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All Journal CAUCHY: Jurnal Matematika Murni dan Aplikasi Desimal: Jurnal Matematika Zero : Jurnal Sains, Matematika, dan Terapan AXIOM : Jurnal Pendidikan dan Matematika InPrime: Indonesian Journal Of Pure And Applied Mathematics Jurnal Eurekamatika Innovative: Journal Of Social Science Research
Nina Fitriyati
UIN Syarif Hidayatullah Jakarta
Agriculture, Biological Sciences & Forestry Humanities Chemistry Computer Science & IT Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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Journal : Zero : Jurnal Sains, Matematika, dan Terapan

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Allocation of Tabarru's Funds in Endowment Premium Nina Fitriyati; Zharifah Zharifah; Dhea Urfina Zulkifli
ZERO: Jurnal Sains, Matematika dan Terapan Vol 7, No 2 (2023): Zero: Jurnal Sains Matematika dan Terapan
Publisher : UIN Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/zero.v7i2.18078

Abstract

In general, the premiums paid by participants in Islamic insurance are allocated into three components with specific proportions: administrative costs, participants' savings, and Tabarru's funds (mutual aid funds). Participants' savings and Tabarru's funds are invested according to Sharia principles, and the returns are shared (Mudharabah) between the participants and the company. This study analyses the allocation of Tabarru's funds and participant savings about the size of premiums using the Endowment method. Additionally, the investment results from Tabarru's funds and participant savings, as well as their distribution to participants and the insurance company, will be simulated. Premium calculations utilize the Indonesian Mortality Table (TMI) for the year 2011. The simulation results indicate that administrative costs and investment returns from premiums managed for male participants are larger than those for female participants. Therefore, the claim amount for male participants is likely to be higher compared to the claim, amount for female participants.
Co-Authors Azzahra Benita Devi Ila Octaviyani Dhea Urfani Zulkifli Dhea Urfina Zulkifli Dino Agustin Putra Irene, Yanne Irma Fauziah KHAERUDIN SALEH Mahmudi Mahmudi Maysun Maysun Nindita Nadilia Rustam Rustam Tamara Amelia Emaras Wijaya, Madona Yunita Yulinda Eliskar Zharifah Zharifah