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For this article, I will discuss as the title we present above, for the subject this time it is included in the category sharia insurance / syariah economic , because each of our discussions is grouped with their respective sub.
Why Sharia Insurance?

The definition of sharia insurance according to the National Sharia Council is an effort to protect each other and help to help a number of people through investment in the form of assets and/or tabarru 'which provide a pattern of return to face certain risks/hazards through a sharia-compliant contract.

Sharia Insurance is a system whereby participants / donors donate / partially donate or all contributions that will be used to pay claims, in case of any misfortune experienced by some participant / member / participant. The role of the company here is limited to the operational management of the insurance company and the investment of funds / contributions received / transferred to the company.

Sharia insurance is also called ta'awun insurance which means help or helps each other. Therefore it can be said that Insurance ta'awun basic principle is the basis of Shari'a that mutual tolerance to fellow human beings to establish togetherness in lightening the disaster experienced by participants. This principle is in accordance with the word of Allah in the letter Al Maidah verse 2, which means:

"And help each other in goodness and devotion and do not help each other in sin and hostility"

Why Sharia Insurance? 

Insurance that has been used by the majority of society (nonsharia) is not an insurance known by the predecessors of the fiqh experts, because it does not include transactions known by Islamic fiqh, nor from among the friends who discuss the law.

The difference in opinion about insurance is caused by their different knowledge and ijtihad. The reasons include:

1. In the insurance transaction, there are jahalah (ignorance) and ghoror (uncertainty), where it is not known who will gain profit or loss at the end of the insurance period.

2. In it, there is usury or syubhat usury. This will be clearer in life insurance, where a person who provides an insurance policy pays a few funds/premiums in the hope of earning more money in the future, but he may not get it. So, in essence, this transaction is the exchange of money, and with the addition of money paid, then this clearly contains elements of usury, both usury fadl, and usury nasi'ah.

3. This transaction may lead both parties to hostilities and disputes in the event of a disaster. Where each party seeks to delegate losses to other parties. The dispute could lead to a trial.

4. This insurance includes the type of gambling because one party to pay a little property to get more wealth by way of chance or without work. If there is an accident he is entitled to get all the promised property, but if not then he will not get anything.

Looking at the four things above, it can be said that the transaction in insurance that we know, not in accordance with the transactions known in Islamic fiqh. Sharia insurance with the principle ta'awun, can be accepted by the community and developed quite rapidly in recent years.

Takaful with a clear and transparent agreement with a shariah aqad, whereby the collected funds and insurance premiums (also called tabarru funds) will be managed professionally by sharia insurance companies through shariah investment based on sharia principles.

And in the end, all funds managed (fund tabarru ') will be used to deal with and anticipate the occurrence of disasters / disasters/claims that occurred among participants insurance. Through Shariah Insurance, we prepare financially by maintaining the principles of transactions in accordance with Islamic fiqh. So there is no doubt to insure shari'a.

Thus our article which we give the title: hopefully it can add to our knowledge in all categories. sharia insurance / syariah economic . Please come back and always follow our other articles which are of course very interesting and useful. Terimakasih

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