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All Journal MUQTASID Muqtasid: Jurnal Ekonomi dan Perbankan Syariah HIKMATUNA: Journal for Integrative Islamic Studies Hikmatuna
M. Arif Hakim
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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AT-TA’MIN AT-TA’AWUNI: ALTERNATIF ASURANSI DALAM ISLAM Hakim, M. Arif
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 2 (2011): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v2i2.231-279

Abstract

Asuransi pada awalnya adalah suatu kelompok yang bertujuan membentukarisan untuk meringankan beban keuangan individu dan menghindari kesulitan pembiayaan. Secara umum konsep asuransi merupakan persiapan yang dibuat oleh sekelompok orang yang masing-masing menghadapi kerugian kecil sebagai sesuatu yang tidak dapat diduga. Apabila kerugian itu menimpa salah seorang dari mereka yang menjadi anggota perkumpulan itu, maka kerugian itu akan ditanggung bersama oleh mereka. Dalam praktek asuransi konvensional disinyalir terdapat unsur-unsur yang bertentangan dengan syari’ah Islam, seperti maisir, gharar, riba, dzalim dan sebagainya. Secara spesifik ada tiga unsur pokok dalam asuransi yang dipandang bertentangan dengan nilai-nilai syariah yaitu bahaya yang dipertanggungkan, premi pertanggungan dan sejumlah uang ganti rugi pertanggungan. Pembahasan asuransi dalam wilayah kajian ilmu-ilmu ke-Islaman baru muncul pada fase lahirnya ulama kontemporer. Di sisi lain, kajian tentang asuransi merupakan sebuah paket dari kajian ekonomi Islam yang biasanya selalu dikaji bersama-sama dengan pembahasan perbankan dalam Islam. Secara prinsipil kajian ekonomi Islam selalu mengedepankan asas keadilan, tolong menolong, menghindari kedzaliman, pengharaman riba (bunga), prinsip profit and loss sharing serta penghilangan unsur maisir dan gharar. Di samping itu, lembaga asuransi syariah perlu mengembangkan sebuahmanajemen asuransi secara mandiri, terpadu dan profesional serta tidakmenyalahi aturan dasar yang telah digariskan dalam ajaran syariah Islam.
Analisis Aplikasi Akad Tabarru’ dalam Asuransi Syariah: Studi Kasus pada AJB Bumiputera 1912 Syariah Cabang Kudus Hakim, M. Arif
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v3i2.231-249

Abstract

The purpose of this research is to (1) know of products of Islamic insurance at AJB Bumiputera 1912 Syariah Cabang Kudus; (2) know how procedure and mechanism of application of akad tabarru’ in Islamic insurance at AJBBumiputera 1912 Syariah Cabang Kudus; (3) analyse the application of akadtabarru’ in Islamic insurance at AJB Bumiputera 1912 Syariah CabangKudus.This research including field research with qualitative approach. Dataanalysis using descriptive analysis.Result of this research indicate that (1)products at AJB Bumiputera 1912 Syariah Cabang Kudus are products withsaving system; individual insurance (Mitra Sakinah, Mitra Mabrur and MitraIqra’) and group insurance; (2) in executing daily activity of AJB Bumiputera1912 Syariah Cabang Kudus, premium which step into the company groupedto become the Tabarru’ (benefaction fund), Premium of Saving and Premiumof Cost; (3) application of Akad tabarru’ at AJB Bumiputera 1912 SyariahCabang Kudus as according to religious advices of Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) No. 21/DSN-MUI/X/2001 about common guidance of islamic insurance expressed that akad tabarru’ is all form akad done with benefaction purpose and help mutually, not for the commercial purpose
AT-TA’MIN AT-TA’AWUNI: ALTERNATIF ASURANSI DALAM ISLAM M. Arif Hakim
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 2 (2011): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (427.72 KB) | DOI: 10.18326/muqtasid.v2i2.231-279

Abstract

Asuransi pada awalnya adalah suatu kelompok yang bertujuan membentukarisan untuk meringankan beban keuangan individu dan menghindari kesulitan pembiayaan. Secara umum konsep asuransi merupakan persiapan yang dibuat oleh sekelompok orang yang masing-masing menghadapi kerugian kecil sebagai sesuatu yang tidak dapat diduga. Apabila kerugian itu menimpa salah seorang dari mereka yang menjadi anggota perkumpulan itu, maka kerugian itu akan ditanggung bersama oleh mereka. Dalam praktek asuransi konvensional disinyalir terdapat unsur-unsur yang bertentangan dengan syari’ah Islam, seperti maisir, gharar, riba, dzalim dan sebagainya. Secara spesifik ada tiga unsur pokok dalam asuransi yang dipandang bertentangan dengan nilai-nilai syariah yaitu bahaya yang dipertanggungkan, premi pertanggungan dan sejumlah uang ganti rugi pertanggungan. Pembahasan asuransi dalam wilayah kajian ilmu-ilmu ke-Islaman baru muncul pada fase lahirnya ulama kontemporer. Di sisi lain, kajian tentang asuransi merupakan sebuah paket dari kajian ekonomi Islam yang biasanya selalu dikaji bersama-sama dengan pembahasan perbankan dalam Islam. Secara prinsipil kajian ekonomi Islam selalu mengedepankan asas keadilan, tolong menolong, menghindari kedzaliman, pengharaman riba (bunga), prinsip profit and loss sharing serta penghilangan unsur maisir dan gharar. Di samping itu, lembaga asuransi syariah perlu mengembangkan sebuahmanajemen asuransi secara mandiri, terpadu dan profesional serta tidakmenyalahi aturan dasar yang telah digariskan dalam ajaran syariah Islam.
Analisis Aplikasi Akad Tabarru’ dalam Asuransi Syariah: Studi Kasus pada AJB Bumiputera 1912 Syariah Cabang Kudus M. Arif Hakim
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (70.48 KB) | DOI: 10.18326/muqtasid.v3i2.231-249

Abstract

The purpose of this research is to (1) know of products of Islamic insurance at AJB Bumiputera 1912 Syariah Cabang Kudus; (2) know how procedure and mechanism of application of akad tabarru’ in Islamic insurance at AJBBumiputera 1912 Syariah Cabang Kudus; (3) analyse the application of akadtabarru’ in Islamic insurance at AJB Bumiputera 1912 Syariah CabangKudus.This research including field research with qualitative approach. Dataanalysis using descriptive analysis.Result of this research indicate that (1)products at AJB Bumiputera 1912 Syariah Cabang Kudus are products withsaving system; individual insurance (Mitra Sakinah, Mitra Mabrur and MitraIqra’) and group insurance; (2) in executing daily activity of AJB Bumiputera1912 Syariah Cabang Kudus, premium which step into the company groupedto become the Tabarru’ (benefaction fund), Premium of Saving and Premiumof Cost; (3) application of Akad tabarru’ at AJB Bumiputera 1912 SyariahCabang Kudus as according to religious advices of Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) No. 21/DSN-MUI/X/2001 about common guidance of islamic insurance expressed that akad tabarru’ is all form akad done with benefaction purpose and help mutually, not for the commercial purpose
The Comparison of ‘Iddah and Ihdad in the Shafi’i and Hanafi School Yusroh; Haaniyatur Roosyidah; M. Arif Hakim
Hikmatuna : Journal for Integrative Islamic Studies Vol 9 No 2 (2023): Hikmatuna: Journal for Integrative Islamic Studies, December 2023
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/hikmatuna.v9i2.1213

Abstract

This article discusses comparisons that include the similarities and differences between the Shafi'i and Hanafi Schools in interpreting 'iddah and ihdad with a literature review. The method used in uncovering the purpose of this research is literature studies with research sources in the form of various books, articles, and other documents. The data were then analyzed using a comparative descriptive and a qualitative approach. The study results show the differences between the Shafi'i and Hanafi Schools in interpreting 'iddah and ihdad. Apart from the definition of 'iddah and calculating the period of 'iddah, these two schools have some similarities. The difference between these two Schools is in the meaning of the quru' during the 'iddah period for a woman divorced by her husband while her menstruation is not interrupted. The next difference is the prohibition for women in ihdad to leave the house. The two schools of thought both allow women to leave the house for ihdad, but the Hanafi school tends to limit it to working only to make a living, not for other needs, while the Shafi'i school is more relaxed, in the sense of leaving the house for a particular purpose. Another difference is that the Hanafi School requires divorced women to perform 'ihdad, whereas according to the Shafi'i School, it is only recommended. For women who work (career), if she is required to perform 'iddah or ihdad, then she continues to do so as long as she knows the limits she has to go out and does not violate the abovementioned provisions.
The Comparison of ‘Iddah and Ihdad in the Shafi’i and Hanafi School Yusroh; Haaniyatur Roosyidah; M. Arif Hakim
Hikmatuna : Journal for Integrative Islamic Studies Vol 9 No 2 (2023): Hikmatuna: Journal for Integrative Islamic Studies, December 2023
Publisher : UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/hikmatuna.v9i2.1213

Abstract

This article discusses comparisons that include the similarities and differences between the Shafi'i and Hanafi Schools in interpreting 'iddah and ihdad with a literature review. The method used in uncovering the purpose of this research is literature studies with research sources in the form of various books, articles, and other documents. The data were then analyzed using a comparative descriptive and a qualitative approach. The study results show the differences between the Shafi'i and Hanafi Schools in interpreting 'iddah and ihdad. Apart from the definition of 'iddah and calculating the period of 'iddah, these two schools have some similarities. The difference between these two Schools is in the meaning of the quru' during the 'iddah period for a woman divorced by her husband while her menstruation is not interrupted. The next difference is the prohibition for women in ihdad to leave the house. The two schools of thought both allow women to leave the house for ihdad, but the Hanafi school tends to limit it to working only to make a living, not for other needs, while the Shafi'i school is more relaxed, in the sense of leaving the house for a particular purpose. Another difference is that the Hanafi School requires divorced women to perform 'ihdad, whereas according to the Shafi'i School, it is only recommended. For women who work (career), if she is required to perform 'iddah or ihdad, then she continues to do so as long as she knows the limits she has to go out and does not violate the abovementioned provisions.
Co-Authors Haaniyatur Roosyidah Yusroh