5. Mekanisme Pelaksanaan Asuransi Syari'ah Sebagai Salah Satu Bentuk Implementasi Syariat Islam

Nama  : Etty Rochaety Biodata  :   Etty Rochaety, SH. Dosen DPK pada Sekolah Tinggi Hukum Bandung (STHB). Lektor Kepala dalam Mata Kuliah Hukum Islam dan Hukum Pajak. Sarjana Hukum (S1) dari Fakultas Hukum Universitas Padjadjaran (UNPAD).   Abstraksi     Syari’ah insurance (Takaful) in the meaning of Muamallah is such a sharing or taking a risk to each other among customers, so that they are absolutely responsible for their risks. This is performed on the basis of helping to each other in good deed by taking out tabarru (donation) to handle problems in taking a risk. This Takaful insurance is in accordance with the Holy Koran, Al Maidah surah verse 2. In Indonesia Syari’ah insurance has existed since 1994 together with the establishment of Family Takaful Insurance Ltd, and Public Takaful Insurance Ltd in 1995. Conventional insurance is not adequate and not in accordance with Islamic Law because there are maisir, gharar, and riba (usury). These are all forbidden in Muamallah, while Syari’ah insurance is pure and clean because it is based on the Holy Koran, Al Sunnah, and fuqaha’s opinion.   Download Attachment