STUDI KOMPARATIF TAKAFUL DAN ASURANSI KONVENSIONAL

The development of the sect of the sect of the conventional economic science gave birth to two large flows in the economic system of the countries in the world. The First, the classic economic ideologies known with monetary policy in order to maintain the stability of the state keekonomian. The second, understands the modern economy that focusing the policy of the government in the fiscal sector. In the middle of the rivalry between two economic ideologies, on the decade of the 1970s in gagaslah an economic system which is considered as the solution to accommodate the problems faced by a negra. The Islamic economy with the basic philosophy that tend to be outside of the mainstream economy offers the principle of values and the purpose of the comprehensive and universal. In the economic system countries there financial institutions Banks and non-bank. In the adjacent is the author membahasakan one of non-bank financial institutions, namely insurance. As in conventional financial institutions there are insurance, so also on the sharia financial institutions have sharia insurance named with takaful. The subject of done author is gives a comparison between the conventional insurance and takaful. So that can provide a description of the opportunities takaful development in Indonesia as a whole. The Annual Report Bappepam-LK 2011 syariah insurance (takaful) number of wealth and investment funds owned by Rp9,2 Trillion and Rp7,8 Triliundan growth that occurs on this industry of 31,94% and 33,76%. From this study by relying on the principle that is owned by the takaful conclusion can be that takaful in Indonesia still have opportunities that is large enough to perform the expansion of the market by touching the middle to society.