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All Journal As-Salam: Journal Islamic Social Sciences And Humanities Jurnal Sahabat ISNU SU
Zaldy Ichsan Febrian
Unknown Affiliation
Religion Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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Donasi Sosial Lintas Agama: Tinjauan Fiqh Muamalah dalam Pengabdian Mahasiswa HES Zaldy Ichsan Febrian; Mhd. Dzaky Ramadhan; Lia Adetia Harahap; Mei Purnama Sari; Rafika Shahira Adisty; Siti Rahayu
Getpress Management Journals Vol 3 No 3 (2025): As-Salam: Journal Islamic Social Sciences and Humanities
Publisher : Yayasan Salam Cerdas Al-Fattah

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Abstract

This article discusses the practice of hibah (voluntary giving) in interfaith social donations carried out by students of Islamic Economic Law (HES) as part of a community service program. The main focus lies in how the concept of hibah in fiqh muamalah can be applied within the context of multicultural social life, particularly in Indonesia, which is known for its religious diversity. This study employs a descriptive qualitative method with a field study approach, in which students directly participated in interfaith donation activities at the community level. The findings reveal that hibah, as a form of voluntary giving, can serve as a medium of da‘wah bil hal (preaching through action) while simultaneously strengthening social relations among people of different faiths. The article further emphasizes that fiqh muamalah is not only relevant in the field of economic transactions but also plays a significant role in fostering social harmony through the instrument of hibah.
Comparison of Fund Management Systems in Conventional Insurance and Sharia Insurance Aicha Azdina Adly Fesya; Salsabilla Hamdi; Larasati Ritonga; Zaldy Ichsan Febrian; Ilham Soleh Tanjung
Jurnal Sahabat ISNU SU Vol. 3 No. 1 (2026): ISNU Sahabat Januari
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jsisnu.v3i1.1249

Abstract

Insurance is a crucial instrument in the financial system, serving as a means of risk management. In Indonesia, insurance practices have developed into two main systems: conventional insurance and sharia insurance, which differ fundamentally, particularly in fund management. This article aims to compare fund management systems in conventional and sharia insurance, based on a review of previous research, laws and regulations, and relevant literature. The research method used is library research with a qualitative descriptive approach. The results indicate that fund management in conventional insurance is based on the principle of risk transfer, with a system of pooling premiums owned by the company, and investment management that potentially contains elements of riba, gharar, and maisir. Meanwhile, sharia insurance applies the principle of risk sharing through tabarru' and tijarah contracts, with the separation of participant funds from company funds, and investment management that must comply with sharia principles. Furthermore, differences in fund management are also reflected in the underwriting surplus mechanism and oversight by the Sharia Supervisory Board. Thus, it can be concluded that the fund management system in Islamic insurance has more transparent characteristics and is oriented towards the principles of justice and mutual assistance, in contrast to conventional insurance which is oriented towards company profits.
Co-Authors Aicha Azdina Adly Fesya Ilham Soleh Tanjung Larasati Ritonga Lia Adetia Harahap Mei Purnama Sari Mhd. Dzaky Ramadhan Rafika Shahira Adisty Salsabilla Hamdi Siti Rahayu