Now, in Indonesia the Shariah insurance boom. there are several things that makes insurance different sharia conventional insurance. The basic principle is the management of the transaction may not contain 7 pp. First, gharar (uncertainty), in Islam it is forbidden for commercial gain. Second, maysir (gambling). Third, riba (interest). Fourth, zulmu (abuse / injured). Fifth, riswah (bribes). Sixth, illicit goods. And last, immoral acts.
Funds deposited by customers or so-called premiums, some will remain the property of participants. While the remainder is given to the holders of trust, in this case the management company. Part of participants, called Tabaru accounts used to pay insurance claims its members according to the specified limit. Meanwhile, the management company uses the funds for management activities.
Funds invested Tabaru possible for the various forms of savings does not infringe the rules of Islam. If positive, then the profits will be shared with the participants and organizers according to their respective contributions. This became sharia insurance benefits, profit funds are distributed as a bonus benefit, or be in cash. Conditions like this do not occur in conventional insurance.
In terms of policy or rules, Islamic insurance is basically not differ much. It's just a consumer choice as well as existing kausula, no guarantee that the claim request is used for immoral acts, such as transporting liquor, pork, gambling or adultery.
Funds deposited by customers or so-called premiums, some will remain the property of participants. While the remainder is given to the holders of trust, in this case the management company. Part of participants, called Tabaru accounts used to pay insurance claims its members according to the specified limit. Meanwhile, the management company uses the funds for management activities.
Funds invested Tabaru possible for the various forms of savings does not infringe the rules of Islam. If positive, then the profits will be shared with the participants and organizers according to their respective contributions. This became sharia insurance benefits, profit funds are distributed as a bonus benefit, or be in cash. Conditions like this do not occur in conventional insurance.
In terms of policy or rules, Islamic insurance is basically not differ much. It's just a consumer choice as well as existing kausula, no guarantee that the claim request is used for immoral acts, such as transporting liquor, pork, gambling or adultery.
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