Akad-Akad di dalam Asuransi Syariah

Junaidi Abdullah

Abstract


Human life is full of risks. There is a risk of loss, accident and even the risk of death. To prepare for these risks, a sense of security is needed through coverage.

These coverage is through Islamic insurance. Sharia Insurance (Ta'min, Takaful or Tadhamun) is an effort to protect and help one another among a number of people / parties through investments in the form of assets and / or tabarru 'which provide a pattern of return to face certain risks through an appropriate contract (agreement) with sharia.

The contracts that are attached to Islamic insurance are the contract of contract and tabarru 'contract, while the contract that follows the contract of tijarah and the tabarru contract is the Mudharabah Musytarakah agreement, Mudharabah agreement and Wakalah bil Ujrah agreement.


Keywords


Insurance, Contract

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References


Fatwa DSN No. 21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syari'ah

Fatwa Dewan Syariah Nasional No: 51/DSN-MUI/III/2006 Tentang Akad Mudharabah Musytarakah Pada Asuransi Syariah

Fatwa Dewan Syari’ah Nasional No: 52/DSN-MUI/III/2006Tentang Akad Wakalah Bil Ujrah Pada Asuransi Syari’ah Dan Reasuransi Syari’ah

Fatwa Dewan Syari’ah Nasional No: 53/DSN-MUI/III/2006 Tentang Akad Tabarru’Pada Asuransi Syari’ah

Hasan Ali, 2004, Asuransi dalam Perspektif Hukum Islam, Kencana, Jakarta.

Muhammad Syakir Sula, 2004, Asuransi Syari'ah; Konsep dan Sistem Operasional, Gema Insani, Jakarta

Peraturan Menteri Keuangan Nomor 18/PMK.010/2010 Tentaang Penerapan Prinsip Dasar Penyelenggaraan Usaha Asuransi Dan Usaha Reasuransi dengan Prinsip Syariah

Undang Undang Nomor 40 tahun 2014 tentang Perasuransian.




DOI: http://dx.doi.org/10.21043/tawazun.v1i1.4700

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