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All Journal Journal of Islamic Economic Laws Imara: Jurnal Riset Ekonomi Islam
Afiq Miftahurizqi Alhaq
Islamic University of Madinah
Religion Arts Humanities Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice

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Insurance and Takaful Concepts: An Islamic Analysis and Offer in Life Assurance Fuad Muhammad Zein; Anisa Rosdiana Zein; Afiq Miftahurizqi Alhaq
Journal of Islamic Economic Laws Vol 4, No 2: July 2021
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v4i2.14998

Abstract

This paper aims to provide a comparative analysis between the concept of insurance and the concept of takaful from an Islamic perspective. The method used in this paper is the study of libraries, in which the author seeks to find, summarize, analyze and ultimately deduce from various authoritative data sources. Insurance is a non-bank financial institution that offers protection against difficulties to the public. By paying dues or premiums that have been determined, the public has the right to make a claim that will be reimbursed by the insured party several funds that have also been determined. The insurer states to bear all risks that occur in the future. Therefore, all dues paid will be covered and managed by the company. However, it turns out that attitude is detrimental. Because the claim from the customer is not filed, then the customer's money is forfeited and entirely belongs to the company. In addition, the management of funds that are unclear and even almost unknown to customers makes this insurance practice illegal because it contains gharar and usury.
ANALYSIS OF THE EFFECT F REVENUE SHARE OF MUDHARABAH AND MUSYARAKAH FINANCING PROCEEDS ON RETURN ON INVESTMENT (ROI) OF AN ISLAMIC BANK: A CASE STUDY Azhar Alam; Maulidyah Indira Hasmarini; Novie Dwi Lestari; Afiq Miftahurizqi Alhaq
Imara: JURNAL RISET EKONOMI ISLAM Vol 7, No 1 (2023): IMARA:JURNAL RISET EKONOMI ISLAM
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v7i1.8684

Abstract

This study aimed to determine the effect of revenue sharing on the results of mudharabah and musyarakah financing on Return On Investment (ROI) at PT. Bukopin Sharia Bank 2011-2020. Islamic banks have two financing principles: profit sharing (mudharabah) and profit-sharing (musharaka). This study uses the Partial Adjustment Model (PAM) research method. The population in this study is Islamic banking which is included in the group of Islamic Commercial Banks. The sample used in this study is Bukopin Sharia Bank and is sourced from data from the Bukopin Sharia Bank's annual financial report data. The data used in this study uses secondary data, namely data obtained indirectly from the source in the form of data on the annual financial statements of Bank Syariah Bukopin taken from the official website www.syariahbukopin.co.id. From the research that has been done, the results show that the mudharabah and musyarakah financing variables have a positive effect on Return On Investment (ROI). Based on the results of this study, it is expected that Islamic banking will further increase mudharabah and musyarakah financing. These two products are the hallmarks of Islamic banks, namely profit sharing, because they can affect the rate of return on investment.
Co-Authors Anisa Rosdiana Zein Azhar Alam Fuad Muhammad Zein Maulidyah Indira Hasmarini Novie Dwi Lestari