouldn’t call the guarantors. Customers in sharia insurance companies called participants wouldn’t call guaranteed. Besides other differences are the contract, premium elements, ownership of fund, investment of fund, payment of claims, profit sharing, there is Sharia Supervisory Board, vision and mission, accounting methods, there is no charred fund, and there is no charge (loading).
 
Publisher PPs UNIB
 
Date 2019-10-15
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article
 
Format application/pdf
 
Identifier https://ojs.pps-ibrahimy.ac.id/index.php/istidlal/article/view/155
10.35316/istidlal.v3i2.155
 
Source Istidlal: Jurnal Ekonomi dan Hukum Islam; Vol 3 No 2 (2019); 103-117
2548-7957
2548-754X
10.35316/istidlal.v3i2
 
Language eng
 
Relation https://ojs.pps-ibrahimy.ac.id/index.php/istidlal/article/view/155/100
 

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