According to Mustafa
Ahmad Zarqa, the meaning of insurance is occurrence. Meanwhile, according to
the term insurance is a way or method to human save in avoiding the risk
(threat of) a variety of hazards that would occurred in his life, in the course
of his life or activities in economic activity.[1]
Majis
National Islamic Council of Ulama Indonesia (DSN-MUI)
in his fatwa on the
general guidelines asuransi.
Asuransi Syariah (ta'min, Takaful, Tadhamun) according
to the DSN-MUI is keep mutual effort
and mutual help among
a number of persons or parties through
investment in assets and or tabarru 'which
gives the pattern of return to face
a particular risk through the contract (engagement)
in accordance with syariah.[2]
From the above definition
it appears that Islamic insurance
is helping each other and keep called ta'awun.
Therefore, Islamic insurance premium is paid by the fund participants
consisting of savings accounts and tabarru '. Funds are deposited
savings of audience Islamic insurance (life insurance) and will be allocated
for the result. (Al-mudhorobah) of net
investment income earned each year. While
tabarru 'is a charity
fund given by the participants willingnes insurance and if at any time will
be used to pay claims or insurance benefits.
Actually, the concept
of Islamic insurance has existed since the time of the Prophet called Aqilah.
Even according to Patrick Thmas in his Dictionary of Islam, it has become a
habit since the ancient Arab tribe that if any one of the family of the slain
victim will be paid accounted heir of blood money (diyat) as compensation. Next
of kin of the killer called Aqilah, must pay blood money on behalf of the
killer.[3]
Another term
that is often used
for Takaful Islamic
insurance is. Said takafu taste of takafalla-yatakafau, which
etymologically means guarantee or bear one
another.[4]
In the Quran, Allah commanded His servants to continue to make preparations to face tomorrow, because it's a lot of people are trying to prepare by saving or insured.
In the Quran, Allah commanded His servants to continue to make preparations to face tomorrow, because it's a lot of people are trying to prepare by saving or insured.
By : Eny
Wulansari
[1]
M. Syakir Sula,
Asuransi Syariah (Life and General).
2004. (Jakarta: Gema Insani),hlm 29.
[2]
Fatwa Dewan
Syariah Nasional No.21/DSN-MUI/X/2001 Tentang Pedoman Asuransi Syariah.
[3]
M. Syakir Sula,
Asuransi Syariah (Life and General).
2004. (Jakarta: Gema Insani), hlm. 31
[4]
Sula, Life and
General,hlm 32
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