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Sharia Insurance System Has Excellence

Syariah Assurance System has more difference and advantage when compared to the conventional insurance system. Differences and advantages are found in the procedure of deposit funds, the operationalization of insurance funds, and akad.

Chairman of the Indonesian Sharia Insurance Association (AASI) Muhammad Zubair said there is a difference between sharia and conventional insurance, which is the placement of funds based on non-interest income, premiums should not be used insurance companies for things that violate the sharia, money given to clients from the company should not be used when the premium paid by the client is due, and if the company profits, then the profit is deducted two and a half percent for zakat.

"Sharia insurance is superior in terms of the contract," said Zubair at the Islamic Insurance Talk Show, which is not legitimate, because it determines whether or not Shari'a is legitimate. "Client clients can take mudharabah or tabarru contracts. held by the Executive Board of Students of Sharia Insurance Department (BEMJ AS) Faculty of Sharia and Law, in Theater lt.2, Tuesday (5/5). Despite its advantages, said Director of MAA Life Assurance Syariah Hardy Harahap still facing a number of problems, especially the lack of regulation set the insurance system. Now, there is only one Act (Act) that regulates specifically regarding the system of Islamic insurance, the Act No. 2 of 1992. Nevertheless, continued Hardy, the Act has not been able to accommodate all the needs related to the regulation of Takaful.

Hardy pointed out if there is a dispute between the company and customer claims, then according to the Act must be resolved in Islamic judiciary. Meanwhile, the government has not provided its shari'a judicial institutions, such justice exists in Aceh. Faced with the problem, Hardy asked the insurance manager to draft a law that will be submitted to the government. Efforts that the Takaful system is not a legal defect and awake its purity from the ribawi element.

"Insurance should be used for the benefit of the people," said Hardy. Its legislation should be readily completed, in order to facilitate the bureaucratic process and increase the interest of Muslims to immediately turn to sharia insurance. *

Chairman of the Indonesian Sharia Insurance Association (AASI) Muhammad Zubair said there is a difference between sharia and conventional insurance, which is the placement of funds based on non-interest income, premiums should not be used insurance companies for things that violate the sharia, money given to clients from the company should not be used when the premium paid by the client is due, and if the company profits, then the profit is deducted two and a half percent for zakat.

"Sharia insurance is superior in terms of the contract," said Zubair at the Islamic Insurance Talk Show, which is not legitimate, because it determines whether or not Shari'a is legitimate. "Client clients can take mudharabah or tabarru contracts. held by the Executive Board of Students of Sharia Insurance Department (BEMJ AS) Faculty of Sharia and Law, in Theater lt.2, Tuesday (5/5). Despite its advantages, said Director of MAA Life Assurance Syariah Hardy Harahap still facing a number of problems, especially the lack of regulation set the insurance system. Now, there is only one Act (Act) that regulates specifically regarding the system of Islamic insurance, the Act No. 2 of 1992. Nevertheless, continued Hardy, the Act has not been able to accommodate all the needs related to the regulation of Takaful.

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