Pengelolaan Nilai Tunai Dalam Surplus Underwriting Di Agen Rinto Prudential Syariah Wonosobo
Abstract
Sharia insurance is one of the products of Islamic Financial Institutions that currently exist among the public today. However, limited public knowledge often causes misunderstandings between the community and insurance participants so that many of them think they are losing money when investing their money for insurance. Whereas in reality, those who invest their funds in insurance products actually get two benefits at once, namely insurance coverage benefits and long-term investment benefits. Therefore, before buying an insurance product, it is necessary to learn more about what insurance product to buy and how to manage the investment. Is the product purchased in accordance with the provisions of the Shari'a or not. Here the author provides an overview of several life insurance products at Prudential Syariah Wonosobo related to investment in more detail. This study uses a field research method where the author conducts research and collects data directly to the research location with qualitative data analysis methods. The results of this study indicate that based on the source of funds and their management, the cash value in this underwriting surplus is in accordance with the theories and concepts in fiqh muamalah, free from elements of usury, gharar and maisir. A clear separation of funds and profit sharing is the hallmark of this sharia insurance.
Downloads
References
Al Hadi, Abu Azam (2017) Fikih Muamalah Kontemporer. Rajawali Pers, Depok. ISBN 978-602-425-142-0
Alifianingrum, Rosyda dan Noven Suprayogi. 2018. Faktor-faktor Yang Mempengaruhi Surplus Underwriting Dana Tabarru` Pada Perusahaan Asuransi Jiwa Syariah. Jurnal Ekonomi Syariah Teori dan Terapan Vol. 5 No. 2.
Anonim. (2011). Al-Qur’an al-Karim dan Terjemahannya Departemen Agama RI.
Arif, M. Syaikhul dan Siti Halilah. 2019. Kafalah Dalam Pandangan Islam. Siyasah : Jurnal Hukum Tata Negara. Vol. 2 Edisi 2.
Assaalimah, Nur Azizah. 2021. Teori Pertukaran (Natural Certainty Contract) dan Teori Percampuran (Natural Uncertainty Contract). LAN TABUR : Jurnal Ekonomi Syari’ah. Vol. 3 No. 1. September 2021.
Azwar, Saifuddin. 1998. metodologi Penelitian (Yogyakarta : Pustaka Belajar)
Azzam, Abdul Aziz Muhammad. 2017. Fiqh Muamalat Sistem Transaksi Dalam Fiqh Islam. (Jakarta : Amzah).
Az-Zuhaili, Wahbah. 2010. Fikih Islam Wa Adillatuhu 1: Pengantar Ilmu, Terj. Abdul Hayyie al-Kattani, dkk (Jakarta: Gema Insani).
Brosur Ringkasan Informasi Produk dan Layanan Versi Umum Asuransi Jiwa Syariah Plan PruCerah dari Rinto Prudential Syariah Wonosobo.
Damanuri, Aji. 2010. Metodologi Penelitian Mu’amalah (Ponorogo: STAIN Po PRESS).
Damisa, Arti. 2016. Asuransi Dalam Perspektif Syariah. At-Tijarah : Jurnal Ilmu Manajemen dan Bisnis Islam. Vol 2. No. 2. 2016.
Dewan Syariah Nasional MUI, Fatwa DSN-MUI No. 21/DSN- MUI/X/2001 tentang Pedoman Umum Asuransi Syariah.
Dewan Syariah Nasional. Fatwa DSN MUI No. 53/DSN- MUI/III/2006 tentang Akad Tabarru` Pada Asuransi Syariah.
Dokumentasi dalam bentuk brosur dari Rinto Prudential Syariah Wonosobo.
Dokumentasi dalam bentuk infographic-withdrawal dari Rinto Prudential Syariah Wonosobo.
Dokumentasi dalam bentuk modul informasi layanan dan produk dari Rinto Prudential Syariah Wonosobo.
Fuadi, Fachrul dan Ahmad Badi’. 2018. Analisis Akad Tabarru’ Perspektif Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) di Asuransi Jiwa Bersama Bumiputera Syariah Kediri, vol. 29 nomor 2 Juli-Desember 2018, Institut Agama Islam Tribakti (IAIT) Kediri.
Gunawan, Imam. Metode Penelitian Kualitatif. ACCADEMIA : accelerating the world’s research. Universitas Negeri Malang.
Habibullah, Eka Sakti. Prinsip-Prinsip Muamalah Dalam Islam. Sekolah Tinggi Al-Hidayah Bogor : AD-DEENAR.
This work is licensed under a Creative Commons Attribution 4.0 International License.