Sharia Life Insurance: Legal Basis and Operational Systems
Abstract
Islamic life insurance is a non-bank financial institution that is used by the Muslim community as a medium in anticipating risks that might arise in the future. So that people make insurance, especially sharia life insurance as an alternative in dealing with future risks related to one's life. This study aims to determine the legal basis for sharia life insurance and its operating system as a forum for information for Muslim communities in Indonesia. In this study, the author uses the doctrinal research method in which the approach used is the regulatory approach (Islamic law) and the conceptual approach. This research prioritizes secondary data in its management such as primary legal materials, secondary legal materials, and tertiary legal materials. This study shows the origin of Islamic insurance is derived from the traditions of the Arab community at the time of the Prophet Muhammad, called Akilah. If someone dies (killed) by someone, then the family of the murderer is obliged to pay blood money (diyat) to the heirs of the victim. The blood money was collected from murderous families and then handed over to the heirs of the victims. This tradition later developed into Islamic insurance known today. Sharia insurance operational system is to use two contracts, namely Tabarru contract and mudharabah contract. With the existence of these two contracts, the elements of gharar, maysir and riba can be removed.
References
Antonio, M. (1994). Asuransi Dalam Perspektif Islam. Jakarta: Syarikat Takaful Indonesia.
Budiyono, T. (2019). Penjamin Simpanan dari Waktu ke Waktu (Studi Penjamin Simpanan di Indonesia). Refleksi Hukum: Jurnal Ilmu Hukum. 3(2), 129–144. Retrieved from https://doi.org/10.24246/jrh.2019.v3.i2.p129-144
Disemadi, H. S. (2019). Kontrak Build Operate Transfer Sebagai Sarana Mewujudkan Kesejahteraan Rakyat. Jurnal Komunikasi Hukum (JKH), 5(2), 126–138. Retrieved from https://ejournal.undiksha.ac.id/index.php/jkh/article/view/18419
Hasanah, U. (2013). Asy-Syir’ah Asuransi Dalam Perspektif Hukum Islam. Jurnal Ilmu Syari’ Ah Dan Hukum, 47(1), 1–31. Retrieved from http://dx.doi.org/10.14421/asy-syir'ah.2013.%25x
Ismanto, K. (2014). Penerapan Prinsip-Prinsip Syariah Pada Perjanjian Asuransi Syariah Di Ro Takaful Keluarga Pekalongan. Jurnal Hukum Islam, 12(1), 103–116. Retrieved from https://doi.org/10.28918/jhi.v12i1.530
Puspitasari, N. (2011). Sejarah Perkembangan Asuransi Islam serta Perbedaanya dengan Asuransi Konvensional. JEAM: Jurnal Ekonomi Akuntansi dan Manajemen, 10(1), 35–47. Retrieved from https://jurnal.unej.ac.id/index.php/JEAM/article/view/1202
Said, M., & Herman, W. (2015). Perjanjian (Kontrak) Asuransi Modern Menurut Hukum Islam (Studi Pemikiran Muhammad Muslehuddin. Jurnal Hukum Islam, XV(1), 214–229. Retrieved from https://www.neliti.com/id/publications/56125/perjanjian-kontrak-asuransi-modern-menurut-hukum-islam-studi-pemikiran-muhammad
Saniatusilma, H., & Suprayogi, N. (2015). Manajemen Risiko Dana Tabarru’PT. Asuransi Jiwa Syariah Al Amin. Jurnal Ekonomi Syariah Teori Dan Terapan, 12(2).Retrieved from http://dx.doi.org/10.20473/vol2iss201512pp%25p
Shomad, A. (2017). Hukum Islam: Penormaan Prinsip Syariah dalam Hukum Indonesia. Jakarta: Kencana.
Sula, M. (2004). Asuransi Syariah; Life and General. Jakarta: Gema Insani Press, 200.
Supriyatni, R., & Fauji, A. A. (2017). Penerapan Prinsip Syariah Pada Lembaga Jasa Keuangan Perasuransian Di Indonesia. Jurnal Jurisprudence, 7(1), 29–39. Retrieved from https://doi.org/10.23917/jurisprudence.v7i1.4352
Abstract viewed = 1209 times
PDF downloaded = 1083 times
