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All Journal Jurnal Sinar Manajemen Abdimas Talenta : Jurnal Pengabdian Kepada Masyarakat Pendas : Jurnah Ilmiah Pendidikan Dasar Jurnal Ilmu Hukum The Juris Prosiding SENTIKUIN (Seminar Nasional Teknologi Industri, Lingkungan dan Infrastruktur) Al Yasini : Jurnal Keislaman, Sosial, hukum dan Pendidikan G-Couns: Jurnal Bimbingan dan Konseling JOURNAL SCIENTIFIC OF MANDALIKA (JSM) Buletin Poltanesa PARENTAS: Jurnal Mahasiswa Pendidikan Teknologi dan Kejuruan Bulletin of Computer Science Research International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Armada Informatika Mauriduna : Journal of Islamic studies Journal Transformation of Mandalika Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah JISPE Journal of Islamic Primary Education MERDEKA: Jurnal Ilmiah Multidisiplin Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) International Journal of Post-Axial: Futuristic Teaching and Learning Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Jurnal Dinamika Manajemen Outline Journal of Community Development
Joni
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Journal : Al Yasini : Jurnal Keislaman, Sosial, hukum dan Pendidikan

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Analisis Perbandingan Lembaga Asuransi Syariah dan Asuransi Konvensional : Sebuah Tinjauan Litelatur: Asuransi Syariah, Asuransi, Tabarru’, Sharing Of Risk, Hukum Islam Ilman Miftahul Fauzi; Iqbal Abdul Azis; Fahmi Nurfatwa; Muhammad Gesta Nugraha Fauzi; Joni; Raihani Fauziah
Al Yasini : Jurnal Keislaman, Sosial, hukum dan Pendidikan Vol 10 No 5 (2025)
Publisher : Konsorsium Dosen Sekolah Tinggi Agama Islam (STAI) Al-Yasini Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55102/alyasini.v10i5.6983

Abstract

The increasing demand for insurance products in Indonesia, especially among the Muslim majority, has prompted the need for an in-depth study of the differences between sharia insurance and conventional insurance. This study uses a qualitative method with a literature review approach, where data sources are obtained from academic literature, regulations, and relevant national journal articles. The analysis was conducted through content analysis to identify the fundamental similarities and differences in terms of legal basis, fund management mechanisms, fund ownership principles, and risk sharing systems. The results of the study show that sharia insurance is based on the Qur'an, Hadith, ijma, and qiyas, with the main principle of mutual assistance (ta'awun) and a risk-sharing mechanism through tabarru' funds that remain the collective property of the participants. Conversely, conventional insurance is rooted in Western positive law with the principle of transfer of risk, where the premiums paid become the full property of the company, while the investment profits are fully controlled by the insurer. In addition, conventional insurance practices have the potential to contain elements of gharar, maisir, and riba, which are not in accordance with Islamic law. The conclusion shows that sharia insurance is not merely a financial protection instrument, but also a form of social solidarity and justice that is more in line with the needs of the Muslim community in Indonesia.
Co-Authors Abdhi Adiansyah Abdul Munif Abdul Rahman Adam Adinda Farhania Ma’rufa Adrian Santris Chaniago Aldiva Oriana Hermawan Ali Supriadi Alya Arini Putri Amar Nur Fadhil Anabilla Alma Widyaningtias Anggia Dhafa Irvani Annisa Nuraini Awaludin Chandra, Wenripin Cici Puspaningrum Cindy Synthya Br Tarigan Darin Diffana Athifah Depi Amalia Depi Indriani Desma Erica Maryati M Dian Friantoro Diana Putri Utari Didik Gunawan Dimas Adi Sudibyo Dimas Ganjar Pinasti Dimas Muhamad Rizki Dina Ainul Latifah Dina Ramadhani Dita Wuddatul Hisniah Duling, Jhonni Rentas Edi Wijaya Edward Keith Erwin Eva Dwi Suciati Fahmi Nurfatwa Falha Himatul Aliyah Fariz Abdul Hammam Fauzan Adhipratama Arasyid Firda Kharisma Frea Puspita Damayanti Hadi, Cipto Harsono, Djiwo Hazki Ziadatur Rizki Hikmal Faturahman Hildan Fadlan Hilma Maudi Hommy Dorty Ellyany Sinaga Ilman Miftahul Fauzi Ilone Virginia Oktavian Iqbal Abdul Azis Irma Nursyapa’ah Irman Farhanul Haqiem Jackri Hendrik Jackri Hendrik Jia Ayu Maulida Justin Azmi Luthfi Kanaya Audy Kania Meysachroh Prita Utamy Kaysa Hasnah Mumtaaza Khadijah Khairatun Nisa Latyf, Ahmad Rizky Lia Wardatul Umah lina marlina, lina Lu'liyatul Mutmainah Lutfiah Alya Nurafifah Melvi Lesmana Alim Miharja, Satriya Mohamad Riziq Iskandar Muhamad Renaldi Muhammad Gesta Nugraha Fauzi Muhammad Hasbi Ashiddiq Muhammad Hilal Nurazizi Saleh Muslim, Rifqil Mutia Latifa Mutiara Ramadhani Nabila Bilqis Mutiara Nafisatun Nikmah Nagita Aulia Naila Alya Fadila Hilman Nainggolan, Elisabeth Nasrulloh, Agus Ahmad Neng Dewi Lailatus S Neng Nazma Aulia Nurhasanah, Elis Nuri Kamilatul Pikriyyah Nurmalina Peni Apriliani Pricilia Siska Sintia Muhtari Putri Amelia Sofjan Putri, Yoke Shintia Raafi Al Afghany Rafiqi, Yusep Rahma Amalia Fadilah Rahma Ayuningtyas Anjani Raihani Fauziah Resti Nuraeni Rida Nugraha Rimarsha Desta Anjani Rinda Nur Agisna Rizki Ananda Robin Saidah, Susi Salsa Bila Rahmawati Salsabila Putri Virgiawan Salwa Salsabila Sarniati Sevani Desiana Putri Shinta Puja Rinjani Sidiq Pamungkas Sri Mardiyani Suryana Suhendro, Budi Syafi, Moh Syamswisna , Syera Saffina Syera Syaffina Tan Kwang En Tasrifinoor Tasyqi Masyumatul Aulia Tiara Kania Via Nurpadilah Wahdan Saiduroihan Wijanarko, Andrian Gandi Yanti Yandri Kusuma Yenni Carolina Yusnira