Commercial insurance concept based on the activity of giving a sum
of money in the form of periodic installments or in cash by a number of people
to one company , lemaga , or foundations that provide insurance to compensate
for losses ( dharar ) that hit one of them when the estimated risk actually
occur .
Commercial insurance companies in charge of counting ,mearik
premiums , and pay compensation ( damages ) to customers who guarantee of (
musta'min ) when tejadinya loss / damage . In this case the realization of
profit -oriented enterprises and the development of clients' money .
This commercial insurance contract as contract administration
including financial compensation for speculative and therefore contain elements
that vile manipulation . Because at the time the contract musta'min ( insurance
customers ) do not know exactly how much money will he or will he give take or
receive. Perhaps just recently paid one installments or twice or a disaster so
he immediately got a huge compensation exceeds the premiums he paid to be paid
by the insurance company . But it could be otherwise , customers clients have
never experienced a loss or disaster so that the customer must pay the entire
premium without the slightest profit . In this hadith the prophet through
shahih which expressly prohibit the sale of bear elements of fraud ( ghurur ) .
Husain Syahatah, Asuransidalampresfektifsyari’ah
By:
MuhimatulKhoiroh (11220067)
