Problematika Akad Tijarah pada Produk Asuransi Pendidikan Mitra Iqra PT Asuransi Jiwa Bumiputra Syariah Cabang Jambi

Authors

  • M. Nazori Madjid Fakultas Ekonomi dan Bisnis Islam UIN Sulthan Thaha Saifuddin Jambi
  • Putri Alhidayah Fakultas Ekonomi dan Bisnis Islam UIN Sulthan Thaha Saifuddin Jambi

DOI:

https://doi.org/10.30631/innovatio.v17i1.11

Keywords:

akad tijarah, asuransi pendidikan, asuransi jiwa Bumiputera

Abstract

Penelitian ini untuk mengkaji problematika akad tijarah pada produk asuransi pendidikan Mitra Iqra PT. Asuransi Bumiputra Syariah Cabang Jambi. Penelitian menggunakan prosedur kualitatif, melalui metode observasi, wawancara dan dokumentasi, menemukan bahwa akad tijarah pada produk asuransi pendidikan Mitra Iqra PT. Asuransi Bumiputra Syariah Cabang Jambi belum sesuai dengan prinsip-prinsip syariah sebagaimana dimaksud dalam Fatwa Dewan Syariah Nasional Nomor 21/DSN-MUI/X/2001 Tentang Pedoman Umum Asuransi Syariah, dan belum sesuai dengan Kompilasi Hukum Ekonomi Syariah (KHES) Pasal 564 ayat (1) dan (2). Dalam ayat (1) disebutkan, perusahaan asuransi (ta’min) selaku pemegang amanah wajib melakukan investasi dari dana yang terkumpul, ayat (2) investasi sebagaimana dalam ayat (1) wajib dilakukan sesuai dengan prinsip syariah. Akad tijarah produk asuransi pendidikan Mitra Iqra PT. Asuransi Bumiputra Syariah Cabang Jambi masih menjadi problema karena melakukan investasi kepada lembaga yang tidak berbasis syariah, sumber daya manusia yang kurang dalam memahami ekonomi syariah dan nasabah juga tidak mengetahui proses investasi tersebut.

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Published

2017-06-30

Issue

Vol. 17 No. 1 (2017)

Section

Articles

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