BASIC CONCEPTS TAKAFUL
Sharia -based insurance began to be worked by a few companies with the establishment of sharia division . With the continued development of Shariah -based products , then we
saw the need to introduce a specifically Islamic insurance products .
Before entering the principles and mechanisms of these products , many Muslims who think that insurance is haram . Is it true ? Join the discussion below .
Some people believe that Islam equals insurance against qodlo and Qadr or contrary to fate . Basically Islam recognizes that accidents , misfortune and death is the destiny of God . It can not be denied . It's just that we as human beings are also instructed to make plans for the future. Allah says in surat Al- Hashr : 18
" O ye who believe! Was devoted to God and let every soul consider what has been done for tomorrow ( future ) and devoted to God ye . Actually means Allah knows what you do " .
Obviously, in this paragraph we dipertintahkan to plan what we will do for the future .
In the Qur'an , Surat Yusuf :43 - 49 , God describes examples of human endeavor protection systems face the possibility of forming a bad future . In summary , this verse tells about his dream neighbor Egyptian king questions to the Prophet Joseph . Where the king of Egypt had a dream saw seven fat cows being eaten by seven skinny cows , and he also saw the seven green stalks of grain and seven fruiting red stalk dries unfruitful .
Joseph replied that in this case you planting of seven years and the result is stored partly let . Then after that will come seven years were very difficult , which spend what you save for hard times menghadapapi proficiency level , except a little of what is stored .
It is clear in this verse we are encouraged to try to maintain the continuity of life with the possibility meproteksi poor condition . And the verse above clearly states that berasurnasi not conflict with destiny , even God recommends that efforts be made towards the future planning with sisitem protection known in the insurance mechanism .
So , if the system or insurance protection is justified , the next question is : whether the insurance as we know it ( conventional insurance ) has met the other requirements in the concept in Islamic Muamalat . In conventional insurance mechanism , especially life insurance , there are at least three things that are still forbidden by the scholars , namely : the element of gharar ( obscurity funds ) , the element of gambling ( gambling / gambling ) and riba ( interest ) . These will be described in a detailed exposition of the differences between conventional and Islamic insurance .
" O ye who believe! Was devoted to God and let every soul consider what has been done for tomorrow ( future ) and devoted to God ye . Actually means Allah knows what you do " .
Obviously, in this paragraph we dipertintahkan to plan what we will do for the future .
In the Qur'an , Surat Yusuf :43 - 49 , God describes examples of human endeavor protection systems face the possibility of forming a bad future . In summary , this verse tells about his dream neighbor Egyptian king questions to the Prophet Joseph . Where the king of Egypt had a dream saw seven fat cows being eaten by seven skinny cows , and he also saw the seven green stalks of grain and seven fruiting red stalk dries unfruitful .
Joseph replied that in this case you planting of seven years and the result is stored partly let . Then after that will come seven years were very difficult , which spend what you save for hard times menghadapapi proficiency level , except a little of what is stored .
It is clear in this verse we are encouraged to try to maintain the continuity of life with the possibility meproteksi poor condition . And the verse above clearly states that berasurnasi not conflict with destiny , even God recommends that efforts be made towards the future planning with sisitem protection known in the insurance mechanism .
So , if the system or insurance protection is justified , the next question is : whether the insurance as we know it ( conventional insurance ) has met the other requirements in the concept in Islamic Muamalat . In conventional insurance mechanism , especially life insurance , there are at least three things that are still forbidden by the scholars , namely : the element of gharar ( obscurity funds ) , the element of gambling ( gambling / gambling ) and riba ( interest ) . These will be described in a detailed exposition of the differences between conventional and Islamic insurance .
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