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Studi Komparatif Asuransi Shari’ah dan Konvensional Moh. Asra; Rizqiyah Rizqiyah
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 3 No 2 (2019)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (220.078 KB) | DOI: 10.35316/istidlal.v3i2.155

Abstract

Insurance is an institution engaged in services and helping people. In Arabic, insurance is called "Al-ta’mȋn", means to provide protection. According to the National Sharia Board-Indonesian Ulama Council (DSN-MUI), shari'ah insurance is an effort to protect one another and to help one another among people or groups through investments in the form of assets or tabarru’ funds (endowment), and repayment. The essential of the Islamic insurance implementation is cooperation (ta'âwun). To maintain consistency in the implementation of sharia in the financial sector and the enhancement of the nation’s prosperity, tabarru’ funds (endowment) are considered to be the same as grants (donation) so that the funds donated cannot be canceled. There are fundamental differences between conventional insurance and shari’ah insurance because shari’ah insurance uses the principle of risk-sharing so that sharia insurance companies called the operators wouldn’t call the guarantors. Customers in sharia insurance companies called participants wouldn’t call guaranteed. Besides other differences are the contract, premium elements, ownership of fund, investment of fund, payment of claims, profit sharing, there is Sharia Supervisory Board, vision and mission, accounting methods, there is no charred fund, and there is no charge (loading).
Saham dalam Perspektif Ekonomi Syari’ah Moh. Asra
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 4 No 1 (2020)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (227.998 KB) | DOI: 10.35316/istidlal.v4i1.208

Abstract

Islam menganjurkan pada seluruh umatnya untuk bekerja dan mencari rizki dalam rangka memenuhi kebutuhan hidup baik untuk dirinya sendiri atau keluarganya. Bekerja untuk mencari rizki dalam Islam seperti atau sama dengan seseorang yang jihad di jalan Allah. Berinvestasi dalam rangka mencari keuntungan yang halal sangat dianjurkan dalam syari’ah. Salah satu bentuk investasi adalah memperjualbelikan saham (surat berharga sebagai bukti kepemilikan pada sebuah perusahaan), yaitu bentuk kerjasama dengan pihak lain dalam rangka mendapatkan keuntungan. Saham merupakan barang atau aset yang dapat diperjualbelikan di di bursa efek. Jual-beli saham bukanlah merupakan hal baru di negeri ini. Perdaganagn seperti bursa saham ini regulasi dan sistemnya sudah terorganisir dengan baik. Jual-beli saham adalah salah satu dari sekian banyak macam transaksi jual-beli. Jual-beli dalam ekonomi Islam adalah jenis dari kegiatan bisnis yang dapat dilihat dari banyak aspek, misalnya dari fikih mu’amalah (Hukum Ekonomi Syari’ah). Jual-beli saham (surat berharga yang menandakan kepemilikan seseorang atas suatu aset perusahaan tertentu, tentu saja dibolehkan sepanjang sesuai dengan prinsip-prinsip syari’ah, diantaranya tidak mengandung unsur gharar, tidak mengandung maysir dan sebagainya.
Implementasi Aplikasi al-Kafâlah di Lembaga Keuangan Syari’ah di Indonesia Moh. Asra
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 4 No 2 (2020)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (897.749 KB) | DOI: 10.35316/istidlal.v4i2.263

Abstract

Generally, al-kafalah is an act of combining the dependents of the insurer and the main insurer related to claims about life, debt, goods, or work. Al-kafalah is implemented by the existence of the insurer, the main insurer, the insured, and the dependents. This research primary source is literature, using a qualitative descriptive approach. Shaykh Mustofa Al-Khin and Shaykh Mustofa Al-Bugha quote the wisdom of al-kafalah through the maqashid syariah. He both explained that the al-kafalah procedure made it easier for someone to meet their needs through the principle of helping. Al-kafalah can protect the possibilities that occur during the transaction or as long as the debt has not been paid. Al-kafalah has been widely applied in financial institutions such as banks, as well as e-commerce based on the al-kafalah bi al-ujrah system which has previously been permitted by contemporary scholars. Meanwhile, al-kafalah which is based on tabarru 'in Indonesia is only found in the Indonesian Health Card (KIS) mechanism.