Analisis Asuransi Nelayan Mandiri Terpercaya Perspektif Takaful (Studi Kasus Kabupaten Bengkalis)

Aji Purwanto, Muhamad
Munawarah, Faridatul

Qawanin: Journal of Economic Syaria Law
Vol 9 No 1 (2025): June

Takaful is an insurance concept based on the principles of mutual assistance (ta'awun) and sharing risks (tabarru') with other insurance participants. The concept of takaful emphasizes social solidarity and togetherness which is in line with Islamic values. This research uses a qualitative method in the nature of library research, namely a data collection method by searching for sources and constructing them from various sources such as journals, websites and previous research. Bengkalis Regency fishermen who are targeted by BPAN include small fishermen and traditional fishermen with insurance against the risk of death while fishing, permanent disability due to accidents, medical costs and death compensation outside of fishing activities as well as receiving insurance benefits. Trusted Mandiri fishermen's insurance in Bengkalis Regency is not fully in accordance with the takaful concept which is based on the principle of mutual assistance where only life insurance is applied and the insurance benefits are received. Takaful adalah konsep asuransi yang berdasarkan prinsip saling tolong menolong (ta’awun) dan saling berbagi risiko (tabarru’) dengan peserta asuransi lainnya. Konsep takaful menekankan terhadap solidaritas sosial dan kebersamaan yang sejalan dengan nilai-nilai keislaman. Penelitian ini menggunakan metode kualitatif bersifat studi pustaka (library research) yakni metode pengumpulan data dengan mencari sumber-sumber dan mengkontruksi dari berbagai sumber seperti jurnal, website dan penelitian-penelitian terdahulu. Nelayan Kabupaten Bengkalis yang menjadi sasaran BPAN meliputi nelayan kecil dan nelayan tradisional dengan jaminan risiko kematian saat menangkap ikan, cacat tetap akibat kecelakaan, biaya pengobatan dan santunan kematian diluar kegiatan menangkap ikan serta menerima manfaat pertanggungan. Asuransi nelayan Mandiri Terpercaya di Kabupaten Bengkalis belum sepenuhnya sesuai dengan konsep takaful yang berlandaskan pada prinsip tolong-menolong dimana hanya menerapkan asuransi jiwa dan menerima manfaat pertanggungan.