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All Journal Al-'Adalah IJTIHAD Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Journal of Judicial Review Jurnal Abdi Masyarakat Saburai (JAMS) Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian Az Zarqa': Jurnal Hukum Bisnis Islam Jurnal Dedikasi Hukum VIVA THEMIS- Jurnal Ilmu Hukum dan Humaniora JUSTICIA SAINS: Jurnal Ilmu Hukum Journal of Islamic Law Studies
Ledy Famulia
Universitas Sang Bumi Ruwa Jurai
Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Al-'Adalah

 1 
High Risk in Loss Insurance in The Perspective of Conventional Insurance and Syariah Insurance Zanariyah, Sri; Famulia, Ledy; Renaldi, Rendy
al-'adalah Vol 20 No 2 (2023): Al-'Adalah
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/adalah.v20i2.13849

Abstract

This study examines the risk management of tabarru funds of sharia insurance at PT Asuransi Bumiputera Muda 1967 Serang. The aim is to determine the differences in principle between the conventional insurance system and the sharia insurance system in regulating high-risk issues. This study is classified as doctrinal legal research (normative juridical) which is descriptive and analytical in nature based on data obtained through a literature review. This study found differences in tendencies between conventional insurance and sharia insurance in responding to high risks in a guaranteed contract. According to the conventional insurance system, high risks occurring at the implementation stage of the agreement can result in the termination of the insurance agreement. However, if the high risk has been calculated from the beginning of the contract and agreed upon by both parties, then the contract will continue following the agreement stated in the policy. In contrast to this principle, the sharia insurance system applies the principle of ta'āwun (mutual assistance) where each insurance participant donates their funds to other participants who are affected by disasters, regardless of the risk being low or high. Thus it can be concluded that in conventional insurance the relationship that occurs is between individuals and the company while in sharia insurance all insurance participants are collectively bound to the company and share the risk (transfer risk).
Maqâshid al-Sharî‘ah Review of the Implementation of Sharia Franchise at 212 Mart Bandar Lampung, Indonesia Maulidiana, Lina; Famulia, Ledy
al-'adalah Vol 20 No 1 (2023): AL-'ADALAH
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/adalah.v20i1.16339

Abstract

This article aims to analyze the fulfillment of maqâshid al-sharî'ah towards the implementation of sharia franchises at 212 Mart Bandar Lampung. The theory of maqâshid al-sharî'ah is a theory that becomes a benchmark in analyzing a new phenomenon in society which aims to make it relevant to the rules in Islam. The problems in this study include how the indicators are used by franchisors who claim to apply Sharia principles and how to implement franchises that apply Sharia principles when viewed from maqâshid al-sharî'ah. The purpose of the discussion in this study is to determine the fulfillment of maqâshid al-sharî'ah in the 212 Mart Bandar Lampung shari'ah franchise. The research method uses qualitative methods with an empirical juridical approach. The results of the study show that what is implemented by 212 Mart Bandar Lampung has fulfilled the elements of dlarûriyyât, hajiyyât, and tahsîniyyât although there are still things that need to be adjusted to the basic rules for determining ujroh following the DSN MUI Fatwa that applies in Indonesia. 
Co-Authors Abel Ivani Fitri Salsabila Amelia, Jihan Dakum Dakum Diasti Rastosari Irwan Jaya Diwirya K, Ade Oktariatas Larasati, Adinda Nabita Lina Maulidiana Mirnasari, Tiar Muhammad Rusjana Novalia Novalia Nunung Rodliyah Oktara, Reza Prasetya, A. Riva Ratna Kumala Sari Ratna Kumala Sari Ratna Kumala Sari, Ratna Kumala Renaldi, Rendy Rendi Renaldi Reza Pahlepi Rika Santina Safitri, Meilinda Satrya Surya Pratama Sri Zanariyah Thohirin, Muh Tian Terina