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All Journal JOURNAL EQUITABLE Al-Zayn: Jurnal Ilmu Sosial & Hukum
Nugraha, Muhammad Al Haadi
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice

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IMPLIKASI PRINSIP SYARI’AH TERHADAP PENGATURAN ASURANSI DALAM SEKTOR TRANSPORTASI DI INDONESIA Nugraha, Muhammad Al Haadi; Desril, R
JOURNAL EQUITABLE Vol 10 No 3 (2025)
Publisher : LPPM, Universitas Muhammadiyah Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37859/jeq.v10i3.10133

Abstract

Sharia insurance emerges as an alternative to address the issues found in conventional insurance practices, which contain elements of gharar (ambiguity), riba (interest), and maisir (gambling). The transportation sector in Indonesia, with its high risks such as accidents and cargo damage, requires insurance protection based on sharia principles. This study aims to analyze the provisions of sharia insurance that conflict with conventional insurance in the transportation sector and the implementation of sharia principles in this sector. The research method used is normative legal research with a descriptive-analytical approach, analyzing applicable regulations and related literature. The findings show that sharia insurance prioritizes justice, transparency, and mutual assistance among participants. The main challenge is the lack of public understanding of this system. Recommendations for the government and insurance companies include strengthening regulations and conducting education to promote sharia insurance in the transportation sector.
Analisis Normatif Terhadap Seojk No. 7/2025 Tentang Asuransi Kesehatan Berbasis Syariah Dalam Perspektif Hukum Administrasi Negara Nugraha, Muhammad Al haadi; Rizal, Said; Kurniawan, Ridha; Deva, Adam; Novrizal, Nanda; Marliana, Lenny
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 3 No 5 (2025): 2025
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v3i5.2572

Abstract

Tujuan penelitian ini untuk menganalisis kekaburan hukum dalam SEOJK Nomor 7/2025 terhadap penerapan asuransi kesehatan syariah dan merumuskan konstruksi normatif agar regulasi umum selaras dengan prinsip syariah, asas legalitas, dan kepastian hukum dalam kerangka hukum administrasi negara. Penelitian ini menggunakan metode yuridis normatif dengan pendekatan perundang-undangan dan konseptual untuk menelaah kedudukan SEOJK No. 7/2025 dalam hierarki regulasi serta relevansinya terhadap prinsip hukum administrasi negara. Hasil kajian menunjukkan adanya potensi kekaburan hukum (legal obscurity) akibat ketiadaan standar syariah dalam norma teknis, yang dapat melemahkan asas legalitas, kepastian hukum, akuntabilitas, dan keterbukaan. Rekomendasi rekonstruktif yang ditawarkan meliputi penambahan lampiran teknis syariah, kewajiban audit independen, sanksi administratif khusus, kewajiban pengungkapan, serta mekanisme konsultasi publik. Harmonisasi ini diyakini mampu memperkuat legitimasi hukum, menjamin perlindungan konsumen syariah, meningkatkan efektivitas pengawasan OJK, dan mendukung perkembangan industri asuransi syariah dalam kerangka hukum administrasi negara
Co-Authors Deva, Adam Marliana, Lenny Novrizal, Nanda Raja Desril Ridha Kurniawan rizal, said