IMPLEMENTATION OF DSN-MUI FATWA ON SHARIA INSURANCE PRODUCTS AT PT. ASURANSI TAKAFUL PALEMBANG BRANCH

Ulil Amri, Anggita Dwi Hanum, M Iqbal

Abstract


Insurance problems do not only stop at transactions, but also at investments. Most of the insurance purchased by the public is actually insurance that contains maysir, gharar, and usury. This means that the money received from the investment received by the customer is also not maintained as halal. It is different from investing in Sharia insurance because there is a Sharia Supervisory Board which ensures that all insurance mechanisms and investment allocations do not conflict with Sharia law. Sharia Insurance Companies are entrusted by the participants to manage premiums, develop in a lawful way, provide compensation to those who experience disasters according to the contents of the agreed agreement deed, based on the characteristics of takafuli, tabarru and mudharabah.This study aims to analyze how the implementation of the DSN-MUI fatwa regarding general guidelines for sharia insurance at PT Asuransu Takaful.This study uses a Qualitative Approach that is related to phenomena that refer to the actions of economic actors, namely humans who act around economic phenomena as well as in consumption, production and distribution with all kinds of transaction derivatives and their interactions. The research results show thattabarru funds that has been collected is managed by the company on the basis of wakalah through insurance invested in various sharia investment instruments so that the funds are more productive. The results of the tabarru' investment are actually purely the rights of the participants, while the insurance company can obtain profit sharing from the investment through a tijarah contract. Companies can also benefit from wakalah bil ujrah contracts. This is in accordance with the DSN MUI fatwa No.DSN-MUI No.21/DSN-MUI/X of 2001 concerning General Guidelines for Sharia Insurance

Keywords


Sharia Insurance, DSN-MUI Fatwa, Tabarru’, Tijarah

Full Text:

PDF

References


Abdul Aziz Dahlan, et al. (2004). Ensiklopedia Hukum Islam, Cet.4. Ichtiar Baru van Hoeve.

Abdulah, J. (2018). Akad-Akad dalam Asuransi Syariah. Journal of Shariah Economic Law, 1(1).

Al-Misri, A. al-sami’. (1993). Perniagaan Dalam Islam,Terj. Ahmad Haji Abdullah. Dewan Bahasa dan Pustaka.

Anshori, A. G. (2007). Asuransi Syariah di Indonesia, Regulasi dan Operasionalisasinya di dalam Kerangka Hukum Positif di Indonesia. UII Press.

Basyir, A. A. (1993). Asuransi Takaful sebagai Suatu Alternatif. TEPATI.

Ekonomi, W. (2021). Marak Kasus Gagal Bayar, Lembaga Penjamin Polis Didorong. Www.Wartaekonomi.Co.Id. https://wartaekonomi.co.id/read327693/marak-kasus-gagal-bayar-asuransi-lembaga-penjamin-polis-didorong

Fadilah, A., & Makhrus, M. (2019). Pengelolaan Dana Tabarru’ pada Asuransi Syariah dan Relasinya dengan Fatwa Dewan Syariah Nasional. Jurnal Hukum Ekonomi Syariah, 2(1), 87–103.

Faozi, M. M. (2016). Manajemen Dana Tabarru’ pada Asuransi Takaful Cabang Cirebon. Jurnal Al-Mustashfa, 4(2).

Hanafi, S. M. (2013). Bukti Empiris Nilai Ekonomik pada Pengumuman Daftar Efek Syariah (DES) di Indonesia. Asy-Syir’ah Jurnal Ilmu Syari’ah Dan Hukum, 47(1).

Hasan, I. (2002). Pokok-Pokok Materi Metodologi Penelitian dan Aplikasinya. Ghalia Indonesia.

Hasan, N. I. (2014). Pengantar Asuransi Syariah. Referensi.

Hisan, H. H. (n.d.). Asy-Syari’ah Al-Islamiyah fi ‘Uqudi At-Ta’min. Darul I’tisham.

Indonesia, C. (2021). Kasus Gagal Bayar pada 5 Asuransi ini Bikin Nasabah Teriak. Www.Cnbcindonesia.Com. https://www.cnbcindonesia.com/market/20200816100319-17-180132/kacau-gagal-bayar-5-asuransi-ini-bikin-nasabah-teriak

Interview Results with Nazarudin Nizar, from PT. Takaful Insurance Palembang Branch. (n.d.).

Karim, A. (2004). Bank Islam : Analisis Fiqh dan Keuangan, Cet. Ke-2. Raja Grafindo Persada.

Kencana, U. (2016). Pengembangan Wakaf Uang di Indonesia Studi Kritis Peraturan Perundang-undangan Wakaf Dalam Rangka Kemaslahatan Masyarakat yang Berkelajutan. Al-Awqaf: Jurnal Wakaf Dan Ekonomi Islam, 9(2), 93–112.

Leksono, S. (2013). Penelitian Kualitatif Ilmu Ekonomi dari Metodologi ke Metode. Rajawali Pers.

Rohmah, W., & Abidin, Z. (2017). Studi Komparatif Asuransi Syariah dan Asuransi Konvensional Dalam Perspektif Hukum Islam. AL MUNAZHZHARAH, 1(1), 22–35.

S, B. (2010). Aspek Hukum Lembaga Keuangan Syariah (G. Ilmu (Ed.)).

Salamon, H. (1999). Kearah Merealisasikan Konsep Takaful dalam Pelaksanaan Sistem Muamalah Islam di Malaysia, dalam Sains Mumalah Islam di Malaysia. UTM.

Sholihin, A. I. (2010). Buku Pintar Ekonomi Syariah. PT. Gramedia Pustaka Utama.

Siddiqi, M. N. (1981). Muslim Economic Thinking a Survey of Contemporary Literature. The Islamic Foundation.

Sula, M. S. (2004). Asuransi Syariah Life and General. Gema Insani.

Tahir, H. M. (1997). Al Mudharabah, Hukum dan Pelaksaannya dalam Syarikat Al-Takaful, dalam Isu Syariah dan Undang-Undang (Seri 3). Pusat Teknologi Pendidikan UKM.

Vardiansyah, D. (2008). Jurnal Filsafat Ilmu Komunikasi: : Suatu Pengantar. Indeks.




DOI: http://dx.doi.org/10.15548/jebi.v7i2.267

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

 

View My Stats