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More Fair with Sharia Insurance

Do not know, then do not love. At least that's the portrait that can be taken from the still lack of public interest following the Takaful insurance. This is none other than the lack of knowledge about these financial institutions. Society is still minimal with insurance knowledge. Especially when the insurance has been juxtaposed with the name of sharia, certainly more terms that need to be known. Not only for personal and family interests, in fact, insurance is also very important to be run by the businessman in order to mitigate the risk of loss on the assets of his business.

In accordance with the fatwa of the National Sharia Council (DSN), Takaful is defined as mutual protection and help among a number of persons or parties through investment in the form of assets and/or tabarru 'which provide a pattern of return to face certain risks through appropriate contracts sharia.

If a person becomes a participant or Takaful Insurance, the Syariah term is called a muamman, while an insurance company is called a muammin. Should start an insurance, the customer entered into a contract with the insurance company. Well, here is the difference begins.

Basically, sharia insurance and conventional insurance have the same goal, namely the management or risk mitigation. However, some fundamental differences in the initial contracts make sharia insurance is considered fairer than conventional insurance.

According to the Head of Daily Implementing Agency DSN Ma'ruf Amin, unlike conventional insurance that implements a sale and purchase contract or commonly called tabaduli, Takaful insurance uses takafuli contracts or help one customer with another when in trouble. "So in Takaful insurance, there is risk sharing," said Ma'ruf. While with Akad tabaduli, there is a sale and purchase of risk insured between the customer and the insurance company. In other words, there is a risk transfer (risk transferring) from customers to insurance companies.

Management of funds through sharia insurance is believed to be protected from elements that are forbidden Islam namely usury, gharar (unclear funds) and maisir (gambling). Therefore, sharia insurance company holds trust in investing customers' funds according to sharia principles. As per akadnya, mudharabah, the contract of cooperation where the participants provide 100% capital and managed by insurance companies, by determining the profit-sharing contract.

If the Takaful customer makes a claim, the claim fund comes from the tabarru 'account (virtue) of all participants. Unlike the conventional insurance claims derived from insurance companies.

Another advantage of Takaful, ie not knowing the term charred fund like conventional insurance. Sharia insurance participants can get their money back even though it has not arrived due. Since the concept is wadiah (deposit), the funds are returned from the accounts of participants who have been separated from the tabarru 'accounts. Moreover, the operational cost of Takaful insurance. It is reasonable, given the imposition of operational costs borne by the policy holder, limited to 30% of the premium, so that the formation of the cash value quickly formed in the first year with a value of 70% of the premium. Compare with the burden of conventional insurance operational costs borne entirely by the policyholder, so that the formation of cash value becomes sluggish in the first years to zero.

This condition also allows Shariah general insurance participants to receive back some of the premium if it turns out until the due date there is no claim. Of course also with the calculation of profit sharing that has been approved at the beginning of the contract, whose value depends on the investment return in that year.

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