Mengenal Asuransi Syariah Dari Sejarah, Dasar Hukum Sampai Akad Transaksi
DOI:
https://doi.org/10.30736/jesa.v2i1.17Abstract
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.
Â
Keywords: Sharia Insurance, Contract of Kafalah, Conventional InsuranceReferences
al-Bukhari, Muhammad ibn Isma’il. S}ah}i>h al-Bukha>ri. Damaskus: Da>r Thauq al-Naja>h, 1422H.
al-Fayyumy, Ahmad ibn Muhammad ibn ‘Ali. al-Mis}ba>h} al-Muni>r. Bairut: al-Maktabah al-‘Ilmiyyah, t.th.
al-Hakim, Imam. al-Mustadrak ‘ala> al-S}ah}i>h}ain. Beirut: Da>r al-Kutub al-‘Ilmiyyah, 1990.
al-Humaidy, Muhammad ibn Futuh. al-Jam’u baina al-S}ah}i>h}ain, juz 1. Bairut: Da>r al-Nas}r, 2002.
al-Murtadha, Ahmad ibn Yahya. al-Bah}r al-Zakha>r. Bairut: Muassasah al-Risa>lah, t.th.
al-Turmudhy, Imam. Sunan al-Turmu>dhi. Beirut: Da>r al-Kutub al-‘Ilmiyyah, t.th.
Ali, AM. Hasan. Masail Fiqhiyah: Zakat, Pajak, Asuransi dan Lembaga Keuangan. Jakarta: PT. Raja Grafindo Persada, 2003.
________. Asuransi Dalam Perspektif Hukum Islam. Jakarta: Kencana, 2004.
Darmawi, Herman. Manajemen Asuransi. Jakarta: Bumi Aksara, 2011.
Djamil, Fathurrahman. Metode Ijtihad Majelis Tarjih Muhammadiyah. Jakarta: Logos, 1995.
Khallaf, Abdul Wahhab. Ilmu Ushul Fiqh, terj. Faiz el-Muttaqin. Jakarta: PT. Raja Grafindo Press, 2003.
________. Kaidah-kaidah Hukum Islam, terj. Talhah Mansyur. Jakarta: PT. Raja Grafindo Persada, 2000.
Muslehuddin, Muhammad. Menggugat Asuransi Modern. Jakarta: Lentera, 1999.
Novia, Windy. Kamus Ilmiah Populer. Yogyakarta: Wacana Intelektual, 2008.
Suhendi, Hendi dan Deni K Yusuf. Asuransi Takaful dari Teoritis Ke Praktik. Bandung: Mimbar Pustaka, 2005.
Sumanto, Agus Edi. Solusi Berasuransi: Lebih Indah dengan Syari’ah. Solo: Salamadani Pustaka Semesta, 2009.
Undang-Undang Republik Indonesia Nomor 40 Tahun 2014 Tentang Perasuransian.
Undang-Undang Republik Indonesia Nomor 2 Tahun 1992 Tentang Usaha Perasuransian.
Untara, Wahyu. Kamus Inggris-Indonesia Indonesia–Inggris. Yogyakarta: Indonesia Tera, 2014.
Wirdyaningsih, et. all. Bank dan Asuransi Islam di Indonesia. Jakarta: Kencana-Predana Media Group, 2005.
Zahro, Ahmad. Tradisi Intelektual NU; Lajnah Bahtsul Masa’il 1926-1999. Yogyakarta: LKiS, 2004.
Downloads
Published
How to Cite
Issue
Section
License
Copyright Notice
Authors who publish with this journal agree to the following terms:
- Copyright on any article is retained by the author(s).
- The author grants the journal, right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
- The article and any associated published material is distributed under the Creative Commons Attribution-ShareAlike 4.0 International License
