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Legal Analysis of Sharia Insurance Dispute Resolution at PT. Asuransi Takaful Indonesia Maulidya Mora Matondang; Akmaluddin Syahputra; Nawir Yuslem; Iwan Nasution; Sutan Erlambang
Al-Hiwalah: Journal of Sharia Economic Law Vol. 5 No. 1 (2026): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v5i1.7755

Abstract

This study aims to analyze disputes in Shariah Insuranceusing a case study of PT Asuransi Takaful. The focus of the study includes the forms and characteristics of disputes, the factors causing them, dispute resolution mechanisms, compliance with Islamic economic law principles, and the parties' perceptions of fairness. This study uses a qualitative approach with a case study method to explore the phenomenon in depth based on empirical data and a literature review. The research results show that disputes are generally related to claims, such as rejections, late payments, and differences in benefit values. Factors contributing to these disputes include a lack of transparency, low Islamic financial literacy, and weak communication between companies and participants. Dispute resolution mechanisms are mostly conducted through non-litigation channels such as deliberation, mediation, and Islamic arbitration, which align with the principle of reconciliation (islah). However, there remains a gap between the normative principles of Islamic economic law and its implementation in the field. The parties' perceptions of fairness are strongly influenced by the transparency of the process and the quality of communication. This research contributes to enriching the study of Sharia insurance disputes through a more contextual case study approach. Furthermore, it provides practical recommendations for companies, regulators, and academics to improve the effectiveness of fair and sharia-compliant dispute resolution.
Maslahah Mursalah dan Istishlah: Debat Teoretis dan Penerapannya pada Kebijakan Publik, Bioetika, dan Lingkungan Hidup Muhammad Sya’ban Siregar; Nawir Yuslem; M. Jamil; Muhammad Faisal Hamdani
SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum Vol. 5 No. 3 (2026): SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum, Juni 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/seikat.v5i3.3056

Abstract

Artikel ini menganalisis konsep maslahah mursalah dan istishlah dari perspektif ushul fiqh dan mengkaji penerapannya pada kebijakan publik, bioetika, dan lingkungan. Studi ini menggunakan pendekatan kualitatif dengan metode riset kepustakaan, menganalisis literatur klasik dan kontemporer yang relevan. Temuan menunjukkan bahwa maslahah mursalah adalah manfaat yang tidak memiliki legitimasi eksplisit dalam teks namun konsisten dengan tujuan syariah (maqā).SMaslahah mursalah adalah metode ijtihad yang menggunakan pertimbangan manfaat sebagai dasar penentuan hukum. Dalam praktiknya, kedua konsep ini sangat relevan dengan masalah-masalah kontemporer: dalam kebijakan publik, keduanya mendorong regulasi yang berorientasi pada kesejahteraan; dalam bioetika, keduanya mendasari legitimasi praktik medis modern seperti transplantasi organ dan reproduksi berbantuan; dan dalam masalah lingkungan, pendekatan manfaat mendukung prinsip-prinsip keberlanjutan dan konservasi. Dengan demikian, maslahah mursalah dan istishlah menunjukkan fleksibilitas hukum Islam dalam menanggapi dinamika zaman tanpa meninggalkan prinsip-prinsip dasar syariah.