Insurance
is distinguished by two types of conventional insurance as well as personal
insurance. Asuransyar itself started in the 1990s and started popular in the
2000s.
Insurances are started with the rapid marketing of basic products from
Muamalat Bank, Syariniah Mandiri Bank and other bank-based banks. After savings
and financing products have been intensely launched, then insurance is growing
rapidly.
Even speculation surrounding the insurance had also sprung up. There
are those who argue that the insurance is haraam and there are also those who
believe that the shari'a is a legitimate product of insurance and is very
suitable to be an attractive choice for most of the Muslim community in
Indonesia.
Syariah In The Context Of Business Insurance Asurans
In its development, we increasingly
understand about religion. Not only the matter of worship will still be about
muamalah or relationships with fellow human beings.
Business and finance are
also included in the category of muamalah, which is a lot
of people with various considerations, one of which is halal and haram. But in
fact until now this is still a lot of people who do not really understand what
it is, and is only limited to follow-up only.
Asuransyar in principle, apply
the rules that rest on the basic faith and morals and have replies in the world
and in the end.
Refers to al-quran and as-sunnah which are translated into
Islamic insurance products.
Provisions for Asuran Syariah
If
we talk about insurance, I am a cooperative effort to protect and pray for help
among a number of people in dealing with disasters or schools through
agreements that are agreed with in accordance with the teachings of Islam.
The
agreement used uses the Takaful contract principle, which means, please help
with the basic principle of Tabarru 'while the management, using Mudharabah
through investment in sharia.
In sharia insurance, it must also be in
accordance with the shariah Islam by considering prohibitions that must be
eliminated, which does not contain gharar, maysīr, rība, illicit goods and
maxims that are prohibited in Islam.
In supporting the insurance system, in
insurance, it is supported by several contracts, including the history
agreement, the Tabarru contract.
This
historical contract is a contract in the form of insurance that has commercial
purposes, which is to look for temporary benefits for the Tabarru contract
'having non-professional purposes, namely for policy and help - helping and not
for commercial purposes.
Some important points in the tabarru agreement include
a participant agreement to help, rights and responsibilities as well as payment
methods and classifications.
For this little information that we usually give
about the types of products and basic insurance provisions. Hope it is useful
for you. Start financial planning since this day