Perkembangan Wakaf Asuransi Syariah di Indonesia Pasca Terbitnya Fatwa DSN-MUI No. l06 Tahun 2016

Hakim, Muh. Luthfi; Asiyah, Siti

doi:10.35878/islamicreview.v9i2.223

Cited by 5 publications

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“…Angka ini mengalami kenaikan jika dibandingkan perolehan wakaf uang yang terkumpul sepanjang 2018 -2021 senilai 855 miliar rupiah. Perkembangan ini, pastinya didorong oleh banyak variabel, startegi dan model yang dibuat (Dewi & Nengsih, 2021;Hakim & Asiyah, 2020;Sup, 2021). Salah satu bentuknya adalah program berwakaf pada asuransi jiwa syariah.…”

Section: Pendahuluanunclassified

Wakaf Pada Asuransi Jiwa Syariah: Analisis Pada Fatwa Dsn-Mui No:106/Dsn-Mui/X/2016

Fauzi,

Mursal,

2024

Journal of Islamic Family Law

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Perwakafan di Indonesia secara terus meneurus dilakukan pengembanganya, terutama adanya pengembangan konsepsi berwakaf dalam bentuk asuransi jiwa syariah. DSN-MUI telah menetapkan kebolehanya, sebagaimana yang termuat didalam fatwa yang bernomor 106 pada tahun 2016. Karena itu, penelitian ini bertujuan untuk menganalisis konsep dan ketentuan hukum wakaf pada asuransi jiwa syariah yang diatur berdasarkan Fatwa DSN-MUI No: 106/DSN-MUI/X/2016. Penelitian ini adalah penelitian deskriptif kualitatif. Pengumpulan data berifat kepustakaan (metode library research), dengan menggunakan Fatwa DSN-MUI No: 106/DSN-MUI/X/2016 sebagai sumber primer, dan dengan mempergunakan content analysis sebagai alat analisis data. Pada wakaf manfaat asuransi ketentuan yang harus diperhatikan, seperti pihak yang ditunjuk untuk menerima manfaat asuransi menyatakan janji yang mengikat untuk mewakafkan manfaat asuransi, dan juga memperhatikan manfaat asuransi yang boleh diwakafkan paling banyak 45% dari total manfaat asuransi, dan juga semua calon penerima manfaat asuransi yang ditunjuk atau penggantinya menyatakan persetujuan dan kesepakatannya, serta memperhatikan ikrar wakaf dilaksanakan setelah manfaat asuransi secara prinsip sudah menjadi hak pihak yang ditunjuk atau penggantinya. Sementara, kententuan wakaf manfaat investasi yang harus diperhatikan, seperti kadar jumlah investasi yang boleh diwakafkan paling banyak 1/3 dari total kekayaan dan/atau tirkah, kecuali disepakati lain oleh semua ahli waris. Selain dari itu, mengenai ketentuan ujrah terkait produk wakaf, dimana harus memperhatikan dua hal, yaitu ujrah tahun pertama paling banyak 45% dari kontribusi regular dan akumulasi ujrah tahun berikutnya paling banyak 50% dari kontribusi regularWaqf in Indonesia is continuously being developed, especially the development of the concept of waqf in the form of sharia life insurance. DSN-MUI has determined its permissibility, as contained in fatwa number 106 in 2016. Therefore, this research aims to analyze the concept and legal provisions of waqf in Islamic life insurance which is regulated based on Fatawa DSN-MUI No: 106/DSN-MUI/X/2016. Data collection is in the form of literature (library research method), using Fatawa DSN-MUI No: 106/DSN-MUI/X/2016 as a primary source, and using Content Analysis as a data analysis tool. In the waqf of insurance benefits, provisions must be taken into account, such as the party appointed to receive the insurance benefits stating a binding promise to donate the insurance benefits, and also pay attention to the insurance benefits that can be donated at a maximum of 45% of the total insurance benefits, and also all potential recipients of insurance benefits the appointed person or his/her successor expresses his or her approval and agreement, and pay attention to the waqf ikrar carried out after the insurance benefits have in principle become the rights of the appointed party or his successor. Meanwhile, the provisions of waqf for investment benefits must be taken into account, such as the amount of investment that can be donated is a maximum of 1/3 of the total wealth and/or tirkah, unless agreed otherwise by all the heirs. Apart from that, regarding the ujrah provisions related to waqf products, two things must be taken into account, namely the first year's ujrah is a maximum of 45% of the regular contribution and the accumulation of the following year's ujrah is a maximum of 50% of the regular contribution.

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Section: Pendahuluanunclassified

Wakaf Pada Asuransi Jiwa Syariah: Analisis Pada Fatwa Dsn-Mui No:106/Dsn-Mui/X/2016

Fauzi,

Mursal,

2024

Journal of Islamic Family Law

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“…This tabarru' contract is a contract that is used for the benefit of the hereafter only, and this contract is not for commercial purposes. Explains further that if our goal is to profit, we use commercial contracts, namely tijarah contracts [29]. However, this does not mean that Cabarrus contracts cannot be used in commercial activities at all.…”

Section: Tabarru' Contractmentioning

confidence: 99%

Factors That Influence The Intention of The Millennial Community to do Waqf With a Modification of Theory Planned Behavior Approach

Zawawi

Mariyanti

Sari³

2022

ATM

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This research aims to analyze the influence of variables knowledge, attitudes, religious commitment, subjective norm, and the use of ICT Technology significantly influence behavior through the intention of the millennial generation in waqf in Jabodetabek. The methodology used in this study is the Structural Equation Model with the variables of knowledge, attitudes, religious commitment, subjective norms, and ICT technology as independent variables; intention as moderating variable, and waqf behavior as the dependent variable. The primary data of this study was obtained through a questionnaire survey to 290 respondents obtained through purposive random sampling from the millennial generation aged 21-40 years who live in Greater Jakarta. Then the data was analyzed using SPSS and AMOS software. Based on the results of this study, it was learned that the variable of knowledge does not affect the behavior of waqf through the intention of the millennial generation. In contrast, the variables of attitude, commitment, subjective norms, and the use of ICT technology had a positive and significant effect on waqf behavior through the intention of the millennial generation. This shows that the millennial generation, although their knowledge does not affect behavior, attitudes, commitment, subjective norms, and the use of ICT technology, have a positive and significant effect on waqf behavior results of this study indicate that the variables attitudes, religious commitment, subjective norm, and the use of ICT Technology significantly influence behavior through the intention of the millennial generation in waqf in Jabodetabek. At the same time, knowledge does not affect that behavior. This study implies that measuring consumer behavior should be equipped with additional indicators, namely intention, to analyze the behavior based on external factors and spiritual and social aspects.

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“…Insurance is a protection mechanism for the insured party if they experience risks in the future where the insured will pay premiums to get compensation from the insurer (Arifudin, Wahrudin, & Rusmana, 2020); (Afifah & Januarita, 2022). The growth of insurance in Indonesia has e-ISSN: 2723-6692 🕮 p-ISSN: 2723-6595 experienced significant growth in recent years (Hakim & Asiyah, 2020); . Data increased insurance growth from 205 companies in 2012 to 237 companies in 2016.…”

Section: Introductionmentioning

confidence: 99%

Solvency Ratio Analysis to Assess Financial Performance in Insurance Companies: Case Study PT. Taspen Life Insurance

Sumartinih

2024

JISS

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Assessing a company's financial performance is a very important thing to do. Financial performance assessment can also show the extent of the company's success in achieving its goals. The research object focuses on the problem of solvency ratio analysis to assess financial performance in the case study insurance company PT. Taspen Life Insurance. PT. Taspen Life Insurance is a subsidiary of PT TASPEN (Persero) with 99.97% share ownership and 0.03% shares owned by the Taspen Jakarta Employees Cooperative. Taspen Life provides a variety of group and individual life insurance product solutions that have the benefits of life protection, future and old age planning, education funds, and critical illness insurance. This research aims to determine the company's performance assessment through analysis of the solvency ratio at PT. Taspen Life Insurance. The subject of this research is PT. Taspen Life Insurance. The method used in this research is the analytical descriptive method. The type of data used is secondary data obtained from the PT company performance report website. Taspen Life Insurance in 2018, 2019, 2020, 2021, 2022. Based on the results of the study, the analysis of the solvency ratio on PT. Taspen Life Insurance in 2018, 2019, 2020, and 2022 is considered to have poor financial performance because its solvency level exceeds 200%. In 2021, the achievement of the solvency ratio of PT. Taspen Life Insurance is less than 200%, which can be interpreted as the financial performance of PT. Taspen Life Insurance in 2021 is considered quite good.

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Perkembangan Wakaf Asuransi Syariah di Indonesia Pasca Terbitnya Fatwa DSN-MUI No. l06 Tahun 2016

Cited by 5 publications

References 0 publications

Wakaf Pada Asuransi Jiwa Syariah: Analisis Pada Fatwa Dsn-Mui No:106/Dsn-Mui/X/2016

Wakaf Pada Asuransi Jiwa Syariah: Analisis Pada Fatwa Dsn-Mui No:106/Dsn-Mui/X/2016

Factors That Influence The Intention of The Millennial Community to do Waqf With a Modification of Theory Planned Behavior Approach

Solvency Ratio Analysis to Assess Financial Performance in Insurance Companies: Case Study PT. Taspen Life Insurance

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