Difference of Conventional Insurance and Moslem law

conventional Moslem law life insurance and life insurance haves a purpose is same that is management or penanggulangan risk. Basic difference between both are way of its(the management. risk management of conventional insurance in the form of transfer of risk from the participants to insurance company ( risk transfer) while Moslem law life insurance embraces principality to help each other by dividing risk between life insurance participant ( risk sharing).

Besides there are also difference of way of managing element of insurance product savings. At Fund management Moslem law life insurance embraces investment of Moslem law and free of element ribawi / riba/ interest..

to be more sharpness about difference between conventional Moslem law life insurances and life insurance, following be the explanation :






About Contract or Engagement letters

Clarity of contract or engagement letters ( agreement ) in practice of muamalah becomes principle because will determine validity or not his(its in Moslem law. And so do with contract between participants with insurance company.

Conventional insurance applies contract which in Moslem law called as sales contract ( tabaduli).

This in bond must fulfill sales agreement conditions. Ketidakjelasaan problem of level of premium which must be paid by hinges to participant age which only God tau when we died results conventional insurance contained is so-called gharar ( ketidakjelasaan ) at the contract causing results exchanges engagement letters of good and chattel in conventional insurance in practicing it is defect judicially

While at contract Moslem law life insurance applied do not contract sales but contract to help each other ( takafuli). So Moslem law life insurance applies does so-called as contract tabarru ( donation / contribution ). This contract is alternative of valid money and confirmed in seceding from illicit practice at conventional insurance.

Fund tabarru ' this aim to give benefaction fund with candid intention for purpose of helping each other one with other of Moslem law insurance participant humanity if between of something is hit [by] accident. Along of that is fund tabarru ' kept in one accounts khsusus, where if happened risk, claim fund given is from fund account tabarru ' which have been intention by all participants for the sake of helping each other.

About Contract Al-mudharabah

Above explanation, about contract tabarru ' be donation allocation if happened accident. While element in life insurance can also in the form of savings. In Moslem law life insurance, savings or investment must fulfill Moslem law.

Distinguished it was investment pattern of sharing holder where fund organizer insurance company only collected from the participants. Technically, al-mudharabah is same job(activity engagement letters effort for between two party(sides where first party provides all ( 100 %) legal capital, while other party becoming organizer.

Gain of effort for in mudharabah is divided according to agreement poured by in bond, while if losing, accounted by owner of legal capital during the non hit as result of negligence in organizer. If only the hit is resulted by insincerity or insensitive the organizer, hence organizer must be in control of the hit.

Production sharing contract is disepkati front so that in the event of gain hence its(the division will follow the production sharing contract. Takes example its(the production sharing contract is 60:40, where participant gets 60 percentage of medium gain of insurance company gets 40 percentage of gain.

In the relation with investment, which is one of element in insurance premium, must fulfill Islam Moslem law where doing not know is usualy called as lap / interest. All conventional insurances invests its(the fund with interest mechanism.

So hard conventional insurance to avoid element of lap. While Moslem law insurance in invests in menyimpan its(the fund must to various investment based on Islam Moslem law with system al-mudharabah ( sharing holder).

About Scorch Fund

In conventional insurance is recognized existence of scorch fund, which participant cannot continuing payment of premium and wish to resign before a period of due date. So also with conventional life insurance of non-saving ( doesn't contain element of savings) or casualty insurance, if pot is clean a period of contract and not happened claim, hence insurance premium which have been paid scorch or becomes company gain of insurance.

while in conceptioning Moslem law insurance, its(the mechanism do not know scorch fund. New participant entered is even a because of something or the other wish to resign, hence previous fund or premium have been paid able to be taken again except partly small just which have been intention for fund tabarru' ( sumbangan/ donation) what cannot be taken.

common Moslem law insurance also that way, if pot is clean a period of contract and not happened claim, hence the side of company returns some of the premium with result split mold, for example 60:40 or 70:30 , in essence as according to agreement of contract in the face. In this case hence very possible of premium paid in the beginning of year can be taken again and the numbers hardly hinging with level of investment in the year.

Moslem law Insurance Benefit

Moslem law insurance can become alterntif protection choice for pemeluk Islam wishing product matching with Islam law. This product also able to become choice for pemeluk other religion ( non islam ) what looks into that fair Moslem law concept for they. Moslem law is a universal ber-sifat system or principle ( public ) what can be exploited by whoever, also enthusiastic with Moslem law concept.

Oke formerly in a flash about Moslem law insurance bottom concept, hopefully useful made you all. Thank you and greeting.

Source:http//www.sinarharapan.co.id

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Recognizes Moslem law Insurance Basic Concept

Speaking about Moslem law insurance bottom concept for us as Indonesia citizen is of vital importance because Kita knows that Indonesia is one of Negara which its(the resident majority is islam but product product growing diindonesia with new Moslem law principle principle growed since approximately 3-4 years ago, one of them is is Moslem law insurance product pioneered by PT Insurance Takaful Indonesia is standing since 1994 ago. After the time/date of that is some companies started tills insurance product to base on Moslem law. Alwaysly grows it product product bases on Moslem law is fatherland [by] this hence this diblog elaborated some things about Moslem law insurance bottom concept. Before farther about Moslem law insurance especially in the case of principal principle and its(the mechanism , many moslem circles that is of opinion that the insurance is illicit punished it. I am not a moslem scholar ' or ritualist which can tell if the lawful or illicit insurance punished it. But if something tells the lawful insurance, is the matter correctness?, as well as if something tells the illicit insurance, is that thing also correctness?. To know is the illicit or lawful insurance, let us follows its(the solution in this my blog






Possibly something tells that the insurance not islami?, why that way?, because some of pemeluk islam of opinion that the insurance the same as to opposing qodlo and qadar NYA Allah atu is more precisely is against destiny ( thing ditentukan/ has been specified by God), for example death problem, couple, rizki, accident, pain, etc. Oke, of course basically islam confess that death problem, accident, pain, accident is God destiny. This thing beyond question and cannot be refused and we must receive as it is candidly because any is the God choice is good for us, although according to us that thing is not good but God extremely knows everything which God to destine to us, because God extremely enamoured and humane to all its(the slaves / its(the creature. But we are as man also must know that we also commanded by God to make a planning to face future. This thing has been mentioned in firman NYA QS Al-Hasyr:18 with the meaning: " Hi believe people who is having godfearing to God and so it will every x'self pays attention to has diperbuat have for day morrow ( future) and having godfearing you to God. its(the Sesunguh God The Most knows what which you do". This thing explains that we commanded to plan will which us perbuat for the future we.

In other letter that is letter Yusuf : 43-49, God depicts example of effort for man to form protection system menghadapai ugly possibility is future. Shortly, this sentence tells a story about question of king mesir tetang its(the dream to Nabi Yusuf. Where Egypt king dreams sees seven fat female ox eaten by seven thin ox, and s(he also sees seven green grist booms born fruit and seven red booms runs dry not to bear fruit.

Prophet Yusuf in this case answers so that you to plant seven years and from result of his(its is so it will is kept partly. Later after that will come seven years which very difficult, what finishs does you keep menghadapapi to a period of difficult of tesebut, except a few of what kept.

In this sentence hardly explains that we suggested to try takes care of continuity of life with protecting possibility that the happening of ugly condition. And hardly explains sentence is upper to express that berasurnasi is not be against destiny, even God suggests existence of efforts towards to planning of future with sisitem protection recognized in insurance mechanism.

So, if system protected or insurance is confirmed, question hereinafter is: does insurance which we recognize now ( conventional insurance) has fulfilled other conditions in conceptioning muamalat ( relates to humanity ) in Islami. In mechanism of conventional insurance especially life insurance, at least there are three things which still be illicit by the moslem scholars, that is: existence of element gharar ( in-(un- jelasan fund), element maisir ( judi/ gambling) and lap ( interest). Third this thing will be explained in penjelasaan detail about difference between conventional insurances and Moslem law insurance. Follows its(the solution this diblog also.

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Mengenal Konsep Dasar Asuransi Syariah

Berbicara masalah konsep dasar asuransi syariah bagi kita selaku warga negara Indonesia adalah sangat penting karena Kita tahu bahwa Indonesia merupakan salah satu Negara yang penduduknya mayoritas adalah islam namun produk produk yang berkembang diindonesia dengan prinsip prinsip syariah baru berkembang sejak kurang lebih 3-4 tahun yang lalu, salah satunya adalah produk asuransi syariah yang dipelopori oleh PT Asuransi Takaful Indonesia yang berdiri sejak 1994 yang lalu. Sejak saat itulah beberapa perusahaan mulai menggarap produk asuransi berbasis syariah. Dengan terus berkembangnya produk produk berbasis syariah ditanah air ini maka diblog ini diuraikan beberapa hal tentang konsep dasar asuransi syariah. Sebelum lebih jauh tentang asuransi syariah terutama dalam hal prinsip prinsip dan mekanismenya , banyak kalangan muslim yang beranggapan bahwa berasuransi itu adalah haram hukumnya. Saya bukanlah seorang ulama’ atau ahli agama yang dapat mengatakan kalau asuransi itu haram atau halal hukumnya. Namun kalau ada yang mengatakan asuransi itu halal, apakah hal itu benar?, dan juga kalau ada yang mengatakan asuransi itu haram, apakah hal itu juga benar?. Untuk mengetahui apakah asuransi itu halal atau haram, mari kita ikuti pembahasannya di blog saya ini





Mungkin ada yang mengatakan bahwa asuransi itu tidak islami?, mengapa demikian?, karena sebagian pemeluk islam beranggapan bahwa berasuransi itu sama halnya dengan menentang qodlo dan qadar-NYA Allah atu lebih tepatnya bertentangan dengan takdir (sesuatu yang telah ditentukan/ ditetapkan oleh Allah), misalnya masalah kematian, jodoh, rizki, kecelakaan, sakit, dll. Oke, memang pada dasarnya islam mengakui bahwa masalah kematian, kemalangan, sakit, kecelakaan merupakan takdir Allah. Hal ini sudah pasti dan tidak dapat ditolak dan kita harus menerima apa adanya dengan ikhlas karena apapun pilihan Allah itu adalah baik bagi kita, walaupun menurut kita hal itu tidak baik tapi Allah maha mengetahui segala hal yang Allah takdirkan ke kita, karena Allah maha pengasih dan penyayang kepada semua hambanya / makhluknya. Namun kita sebagai manusia juga harus mengetahui bahwa kita juga diperintahkan oleh Allah untuk membuat suatu perencanaan untuk menghadapi masa depan. Hal ini telah disebutkan dalam firman-NYA Q.S Al-Hasyr:18 yang artinya: “Hai orang-orang yang beriman bertaqwalah kepada Allah dan hendaklah setiap diri memperhatikan apa yang telah diperbuat untuk hari esok (masa depan) dan bertaqwalah kamu kepada Allah. Sesunguhnya Allah Maha mengetahui apa yang engkau kerjakan”. Hal ini jelas bahwa kita diperintahkan untuk merencanakan apa yang akan kita perbuat untuk masa depan kita.
Didalam surat yang lain yaitu surat Yusuf :43-49, Allah menggambarkan contoh usaha manusia membentuk sistem proteksi menghadapai kemungkinan yang buruk dimasa depan. Secara ringkas, ayat ini bercerita tentang pertanyaan raja mesir tetang mimpinya kepada Nabi Yusuf. Dimana raja Mesir bermimpi melihat tujuh ekor sapi betina yang gemuk dimakan oleh tujuh ekor sapi yang kurus, dan dia juga melihat tujuh tangkai gandum yang hijau berbuah serta tujuh tangkai yang merah mengering tidak berbuah.
Nabi Yusuf dalam hal ini menjawab supaya kamu bertanam tujuh tahun dan dari hasilnya hendaklah disimpan sebagian. Kemudian sesudah itu akan datang tujuh tahun yang amat sulit, yang menghabiskan apa yang kamu simpan untuk menghadapapi masa sulit tesebut, kecuali sedikit dari apa yang disimpan.

Dalam ayat ini sangat jelas bahwa kita dianjurkan untuk berusaha menjaga kelangsungan kehidupan dengan meproteksi kemungkinan terjadinya kondisi yang buruk. Dan sangat jelas ayat diatas menyatakan bahwa berasurnasi tidak bertentangan dengan takdir, bahkan Allah menganjurkan adanya upaya-upaya menuju kepada perencanaan masa depan dengan sisitem proteksi yang dikenal dalam mekanisme asuransi.
Jadi, jika sistem proteksi atau asuransi dibenarkan, pertanyaan selanjutnya adalah: apakah asuransi yang kita kenal sekarang (asuransi konvensional) telah memenuhi syarat-syarat lain dalam konsep muamalat (berhubungan dengan sesama ) secara Islami. Dalam mekanisme asuransi konvensional terutama asuransi jiwa, paling tidak ada tiga hal yang masih diharamkan oleh para ulama, yaitu: adanya unsur gharar (ketidak jelasan dana), unsur maisir (judi/ gambling) dan riba (bunga). Ketiga hal ini akan dijelaskan dalam penjelasaan rinci mengenai perbedaan antara asuransi konvensional dan asuransi syariah. Ikuti pembahasannya diblog ini juga.

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