Mengenal Asuransi Syariah Dari Sejarah, Dasar Hukum Sampai Akad Transaksi

Abstract

The development of sharia-based insurance is very closely followed by people's understanding of the sharia insurance contract, the position of the parties in the sharia insurance so that each of interest group get legal protection. The legal protection is expected to provide the values of truth, order, justice and benefit both sides party. Sharia insurance or takaful is basically ta’awun agreement between insurance participant and group of people. The aim is to guarantee and protect each other in dealing with the effects of a particular event is not expected that impinge on other participants. Insurance history has existed since the time of BCE and occurs at the time of ancient Egypt that is at the discretion of the Prophet Yusuf. But the existence of Islamic insurance in Indonesia is too late. Takaful in Muslim-majority country has existed since 1979, even with the non-Muslim majority states Indonesia defeated first. For example, in Luxemburg Takaful insurance evolved since 1983. Meanwhile, in Indonesia Islamic insurance start operating in 1995. The contract of sharia insurance is implemented by combining several contracts, namely mudharabah, tabarru, wakalah and hibah in one treaty. At glance, conventional and sharia insurance will appear same. But, in fact it is different. The difference consists in the legal foundation, management, accounting systems, operations and company culture. Keywords: Sharia Insurance, Contract of Kafalah, Conventional Insurance

What Drives People's Interest in Sharia Insurance? Evidence From Palangka Raya

“…Landasan hukum asuransi syariah adalah syariat Islam (Asril, 2019), yang bersumber dari pengambilan hukum praktik asuransi syariah. Karena sejak awal asuransi syariah dimaknai sebagai wujud dari bisnis pertanggungan yang didasari pada nilai-nilai yang ada dalam ajaran Islam, yakni Al-Quran dan As-Sunnah, serta pendapat ulama fiqh yang tertuang dalam karya-karya nya (Ulum, 2017 Ayat ini menganjurkan tolong-menolong dalam kebaikan dan ketaqwaan. Salah satu bentuk tolong menolong dalam kebaikan dan ketaqwaan adalah bergotong royong menyumbangkan sejumlah dana melalui asuransi, untuk membantu sesama anggota yang membutuhkannya (Suhardih, 2018 Ayat ini dapat menjadi dasar rekomendasi agar setiap orang mempersiapkan diri sebaik-baiknya menghadapi situasi di masa depan yang tidak dapat diprediksi dan tidak diketahui sama sekali.…”