Open AccessAKTUALISASI ASURANSI SYARIAH DI ERA MODERN
Author(s) -
Yovenska L. Man
Publication year - 2018
Publication title -
jurnal ilmiah mizani : wacana hukum, ekonomi dan keagamaan/jurnal ilmiah mizani
Language(s) - English
Resource type - Journals
eISSN - 2656-9477
pISSN - 2355-5173
DOI - 10.29300/mzn.v4i1.1012
Subject(s) - actuarial science , business , profit sharing , profit (economics) , finance , economics , microeconomics
Takaful is one of the most promising undertakings. People are expected to be involved in it, because of the principle of mutual help (tawa’un). Basically, Takaful and conventional insurance have advantages and disadvantages of each. Therefore, as a customer must understand and can consider well which insurance is most appropriate to use. Muslims should use sharia insurance or gradually abandon conventional insurance. The Takaful company obtains profit sharing from the management of funds collected on the basis of the tijarah (mudaraba) agreement. Takaful companies receive ujrah (fee) from the fund management of akar tabarru ‘(grant). There are several other tijarah contracts other than mudharabah that can be used in the practice of Takaful insurance, namely akad wakalah, wadi`ah and musyarakah.