Kesesuaian Operasional Produk Asuransi Syariah dengan Fatwa DSN MUI No:21/DSN-MUI/X/2001 (Studi Kasus AJB Bumiputera 1912 Cabang Surabaya)
Abstract: Sharia insurance in
Indonesia has experienced a fairly rapid development since the promulgation of
MUI fatwa number:21/DSN-MUI/X/2001 about sharia insurance. However, that is
still questionable is does the sharia insurance company really run the product
operational based on MUI fatwa.
This study aims to determine whether product operational of sharia
insurance of AJB Bumiputera1912 is in conformity with the sharia rules to
follow six indicator akkad, premi, claims, investment, reinsurance, and
management of the fund from MUI fatwa or not.
The research method is used is a case study with a qualitative
descriptive approach. The data used in this study is that the data derived from
primary data obtained from fieldwork and secondary data derived from the
literature and a wide range of written document. This study using data derived
from the management of sharia insurance AJB Bumiputera 1912 in the branch of
Surabaya and sharia insurance participants of AJB Bumiputera 1912.
The results of this research is operational products of sharia insurance
of AJB Bumiputera 1912 were in accordance with Indonesian Ulama Council fatwa
DSN Number:21/DSNMUI/X/2001. The suitability reflected from the existence of
akkad tabarru’ and akkad tijarah as investment funds (mudharabah), management
of premium funds based on sharia, claims fund based on first contract,
investment made in accordance with the mandate of participants, then
reinsurance process done only to sharia-based reinsurance company.
Keywords: Syariah Insurance,
Product operational, Fatwa DSN MUI
Penulis: Rian Rahmat Hidayat,
Irham Zaki
Kode Jurnal: jpmanajemendd151393
