Values ​​in Management Takaful

Values ​​in Management Takaful
 Islamic insurance is one of the instruments of transactions , which is operational systems adapted to Islamic law . So the contract , fund management mechanism , the mechanism of the company's operations , corporate culture ( corporate culture shariah ) , marketing , product , etc. must be in accordance with sharia . But the bottom line is also that the Takaful not solely have to run the operating system in accordance with Islamic principles . But more than that , he also had to implement a value into the "heart " of the principles of sharia .Adhering to these values ​​is very important . Because these values ​​sesusungguhnya which is the spirit of the operating system is done sharia . The loss of these values ​​will have an impact on hiilangnya " spirit " of sharia . For example, the relationship aspect mudaraba , where there are two parties ; shahibul maal ( capital owners ) , and mudharib ( businessman ) . Shahibul mudharib Maal asked to manage their funds , but with the proviso that the revenue sharing that would result halved to 90 % and 10 % Shahibul Maal to mudharib . In fiqh , mudharabah committed by both sides in the above is valid . Because it has met all the pillars and requirements mudharabah . But in " value " , the contract is flawed because it does not give justice to mudharib portion . Mudharib only benefit 10 % while 90 % shahibul maal . For this reason, in the run Islamic insurance business , also indispensable upholding Islamic values ​​, Islamic insurance operations in order to truly reflect the true Islamic spirit . Here are 10 fundamental value in the management of Islamic insurance , namely :


1 . The principle of Tawheed 
Tawheed is the fundamental principle in Islamic insurance . Because on every Muslim should underlying haekekatnya himself with monotheism in carrying out any activity of life , is no exception in bermuamalah ( read ; insured sharia ) . This means that the basic intention when the insured should be based on the Shariah principle of tawhid , expect the pleasure of Allah SWT . For example, in terms of the company , the principles used in sharia insurance is not merely profit , or capture market opportunities that are being tended to on the sharia . But more than that , the intention initially was to implement Islamic values ​​in the world of insurance . In terms of customers , sharia insurance is intended to trade in the form of mutual help which is based on sharia principles , and not merely for " protection " in the event of a disaster . Thus , the value of tawhid been implemented in the Takaful industry . Allah says :
And I created not the jinn and men but that they may worship Me . ( Surah 51 : 56 )

2 . Principles of Justice 
The second principle which becomes the values ​​in the implementation of Islamic insurance is the principle of justice . This means that Islamic insurance should really be fair , especially in making the relationship between the clients and customers , and between customers and Islamic insurance companies , relating to the rights and obligations of each . Islamic insurance should not be mendzalimi customers with things that would be difficult or detrimental to customers .Viewed from the side as an insurance company, the potential for injustice is enormous . As with any element of forfeited funds ( on saving products ) , where customers are already participating insurance ( eg insurance education ) with a particular period , but for some reason he canceled the membership midway . In Islamic insurance , saving customers money through premiums paid to be returned to the customer in question , the following investment results . Islamic insurance sometimes even feel confused when there is a customer saving funds that have withdrawn or disconnected in the middle of the period of insurance , then do not take the funds have dhubungi despite either by mail or through other media . Want dikemanakan this fund ? Because these funds do not belong to Islamic insurance , but belongs to customers . But the years have been notified or contacted , the customer in question did not take it well . It is certainly different from insurance in general . Allah says :O you who believe , you shall be the ones who always uphold the truth as God , bearing witness with justice . And do not ever hatred of a people , encourage you to apply unfair . Be fair , equitable because it is closer to piety . And fear Allah , surely Allah is Aware of what you do . ( Surah Al - Maidah / 5 : 08 )

3 . Please Principles to Help
 The spirit of mutual help is a very important aspect in the Takaful operations . Because the hekekatnya , the concept of Islamic insurance based on this principle . Where fellow participants bertabarru ' or charity for the benefit of other customers who suffered . The Customer is not charity to Islamic insurance companies , participants donate only to other participants only. Islamic insurance companies act as the manager alone . Consequently , the company is not entitled to claim or take funds tabarru ' customers . The company just getting from ujrah ( fee ) tabarru fund management ' , which is paid by the customer in conjunction with the payment of contributions ( premiums ) . Islamic insurance companies manage tabarru 'fund , to be invested ( sharia ) and later allocated to other customers afflicted . And with such a concept , means the customer has implemented a fellow helping each other , even though they are not among each other face to face . Allah says :
And please help was you in goodness and piety , and do not you help bertolong in sin and enmity . ( Surah Al - Maidah : 2 )

4 . Principles of Cooperation 
Between the customer and the cooperation established Islamic insurance company , depending on what the contract uses. With mudharabah musytarakah ( will be explained separately in the discussion about this particular contract agreement ) , established cooperation where the customer acts as shahibul maal ( capital owners ) while Islamic insurance company as mudharib ( manager / entrepreneur ) . If there is a benefit from the fund , it will be divided based on the agreed ratio , eg 40 % for Islamic insurance companies and 60 % for customers . When cooperation are good , customers fulfill their rights and obligations , as well as Islamic insurance companies fulfill their rights and duties as well, then the pattern will be established good cooperation relationship also , which God willing will bring a blessing on both sides .

5 . The principle of Amanah 
Amanah is also a very important principle . Because this life is essentially a mandate that would have to be justified before God Almighty . Companies are required to manage the trust fund premiums . Likewise, customers , need to trust in the aspect of risk that happened . Do not let the customers do not trust in the sense that there is something so ridiculous that it should not claim to be a claim which would result in harm other participants . The company was also such, should not be arbitrary in taking advantage , the impact on customer harm . And transaction trust, will bring the perpetrators to get heaven . Rasulullah SAW said :
An honest businessman longer trustworthy , ( later to be collected in the afterlife ) with the prophets , siddiqin and martyrs ' . (Narrated Turmudzi ) 


6 . Principle of Mutual Rida ( ' An Taradhin )
 In any transaction , an aspect taradhin or should be pleased to be with each other . Customer pleasure of funds managed by insurance companies are trustworthy and professional sharia . Islamic insurance company 's approval and obtain any mandate entrusted customers in managing contributions ( premiums ) them . Likewise, the customer 's approval of funds allocated to other customers nasbah - afflicted , to lighten the burden of their suffering . With this principle , the Takaful helping each other make has a broad and deep meaning , because everything is helping with sincerity and pleasure , in collaboration with sincerity and pleasure , as well as transact with sincerity and pleasure as well . 


7 . Principle Avoiding Riba 
Usury is a form of transaction that should be avoided as far as possible , especially in insurance. Because usury is sebatil - batilnya muamalah transaction . Depth smallest sin of usury is like committing adultery with his own mother ( see the enormity of the sin of usury , in this blog ) . Contributions ( premiums ) paid by the customer , must be invested in accordance with Shariah investment and it is obvious halal . Likewise, the operating system should also deploy an Islamic insurance concept of risk sharing , which is based on contract tabarru ' , thus eliminating the element of riba in Islamic insurance benefits administration ( claims ) to customers . 


8 . Avoiding Gambling Principles.
 Insurance if conventionally managed to bring the element of gambling ( gambling ) . Because a customer may be paying a premium of up to a dozen times but never claim . On the other hand there is a new one-time customers who pay premiums and claims . This happens , because the basic concepts used in conventional insurance is the concept of transfer of risk . Where the conventional insurance companies when it receives a premium , the premium automatically become the property of the company , and when any claim is paid from the company's account . So the company can profit besara ( makala premiums and claims a bit much ) , or it can lose a lot ( when premiums and claims a bit much ) . 


9 . Avoiding the principle of Gharar 
Gharar is uncertainty . And talk about the risks , is talking about the lack of clarity . Because risk can not be happening . And in Islamic law , we are not allowed to trade related aspects of obscurity . In insurance ( conventional ) , participants did not know whether he got the claim or not ? Because the claims are very dependent on the risk that happened . If there is a risk , then he will be able to claim , but if not then he is not assigned the claim . Things like this into existence gharar , because the contract or concept used is the transfer of risk . Whereas if you use sharing aspects of risk , lack of clarity was not an gharar . But be something to watch out for, if there is a fellow customer who will help each other to the affected participants , drawn from tabarru 'fund managed by the Islamic insurance company ( not from corporate funds ) . 


10 . Avoiding principle risywah
 In conducting its business , both parties and the Islamic insurance customers should abstain as far away from aspects risywah ( bribe bribe or bribery ) . Because whatever he argued , would definitely benefit risywah one hand , and surely there will be other parties aggrieved . Customers should not be bribed officers for example in order to get the benefit of insurance ( claims ) . Or otherwise the company does not need to be bribed in order to obtain premium ( contribution ) insurance . But all must be done well , transparent , fair and based on the Muslim brotherhood .Here are ten basic principles in Islamic insurance management mechanism . And how beautiful these ten principles , if implemented well in Islamic insurance . And after reading these ten principles , do not you interested in sharia insurance ... ?

Wallahu A’lam bis shawab