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Journal : Al-Mudharabah

ANALYSIS OF THE PAYMENT COVERAGE AT PT. JASA RAHARJA IN BANDA ACEH ACCORDING TO THE CONCEPT OF KAFALAH Maulana, Muhammad; Fadila, Alifa
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 4 No. 1 (2023): Al-Mudharabah : Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v4i1.3045

Abstract

The risks that often occur in accidents tend to vary from the mildest accidents to those that take lives. In this case, PT. Jasa Raharja has entered into an agreement with the participants about the type of risk and the premium level that will be given when the risk occurs. However, in some cases, there tends to be a difference in the form of claims made by the participants to the coverage provided by PT. Jasa Raharja so that it can harm the participants who have paid the premium. This thesis is focused on answering three important things, 1) How to assess the condition of the object of coverage for the submission of insurance claims at PT. Jasa Raharja, 2) How is the calculation and determination of the accident insurance value determined by the management of PT. Jasa Raharja Banda Aceh on the risks experienced by participants, 3) What is the perspective of the concept of kafalah on the calculation of the accident insurance value at PT. Jasa Raharja. This research is a qualitative research that is descriptive analysis with a sociological normative approach, where the data obtained is sourced from the results of observations and interviews. The results of the study show that, first, the assessment of the condition of the insured object is categorized into three main groups, namely: treatment (injuries), permanent disability, and death. Second, the value of coverage provided by PT. Raharja services vary according to the risk experienced by participants when an accident occurs. Third, the coverage carried out by PT. Raharja's services to traffic accident victims are in accordance with the concept of kafalah that has been explained by the jurists in the fiqh of muamalah regarding the coverage carried out by third parties against risks that occur based on the agreement of the first, second and third parties. However, in the concept of kafalah, there is no maximum of the amount of insurance costs that must be borne by the kafil for makful'ahu.
SISTEM PEMERIKSAAN ALAT PEMADAM KEBAKARAN PERSPEKTIF MILK AL DAULAH: STUDI PADA PEMADAM KEBAKARAN BANDA ACEH Nurvira, Khairatun Aini; Maulana, Muhammad; Umur, Azmil
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 3 No. 2 (2022): Al-Mudharabah : Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v3i2.5653

Abstract

The Banda Aceh City Fire and Rescue Service must ensure that fire extinguishers are well maintained and can be used at any time in an emergency. Fire extinguishers are state property that are useful for the community. Therefore, the author aims to conduct research to find out how fire extinguishers are inspected at the Banda Aceh City Fire and Rescue Service, as well as what Milk al Daulah's perspective is regarding checking fire extinguishers at the Banda Aceh City Fire and Rescue Service. This research uses a sociological juridical method with a qualitative research type, and data was obtained using interview techniques and documentation. Based on the research results, it was found that, first, inspection and maintenance of fire extinguishers at the Banda Aceh City Fire and Rescue Service was carried out by checking and warming up the engine, checking lubricants and fuel, checking the condition of tires, checking the braking system, checking equipment completeness. fire extinguisher, electrical system inspection, exterior maintenance, water tank drain, and vehicle roadworthiness test. Maintenance is carried out regularly at certain time intervals. Usually every 3 months, 6 months or 1 year. Depends on manufacturer's instructions, vehicle model and components used. Second, the Banda Aceh City Fire and Rescue Service is responsible for inspecting fire extinguishers. So that these tools function and are used properly when a fire disaster occurs. Maintaining fire extinguishers provides benefits to the community. The Banda Aceh city fire and rescue service as the regional government has done its job well in carrying out inspections of fire extinguishers, therefore this is in accordance with the concept of milk al-daulah
Co-Authors - Afrizal Abdul Karim Abdul Sani Abdullah Abdullah Adhan, Afirzo Adisti, Fransiska Aflinosa, Chala Afriani, Susi Agusdi Syafrizal, Agusdi Aguswandi, Lalu Heri Ahmad Suriansyah Akhmad Al Aidhi Algifari, Ridho Alhaqiqi, Candra Alidar, EMK. Amirrah, Reffa Amri, Aulil Amrulloh, Ashfia Andari, Michelle Safna Andi Sanjaya Anisun, Ulfa Annisa Rizkina Anshori, Rizki Irfan Ar, Mutiara Rengganis Ardiyaningsih Puji Lestari Ariningrum, Nurul Ariningrum, Nurul Diah Arum, Maysaroh Aslamiah Aslamiah Aulia Ghina Sabilla Azmil Umur, Azmil Azzahra, Natasya Jasmine Badaron, St. Fauziah bakhtar, suci sukma paramitha Balqis, Aurelia Corrinna Basuki, Sucipto Candra Wijaya, Candra Candra, Elin Damayanti, Ervina Desmulyati, Desmulyati Dinanty, Najwa Sabrina Duha, Ketabahan Dwiputri, Maliya Finda Dyah Susilowati Dzulfani, Syafina Irlin EMK Alidar, EMK Erlina Erlina Fadila, Alifa Fadila, Naila Fajriyyah, Latifatul Fauzan Hafizh, Ahmad Fenolia, Sheila Fildzia, Ayrin Sazwa Filzah, Nadhilah Fitri, Rati Saktia Fitria Saftarina Fitryantica, Agnes Gadya, Adisa Hadibrata, Exsa Havna Hayati, Atika Helmi Ismunandar Helna Wardhana Heriyato, Heriyanto Holdani Kurdi Huwaida, Maitsa Idris, Yunita Idrus, Yasnawi Ihsan, M. Khaerul Ikhsan, Muhammad Al Imam Budiawan Inatsa, Najma Insani, Muhammad Fitrah Intan Kusumaningtyas Iswandi Darwis Jannah, Sahlli Jausal, Anisa Nuraisa Jazuly, Zaky Jihad, Azka Akmalia Joko Priyono Kasmanto Rinaldi, Kasmanto Khairul Amri Khairun Nisa Kirana, Shela Sandra Kun Harismah Kurnianingsih, Ananda Mydi Kurniawaty, Evi Kusumawati, Wisnu Dewi Laeli, Ida Laila, Apida Latuconsina, Ali Alwi G. Luthfian, Muhamad Maghfirah, Dinni Makaria, Eklys Cheseda Mardiana, Aklima Marfu'ah, Marfu'ah Maricar, Muhammad Husni Marta, Annisa Tiara Marwah, Siti Mas’ud, Abi Maulana, Muhammad Rifky Meilani, Dini Melati, Fadhila Fitra Metandi, Farindika Miryam B Lilian Wijaya Muhammad Akmal Muhammad fauzan Muhammad Iqbal Muhammad Ricky Ramadhian Muliadi Nadifa, Shallu Afdha Nailia, Nur Nasution, Bryantdary Arrafif Naufal Hanif Ngadiman, Sidik Nur Noknik Karliya Herawati NOVITASARI Nurfansyah Nurjanah, Bety Anisa Nurjanah, Bety Anisa Dwi Nursiastuti, Nurasiah Nurvira, Khairatun Aini Pabiola, Dea Okta Pamarta, Rachel Dwyana Pardilawati, Citra Yuliyanda Permana, Bintang Johan Permatasari, Nina Pertiwi, Shavira Prasetyo, Fajar Dwi Prayogi, Norbertus Marcell Putra, Ardian Reza Qoriba, Fathan Rahma, Lintang Putri Rahmat Rahmat Rahmat, Aprin Nabila Rahmat, Arip Rahmi, Fauziah Rajiani, Ismi Ramadhan, Faris Ramadhan, Rifqi Ihza Ramadhani, Muhammad Aulia Ramadhina, Farrasyifa Ramdini, Dwi Aulia Ramly, Arroyyan Rani Himayani Rekha Nova Iyos, Rekha Nova Resmiranta, Dading Oktaviadi Riduan, Ahmad - Rika Lisiswanti Rindiantika, Vista Riska, Binrianur Risti Graharti Rizki Nisfi Ramdhini Rony Setiawan Roslaili, Yuni Ruslan, Muhammad Ibnu Maulana Rusmaniah, Rusmaniah Sabrina, Sovia Safitri, Lutfiyah Saiful Bahri Salsabilah, Nadya Samsuardi Samsuardi, Samsuardi Sangging, Putu Ristyaning Ayu Saputro, Bayu Ardi Sarman S, Sarman S Setiabudi, Ananda Lutfi Setiawan, Muhammad Andri Setiawan, Rizky Setiorini, Anggi Shabarullah, Shabarullah Sihaloho, Yohanna Christiani Sisilia, Dea Anugrah Soegiarto, Eddy Sosiawan Nusifera Sulya, Hana Sunarto Sunarto Sunita, Asfa Suparwany, Suparwany Suri, Nurma Suryadi Islami Susi Rahayu Sutarto Sutarto Syah, Yuhasnibar Syaharuddin Syahrul R, Syahrul TA Larasati Tanwir, Tanwir TRI WRAHATNOLO Triyono, Sigit Usman, Bustamam Vanadis, Zifa Aisha Verani, Verani Wardhana, Muhammad Fitra Wibowo, Fasih Wibowo, Galih Surya Widjaja, Jovan WINANTI, WINANTI Winda Trijayanthi Utama, Winda Trijayanthi Wiskandar , Yesi Aprianti Yuhasnibar Yulia Alia Yunizar, Muhammad Zain, Fifi Nurhaliza Putri Zainuri, Hamzah Zulfa Jamalie