SEJARAH, PRINSIP, DAN PERBEDAAN ANTARA ASURANSI TAKAFUL/ASURANSI SYARI’AH DAN ASURANSI KONVENSIONAL

The phenomenon of insurance actually arising from a group of
people who are determined to establish a social gathering in order to
alleviate the financial burden between them, as well as to avoid any
financing difficulties they face.
Currently the demand for insurance services is increasing perceived
both by the households, businesses, and government. Such insurance is
required as a means to face the risk of a more complex and varied. The
danger that is feared that among others include: loss, damage, theft, fire,
accident, illness, or even death.
But a lot of variety and types of insurance that exist so that we
sometimes confused and incorrect perception of where Islamic/Sharia and
which are non-Islamic or even identical to the conventional? not least
because of the type of insurance that is allegedly containing
gharar/speculation, maisyir/chancy, usury, gambling and exploitation
(often there is an imbalance between the value of the premiums and
compensation), as well as their freedom of investment in the sectors of
immoral and usury. Takaful insurance is insurance that are developed
with a system of mutual risk sharing among members in a way each
spend tabarru, namely outright funds paid for the purpose of bearing one
another among members.