Destri Budi Nugraheni
Departemen Hukum Islam Fakultas Hukum Universitas Gadjah Mada

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Journal : Jurnal Media Hukum

PERLINDUNGAN HUKUM BAGI PEMEGANG POLIS DAN/ ATAU PESERTA ASURANSI JIWA DALAM AKAD WAKALAH BIL UJRAH PRODUK UNIT LINK SYARIAH Nugraheni, Destri Budi; Ilhami, Haniah
Jurnal Media Hukum Vol 20, No 2 (2013)
Publisher : Fakultas Hukum Universitas Muhammadiyah Yogyakarta

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Abstract

Syariah unit link life insurance is Syariah Insuranc’s product  that provide benefits and investment protection by allowing participants to choose the type of investment themselves. This product is abainding by the regulations, including the obligation to implement syriah principle. One form of akad that is used in this product is akad wakalah bil ujrah which authorizes the insurance company to manage the charity fund and investment funds. Legal protection for policyholders and/or participants should be implemented in the insurance policy specifically related to legal protection in the event of a loss in risk management activities and/or investment management activities caused by the willful misconduct, negligence, or breach of contract made by the Company Keywords : wakalah, syariah insurance, legal protection
ANALISIS FATWA DEWAN SYARIAH NASIONAL TENTANG WAKALAH, HAWALAH, DAN KAFALAH DALAM KEGIATAN JASA PERUSAHAAN PEMBIAYAAN SYARIAH Destri Budi Nugraheni
Jurnal Media Hukum Vol 24, No 2 (2017): December
Publisher : Fakultas Hukum Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jmh.2017.0088.124-136

Abstract

The objective of this research is to analyze the Fatwa of Dewan Syariah nasional (Syariah National Board) concerning Wakalah, Hawalah, and Kafalah so that whether it can be applied in the activities of islamic finance company. This is a juridical normative research and focused on analyzing secondary data, specifically in 2 (two) types of Legal material, Primary and Secondary Legal Matrerials. Furthermore, all data will be analyzed and presented descriptevely. This research shows  that, regarding Wakalah, the Fatwa about Wakalah and Wakalah bil Ujrah are in conformity with activities by Islamic Finance Company Service. Wakalah was used as Complementary Agreement in Murabahah Financing with Islamic Finance Company as Principal. In the other side, Fatwa concering Wakalah bil Ujrah used when Islamic Finance Company take a position as Grantee. Even though Financial Service Authority’s Regulation specify that service activities may use Hawalah and Kafalah Agreement, but based on this research’s analysis about Fatwa and Fikih, only Hawalah bil Ujrah and Kafalah bil Ujrah that may be used by Islamic Finance Company.