Indonesia is a country where the majority of the population is Muslim. But the development of new products developed with the principles of Sharia about 3-4 years, including the Islamic insurance products.
After the start of syariah-based insurance company different from working on the creation of the Division of Sharia. With the development of products based on sharia, we see the need to introduce Islamic law in certain insurance products.
Before the principles and mechanisms of these products, many Muslims believe that insurance is haram. Is that true? Discuss below.
Insurance is not Islamic?
Some Islamic parties assume that the same safe and qodlo Qadar, or conflict with the target. In principle, recognizes Islam as injuries, bad luck, fate and death of God, this can not be rejected. Only we humans are also needed to make plans for the future. Allah says in Sura Al Hasyr: 18
"O ye who believe! Bertaqwalah God, and let every soul look to tomorrow (future act) and God bertaqwalah. Allah is really what they think."
Sure Dipertintahkan this section, we propose that for the future.
The Quran describes the letters Yusuf :43-49, God as the human effort, a system to protect the ability to make a bad future needs. In short, this verse speaks of the Egyptian king questions his dream with the Prophet Joseph. Where is the king of Egypt had a dream, he saw seven fat cows eaten by a girl of seven lean years, and saw seven ears of corn and seven ears of green fruit, the red is crazy.
The Prophet Joseph Smith, in this case, the answer is that you have to increase to seven years and the results should be stored in one section. So for the next seven years, very hard to spend what you save to skill levels menghadapapi these difficult times, but some of it is stored.
Very clear in this verse, we are encouraged to try to maintain the continuity of life with the possibility of mast meproteksi poor. And it is clear that the paragraph above is recommended berasurnasi conflict with fate, God, the existence of an effort to plan ahead with sisitem security mechanism in the insurance sector is to be known.
Thus, if the system or the insurance protection is warranted, the next question, as we now know the insurance companies (conventional insurance), other requirements are met in the concept of Islamic Muamalat. In the traditional insurance mechanism, especially life insurance, there are at least three things that are still prohibited by the researchers, namely: there is an element of Ghar (unclear) element of maize (the game) and Riba (interest) . These will be described in detail the differences between penjelasaan conventional and Islamic insurance.
conventional and Islamic insurance
Islamic insurance and traditional insurance has the same objective, the management or reduce risks. The fundamental difference between the two is how the management of insurance risk management of traditional forms of risk transfer participants' insurance (risk transfer), while the principles of Islamic life can be achieved through sharing of risk among participating life insurance (risk-sharing to help).
Besides differences in risk management, there are differences in how to deal with the savings element of insurance products. Managing Insurance embrace Sharia Islamic investment products with free ribawi
In detail the differences between Islamic life insurance and life insurance can be seen in the conventional description of the following:
Pact or treaty
Clearly the contract or agreement in place muamalah good start, because determining whether the Sharia. The contract between the participants with an insurance company. Conventional insurance policies with the implementation of Sharia law is the contract (tabaduli).
In this contract, the conditions for the sale and purchase agreement to be fulfilled. Ketidakjelasaan applications, a premium because they die in the age group that only God knows when we take a normal insurance, which is like Ghar-ketidakjelasaan contract under an agreement on exchange of goods are known in conventional insurance must be paid, is legally incorrect in practice
Thus, used in insurance policies of Islamic life, instead of the sales contract, but you can help (takaful). Sun Life Sharia used, which means that a contract can be interpreted as tabarru alms or donations. This contract is valid and authorized alternative currency to break with a practice that is forbidden in conventional insurance.
The objective of the Fund tabarru is a force to raise funds for the sincere intention to help each other with another participant, enter, if such insurance exists by chance. Tabarru khsusus Therefore funds held in an account as it runs the risk of success, said the funds from the account is tabarru Fund, which has been provided to all participants for the interest of the contribution.
Al-Mudharabah contracts
Explanation of the above, if the contract is tabarru 'with a prize purse, when the accident happened. While the share of life insurance may also be possible cost savings. In Islamic insurance, savings or investments, according to sharia.
In this case, the investment pattern of results the only character that the insurance company has collected the money given by the participants. Technically, al-mudaraba a cooperation agreement between the two parties in which activities the first part, full (100 percent) of the capital, while others are leaders.
income mudaraba contract, divided as to the contract, while the damage is borne by owners of capital over the damage was not due to negligence of the operator. If losses due to fraud or kelalian leader, as president of responsibility for these losses.
Disepkati sharing contract first, then if there is profit, the division to follow the contract for these results. Suppose a contract for the result of 60-40 in which participants had 60 percent of the profits of insurance companies received 40 percent of profits.
In terms of investment, which is an element of insurance premiums, must comply with Islamic sharia law, have no awareness of what is commonly called usury. All insurance companies invest the funds with the conventional mechanism of interest.
With conventional insurance so hard to prevent interest rates. While Islamic insurance save Daoli to raise funds in various investments in the system based on Islamic Sharia law to invest mudaraba.
Svidd Fund
Health insurance known conventional charred, where participants will not be paying additional premiums and wanted to retire early. Even life savings nontraditional insurance (with no savings element) or life if discharged MSA contracts and requirements does not occur, so that insurance premiums paid by charred or the profits of insurance companies.
The concept of Islamic insurance, the mechanism is not familiar with the funds. New participants added, even if for some reason he wanted to resign, then the funds or premiums paid can be withdrawn early, but a small part of the tabarru for Financial Affairs, which is not recovered.
So with the Islamic insurance in general, if the contract has expired and not claim happens, say the company, part of the prize with the system of revenue sharing, return 60:40 or 70:30, after the contractual arrangements in advance. In this case, it is very likely, the premiums are paid earlier this year can be harvested and the amount depends largely on the level of investment this year.
Shariah insurance benefit
alterntif Islamic insurance option for Muslims, the products aim to satisfy Islamic law. This product can also be identified as an alternative to other denominations, the Islamic concept of justice for them. Sharia is a principle or a system that had a universal character, which can be used by all stakeholders. A quick overview of insurance. Fortunately, write, add insight and knowledge.
Islamic philosophy
Islamic economic philosophy Adiwarman Karim, which consists of four things: first, the principle of Tawhid, and that's where we think it is kemahaesaan and omnipotence of Allah SWT organize everything, including the mechanism of acquisition Rizki. Once all activities, including the economy, as a form of slavery to God Almighty should be implemented in its entirety.
Secondly, the principle of fairness and balance, which is the foundation for the welfare of the people. Therefore, any economic activity is increasingly in the halls of justice and balance. Then
The third is freedom. This means that each person has the freedom to do different sectors together, there is no provision which God has forbidden.
Furthermore, the fourth of clear responsibilities. This means that men who take full responsibility for all decisions were taken to Bear
After the start of syariah-based insurance company different from working on the creation of the Division of Sharia. With the development of products based on sharia, we see the need to introduce Islamic law in certain insurance products.
Before the principles and mechanisms of these products, many Muslims believe that insurance is haram. Is that true? Discuss below.
Insurance is not Islamic?
Some Islamic parties assume that the same safe and qodlo Qadar, or conflict with the target. In principle, recognizes Islam as injuries, bad luck, fate and death of God, this can not be rejected. Only we humans are also needed to make plans for the future. Allah says in Sura Al Hasyr: 18
"O ye who believe! Bertaqwalah God, and let every soul look to tomorrow (future act) and God bertaqwalah. Allah is really what they think."
Sure Dipertintahkan this section, we propose that for the future.
The Quran describes the letters Yusuf :43-49, God as the human effort, a system to protect the ability to make a bad future needs. In short, this verse speaks of the Egyptian king questions his dream with the Prophet Joseph. Where is the king of Egypt had a dream, he saw seven fat cows eaten by a girl of seven lean years, and saw seven ears of corn and seven ears of green fruit, the red is crazy.
The Prophet Joseph Smith, in this case, the answer is that you have to increase to seven years and the results should be stored in one section. So for the next seven years, very hard to spend what you save to skill levels menghadapapi these difficult times, but some of it is stored.
Very clear in this verse, we are encouraged to try to maintain the continuity of life with the possibility of mast meproteksi poor. And it is clear that the paragraph above is recommended berasurnasi conflict with fate, God, the existence of an effort to plan ahead with sisitem security mechanism in the insurance sector is to be known.
Thus, if the system or the insurance protection is warranted, the next question, as we now know the insurance companies (conventional insurance), other requirements are met in the concept of Islamic Muamalat. In the traditional insurance mechanism, especially life insurance, there are at least three things that are still prohibited by the researchers, namely: there is an element of Ghar (unclear) element of maize (the game) and Riba (interest) . These will be described in detail the differences between penjelasaan conventional and Islamic insurance.
conventional and Islamic insurance
Islamic insurance and traditional insurance has the same objective, the management or reduce risks. The fundamental difference between the two is how the management of insurance risk management of traditional forms of risk transfer participants' insurance (risk transfer), while the principles of Islamic life can be achieved through sharing of risk among participating life insurance (risk-sharing to help).
Besides differences in risk management, there are differences in how to deal with the savings element of insurance products. Managing Insurance embrace Sharia Islamic investment products with free ribawi
In detail the differences between Islamic life insurance and life insurance can be seen in the conventional description of the following:
Pact or treaty
Clearly the contract or agreement in place muamalah good start, because determining whether the Sharia. The contract between the participants with an insurance company. Conventional insurance policies with the implementation of Sharia law is the contract (tabaduli).
In this contract, the conditions for the sale and purchase agreement to be fulfilled. Ketidakjelasaan applications, a premium because they die in the age group that only God knows when we take a normal insurance, which is like Ghar-ketidakjelasaan contract under an agreement on exchange of goods are known in conventional insurance must be paid, is legally incorrect in practice
Thus, used in insurance policies of Islamic life, instead of the sales contract, but you can help (takaful). Sun Life Sharia used, which means that a contract can be interpreted as tabarru alms or donations. This contract is valid and authorized alternative currency to break with a practice that is forbidden in conventional insurance.
The objective of the Fund tabarru is a force to raise funds for the sincere intention to help each other with another participant, enter, if such insurance exists by chance. Tabarru khsusus Therefore funds held in an account as it runs the risk of success, said the funds from the account is tabarru Fund, which has been provided to all participants for the interest of the contribution.
Al-Mudharabah contracts
Explanation of the above, if the contract is tabarru 'with a prize purse, when the accident happened. While the share of life insurance may also be possible cost savings. In Islamic insurance, savings or investments, according to sharia.
In this case, the investment pattern of results the only character that the insurance company has collected the money given by the participants. Technically, al-mudaraba a cooperation agreement between the two parties in which activities the first part, full (100 percent) of the capital, while others are leaders.
income mudaraba contract, divided as to the contract, while the damage is borne by owners of capital over the damage was not due to negligence of the operator. If losses due to fraud or kelalian leader, as president of responsibility for these losses.
Disepkati sharing contract first, then if there is profit, the division to follow the contract for these results. Suppose a contract for the result of 60-40 in which participants had 60 percent of the profits of insurance companies received 40 percent of profits.
In terms of investment, which is an element of insurance premiums, must comply with Islamic sharia law, have no awareness of what is commonly called usury. All insurance companies invest the funds with the conventional mechanism of interest.
With conventional insurance so hard to prevent interest rates. While Islamic insurance save Daoli to raise funds in various investments in the system based on Islamic Sharia law to invest mudaraba.
Svidd Fund
Health insurance known conventional charred, where participants will not be paying additional premiums and wanted to retire early. Even life savings nontraditional insurance (with no savings element) or life if discharged MSA contracts and requirements does not occur, so that insurance premiums paid by charred or the profits of insurance companies.
The concept of Islamic insurance, the mechanism is not familiar with the funds. New participants added, even if for some reason he wanted to resign, then the funds or premiums paid can be withdrawn early, but a small part of the tabarru for Financial Affairs, which is not recovered.
So with the Islamic insurance in general, if the contract has expired and not claim happens, say the company, part of the prize with the system of revenue sharing, return 60:40 or 70:30, after the contractual arrangements in advance. In this case, it is very likely, the premiums are paid earlier this year can be harvested and the amount depends largely on the level of investment this year.
Shariah insurance benefit
alterntif Islamic insurance option for Muslims, the products aim to satisfy Islamic law. This product can also be identified as an alternative to other denominations, the Islamic concept of justice for them. Sharia is a principle or a system that had a universal character, which can be used by all stakeholders. A quick overview of insurance. Fortunately, write, add insight and knowledge.
Islamic philosophy
Islamic economic philosophy Adiwarman Karim, which consists of four things: first, the principle of Tawhid, and that's where we think it is kemahaesaan and omnipotence of Allah SWT organize everything, including the mechanism of acquisition Rizki. Once all activities, including the economy, as a form of slavery to God Almighty should be implemented in its entirety.
Secondly, the principle of fairness and balance, which is the foundation for the welfare of the people. Therefore, any economic activity is increasingly in the halls of justice and balance. Then
The third is freedom. This means that each person has the freedom to do different sectors together, there is no provision which God has forbidden.
Furthermore, the fourth of clear responsibilities. This means that men who take full responsibility for all decisions were taken to Bear