Sejarah, Prinsip, dan Perbedaan Antara Asuransi Takaful/Asuransi Syari’ah dan Asuransi Konvensional

  • Indra Hidayatullah Institut Agama Islam Syarifuddin Lumajang

Abstract

The phenomenon of insurance actually arising from a group of people who are determined to establish a social gathering in order to alleviate the financial burden between them, as well as to avoid any financing difficulties they face.

Currently the demand for insurance services is increasing perceived both by the households, businesses, and government. Such insurance is required as a means to face the risk of a more complex and varied. The danger that is feared that among others include: loss, damage, theft, fire, accident, illness, or even death.

But a lot of variety and types of insurance that exist so that we sometimes confused and incorrect perception of where Islamic/Sharia and which are non-Islamic or even identical to the conventional? not least because of the type of insurance that is allegedly containing gharar/speculation, maisyir/chancy, usury, gambling and exploitation (often there is an imbalance between the value of the premiums and compensation), as well as their freedom of investment in the sectors of immoral and usury. Takaful insurance is insurance that are developed with a system of mutual risk sharing among members in a way each spend tabarru, namely outright funds paid for the purpose of bearing one another among members.

Downloads

Download data is not yet available.

References

Abdul Wahab, Muhbib. Asuransi Dalam Perospektif Al-Qur’an dan Al-Hadits, Jakarta: Konrad Adenaver Stiftung, 2003.
Abu Zaid, Muhammad abdul Mun'im, Al-Daman Fi Fiqh al-Kalamy Wa Tarbiqatih Fi al-Marorif al-Islamyah. Kairo: al-Ma'had al-'Alamy Li al-Fikr al-Islamy, 1996.
Affandi, Mohamed, Islam dan Business, Selangor: Pelanduk Publication, 2002
Agama, Departemen, Al-Qur’an dan Terjemahnya. Semarang: Toha Putra, 1974.
Antonio, Muh. Syafi'i, Syariah dari Teori Ke Praktik, Jakarta: Gema Insani Press, 2003
Ahmad, Zainal Abidin, Ushul Fiqih, Jakarta : Bulan Bintang, 1975.
Bahreisy, Husein, Himpunan Hadits Shahih Muslim, Surabaya: al-Ikhlas, 1987.
Jaziry, al-Abd-Rahman, Al-Fiqh 'Ala Madzhabib Al-Arba'ah, Beirut: Dar al-Fikr, t.t.
Katsir, Ibn, Tafsir Al-Qur’an Al-Karim, Mesir: Isa al-Baby al-Hlaby, t.t.
Kholaf, Abdul Wahab, Ilmu 'Ushul Al-Fiqh, Kairo: Dar al-Qalam, 1978.
Sholahudin, Muhammad, Lembaga Ekonomi dan Keuangan Islam, Surakarta: Muhammadiyah University Press, 2006.
Zahrah, Muhammad Abu, Ushul al-Fiqh, Kairo: Dar al-Fikr, al 'Araby, 1985.
Published
2016-10-30
How to Cite
HIDAYATULLAH, Indra. Sejarah, Prinsip, dan Perbedaan Antara Asuransi Takaful/Asuransi Syari’ah dan Asuransi Konvensional. IQTISHODUNA: Jurnal Ekonomi Islam, [S.l.], v. 5, n. 2, p. 28-44, oct. 2016. ISSN 2443-0056. Available at: <https://ejournal.iaisyarifuddin.ac.id/index.php/iqtishoduna/article/view/144>. Date accessed: 30 nov. 2021.
Section
Artikel

Keywords

Sharia Insurance, Conventional Insurance