The basic concept of the insurance is because people need protection against any incident that occurs in the community such as illness and natural disasters. The article 14 In Law No. 2 of 1992 on Insurance, that social insurance is a type of insurance to the implemented by the government for public welfare. The current population is Moslem Indonesia reached 80%, therefore, the Indonesian Muslim community needs the systema syariah social insurance. The system of syariah social insurance where there are 2 (two) products, where there are participants and savings accounts tabarru’ and as managers by the BUMN (state corporation) in law No. 2 of 1992 on Insurance.DOI: 10.15408/ajis.v15i1.2854
<span>The purpose of this research is to identify and analyze Covid-19 as a form of comparative advantage and the consequences of the advantage method in loan agreements and loan termination policies due to the Covid-19 pandemic. The research method is norm-law. It is a legal research method that examines and studies the provisions of legislation as a basis for subsequent analysis of the issues discussed. The research uses primary and secondary legal material for analysis through the study of relevant documents and literature. The analysis is a qualitative analysis that addresses the question in question. According to the research, Covid-19 is an unnatural disaster and thus can be classified as a measure of superiority. As a priority relationship, the laws governing the spread of Covid-19 result in a priority relationship with the loan agreement, which means that the debtor must continue to meet his obligations to the debtor even after Covid-19 is over. When it was implemented following POJK 11/2020, the debtor obtained credit relief through restructuring in the form of interest rate cuts, extension of maturity, reduction of funds owed, and interest reduction in arrears according to the restructuring table issued by the bank. After verification and analysis by the bank, the affected debtor Covid- 19</span>
Asuransi syariah (takâful) berdasar pada prinsip saling berbagi tanggung jawab. Berbagi tanggung jawab tersebut melalui premi yang dimiliki oleh masing-masing orang. Dalam prinsip hukum Islam, asuransi merupakan konsep saling membantu antara satu orang dengan yang lainnya tanpa ghurûr dan maysir. Prinsip berbagi tanggung jawab dalam asuransi syariah merupakan tolong menolong dengan dasar-dasar sistem sebagaimana telah ditentukan dalam al-Qur’an dan hadits. Asuransi syariah di Indonesia diatur bersama-sama asuransi konvensional dalam Undang-undang No. 40 Tahun 2014 tentang perasuransian. Kondisi perundang-undangan tentang asuransi syariah yang diintegrasikan dengan asuransi konvensional merupakan kondisi yang tidak ideal mengingat perbedaan-perbedaan prinsipil di antara keduanya. Penerapan asuransi syariah (takâful) tidak semata-mata membutuhkan payung hukum tetapi juga aturan yang jelas dan khas. Selain membahas kedudukan asuransi syariah dalam Undang-undang No. 40 Tahun 2014 Tentang Perasuransian, kajian ini juga membahas asuransi dalam persepktif hukum Islam.(Sharia insurance (takâful) is based on the principle of sharing responsibility. It is done through premiums owned by each party. In the Islamic law principle, insurance constitutes the concept of mutual help between one person and another without ghurûr (deceiving) and maysir (gambling). The principle of sharing responsibility in the sharia insurance is helping each other on the basis of a system as defined in the Qur'an and hadith. Sharia insurance in Indonesia as well as conventional insurance are regulated in Law No. 40/2014 on insurance. The legislation of sharia insurance which is integrated with conventional insurance can be seen as a condition that is not ideal considering the principal differences between the two. The Implementation of sharia insurance (takâful) does not merely require a legal footing but also clear and specific rules. In addition to discussing the status of takâful in the Law No. 40/2014 on insurance, this paper also discusses the insurance in the perspective of Islamic law)
Marriage Law in Indonesia is regulated in Act Number 1 of 1974 concerning Marriage and undergoing changes to Act Number 16 of 2019, which regulates how the norms and principles of marriage are considered and recognized by the Indonesian state. The purpose of marriage in Indonesia as regulated in Act Number 1 of 1974 article 1 states that: "Marriage is an inner and outer bond between a man and a woman as husband and wife with the aim of forming a happy and eternal family (household) based on the Almighty God. one". The problem that arises then is whether the existing and developing customary marriages before the enactment of the Marriage Law can be recognized by the Indonesian state. The types of customary marriages that are not in accordance with the objectives, norms, and principles of marriage according to the Marriage Law are one of them is the Merariq Traditional Marriage Tradition, which from this merariq marriage tradition results in many early marriages or child marriages according to the legal age threshold. Law Number 16 of 2019 which is the main discourse of this study looks at the dimensions of Marriage Law through the eyes of the Merariq Indigenous Marriage of the Sasak Tribe. This study uses a normative juridical approach where this approach is carried out by tracing the norms that live in Indonesian positive law. Whereas the cases raised by merariq traditional marriages have caused many legal problems, furthermore, the high level of child marriage is due to the absence of a social safety net for anyone who wants to carry out a merariq marriage so that there is no legal protection and certainty for the parties to the marriage, especially women who are in a vulnerable position, Therefore, the implementation and enforcement of national marriage law must be considered again in its enforcement and implementation so that there is no legal vacuum where national law is not present in the community.
Abstrak:Asuransi syariah (takâful) berdasar pada prinsip saling berbagi tanggung jawab. Berbagi tanggung jawab tersebut melalui premi yang dimiliki oleh masing-masing orang. Dalam prinsip hukum Islam, asuransi merupakan konsep saling membantu antara satu orang dengan yang lainnya tanpa ghurûr dan maysir. Prinsip berbagi tanggung jawab dalam asuransi syariah merupakan tolong menolong dengan dasar-dasar sistem sebagaimana telah ditentukan dalam alQur'an dan hadits. Asuransi syariah di Indonesia diatur bersamasama asuransi konvensional dalam Undang-undang No. 40 Tahun 2014 tentang perasuransian. Kondisi perundang-undangan tentang asuransi syariah yang diintegrasikan dengan asuransi konvensional merupakan kondisi yang tidak ideal mengingat perbedaan-perbedaan prinsipil di antara keduanya. Penerapan asuransi syariah (takâful) tidak semata-mata membutuhkan payung hukum tetapi juga aturan yang jelas dan khas. Selain membahas kedudukan asuransi syariah dalam Undang-undang No. 40 Tahun 2014 Tentang Perasuransian, kajian ini juga membahas asuransi dalam persepktif hukum Islam. Kata-kata Kunci:Otentisitas Asuransi Syariah, Undang-Undang No. 40 tahun 2014, Wakalah, Hukum Islam Abstract:Sharia insurance (takâful) is based on the principle of sharing responsibility. It is done through premiums owned by each party. In the Islamic law principle, insurance constitutes the concept of mutual help between one person and another without ghurûr (deceiving) and maysir (gambling). The principle of sharing responsibility in the sharia insurance is helping each other on the basis of a system as defined in the Qur'an and hadith. Sharia insurance in Indonesia as well as
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