AKAD-AKAD DALAM ASURANSI SYARIAH
Keywords:
tabarru' contract, tijarah contract, islamic insurance
Abstract
Every transaction contained in Islamic insurance must use the contracts that have been determined. In Islamic insurance, contracts are written agreements that cover all relevant risks and thel obligations andl rights ofl the partiesl in accordancel with Islamic principles. The contract is an important component of the practice of Islamic insurance. Which in the contract is classified into several types, including Tabarrul 'Akad, Tijarahl Akad, Mudharabah Akad, Wakalahl bil Ujrahl Akad, and Mudharabahl Musytarakah lAkad. These contracts are agreements between insurance companies and their client companies that must adhere to sharia principles regarding the prohibition of usury, maysir, and gharar. Tabarru' Akad aims to involve one participant with other participants by providing tabarru' funds which are expected to help each other among insurance participants. While Akad Tijarah is intended for profitability purposes using the mudharabah principle. Therefore, itl is veryl important forl Muslims tol know thel contracts andl mechanisms used by Islamic insurance when conducting transactions for insurance participants. This writing aims to explain the various contracts in Islamic insurance along with the definition ofl these contractsl and theirl application to Islamicl insurance products. This research methodl uses a literature study which takes from several literatures through journals and books.
References
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Hadi Daeng Mapuna, “Asuransi Jiwa Syariah; Konsep dan Sistem Operasionalnya,” Al-Risalah Jurnal Ilmu Syariah dan Hukum 19, no. 1 (August 12, 2019): 159, https://doi.org/10.24252/al-risalah.v19i1.9976.
Fitri Putri and Slamet Haryono, “Determinan Hasil Investasi, Klaim dan Tata Kelola Perusahaan Terhadap Solvabilitas Perusahaan Asuransi Jiwa Shariah di Indonesia,” ILTIZAM Journal of Shariah Economics Research 7, no. 1 (June 21, 2023): 20–34, https://doi.org/10.30631/iltizam.v7i1.1765.
Ilyas, “Studi Komperatif Prinsip Asuransi Jiwa Takaful dan Asuransi Jiwa Konvensional,” Kanun Jurnal Ilmu Hukum, no. 62 (2014): 39–55, https://jurnal.usk.ac.id/kanun/article/download/6017/4955.
Alinolas Cubaim Harahap et al., “Asuransi Dan Investasi Dalam Islam,” Jurnal Ekonomika Dan Bisnis (JEBS) 3, no. 2 (2023): 295–297, https://doi.org/10.47233/jebs.v3i2.826.
Kisanda Midsen and Ali Nur Ahmad, “Hukum Akad dan Investasi pada Asuransi dalam Perspektif Fikih Muamalah,” Jurnal Ilmiah Ekonomi Islam 9, no. 1 (2023): 1104–1117, https://jurnal.stieaas.ac.id/index.php/jie.
Darmawati H, “Akad Dalam Transaksi Ekonomi Syari’ah,” Sulesana 12, no. 2 (2018): 143–167, https://journal.uin-alauddin.ac.id/index.php/sls/article/download/7578/6146.
Dede Abdurohman, “Kontrak/Akad Dalam Keuangan Syariah,” Jurnal Perbankan Syariah 1, no. 1 (2020): 39–58, https://journal.bungabangsacirebon.ac.id/index.php/EcoBankers/article/view/72.
Boni Satria and Samsul Bahry, “Term Tijarah dalam Perspektif al-Qur’an (Studi Tafsir al-Munir),” Thullab: Jurnal Riset Publikasi Mahasiswa 1, no. 2 (2021): 131–147, https://ejournal.iainkerinci.ac.id/index.php/thullab/article/view/1453.
Mashudi Hariyanto, “Konsep Dan Implementasi Mudharabah Dalam Asuransi,” Jurnal Al-Iqtishad: Jurnal Ekonomi Syariah 2, no. 01 (2020): 45–56, https://ejournal.iaiqi.ac.id/index.php/aliqtishad/article/download/319/213.
Ayu Rahmawati, Dr Muhammad Arif Ma, and Nurul Jannah, “Implementasi Akad Mudharabah pada produk Mitra Mabrur Plus: Studi Kasus Asuransi Jiwa Syariah Bumiputera Cabang Medan,” Jurnal Ilmu Komputer, Ekonomi dan Manajemen (JIKEM) 3, no. 1 (2023): 6102–1611, https://ummaspul.e-journal.id/JKM/article/download/5806/2680.
Mariya Ulpah, “Implementasi Akad Tabarru Pada Asuransi Syariah Perspektif Fatwa Dewan Syariah Nasional,” Syar’ie 4, no. 2 (2021): 136–147, https://staibinamadani.ejournal.id/Syarie.
Okta Khusna Aisi, “Prinsip-prinsip dan Sistem Operasionalisasi Produk Non-Saving Pada Asuransi Takaful Umum,” At-Tasyri’: Jurnal Hukum dan Ekonomi Syariah 1, no. 01 (January 5, 2020): 69–83, https://doi.org/10.55380/tasyri.v1i01.23.
Sutrisno and Dwipraptono Agus Harjito, Manajemen Lembaga Keuangan Syariah (Yogyakarta: K-Media, 2020).
Sindi Novita Sari, Sri Sudiarti, and Nurul Jannah, “Analisis Penerapan Akad Mudharabah pada Produk Asuransi Syariah di PT Jasindo Syariah KP Medan,” El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 4, no. 6 (March 1, 2023): 1508–1521, https://doi.org/10.47467/elmal.v4i6.3466.
Destri Budi Nugraheni, “Analisis Yuridis Akad Tabarru’ Dan Akad Tijarah Dalam Produk Unit Link Syariah,” Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada 28, no. 2 (November 27, 2016): 231-215, https://doi.org/10.22146/jmh.16729.
Muhammad Hamdan Ali Masduqie, Istiqom Shinta Hardiyanti, and Afri Suhairi Panjaitan, “Manajemen Risiko Asuransi Syariah: Dasar Hukum, Tahapan Dan Urgensinya,” Yurisprudentia: Jurnal Hukum Ekonomi 9, no. 1 (2023): 22–38, https://jurnal.iain-padangsidimpuan.ac.id/index.php/yurisprudentia/article/viewFile/6846/pdf.
Johan Bhimo Sukoco, “Analisis Kepedulian Masyarakat Terhadap Asuransi Sebagai Mitigasi Resiko Dalam Perlindungan Aset,” MUARA: Jurnal Manajemen Pelayaran Nasional 3, no. 2 (2020): 52–55, https://jurnal.apnsurakarta.ac.id/index.php/muara/article/download/30/42.
Dita Marisa and Atika, “Analisis Faktor Yang Mendorong Nasabah Asuran Membeli Produk Asuransi Pendidikan (PT Asuran Jiwa Syariah Bumiputera Cabang Medan),” Jurnal Ilmu Komputer, Ekonomi Dan Manajemen (JIKEM) 2, no. 1 (2022): 1061–1067, https://jurnal.ulb.ac.id/index.php/JUMSI/article/view/4026.
Moh Muklis Sulaeman et al., Asuransi Syariah (Padang Sumatera Barat: PT Global Eksekutif Teknologi, 2023).
Taufiq Ramadhan, “Akad-Akad Dalam Asuransi Syariah,” Sahaja 1, no. 1 (March 21, 2022): 45–56, https://doi.org/10.61159/sahaja.v1i1.12.
Elda Aldira Laniza Zainal, Hukum Asuransi (Jakarta: PT Cipta Gadhing Artha, 2020).
Junaidi Abdullah, “Akad-Akad di dalam Asuransi Syariah,” TAWAZUN : Journal of Sharia Economic Law 1, no. 1 (March 31, 2018): 11, https://doi.org/10.21043/tawazun.v1i1.4700.
Suhardi, Asuransi Jiwa Konvensional Dan Syariah (Yogyakarta: Penerbit Gava Media, 2021).
Jaih Mubarok et al., Buku Ekonomi Syariah Bagi Perguruan Tinggi Hukum Strata 1 (Jakarta: Departemen Ekonomi dan Keuangan Syariah - Bank Indonesia, 2021).
Dwi Tatak Subagiyo and Fries Melia Salviana, Hukum Asuransi (Surabaya: PT Revka Petra Media, 2016).
Andri Soemitra, Aransi Syariah (Medan: Wal Ashri Publishing, 2015).
Wetria Fauzi, Hukum Asuransi Di Indonesia (Padang: Andalas University Press, 2019).
Muh. Ruslan Abdullah and Fasiha Kamal, Pengantar Islamic Economics Mengenal Konsep Dan Praktek Ekonomi Islam (Makkasar: Lumbung Informasi Pendidikan (LIPa), 2014).
Muhammad Siddiq Asmara, “Kedudukan Asuransi Dalam Hukum Islam,” Islamic Banking 2, no. 2 (2017): 44–55, https://ejournal.stebisigm.ac.id/index.php/isbank/article/download/31/23/.
Muhaimin, Hukum Asuransi (Asuransi Konvensional Dan Asuransi Syariah) (Mataram-NTB: Pustaka Bangsa, 2016).
Ibrahim Fikma Edrisy, Angelina Putri, and Sulistiyawati, Hukum Asuransi (Bandarlampung: Pusaka Media Design, 2023).
Leni Dwi Nurmala, “Perspektif Ulama Tentang Asuransi Dalam Hukum Islam,” Journal Evidence Of Law 2, no. 2 (2023): 12–21, https://jurnal.erapublikasi.id/index.php/JEL.
Fuad Masykur, “Asuransi Dalam Perspektif Islam,” Madani Syari’ah 2 (2019): 89–103, https://stai-binamadani.e-journal.id/Madanisyariah/article/download/141/113/.
Sirajuddin and Muslihati, “Asuransi Dalam Perspektif Hukum Ekonomi Islam,” AT TAWAZUN Jurnal Ekonomi Islam 1, no. 2 (2021): 109–126, http://journal.uinalauddin.ac.id/index.php/attawazun/index.
Laba Tila, Mukhsinun Mukhsinun, and Utihatli Fursotun, “Dasar Hukum Dan Prinsip Asuransi Syariah Di Indonesia,” Jurnal Labatila 2, no. 01 (March 6, 2019): 53–73, https://doi.org/10.33507/lab.v2i01.107.
Hadi Daeng Mapuna, “Asuransi Jiwa Syariah; Konsep dan Sistem Operasionalnya,” Al-Risalah Jurnal Ilmu Syariah dan Hukum 19, no. 1 (August 12, 2019): 159, https://doi.org/10.24252/al-risalah.v19i1.9976.
Fitri Putri and Slamet Haryono, “Determinan Hasil Investasi, Klaim dan Tata Kelola Perusahaan Terhadap Solvabilitas Perusahaan Asuransi Jiwa Shariah di Indonesia,” ILTIZAM Journal of Shariah Economics Research 7, no. 1 (June 21, 2023): 20–34, https://doi.org/10.30631/iltizam.v7i1.1765.
Ilyas, “Studi Komperatif Prinsip Asuransi Jiwa Takaful dan Asuransi Jiwa Konvensional,” Kanun Jurnal Ilmu Hukum, no. 62 (2014): 39–55, https://jurnal.usk.ac.id/kanun/article/download/6017/4955.
Alinolas Cubaim Harahap et al., “Asuransi Dan Investasi Dalam Islam,” Jurnal Ekonomika Dan Bisnis (JEBS) 3, no. 2 (2023): 295–297, https://doi.org/10.47233/jebs.v3i2.826.
Kisanda Midsen and Ali Nur Ahmad, “Hukum Akad dan Investasi pada Asuransi dalam Perspektif Fikih Muamalah,” Jurnal Ilmiah Ekonomi Islam 9, no. 1 (2023): 1104–1117, https://jurnal.stieaas.ac.id/index.php/jie.
Darmawati H, “Akad Dalam Transaksi Ekonomi Syari’ah,” Sulesana 12, no. 2 (2018): 143–167, https://journal.uin-alauddin.ac.id/index.php/sls/article/download/7578/6146.
Dede Abdurohman, “Kontrak/Akad Dalam Keuangan Syariah,” Jurnal Perbankan Syariah 1, no. 1 (2020): 39–58, https://journal.bungabangsacirebon.ac.id/index.php/EcoBankers/article/view/72.
Boni Satria and Samsul Bahry, “Term Tijarah dalam Perspektif al-Qur’an (Studi Tafsir al-Munir),” Thullab: Jurnal Riset Publikasi Mahasiswa 1, no. 2 (2021): 131–147, https://ejournal.iainkerinci.ac.id/index.php/thullab/article/view/1453.
Mashudi Hariyanto, “Konsep Dan Implementasi Mudharabah Dalam Asuransi,” Jurnal Al-Iqtishad: Jurnal Ekonomi Syariah 2, no. 01 (2020): 45–56, https://ejournal.iaiqi.ac.id/index.php/aliqtishad/article/download/319/213.
Ayu Rahmawati, Dr Muhammad Arif Ma, and Nurul Jannah, “Implementasi Akad Mudharabah pada produk Mitra Mabrur Plus: Studi Kasus Asuransi Jiwa Syariah Bumiputera Cabang Medan,” Jurnal Ilmu Komputer, Ekonomi dan Manajemen (JIKEM) 3, no. 1 (2023): 6102–1611, https://ummaspul.e-journal.id/JKM/article/download/5806/2680.
Mariya Ulpah, “Implementasi Akad Tabarru Pada Asuransi Syariah Perspektif Fatwa Dewan Syariah Nasional,” Syar’ie 4, no. 2 (2021): 136–147, https://staibinamadani.ejournal.id/Syarie.
Okta Khusna Aisi, “Prinsip-prinsip dan Sistem Operasionalisasi Produk Non-Saving Pada Asuransi Takaful Umum,” At-Tasyri’: Jurnal Hukum dan Ekonomi Syariah 1, no. 01 (January 5, 2020): 69–83, https://doi.org/10.55380/tasyri.v1i01.23.
Sutrisno and Dwipraptono Agus Harjito, Manajemen Lembaga Keuangan Syariah (Yogyakarta: K-Media, 2020).
Sindi Novita Sari, Sri Sudiarti, and Nurul Jannah, “Analisis Penerapan Akad Mudharabah pada Produk Asuransi Syariah di PT Jasindo Syariah KP Medan,” El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 4, no. 6 (March 1, 2023): 1508–1521, https://doi.org/10.47467/elmal.v4i6.3466.
Destri Budi Nugraheni, “Analisis Yuridis Akad Tabarru’ Dan Akad Tijarah Dalam Produk Unit Link Syariah,” Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada 28, no. 2 (November 27, 2016): 231-215, https://doi.org/10.22146/jmh.16729.
Published
2024-03-01
How to Cite
Noer Hasanah, & Anna Zakiyah Hastriana. (2024). AKAD-AKAD DALAM ASURANSI SYARIAH. Sahaja: Journal Sharia and Humanities, 3(1), 243-256. https://doi.org/10.61159/sahaja.v3i1.174
Section
Articles
