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All Journal YASIN: Jurnal Pendidikan dan Sosial Budaya Jurnal Al-Wasith : Jurnal Studi Hukum Islam
Reni Kurniawati, Reni
Universitas Diponegoro
Education Social Sciences Other

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Sharia Insurance (Takaful) in the View of Contemporary Muamalah Kurniawati, Reni; Assidiq, Mahfuz; Supriadi, Supriadi; Kamaruddin, Kamaruddin
YASIN Vol 5 No 5 (2025): OKTOBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/yasin.v5i5.6747

Abstract

Sharia insurance (takaful) is a Sharia-compliant financial protection system that operates on the principles of mutual assistance (ta‘āwun) and the tabarru’ (donation-based) contract, offering an ethical alternative to conventional insurance. This study was motivated by the growing interest in Sharia insurance among Indonesian Muslims seeking financial solutions aligned with Islamic law. The research aims to explore the concept of Sharia insurance from the perspective of contemporary muamalah (Islamic commercial transactions) and to analyze scholarly views regarding its legal permissibility. Utilizing a qualitative library research method, data were sourced from scientific journals, books, and relevant Islamic legal references. The findings indicate that takaful is permissible within Islamic jurisprudence when based on social contracts that avoid elements prohibited in Islamic finance, such as riba (usury), maysir (gambling), and gharar (excessive uncertainty). While some differences in scholarly opinion exist, there is broad consensus that takaful reflects a non-commercial, cooperative model consistent with Islamic ethical values. The study concludes that Sharia insurance holds strong potential as a legitimate and socially responsible protection system under Islamic law, but its broader acceptance depends on enhanced regulatory frameworks, public education, and the development of more accessible and diverse products.
PENGGABUNGAN IBADAH SEJENIS DALAM SATU AMAL: ANALIS KAIDAH TADAKHUL AL-IBADAT DALAM FIKIH Oktaviani, Ria; Kurniawati, Reni; Musyahid, Achmad; Anwar Kuba, Imran
Jurnal Al-Wasith : Jurnal Studi Hukum Islam Vol. 10 No. 2 (2025): Jurnal Al-Wasith: Jurnal Studi Hukum Islam
Publisher : Universitas Nahdlatul Ulama Al Ghazali Cilacap

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52802/wst.v10i1.1694

Abstract

Kaidah fikih “idza iyjma’at ibdatanio min jinsin wahid, tadakhala af’aluhuma wa iktufiya anhuma bif’lin wahid in kana maqsaduhuna wahidan” merupaka suatu peinsip penting dalam memahami flesibilitas dalam hukum ibadah Islam. Kaidah ini menyatakan bahwa jika dua ibadah yang sejenis digabung dalam satu amal apabila keduanya mempunyai bentuk dan juga tujuan yang sama. Penelitian ini bertujuan untuk mengkaji kaidah tersebut secara mendalam melaui pendekatan kualitatif dengan metode deskriptif analitis melalui studi pustaka. Hasil analisis memperlihatkan bahwa kaidah ini hanya dapat berlaku pada ibadah yang benar-benar sejenis dalam bentuk dan juga maqsad. Studi kasus pada penggabungan salat qabliyah dan tahiyyat al-masjid membuktikan dalam penerapan kaidah ini dapat memberikan kemudahan yang dibenarkan dalam syariat. Akan tetapi, penerapannya juga harus memenuhi syarat fikih yang sangat ketat supaya tidak menyimpang dari prinsip tauqiyah ibadah. Oleh karena itu, kiadah ini dapat menjadi bukti bahwa Islam ialah agama yang flesibel tetapi berbasis pada nash dan juga kaidah.
Co-Authors Achmad Musyahid, Achmad Anwar Kuba, Imran Assidiq, Mahfuz Kamaruddin Kamaruddin Madjid, T. Abdul Muktiono Waspodo Oktaviani, Ria Supriadi Supriadi