Understanding Sharia Insurance and the Difference with Conventional Insurance

Currently, there are many types and benefits offered by insurance, where every insurance company has a variety of features and advantages in each product they spend. But as a prospective user, it is reasonable if we understand and know well insurance that we will choose and use. This will help us to get maximum benefit and benefit from the usage.

Over the last few years, Takaful insurance became one of the insurance products that many talked about in the community. This insurance is present to meet the interests and desires of many people who expect a kosher insurance products and in accordance with the provisions of sharia.

According to the National Sharia Council, Takaful is an effort to protect each other and help one another among others, where this is done through an asset investment (tabarru) that provides a pattern of return to face certain risks through appropriate contracts with sharia. In Takaful Insurance, a system applies, in which the participants will grant a part or all of the contributions that will be used to pay the claim if there are participants who experienced the disaster. In other words, it can be said that, in Takaful insurance, the role of the insurance company is limited to the operational and investment management of a number of funds received only. In Indonesia, sharia insurance is widely available in various life insurance products and health insurance that can be obtained easily through private insurance companies.

Differences between Sharia and Conventional Insurance

In its development, Takaful insurance has many advantages and advantages when compared with conventional insurance. This, of course, makes a fundamental difference between the two types of insurance. For example, if you want to apply for a sharia health insurance from Prudential, Allianz, Sinarmas or AIA, there are of course some advantages compared to ordinary health insurance. Here are the differences between Takaful and conventional insurance in general:

• Risk Management

Basically, in Takaful Insurance a group of people will help each other and help each other, mutual guarantee and work together by collecting grant funds (tabarru'). That way it can be said that risk management is done in the Takaful is using the principle of sharing of risk, where the risk is charged/divided to the company and the participant of the insurance itself.

While in conventional insurance apply the system of transfer of risk, in which the risk transferred/charged by the insured (the insurer) to the insurance company that acts as the insurer in the insurance agreement.

• Fund Management

The management of funds made in the Takaful insurance is transparent and is used as much as possible to bring benefits to the policyholders themselves.

In the conventional insurance, the insurance company will determine the number of premiums and various other costs aimed at generating revenue and profits as much as possible for the company itself.

• System of Agreement

Within Takaful insurance, only a grant contract (tabarru) is based on the sharia system and it is halal. While in conventional insurance akad done tend to be same with a sale and purchase agreement.

• Ownership of Funds

In accordance with the contract that is used, then in the Takaful insurance fund is a joint property (all participants of insurance), where the insurance company only acts as a fund manager only. This does not apply to conventional insurance, as the premium paid to the insurer belongs to the insurer, in which case the insurance company will have full authority over the management and allocation of insurance funds.

• Distribution of Profits

Within Takaful, all profits earned by the company in relation to the insurance fund will be distributed to all participants. But it will be different from conventional insurance companies, where all the profits earned will be the property of the insurance company.

• Obligation of Zakat

Islamic insurance companies require participants to pay zakat whose amount will be adjusted to a number of profits earned by the company. This is not true in conventional insurance.

• Claims and Services

Within Takaful Insurance, participants can take advantage of the protection of hospitalization costs for all family members. Here the system applies the use of the card (cashless) and pays all bills arising.

One insurance policy is used for all family members, so the premiums imposed by Takaful insurance will also be lighter. This is not the case in conventional insurance, where everyone will have their own policies and the premiums charged will certainly be higher.

Sharia insurance also allows us to double claim, so we will still get the claim that we submitted even though we have got it through our other insurance.

• Supervision

Within Takaful, supervision is conducted strictly and implemented by the National Sharia Council (DSN) established directly by the Indonesian Ulema Council (MUI) and is tasked with overseeing all forms of implementation of sharia economic principles in Indonesia, including issuing fatwas or laws governing them. In every syariah financial institution, there should be a Sharia Supervisory Board (DPS) that serves as supervisor. This DPS is representative of the DSN in charge of ensuring that the institution has implemented Sharia principles correctly.

DSN is then tasked to conduct supervision of all forms of operations carried out in the Takaful, including considering all forms of the property insured by insurance participants, where it should be halal and free from haram. This will be seen from the origin and source of the property and the benefits it generates.

Unlike conventional insurance, where the origin of the insured object is not a problem because what the company sees is the value and premium that will be stipulated in the insurance agreement.

• Investment Instruments

It also becomes a big difference in sharia and conventional insurance. Within Takaful Insurance, investments can not be made in various business activities that are contrary to sharia principles and contain haram elements in their activities. Included in this activity are:

1. Gambling and games belonging to gambling. Trade prohibited by sharia, among others: trades that are not accompanied by the delivery of goods/services, and trade with bogus supply/demand. Ribawi financial services, among others: interest-based banks, and interest-based financing companies. Buy and sell risks that contain elements of uncertainty (gharar) and/or gambling (maisir). 
2. Producing, distributing, trading and/or providing various goods, such as haram li-dzatihi goods, or goods or services forbidden by the substance (haram li-ghairihi) stipulated by DSN-MUI. Conducting transactions that contain elements of bribe (risywah).

Such provisions, of course, do not apply to conventional insurance, because basically in conventional insurance companies will conduct various investments in various instruments aimed at bringing the maximum profits for the company. This can be done without using/considering the haram or not the selected investment instrument, because basically in the conventional insurance fund that is actually funds owned by the company and not the owner of the insurance policy, so the company has full authority in the use of funds, including in choosing the type of investment to be used.

• Hanged funds

In some types of insurance issued by conventional insurance companies, we recognize the term "charred funds" which is the case with unclaimed insurance (eg life insurance that the policyholder does not die until the coverage period ends). But such a thing does not apply to Takaful insurance because the funds can still be taken even though there is a small portion of which is tabled as tabarru funds.Confused looking for the best and cheapest health insurance? Check out the solution!

Understanding of Sharia Insurance Description Comment

Understanding of Sharia Insurance 

The definition of Sharia Insurance based on the National Sharia Council (DSN) and the Indonesian Ulema Council (MUI) is a mutual protection effort and help among a number of people through investments in assets and / or tabarru' that provide a pattern of return to deal with certain risks through the Agreement in accordance with sharia.

Sharia Insurance is a system in which participants donate part or all of the contributions/premiums they pay to be used to pay claims for the disasters experienced by some participants. The process of the relationship of participants and companies in the mechanism of coverage on Islamic insurance is sharing of risk or "bear the risk". In the event of a disaster, all Sharia Insurance participants bear each other. Thus, there is no risk transfer ( transfer of risk or "risk transfer") from the participant to the company as in conventional insurance. The role of insurance companies in sharia insurance is limited only as the holder of the trust in managing and investing funds from contributions of participants.

So in Takaful Insurance, the company only acts as an operational manager only, not as an insurer as in conventional insurance.

Tabarru' 

The definition of tabarru' is donation or charity (in Islamic definition is Grant ). This donation or charity ( grant ) or benefit fund is given and sanctioned by the Takaful participant if at any time it will be used to pay the claim or other insurance benefit.

With the tabarru' funds from the participants of this Takaful Insurance then all the funds to bear the risk collected by the participants themselves. Thus the policy contract on the Takaful insurance places the participant as the bearer of the risk, not the insurance company, as in conventional insurance.

Because the funds collected and used from and by the participant must be managed well in terms of administrative and investment, for the participant authorize the insurance company to act as the operator in charge of managing the funds properly.

So it is clear here that the position of sharia insurance companies is only as a manager or operator only and NOT as the owner of the funds. As a manager or operator, the function of the insurer only MANAGES the funds of participants only, and managers may not use those funds if there is no power of the participants.

Thus the element of uncertainty ( Gharar ) and the chances ( Maysir ) will be lost because:

1. The position of the participants as the owner of the fund becomes more dominant compared with the position of the company that only as a fund manager only participants. 
2. Participants will receive benefit sharing from tabarru' funds collected. 

This is certainly very different from conventional insurance ( non-sharia ) in which the policyholder does not know exactly how much the premiums collected by the company, whether the amount is greater or smaller than the payment of claims made, because here the company, as underwriters, are free to use and invest funds anywhere.

Education Fund Insurance / Takaful Dana Pendidikan

 Education Fund Insurance / Takaful Dana Pendidikan (Fulnadi)

Fulnadi is an individual insurance program that aims to provide educational funding for the participant's sons and daughters up to graduate level education with the benefit of protection against the risk of dying.

Benefits of Takaful Dana Pendidikan

1. If the Participant is long to the end of the agreement, the Child as Grantee receives:

• Stages* upon admission (kindergarten, elementary, junior high, high school, PT) ** and 4 years of scholarship in university.

2. If the Participant resigns before the term of the agreement, the Participant obtains:

• Cash value

All funds in the Participant's Savings Account derived from the savings balance and the profit share of the investment proceeds (mudharabah).

3. If the Child as Grantee dies before all stages are received Participant / Heirs get:

• Cash value
• Benefit of 10% Early Takaful Benefit (Annual Premium X Period of Agreement)

4. If the Participant suffered an accident during the term of the agreement

Premium Policy, Heirs get:

• 50% Benefit Benefit Takaful (if died due to sickness or total permanent disability due to an accident) or 100% Early Takaful Benefit (if died by accident).
• Cash value

Child as Grantee receives:

• Stages at the time of admission (kindergarten, elementary, junior high, high school, PT) **
• Scholarships every year since Participants experienced the disaster up to 4 years of Higher Education

If after the expiry of the agreement and still in the award of scholarships in the College Participants experiencing disaster

• Dying due to sickness or total permanent disability due to accident, the Beneficiary will receive the Cash Value
• Died by accident, his heirs will receive a Cash Value and compensation of 50% The benefits of Takaful Beginning
• Grant Recipients will continue to receive Scholarships up to four years in Higher Education

Note:

* If Stages due not taken will be invested and will add Scholarship at the time in Higher Education

** As per the terms of the agreement

Benefits and Benefits of Medicinal Herbs: Ginger, Weight Loss

Benefits of Medicinal Herbs: Ginger, Weight Loss

Ginger is one of the most useful herbal plants to lose weight because of some important benefits contained in it. For those of you who want to lose weight, there is no harm to try the benefits of herbal medicine weight loss ginger.

Ginger does have the properties of heat/heat that can improve metabolic functions in the body so that helps in burning fat more optimal. That's why ginger is known as an herbal remedy that has the benefit of losing weight, to find out information about the benefits of ginger can see it below:

1. Lose Weight
Ginger is very suitable for diet because that's this ginger can reduce weight because it increases metabolism in the body. People who drink ginger wedang will usually feel warm and metabolism becomes smooth because that's the burning of fat in the body also becomes increased.

2. Minimize Stomach
In addition to losing weight, it turns out ginger is also able to shrink the stomach so that the size of the large and bulging stomach can be reduced. You only need to drink ginger wedang every day while on a diet, the content of ginger can increase the thermal effect so that fat and calories in the body can be reduced.

3. Controlling Appetite
It turns out ginger than can lose weight can also control your appetite so you will not eat too much anymore. Usually, a person whose appetite increases will eat more throughout the day causing obesity.

By eating ginger wedang, you will feel full longer so it is not easy to eat. This will be very helpful in the diet program because that's if you want your diet to work, then consume wedang ginger so you can control your appetite.

In addition to filling and controlling appetite, it turns out herbal weight loss ginger can improve digestion function. So that digestion is better and healthier, eventually, the body will digest vitamins and minerals that enter very well.

That's some of the benefits of herbal weight loss ginger so you who want to lose weight decreased appetite to shrink the stomach can use wedang ginger. Do not forget also to visit www.resepherbal.xyz to see various herbal remedies for diet, thank you.

Sharia Insurance: something Solution, Session 1

Sharia Insurance: something Solution 

When Pak Rahman died the article of the car he had just bought collided, it was said that the 'left behind' is not just something new car is badly damaged, but also a widow 2 people. Besides that 60 months of home 36 type of installment burden is still left.

It is unimaginable how much the financial burden (the financial risk) that a young widow can rely on so far to rely solely on the income of the private employee's husband. rich how well with the future of two children? Could it be that he grew up as well as educated as any other child?

He is definitely not a real story, but it is not impossible to be faced by anyone. if so, how rich is the anticipation?

From an Islamic point of view, helping and sympathizing with those who feel disaster is nothing. various verses of the Qur'an hinted at that, among others in the letter of Al-Baqarah verse 177 and the letter of Al-Maa'un verses 1-7.

This whole is nothing but a manifestation of concern for others and is also an indication of piety to Allah SWT. Is not the Prophet SAW already implies if the people believe between one another is like a mutually reinforcing buildings, so that if one area suffers from pain, the other areas of the body will also feel it.

In addition, Allah SWT also asks our earnest view for not carrying a generation that is not strong (Surat An-Nisa: 9), whether akidah, intelektualitas, economic or physical

The problem, how rich the noble guidance is done and institutionalized so that it can include more audiences, in addition, to help or compensation provided is meaningful enough to empower or restore the financial situation of those affected by the disaster.

There is a meaningful hadith: "The unmodified truth will be overcome by systematic evil"

Insurance 

The usual preventive solutions offered in countering similar questions are insurance, which consists of:

General Insurance, which is a type of protection associated with loss or damage/loss of property owned by a person. Life Insurance, which is a type of protection associated with the life of a person's death.

Three types of life insurance product base: term insurance (term insurance, benefits paid when feeling dead accident in time ), whole life insurance insurance insurance (dual insurance, a benefit of insurance is paid when the participant dies in time of the agreement or live until the end of the agreement). (life insurance, insurance benefits paid when the participant dies).


Next To: Session 2

Sharia Insurance: something Solution, Session 2

...... before

Any type and type of insurance, based on the principle of cooperation (cooperation) and mutuality (mutuality), which is actually in line with the principles of Islam. The principle of cooperation and mutual help in insurance is operationally translated as an agreement between the insurer (insurance company) and the insured (the insurer) with the insurer get premium from the insured to find the insured when the insured feel the loss, destruction or loss due to uncertain events and with not deliberate; or the insurer distributes a payment based on the death or life of a person.

Reference insurance by such operational pattern, based on its contract can be classified as an exchange (raqad mu'awadhah), such as buying and selling. Insurers (insurance companies) distribute guarantees or coverage to the insured and make it the insured (the insurer) to pay the premium. The amount of warranty as well as the premium and time of the agreement are agreed upon by the parties

This method of exchange in the attention of Islam contains defects in the form of uncertainty or gharar, the chapter is based on an uncertain event. The dual-purpose product, for example, the participant is obliged to pay the premium if the participant lives during the time of the agreement to find the sum insured. Uncertainty in this instance is the amount of premium paid, the premium payment article is based on the life or death of the participant at the time of the agreement. if reversed for insurance products futures, uncertainty is within the amount of coverage that will be accepted by the insured

Furthermore, transactions containing uncertainty similar to this may be detrimental to either party, which is the most commonly disadvantaged parties. Participants or their heirs can get the sum insured is greater or less than the premium paid or not get the sum assured equivalent. In other words, insurance is identical with the chances, which in Islamic fiqh terminology is said to be maysir. In other problems, if the participant stops before the expiration of the agreement, especially towards the beginning of the agreement period, the participants will not find the return of the paid premium (charred) or find the return in a very small amount compared to the premium they have paid. some of the premium funds received by the company after that are invested. In this connection, the exchange contract does not require clarity in the allocation of premium funds, the article of premium funds already paid by the competitor, the status of the company

Thus the company can invest the premium funds anywhere and with any method, including in the areas of business that contain elements of immoral or prohibited by the Shari'a (riba, liquor, pornography, etc.). if the premium fund and the result of its investment become the origin of the money of sum insured, the participants who get the sum insured can not distance themselves from consuming the ribawi funds and funds sourced from other vice business

Sharia Insurance

The noble teachings of Islam command us to help people who lost property, the death of relatives, or other calamities. the treatment is none other than the form of awareness and solidarity (itsar), and help-help (ta'awun) between the population of society, whether Muslim or non-Muslim. With such methods, the sense of brotherhood (ukhuwah) will be more robust. Those who are calamitous are not overwhelmed with sadness that is protracted and does not fall into despair, even avoids the possibility of falling into poverty or loss of time ahead. However, the ways of sponsorship are immediately in line with the Shari'a (42:13). should not contain elements of gharar (uncertainty), maysir (chancy), usury, and other things that are immoral. In other words, ta'awun as soon as possible placed on the values ​​of piety for the virtue, and not the violation of sharia law that can trigger disagreement or hostility. this subject is as God commands in the letter of Al-Maidah: 2: "Help one another to help you in virtue and piety, and do not help each other -help in sin and hostility"

Takaful Insurance is none other than alternative process, precisely substitute, over conventional insurance pattern that applies process or Akad exchange that is not in line with syariat Islam. against the Takaful process, each participant intends to help one another by setting aside some funds as a contribution of virtue (tabarru '). This fund is used to support anyone among the insurance participants who feel the calamity. So not in the form of an exchange contract between the two parties, but a contract for mutual help-help (takaafuli) among all participants

All the premium funds collected are managed by the company for investment, reinsurance, benefit distribution, and distribution of operating surplus. for all these management services, the company requests a defined contribution of participants and approved by the participant and the area of the operating surplus as agreed by the company with the participant whose percentage is determined from the beginning

Solidarity, Transparency, and Consistency

The phenomenon of Takaful insurance is a unique phenomenon (al-ghuraba) in the midst of capitalistic and individualistic economic currents. Financially, the Takaful process allows for better (benefit) benefits. synonymous with it, the spirit of solidarity was fostered through the contribution fee (tabarru ') insurance participants

The tabarru system ' as well as the result (mudharabah) defined in the Takaful operational scheme requires transparency in the level of funds and management. Similarly, in the case of management cost contributions, set aside from the first-year premiums, is clearly defined and becomes the area of the participant's agreement. By that article from the beginning, the participants clearly recognize the premium components they deposit, ie tabarru '(duty contributions), savings (absolute rights of participants), and contribution of management costs (30% of first-year premiums). besides that, the participants can look at the pernyebaran from time to time pernyebaran the cash value of the policy, namely the accumulation of savings and share the results. Therefore when the participant intends to resign within the terms of the terms of the article a matter, the cash value that can be received can be calculated in value as well as clear the source (derived from savings as well as revenue share). Similarly, death claims received by the participant heir, consisting of the benefit of insurance or compensation of virtues (sourced from tabarru- tabarru 'participants), the savings have been deposited and the result of the savings

In the case of investment, in addition to profitability considerations, business conformity with the provisions of sharia is none other than the investment decision indicator factor. By that article, the role of the Sharia Supervisory Board becomes very serious in the dynamics of the development of sharia insurance business, the subject that is not created in conventional insurance

Finally, it should not be mistaken if it is called if the operationalization of Sharia Insurance as described above and the involvement of the Sharia Supervisory Board in the entire chain of activities and products of Sharia Insurance describe the consistency of Takaful Insurance as a process of ta'awun (cooperation of help-help) the value of Islamic sharia.

Sharia Insurance Fund Management

Sharia Insurance Fund Management

In the actual operation of Sharia Insurance is mutual responsibility, help-help and protect the participants themselves. Insurance companies are entrusted (trust) by the participants to manage premiums, develop in lawful ways, provide compensation to the unfortunate according to the contents of the deed of agreement.

The profit of sharia insurance companies is obtained from the profit share of the participants' funds, which are developed under the mudaraba principle (profit sharing system). Sharia insurance participants are domiciled as capital owners and sharia insurance companies function as those running capital. Profits derived from the development of funds are shared between participants and companies in accordance with agreed terms.

The fund management mechanism of participants (premiums) is divided into two systems, namely; Systems that contain elements of savings and Systems that do not contain elements of savings.

1. System containing elements of savings 

Each participant is required to pay a certain amount of money regularly to the company. The amount of premium to be paid depends on the ability of the participants. However, the company determines the minimum amount of premiums that can be paid. Each participant can pay the premium, through a checking account, current account or pay directly. Participants can choose how to pay, whether monthly, quarter, semester or year.

Each premium paid by the participant will be separated by the insurance company in two different accounts, namely:

a. Savings Account, which is a collection of funds belonging to the participant, paid when:

• Agreement expires
• Participants resign
• Participants died

b. Tabarru 'Account, which is a collection of funds intended by the participants as a duty of virtue for the purpose of mutual help-help and mutual assistance, paid when:

• Participants died
• The agreement has expired (if there is a surplus of funds)

This fund of participants will be invested in accordance with Islamic sharia. Each profit from the investment proceeds, net of the insurance expense (claims and reinsurance premium), will be divided according to Al-Mudharabah principles. The percentage of mudharabah distribution (profit sharing) is made in a fixed ratio based on the cooperation agreement between the company and the participant.

2. Systems that do not contain elements of savings 

Any premium paid by the participant will be included in the Tabarru Account, which is a collection of funds intended by the participant as a duty of virtue for the purpose of mutual help-help and mutual assistance, and is paid when:

• Participants died
• The agreement has expired (if there is a surplus of funds)

This fund of participants will be invested in accordance with Islamic sharia. Profits from the investment proceeds after deducting the insurance expenses (claims and reinsurance premiums), will be shared between participants and companies according to Al-Mudharabah principles in a fixed ratio based on the agreement between the company and the participants.

5 High Blood Herbal Drugs Guaranteed

5 High Blood Herbal Drugs Guaranteed

High blood is one of the diseases that can cause more severe disease, high blood itself is caused by blood pressure in the arterial channels that have increased.

For those of you who have hypertension / high blood disease, you should take some hypertensive herbs or hypertension drugs on a regular basis. Herbal medicine for high blood is very tasty and is often consumed by many people, curious what is the medicine? Let's refer to the following reviews:

1. Cucumber
Herbal headaches are not much different from high blood pressure because usually headaches are also caused due to high blood pressure. The fix is ​​to consume cucumber because the cucumber itself contains potassium minerals that can lower high blood pressure.

You just need to consume raw cucumber every day and can be used as a juice, but not too often also because it can lower blood pressure too much. So consume it regularly but still not too excessive because it is not good for your health.

2. Cantaloupe
Herbal next hypertension is Blewah which is one of the commonly presented fruits when the month of Ramadan because it is very refreshing. Cantaloupe has a potassium mineral content as well so consuming blewah every day will keep high blood pressure still normal.

3. Seaweed
Seaweed is a Herbal remedy for high blood then you must know because seaweed can lower high blood pressure. Japanese research shows that seaweed is able to treat hypertension and beneficial for those of you who have high cholesterol.

4. Onion Bombay
The next high blood herbal drug is a Bombay onion that is useful for controlling blood pressure and suppress cholesterol levels in the blood. The trick is to consume onions regularly Bombay 4 times a week for maximum results.

5. Mengkudu
Mengkudu is a fresh fruit that smells less savory, but this fruit is rich in health benefits. Mengkudu can be used as high blood medicine by consuming raw, can be used as juice or consume directly, add honey to make it more delicious.

That's 5 high blood herbal medicines that you can make your own, and do not forget also we recommend the herbal remedies with affordable prices and potent so you do not have to bother making it, just check it on www.resepherbal.xyz , thank you.

Differences between Sharia and Conventional Insurance

Differences between Sharia and Conventional Insurance

There are seven fundamental differences between Takaful and conventional insurance.

The differences are:

1. Asuransi Syari'ah has a Sharia Supervisory Board (DPS), which oversees the marketed products and fund investment management. This Sharia Supervisory Board is not found in conventional insurance.

2. Akad which is implemented on sharia insurance based on help, please. While conventional insurance based on buying and selling

3. Fund investment in sharia insurance based on profit sharing ( mudharabah ). Meanwhile, conventional insurance uses interest ( riba ) as the basis for calculating the investment

4. Ownership of funds in sharia insurance is the right of participants. The company only as the holder of the trust to manage it. In conventional insurance, funds collected from customers (premiums) belong to the company. Thus, the company is free to determine its investment allocation.

5. In the mechanism, Sharia insurance does not recognize the charred fund as found in conventional insurance. If during the contract period the participant is unable to continue paying the premium and wishes to resign before the reversing period, then the entry fee may be taken back, except for a small portion of the intended funds for the tabarru '.

6. The payment of claims on sharia insurance is taken from tabarru' funds (funds of virtue) of all participants who from the beginning have been informed that there is a provision of funds that will be used as a fund to help each other the participants in case of disaster. While on conventional insurance claims payment is taken from the company's funds account.

7. Profit sharing on Shariah insurance is shared between the company and the participant in accordance with the principle of profit sharing with a predetermined proportion. While on conventional insurance all profits become the property of the company.

5 Natural Herbal Throat Herbal Remedy

5 Natural Herbal Throat Herbal Remedy

Are you suffering from pharyngitis or strep throat? Usually, strep throat occurs due to a viral infection like the case of flu in general. A sore throat does look simple, but this sore throat can cause difficulties for the sufferer.
For example, can not swallow food properly, because that's what a sore throat should be treated with herbal medicine sore throat. Confused with herbal remedies for a good sore throat and potent? Try these herbal remedies:

1. Salt Water
Herbs are something natural so salt water is also a natural remedy and you can get it easily. Spice this one kitchen has antiseptic properties that can kill bacteria/virus causes a sore throat. You can rinse or drink the salt water, so it's hard not for this first way?

2. Garlic
Herbal cough medicine next is Garlic which is a spice kitchen as well and very easy to find in your home. Chew garlic that is still raw until smooth, take water with normal temperature, then use to rinse, do not forget to eat honey to relieve the discomfort.

3. Lemon and Honey
Herbal cough phlegm that also works is lemon and honey which will usually be the right choice because it tastes good enough. How to squeeze 1 piece of fresh lemon, then mix with honey according to taste and drink the mixture until it runs out.

4. Chicken Soup
A herbal cough next is the most delicious because you have to eat chicken soup because the warm gravy chicken soup is able to cure your sore throat. But for those of you who usually eat chicken soup with chili sauce should avoid it this time because it can cause more severe throat inflammation.

5. Wedang Ginger
Ginger is a traditional herb that can warm the body, it has a content of singiberin compounds that can launch blood circulation. Not only that, it turns out ginger can also eliminate toxins and overcome the inflammation of the throat.

Herbs gingivitis this ginger you can make by preparing first spice fresh ginger and hot water one glass. Mash the ginger, then brewed with hot water, and natural honey and drink ginger wedang so that your throat warm.

That's some kind of herbal sore throat that you can try, if you need various info about herbal medicine sore throat can visit www.resepherbal.xyz , thanks.

Know the Basic Concepts of Sharia Insurance

Know the Basic Concepts of Sharia Insurance

Some Muslims assume that insurance is the same as opposing qodlo and qadar or contrary to destiny. Islam basically recognizes that accidents, misfortunes, and death are God's destiny. This can not be denied. It's just that we as human beings are also ordered to make plans to face the future. Allah says in the letter of Al-Hashr: 18, which means "O ye who believe put your trust in Allah and let every self-pay attention to what has been done for tomorrow (future) and pious you to Allah. God knows what you do. " Obviously in this verse, we are commanded to plan what we will do for the future.

In the Qur'an of Joseph's letter: 43-49, God portrays the example of a human effort to establish a system of protection against the possibilities of the future. In summary, this verse tells of the Egyptian king's question of his dream to Joseph. Where the king of Egypt dreamed of seeing seven fat cows eaten by seven skinny cows, and he also saw seven stalks of green wheat bear fruit and seven stalks that dried red did not bear fruit.

The prophet Joseph as told in the letter of Joseph, in this case, answered that the king and his people plant seven years and of the results should be kept partly. Then after that, there will come a very tough seven years, who spend what is saved to face the difficult times, except for a little of what is stored.

It is clear that in this verse we are encouraged to try to maintain survival by protecting the possibility of a bad condition. And it is very clear that the above verse states that it is not incompatible with destiny, even God suggests efforts toward future planning with a system of protection known in the insurance mechanism.

So, if the system of protection or insurance is justified, the next question is: does the insurance we know today (conventional insurance) meets other requirements in the Islamic muamalat concept. In the conventional insurance mechanism, especially life insurance, there are at least three things that are still forbidden by the scholars, namely: the existence of elements of gharar (unclear funds), elements maisir (gambling / gambling) and usury (interest). These three points will be explained in a detailed explanation of the difference between conventional and sharia insurance.

Sharia life insurance and conventional life insurance have the same goal of managing or managing risk. The fundamental difference between the two is how to manage conventional insurance risk management in the form of risk transfer from participants to the insurance company (risk transfer) while sharia life insurance embraces the principle of help by sharing risk among the participants of life insurance (risk sharing).

In addition to the different ways of managing risk, there are differences in how to manage the savings element of insurance products. Fund management in sharia life insurance embraces sharia investment and is free from the ribawi element.

In detail the difference between sharia life insurance and conventional life insurance can be seen in the following description:

Contract or Akad
Clarity of contract or contract in practice muamalah be the principle because it will determine whether or not Sharia legitimately. Similarly, the contract between the participant and the insurance company. Conventional insurance implements a contract which in sharia is called a contract of sale and purchase (tabaduli).

In this contract must meet the terms of the contract of sale. The ambiguity of the issue of the amount of premium to be paid because it depends on the age of the participant which only God knows when we die causes conventional insurance to contain so-called gharar-the unexplained nature of the contract that leads to the exchange of property in conventional insurance in practice legally flawed. So in sharia life insurance contract used not a contract of sale but the contract help (takafuli). So sharia life insurance uses what is called a tabarru contract which can be interpreted as a donation or donation. This contract is a legitimate alternative and is justified in breaking away from practices that are forbidden to conventional insurance.

The purpose of this tabarru 'fund is to provide good funds with sincere intentions for the purpose of mutual help one with another fellow Sharia insurance participants if some of them affected by the disaster. Therefore tabarru 'funds are deposited in a special account, where in the event of a risk, the claim fund is given from the tabarru' fund account which is intended by all participants for the sake of helping you.

Al-Mudharabah Contract
The above explanation, regarding tabarru' contract, is a grant allocated in case of disaster. While the elements in life insurance can also be saving. In sharia life insurance, savings or investments must comply with sharia.

In this case, the pattern of profit-sharing investments is the hallmark where the insurance company is merely the fund manager collected from the participants. Technically, al-mudaraba is a business cooperation agreement between two parties where the first party provides all (100 percent) of capital, while the other party becomes the manager.
Mudharabah business profit is divided according to the agreement set forth in the contract, whereas if the loss, borne by the owner of capital during the loss is not due to negligence in the manager. Should the loss be due to the manager's fraud or constraint, then the manager should be responsible for the loss.

The production sharing contract is disappointed in advance so that if a profit occurs then the division will follow the profit-sharing contract. Suppose the profit-sharing contract is 60:40, where participants get 60 percent of the profits while the insurance company gets 40 percent of the profits.

In relation to investment, which is one element in insurance premiums, must fulfill the Islamic shari'ah which does not recognize what is commonly called usury. All conventional insurers invest their funds with interest mechanisms.

Thus conventional insurance is difficult to avoid usury. While sharia insurance daolam invest should save funds to various investments based on Islamic sharia with al-mudaraba system.

No Hanged funds
In the conventional insurance known scorch fund, where participants can not continue the payment of premiums and want to resign before the maturity. Similarly, conventional non-saving (non-savings) life insurance or loss insurance, if the contract terminates and no claim occurs, the insurance premium paid is forfeited or becomes the profits of the insurance company.

In the concept of Takaful insurance, the mechanism does not recognize the charred fund. Participants who have just entered for one reason or another want to resign, then the funds or premiums that have been paid previously can be taken back unless a small portion of it is intended for tabarru 'funds that can not be taken.
Similarly, general sharia insurance, if the contract expires and no claim, the company returns part of the premium with the profit sharing pattern, eg 60:40 or 70:30 in accordance with the contract agreement in advance. In this case, it is very likely that the premiums paid early in the year can be recouped and the amount is highly dependent on the level of investment in the year.

The benefits of Sharia Insurance
Sharia insurance can be an alternative choice of protection for Muslims who want products that are in accordance with Islamic law. This product can also be an option for followers of other religions who view the concept of shariah just for them. Sharia is a universal principle or system which can be exploited by anyone who is interested.

Thus a glimpse review of Takaful insurance. Hopefully, this review adds to your insight and knowledge.

4 Herbs Breast Cancer Most Herb

4 Herbs Breast Cancer Most Herb Indonesian's

Breast cancer is one dangerous disease because it can take a person's life. Just like cancer in general, it turns out this breast cancer also has a stage with different degrees of disease.

This breast cancer can actually be cured with some types of herbal plant breast cancer is more natural and has no side effects. Curious what are the 4 most effective herbal plants for breast cancer? Let's refer to the following reviews:

1. Noni fruit / Mengkudu
Noni fruit is one of the fruit with a myriad of benefits, one of which is to clean breast cancer. Noni fruit contains dammacanthel which is an anti-cancer substances that can fight cancer cell abnormalities entering the pre-cancer stage.
How to use it is also very easy, you just need to squeeze 2/3 mengkudu fruit first. Then mix with a little honey, do not forget to choose the fruit mengkudu not too ripe for maximum results.

2. Leaf of God / Daun Dewa
This herbal plant of breast cancer is also famous for its ability to fight cancer cells and easy to make its concoction. You only need to provide fresh god leaves, white temulawak and jombang that boiled simultaneously with 600cc water.
The rest of the cooking water you drink every morning to get a better benefit from the god leaves. If you do not really like bitter, it's okay to add a little honey so you can drink it.

3. Tapak Dara
This plant contains alkaloid vinka, vincristine and vinblastin which can inhibit the development of cancer cells in the body. To be able to consume, you only need 22 leaves of tapak dara, bark pulasari and fennel fruit.

Then boil these ingredients with a dose of 3 glasses of water and strain, consume for 1 month for the tread virgin can treat cancer cells. Do it regularly every day for maximum results and the cancer disappears.

4. Benalu
Although considered a pest, it contains parasite saporin, alkaloids, flavoid, and tannins that can eliminate cancer. The trick is to boil 5 grams of parasites, 3 grams of tea leaves, 5 grams of white turmeric, and 600 grams of water and consume 3x a day.

That's the four herbs of breast cancer that we can inform you, do not forget to buy herbal breast cancer drugs officially in www.resepherbal.xyz for breast cancer can disappear without the hassle of making herbs from herbal plants above.

Sharia Insurance System Has Excellence

Sharia Insurance System Has Excellence

Syariah Assurance System has more difference and advantage when compared to the conventional insurance system. Differences and advantages are found in the procedure of deposit funds, the operationalization of insurance funds, and akad.

Chairman of the Indonesian Sharia Insurance Association (AASI) Muhammad Zubair said there is a difference between sharia and conventional insurance, which is the placement of funds based on non-interest income, premiums should not be used insurance companies for things that violate the sharia, money given to clients from the company should not be used when the premium paid by the client is due, and if the company profits, then the profit is deducted two and a half percent for zakat.

"Sharia insurance is superior in terms of the contract," said Zubair at the Islamic Insurance Talk Show, which is not legitimate, because it determines whether or not Shari'a is legitimate. "Client clients can take mudharabah or tabarru contracts. held by the Executive Board of Students of Sharia Insurance Department (BEMJ AS) Faculty of Sharia and Law, in Theater lt.2, Tuesday (5/5). Despite its advantages, said Director of MAA Life Assurance Syariah Hardy Harahap still facing a number of problems, especially the lack of regulation set the insurance system. Now, there is only one Act (Act) that regulates specifically regarding the system of Islamic insurance, the Act No. 2 of 1992. Nevertheless, continued Hardy, the Act has not been able to accommodate all the needs related to the regulation of Takaful.

Hardy pointed out if there is a dispute between the company and customer claims, then according to the Act must be resolved in Islamic judiciary. Meanwhile, the government has not provided its shari'a judicial institutions, such justice exists in Aceh. Faced with the problem, Hardy asked the insurance manager to draft a law that will be submitted to the government. Efforts that the Takaful system is not a legal defect and awake its purity from the ribawi element.

"Insurance should be used for the benefit of the people," said Hardy. Its legislation should be readily completed, in order to facilitate the bureaucratic process and increase the interest of Muslims to immediately turn to sharia insurance. *

FAMILY HOSPITAL RIDER TAKAFUL

Family Hospital Rider, adalah program Asuransi Takaful Keluarga yang melengkapi perencanaan keuangan keluarga muslim Indonesia.

satu kartu cashless bisa mengcover
-Rawat inap
-Rawat jalan
-Melahirkan
-Dan Gigi

FAMILY HOSPITAL RIDER TAKAFUL1 Polis bisa untuk sekeluarga

(bapak, ibu + 2 orang anak).

Family Hospital Rider Takaful  memberikan manfaat penggantian biaya yang timbul dari pelayanan dan perawatan Peserta yang diperlukan secara medis dengan biaya yang wajar dan dengan maksimum penggantian biaya.

Tidak hanya proteksi kesehatan yg diberikan tetapi manfaat investasi untuk hari tua pun optimal. komitmen syariahnya tetap menjadi prioritas utama dari program Family Hospital Rider

USIA MASUK PEMEGANG POLIS:

Minimal 17 tahun, maksimal75 tahun

(sesuai ketentuan usia masuk Produk Dasar)

PESERTA FAMILY HOSPITAL PLAN:

•Minimal usia30 hari–60 tahun

•Maksimum usia ditambah masa asuransi 65 tahun

•Khusus untuk melahirkan usia17 –45 tahun

•Usia masuk anak hingga25 tahun dan belum menkah, jika anak diatas 25 tahun harus membuat polis baru

MASA PERJANJIAN Family Hospital Rider

1 tahun dan otomatis diperpanjang pada setiap ulangtahun polis untuk masa satu tahun berikutnya kecuali pemegang polis atau Asuransi Takaful Keluarga menghentikan produk Family Hospital Rider ini dengan pemberitahuan tertulis sekurang-kurangnya14 (empatbelas) hari sebelum ulangtahun polis.

CARA BAYAR Family Hospital Rider

Bulanan (Automatic Deduction) dari Dana Investasi Peserta, 3 bulanan, 6 bulanan / tahunan / sekaligus.Manfaat :

Rawat Inap(RI)

Rawat Jalan(RJ)

Rawat Gigi(RG)

Rawat Melahirkan(RM)

Manfaat Santunan Harian diberikan apabila peserta dirawat di RS,

Namun tidak menggunakan fasilitas Takaful (menggunakan BPJS dan tidak terdapat excess klaim yang ditagihkan keTakaful)

Besar Manfaat Santunan Harian Sebesar Harga Kamar per hari sesuai dengan plan yang dipilih (lihattable rawat inap pada item Santunan harian rawat inap jika menggunakan BPJS tanpa klaim keTakaful

Ketentuan Jaminan Family Hospital Rider:
1. Tidak Ada Masa Tunggu Untuk Kecelakaan

2. MasaTunggu Berlaku Untuk:

•30 hariuntukpenyakitinfeksiusyang terjadisetelahmenjadipeserta

•Satu tahun untuk penyakitkhusus

•Satu tahun untuk pre existing condition

•Satu tahun untuk pengobatan kanker, gagal ginjal, operasijantung & haemodialisa

3. PemulihanJaminan

Jika dalam kurun waktu sembilanpuluhhari masuk rumah sakit dengan diagnose yang sama atau yang berkorelasi dengan kejadian sebelumnya, maka besarnya maksimum manfaat perawatan akan diperhitungkan dengan perawatand i rawatinap sebelumnya

4. PenyakitKhusus

Penyakit yang dicover setelah satu tahun kepesertaan yang terdiri dari duabelaspenyakit sebagai berikut:

Penyakit Khusus, Penyakit yang di cover setelah1 tahun kepesertaan

Terdiridari:

a. BatuGinjal

b. Radang KantungEmpedu, batu padae mpedu

c. Segala jenis tumor jinak

d. Segalajenishernia

e. Wasir

f. Tonsil yang memerlukanpembedahan

g. Penyakitronggahidungyang memerlukanpembedahan

h. Katarak

i. Hipertensiyang mengakibatkanKardivaskulerlainnya

j. Kerusakanlambungdanusus12 jari

k. Hypertrophy Prostat

l. Asthma

m. Gout

n. Diabetes

o. Tuberkulosis

p. Appendix

5. Pre Existing Condition

Semua Penyakit/ Cidera Yang Ada Dalam JangkaWaktu DuaTahun Sebelum Mulai Asuransi Baik Dalam Perawatan AtauTidak; DisadariAtau Tidak.

Akan Dicover Setelah Satu Tahun Kepesertaan.

6. Santunan Pengobatan Kanker, Operasi Jantung,

Gagal Ginjal Serta Haemodialisa Akan Dicover Setelah Satu Tahun Kepesertaan

More Fair with Sharia Insurance

More Fair with Sharia Insurance

Do not know, then do not love. At least that's the portrait that can be taken from the still lack of public interest following the Takaful insurance. This is none other than the lack of knowledge about these financial institutions. Society is still minimal with insurance knowledge. Especially when the insurance has been juxtaposed with the name of sharia, certainly more terms that need to be known. Not only for personal and family interests, in fact, insurance is also very important to be run by the businessman in order to mitigate the risk of loss on the assets of his business.

In accordance with the fatwa of the National Sharia Council (DSN), Takaful is defined as mutual protection and help among a number of persons or parties through investment in the form of assets and/or tabarru 'which provide a pattern of return to face certain risks through appropriate contracts sharia.

If a person becomes a participant or Takaful Insurance, the Syariah term is called a muamman, while an insurance company is called a muammin. Should start an insurance, the customer entered into a contract with the insurance company. Well, here is the difference begins.

Basically, sharia insurance and conventional insurance have the same goal, namely the management or risk mitigation. However, some fundamental differences in the initial contracts make sharia insurance is considered fairer than conventional insurance.

According to the Head of Daily Implementing Agency DSN Ma'ruf Amin, unlike conventional insurance that implements a sale and purchase contract or commonly called tabaduli, Takaful insurance uses takafuli contracts or help one customer with another when in trouble. "So in Takaful insurance, there is risk sharing," said Ma'ruf. While with Akad tabaduli, there is a sale and purchase of risk insured between the customer and the insurance company. In other words, there is a risk transfer (risk transferring) from customers to insurance companies.

Management of funds through sharia insurance is believed to be protected from elements that are forbidden Islam namely usury, gharar (unclear funds) and maisir (gambling). Therefore, sharia insurance company holds trust in investing customers' funds according to sharia principles. As per akadnya, mudharabah, the contract of cooperation where the participants provide 100% capital and managed by insurance companies, by determining the profit-sharing contract.

If the Takaful customer makes a claim, the claim fund comes from the tabarru 'account (virtue) of all participants. Unlike the conventional insurance claims derived from insurance companies.

Another advantage of Takaful, ie not knowing the term charred fund like conventional insurance. Sharia insurance participants can get their money back even though it has not arrived due. Since the concept is wadiah (deposit), the funds are returned from the accounts of participants who have been separated from the tabarru 'accounts. Moreover, the operational cost of Takaful insurance. It is reasonable, given the imposition of operational costs borne by the policy holder, limited to 30% of the premium, so that the formation of the cash value quickly formed in the first year with a value of 70% of the premium. Compare with the burden of conventional insurance operational costs borne entirely by the policyholder, so that the formation of cash value becomes sluggish in the first years to zero.

This condition also allows Shariah general insurance participants to receive back some of the premium if it turns out until the due date there is no claim. Of course also with the calculation of profit sharing that has been approved at the beginning of the contract, whose value depends on the investment return in that year.

Why Sharia Insurance?

Why Sharia Insurance?

The definition of sharia insurance according to the National Sharia Council is an effort to protect each other and help to help a number of people through investment in the form of assets and/or tabarru 'which provide a pattern of return to face certain risks/hazards through a sharia-compliant contract.

Sharia Insurance is a system whereby participants / donors donate / partially donate or all contributions that will be used to pay claims, in case of any misfortune experienced by some participant / member / participant. The role of the company here is limited to the operational management of the insurance company and the investment of funds / contributions received / transferred to the company.

Sharia insurance is also called ta'awun insurance which means help or helps each other. Therefore it can be said that Insurance ta'awun basic principle is the basis of Shari'a that mutual tolerance to fellow human beings to establish togetherness in lightening the disaster experienced by participants. This principle is in accordance with the word of Allah in the letter Al Maidah verse 2, which means:

"And help each other in goodness and devotion and do not help each other in sin and hostility"

Why Sharia Insurance? 

Insurance that has been used by the majority of society (nonsharia) is not an insurance known by the predecessors of the fiqh experts, because it does not include transactions known by Islamic fiqh, nor from among the friends who discuss the law.

The difference in opinion about insurance is caused by their different knowledge and ijtihad. The reasons include:

1. In the insurance transaction, there are jahalah (ignorance) and ghoror (uncertainty), where it is not known who will gain profit or loss at the end of the insurance period.

2. In it, there is usury or syubhat usury. This will be clearer in life insurance, where a person who provides an insurance policy pays a few funds/premiums in the hope of earning more money in the future, but he may not get it. So, in essence, this transaction is the exchange of money, and with the addition of money paid, then this clearly contains elements of usury, both usury fadl, and usury nasi'ah.

3. This transaction may lead both parties to hostilities and disputes in the event of a disaster. Where each party seeks to delegate losses to other parties. The dispute could lead to a trial.

4. This insurance includes the type of gambling because one party to pay a little property to get more wealth by way of chance or without work. If there is an accident he is entitled to get all the promised property, but if not then he will not get anything.

Looking at the four things above, it can be said that the transaction in insurance that we know, not in accordance with the transactions known in Islamic fiqh. Sharia insurance with the principle ta'awun, can be accepted by the community and developed quite rapidly in recent years.

Takaful with a clear and transparent agreement with a shariah aqad, whereby the collected funds and insurance premiums (also called tabarru funds) will be managed professionally by sharia insurance companies through shariah investment based on sharia principles.

And in the end, all funds managed (fund tabarru ') will be used to deal with and anticipate the occurrence of disasters / disasters/claims that occurred among participants insurance. Through Shariah Insurance, we prepare financially by maintaining the principles of transactions in accordance with Islamic fiqh. So there is no doubt to insure shari'a.

Essence of Islamic Insurance , Syariah Insurance

Essence of Islamic Insurance

Bagi setiap muslim sesungguhnya hidup dan mati hanya untuk Sang Pencipta Allah SWT semata-mata. For every Muslim actually live and die only for the Creator of Allah SWT solely. Dalam tekad itu terkandung konsekuensi, setiap muslim harus berislam bukan hanya di masjid dan mushallah, ketika shalat, puasa, zakat dan berhaji saja, akan tetapi juga ketika ia berada di pasar, bank dan perkantoran. 

In the determination that contained the consequences, every Muslim must not only muslim in mosques and mushallah, when prayers, fasting, zakat and hajj only, but also when he was in the market, banks and offices. Ketika ia sedang bertransaksi, berinvestasi di pasar modal, dan juga ketika berasuransi. When he is transacting, investing in the capital market, and also when insured.

Semangat itu pula yang mestinya menjiwai semarak kebangkitan ekonomi Islam di dunia. That spirit also should inspire the glorious revival of Islamic economics in the world. Di Indonesia sendiri, sejak sistem bank tanpa bunga di perkenalkan melalui UU No 7 1992 tentang Perbankan, yang dipertegas dengan diakuinya dual banking system, perbankan syariah tumbuh dengan cepat dalam tiga tahun terakhir. Data–data menunjukkan pangsa total aktiva perbankkan naik dari dari 0,11 persen pada 1999 menjadi 0,33 persen pada 2001. Dana pihak ketiga naik dari 0,07 persen menjadi 0,3 persen pada kurun waktu sama, dan kantor juga semakin meluas menjangkau 29 kota di pulau Jawa, Sumatera , Sulawesi dan Kalimantan. 

In Indonesia alone, since the interest-free bank system was introduced through Act No. 7 of 1992 on Banking, which was confirmed by the recognition of dual banking system, sharia banking grew rapidly in the last three years. The data shows the total share of assets grew from 0.11 percent in 1999 to 0.33 percent in 2001. Third party funds rose from 0.07 percent to 0.3 percent in the same period, and the office also expanded to reach 29 cities on the island of Java, Sumatra, Sulawesi and Kalimantan.

Di bidang asuransi, perkembangan yang sama pun terjadi. Saat ini, perusahaan asuransi yang benar- benar secara penuh beroperasi secara syariah ada tiga, yakni Asuransi Takaful Umum, Asuransi Takaful Keluarga (jiwa ), dan Mubarakah. Selain itu beberapa perusahaan asuransi konvensional telah membuka divisi syariah yakni MAA, Great Eastern, Bumiputera (asuransi jiwa ), dan Tripakarta. 

In the field of insurance, the same developments occur. Currently, insurance companies that actually fully operate in sharia there are three, namely Takaful Insurance General, Takaful Insurance Family (soul), and Mubarakah. In addition, several conventional insurance companies have opened a division of sharia namely MAA, Great Eastern, Bumiputera (life insurance), and Tripakarta. 

Data Departemen Keuangan menunjukkan, market share asuransi syariah pada tahun 2001 baru mencapai 0,3 persen dari total premi asuransi nasional. Perkembangan ke depan diperkirakan akan lebih marak lagi mengingat kondisi dakwah Islam yang semakin luas cakupannya, sehingga meningkatkan awareness masyarakat. 

Ministry of Finance data shows, the market share of Takaful insurance in 2001 only reached 0.3 percent of total national insurance premium. Future developments are expected to be more prevalent given the increasingly widespread Islamic da'wah conditions, thus increasing the awareness of the community. 

Di samping itu beberapa kebijakan pemerintah yang mendukung perkembangan asuransi syariah adalah ditetapkannya kewajiban agar asuransi haji dikelola oleh perusahaan asuransi syariah . 

In addition, some government policies that support the development of sharia insurance is the stipulation of obligations for hajj insurance is managed by sharia insurance companies. 

Di bidang aturan hukum, saat ini sedang digodog aturan khusus mengenai asuransi syariah yang diharapkan dapat memberi dampak yang signifikan sebagaimana dampak dari UU Perbankan tahun 1998. 

In the field of rule of law, currently being digodog special rules concerning Takaful insurance is expected to have a significant impact as the impact of the Banking Act of 1998.

Berasuransi secara Islam merupakan bagian dari prinsip hidup yang berdasarkan tauhid. Insurance is a part of Islamic principles of life based on tawheed. Setiap manusia menyadari bahwa sesungguhnya setiap diri tidak memiliki daya apapun ketika datang musibah dari Allah SWT, apakah itu berupa kecelakaan, kematian, atau terbakarnya toko yang kita miliki. 

Every human being realizes that in fact every self does not have any power when it comes to the misfortune of Allah SWT, whether it be accident, death, or burning store we have.

Ada berbagai cara bagaimana manusia menangani risiko terjadinya musibah. Cara pertama adalah dengan menanggungnya sendiri (risk retention), yang kedua, mengalihkan risiko ke pihak lain (risk transfer), dan yang ketiga, mengelolanya bersama-sama (risk sharing). 

There are various ways in which humans deal with the risk of unfortunate events. The first way is to bear it yourself (risk retention), secondly, transfer the risk to the other party (risk transfer), and third, manage it together (risk sharing).

Menarik untuk direnungi bahwa sejak dari awal keberadaannya, mekanisme asuransi Islam senantiasa terkait dengan kelompok. Ini berarti, musibah bukanlah permasalahan individual, melainkan kelompok. Sekalipun, misalnya, musibah itu hanya menimpa individu tertentu (particular risks). Apalagi apabila musibah itu mengenai masyarakat luas (fundamental risks) seperti gempa bumi dan banjir. 

It is interesting to note that from the very beginning of its existence, Islamic insurance mechanisms are always associated with the group. This means, disaster is not an individual problem, but a group. Even if, for example, the accident only affects certain individuals (particular risks). Especially if the disaster is about the public (fundamental risks) such as earthquakes and floods. 

Sesungguhnya Allah SWT sudah menegaskan hal ini dalam beberapa firmanNya di dalam Alquran, antara lain dalam surat al Maidah ayat 2, dan al Baqarah ayat 177. Demikian pula janji Allah untuk senantiasa “menyediakan makanan dan menyelamatkan dari ketakutan” (QS Quraisy: 4) seringkali kita rasakan melalui tangan orang lain yang digerakkan Allah untuk membantu kita dalam rangka memenuhi janjiNya tersebut. 

Allah SWT has confirmed this in some of His words in the Qur'an, among others in al-Maidah verse 2, and al Baqarah verse 177. Similarly God's promise to always "provide food and save from fear" (QS Quraish: 4) we feel through the hands of others who are moved by God to assist us in fulfilling His promise. 

Banyak pula hadis Rasulullah SAW yang menyuruh umat Islam saling melindungi dalam menghadapi kesusahan. 

Many hadith Prophet Muhammad SAW who told Muslims to protect each other in the face of distress.

Berdasarkan ayat Alquran dan hadis di atas, sesungguhnya musibah, ataupun risiko kerugian akibat musibah, wajib ditanggung bersama (risk sharing). Jadi, bukan setiap individu menanggung sendiri-sendiri (risk retention), bukan pula dialihkan ke pihak lain (risk transfer). Risk sharing inilah sesungguhnya esensi asuransi dalam Islam, di mana di dalamnya diterapkan prinsip-prinsip kerjasama, proteksi dan saling bertanggungjawab (cooperation, protection, mutual responsibility), yang bisa disingkat dengan prinsip CPM. 

Based on the verses of the Qur'an and the above hadith, the actual disaster, or risk of loss due to disaster, must be shared (risk sharing). So, not every individual bears his own (risk retention), nor is it transferred to another party (risk transfer). Risk sharing is actually the essence of insurance in Islam, in which applied principles of cooperation, protection and mutual responsibility (cooperation, protection, mutual responsibility), which can be abbreviated with the principle of CPM. 

Jelas berbeda dengan apa yang berlangsung di asuransi konvensional. Di sana yang terjadi adalah transfer risiko. Anda membayar sejumlah premi untuk mengalihkan risiko yang tidak mampu anda pikul kepada perusahaan asuransi. Di sini terjadi 'jual beli', dengan komoditasnya adalah risiko kerugian, yang belum pasti terjadi. Di sinilah 'cacat' dari perjanjian asuransi konvensional, jika dilihat dari sudut pandang Islam. 

Obviously different from what goes on in conventional insurance. There it happens is the transfer of risk. You pay a premium to transfer the risk that you can not afford to the insurance company. Here there is 'buying and selling', with the commodity is the risk of loss, which is not certain to happen. This is where the 'defect' of the conventional insurance agreement, when viewed from an Islamic point of view. 

Teori akad dalam Islam mensyaratkan adanya komoditas (objek akad) yang pasti, apakah itu berbentuk barang ataupun jasa. Cacat ini diperburuk lagi dengan kondisi bahwa uang premi akan hangus apabila kerugian tidak terjadi, sebaliknya akan berjumlah berlipat-lipat kali manakala dibayarkan sebagai ganti rugi apabila risiko yang dipertanggungkan terjadi. 

The theory of contract in Islam requires the existence of a certain commodity (object of the contract), whether it is in the form of goods or services. This defect is made worse by the condition that the premium money will be forfeited if the loss does not occur, otherwise it will be multiplied many times when it is paid in damages if the insured risk occurs.

Memang, tertanggung tidak akan mendapat keuntungan dari sini karena prinsip ganti rugi dalam asuransi sudah mengatur bahwa ganti rugi tidak mungkin akan memberikan lebih dari jumlah kerugian yang diderita. Akan tetapi mekanisme transfer risiko seperti ini memungkinkan adanya ketidakseimbangan kekuatan dalam menjalankan perjanjian asuransi yang telah disepakati. 

Indeed, the insured will not benefit from this because the principle of indemnity in insurance has provided that compensation is unlikely to give more than the amount of losses suffered. However, such a risk transfer mechanism enables an imbalance of strength in carrying out an agreed insurance agreement. 

Pada tataran yang paling sederhana, misalnya, ketika perusahaan asuransi mensyaratkan tertanggung untuk melakukan hal yang terbaik untuk mencegah terjadinya kerugian, antara lain dengan melakukan manajemen risiko secara ketat, di pihak lain tertanggung merasa tidak perlu melakukannya karena sudah mengalihkan risiko kepada perusahaan asuransi. 

Pada tataran yang lebih kompleks, bisa saja terjadi kecurangan-kecurangan dalam pengajuan klaim, baik berupa klaim palsu (fraudulent claim) maupun pengajuan nilai klaim yang lebih besar dari sebenarnya. 

At the simplest level, for example, when the insurance company requires the insured to do the best to prevent the occurrence of losses, among others by conducting risk management strictly, on the other hand the insured felt no need to do so because it has transferred the risk to the insurance company. 

At a more complex level, there may be frauds in the filing of claims, either in the form of fraudulent claims (fraudulent claims) or filing a claim value greater than the actual.

Dalam risk sharing yang dianjurkan dalam Islam, moral hazard seperti yang dimungkinkan dalam asuransi konvensional. Insya Allah tidak akan terjadi karena setiap individu sejatinya menjadi penanggung bagi semua peserta. Dana yang terhimpun (pool of funds) selain digunakan untuk menyantuni peserta yang menderita kerugian, juga akan diinvestasikan (tentunya menurut kaidah investasi Islam), dan hasilnya akan dibagikan kembali kepada peserta sesuai prinsip mudharabah. 

In the recommended risk sharing in Islam, moral hazard as is possible in conventional insurance. Insha Allah will not happen because every individual is true to be the bearer for all participants. The pool of funds other than to be used to sponsor the losers will also be invested (of course according to Islamic investment rules), and the results will be redistributed to participants according to the mudaraba principle.

Hasil itu akan negatif apabila risiko yang dihimpun tidak dikelola dengan baik, sehingga jumlah klaim besar. Akibatnya peserta kehilangan kesempatan untuk memperoleh bagi hasil. Mekanisme ini dengan sendirinya mendorong setiap peserta untuk melakukan pencegahan risiko dan mengelola risiko masing-masing dengan baik. 

The result will be negative if the risk collected is not well managed, resulting in a large claim amount. As a result the participant loses the opportunity to earn a profit share. This mechanism by itself encourages each participant to take risk precautions and manage their risks properly. 

Fraudulent claim pun sangat kecil kemungkinannya untuk terjadi. Fraudulent claims are very unlikely to happen. Bukan saja karena ada dimensi moral dan etik yang inheren terdapat di dalamnya, namun juga karena mekanisme risk sharing itu sendiri yang dikaitkan dengan prinsip mudharabah, membuat orang secara sadar tercegah dari hal-hal yang buruk. 

Not only is there a moral and ethical dimension that is inherent in it, but also because the mechanism of risk sharing itself is associated with the principle of mudaraba, making people consciously prevented from bad things. 

Wallahu a'lam bis-Shawab. Wallahu a'lam bis-Shawab.

By: Bey Sapta Utama (STEI Tazkia Lecturer)