SHAHIH: Journal of Islamicate Multidisciplinary
Full Lenght Article
Anatomi Akad Asuransi Syariah dalam Perspektif Fatwa Dewan Syariah Nasional (Studi Kasus Produk Mitra Iqra AJB Bumiputera Cabang Syariah Surakarta)
Abstract
Standard contracts in sharia insurance products must be adjusted to the fatwa of the Sharia Council of the Indonesian Ulema Council (DSN-MUI). The fatwa becomes a reference for determining the condition of insurance institutions in Indonesia. This study aims to analyze the insurance contract on the Mitra Iqra Plus product at AJB Bumiputera 1912, the Surakarta Sharia Branch office against the conformity of sharia principles based on the DSN-MUI Fatwa. The method used is a descriptive qualitative approach and juridical-normative analysis. The findings of interview, observation, and documentation data show that the standard contract applied in the policy is in accordance with sharia principles. Explanation of the flow and process of the contract is conveyed in a sales aid designed to maintain the principle of transparency. The policy analysis shows that there are articles related to the understanding between the parties regarding the three contracts. First, the tabarru 'contract is used to pay members' claims. Second, the mudharabah contract is used for managing investment funds. Third, the wakalah bil ujrah-muqayyadah contract is used for the power of management of the entire fund by the insurance company. The principle of taradhin (willingness) is carried out by giving a tempo to understand the policy before signing it. In conclusion, it is necessary to specifically mention the terms of the mudharabah musytarakah contract in the policy. The basis for the provisions is fatwa Number 51 / DSN-MUI / III / 2006 which regulates the management of investment funds, as a form of clarity that the investment capital that is managed comes from funds owned by the company and owned by members.
Keywords
Declarations
Publisher's Note
UIN Raden Mas Said Surakarta remains neutral with regard to jurisdictional claims in published maps and institutional affiliations.
References
Abubakar, L., & Sukmadilaga, C. (2017). Implementasi Kepatuhan Terhadap Prinsip Syariah Melalui Penggunaan Polis Standar Dalam Asuransi Syariah. Rechtidee, 12(1), 107–133. http://marefateadyan.nashriyat.ir/node/150
Al-Zuhaily, W. (1989). al-Fiqh al-Islamiy wa Adillatuhu. Juz VII, Damsyiq: Dar Al-Fikr.
Al Arif, M. N. R. (2012). Lembaga Keuangan Syariah: Suatu Kajian Teoretis Praktis. Pustaka Setia.
Ali, A. M. H. (2009). Asuransi dalam perspektif Islam. Jurnal Al-Mizan: Jurnal Hukum Dan Ekonomi Islam, 1(2), 109–224.
Anwar, S. (2010). Hukum Perjanjian Syariah: Studi tentang Teori Akad dalam Fikih Muamalat. PT RajaGrafindo Persada.
Billah, M. M. (2010). Kontekstualisasi Takaful dalam Asuransi Modern: Tinjauan Hukum dan Praktik. Alih Bahasa: Suparto, Malaysia: Sweet & Maxwell Asia.
Cahyadi, W., Mukhlisin, M., & Pramono, S. E. (2020). Pengaruh Dukungan Manajemen Puncak Terhadap Kualitas Sistem Informasi Akuntansi Pada Perusahaan Asuransi Syariah. JURNAL AKUNTANSI DAN BISNIS : Jurnal Program Studi Akuntansi, 6(1), 66–76. https://doi.org/10.31289/jab.v6i1.2995
Djamil, F. (2012). Penerapan Hukum Perjanjian dalam Transaksi di Lembaga Keuangan Syariah. Sinar Grafika.
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. https://doi.org/10.30595/jhes.v2i1.4416
Hariyadi, E., & Triyanto, A. (2020). Peran Agen Asuransi Syariah Dalam Meningkatkan Pemahaman Masyarakat Tentang Asuransi Syariah. Jurnal Ekonomi Dan Perbankan Syariah, 5(1), 19–38. https://doi.org/10.46899/jeps.v5i1.164
Hartadi, D. (2015). Wawancara AJB Bumiputera 1912 Cabang Syariah Surakarta.
Iqbal, M. (2006). Asuransi Umum Syariah Dalam Praktik: Upaya Menghilangkan Gharar, Maisir, dan Riba. Gema Insani.
Marimin, A. (2019). Maqashid Kajian Asuransi Syariah. Jurnal Education and Economics (JEE), 02(03), 261–269.
Pedoman Umum Asuransi Syariah, Pub. L. No. 21/DSN-MUI/X/2001 (2001).
Akad Mudharabah Musytarakah dalam Asuransi Syariah, Pub. L. No. 51/DSN-MUI/III/2006 (2006).
Tabarru’ dalam Asuransi Syariah, Pub. L. No. 53/DSN-MUI/III/2006 (2006).
Wakalah bil Ujrah pada Asuransi Syariah dan Reasuransi, Pub. L. No. 52/DSN-MUI/III/2006 (2006).
Pengembalian Dana Tabarru’ bagi Peserta Asuransi yang Berhenti sebelum Perjanjian Berakhir, (2011).
Noor, A. B., & Zakaria, M. S. (2010). Takaful: Analisis Terhadap Konsep dan Akad. Jurnal Muamalat, 3, 1–23.
Prodjodikoro, W. (1991). Hukum Asuransi di Indonesia (10th ed.). Intermasa.
Purnomo, A. (2017). Analisis Pembayaran Premi Dalam Asuransi Syariah. Al-Uqud : Journal of Islamic Economics, 1(1), 27. https://doi.org/10.26740/jie.v1n1.p27-40
Soemitra, A. (2017). Bank & Lembaga Keuangan Syariah. Prenada Media.
Sumanto, A.E., E. Priarto., M. Zamachsyari, P. Trihadi, R. Asmuji, R. M. (2009). Berasuransi : LebihIndah dengan Syariah. PT. Karya Kita.
Sunarsih, S., & Fitriyani, F. (2018). Analisis efisiensi asuransi syariah di Indonesia tahun 2014-2016 dengan metode Data Envelopment Analysis (DEA). Jurnal Ekonomi & Keuangan Islam, 4(1), 9–21. https://doi.org/10.20885/jeki.vol4.iss1.art2
Suripto, T., & Salam, A. (2018). Analisa Penerapan Prinsip Syariah dalam Asuransi. JESI (Jurnal Ekonomi Syariah Indonesia), 7(2), 128. https://doi.org/10.21927/jesi.2017.7(2).128-137
Bibliographic Information
