Analisis Akad Asuransi dalam Akad Pembiayaan Murabahah (Studi Analisis Putusan No.967/Pdt.G/2012/Pa.Mdn)
DOI:
https://doi.org/10.31316/jk.v6i3.4158Abstract
AbstrakAsuransi merupakan cara atau metode untuk memelihara manusia dalam menghindari resiko (ancaman) bahaya yang beragam yang akan terjadi dalam hidupnya, dalam perjalanan atau kegiatan hidupnya atau dalam aktivitas ekonominya. Dalam hukum Islam telah disebutkan bahwa asuransi adalah transaksi perjanjian antara dua pihak, dimana pihak yang satu berkewajiban membayar iuran dan pihak yang lain berkewajiban memberikan jaminan sepenuhnya kepada pembayar iuran jika terjadi sesuatu yang menimpa pihak pertama sesuai dengan perjanjian yang dibuat. Rumusan penelitian dalam artikel ini adalah bagaimana analisis akad asuransi dalam akan pembiayaan murabahah di Indonesia? Jenis penelitian yang digunakan dalam penelitian ini adalah Normatif dengan pendekatan konseptual dan peraturan perundangan. Hasil dari penelian ini adalah Dewan Syariah Nasional Majlis Ulama Indonesia (DSN-MUI) dalam fatwanya memberi definisi tentang asuransi, menurutnya asuransi syariah (Ta‟min, Takaful, Tadhamun) adalah usaha saling melindungi dan tolong menolong diantara sejumlah orang atau pihak melalui investasi dalam bentuk asset dan atau dana tabarru yang memberikan pola pengembalian untuk menghadapi risiko tertentu melalui akad (perikatan) yang sesuai dengan syariah.
Kata Kunci: Akad, Asuransi, Murabahah
Abstract
Insurance is a way or method to nurture a human being in avoiding the various risks (threats) of danger that will occur in his life, in the course or activities of his life or in his economic activities. In Islamic law, it has been stated that insurance is an agreement transaction between two parties, where one party is obliged to pay dues and the other party is obliged to provide full guarantee to the dues payer if something happens to the first party in accordance with the agreement made. The research formulation in this article is how is the analysis of insurance contracts in financing murabahah in Indonesia? The type of research used in this research is Normative with a conceptual approach and laws and regulations. The result of this research is that the National Sharia Council of the Majlis Ulama Indonesia (DSN-MUI) in its fatwa gave a definition of insurance, according to him, sharia insurance (Ta‟min, Takaful, Tadhamun) is an effort to protect and help each other among a number of people or parties through investments in the form of assets and or tabarru funds that provide a pattern of return to face certain risks through sharia-compliant contracts (perikatan).
Keywords: Contract, Insurance, Murabahah
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