Rekonstruksi Asuransi Jiwa Syariah: Telaah Hadis tentang Transparansi dan Amanah dalam Jual Beli
DOI:
https://doi.org/10.64691/arba.v1i2.8Keywords:
Life Insurance; Hadith; Transparency; Trust; Buying and Selling.Abstract
The implementation of life insurance in the context of Islam requires a deep understanding of the principles of transparency and trust in buying and selling. The background of this study focuses on how the hadiths of the Prophet can be a guide in developing a strategy for implementing life insurance that is in accordance with Islamic teachings. The purpose of this study is to examine the relevance of the principles of transparency and trust contained in the hadith to the practice of life insurance, as well as to provide recommendations for implementation in accordance with Islamic ethics. The research method used is an in-depth literature study of the hadiths related to buying and selling and insurance transactions, coupled with a comparative analysis of modern life insurance practices. The results of the study indicate that the principles of transparency in contracts and trust between the parties involved are key to formulating life insurance policies that are in accordance with Islamic law. The discussion includes the application of these principles in life insurance contracts to ensure that the insurance products offered do not violate Islamic teachings and function as a form of fair and transparent protection for all parties.
References
Al-‘Asqalānī, A. bin ‘Alī bin Ḥajar. (1970). Fatḥ al-Bārī. al-Maktabah al-Salafiyyah.
Al-Bukhārī, A. ‘Abdillāh M. bin I. (1993). Ṣaḥīḥ al-Bukhārī (M. D. Al-Bugā (ed.)). Dār Ibnu Kaṡīr.
Al-Khaṭṭābī, A. S. Ḥamad bin M. (1997). Ma’ālim al-Sunan. Dār al-Kutb al-Ilmiyyah.
Al-Naisābūrī, A. al-Ḥusain M. bin al-Ḥajjāj al-Q. (1955). Ṣaḥīḥ Muslim (M. F. ‘Abd Al-Bāqī (ed.)). Muṣṭafā al-Bābī al-Ḥalabī.
Al-Nawawī, A. Z. M. Y. bin S. (1976). al-Minhāj Syaraḥ Ṣaḥīḥ Muslim bin al-Ḥajjāj. Dār Iḥyā’ al-Turāṡ al-‘Arābī.
Al-Sijistānī, A. D. S. bin al-A. bin I. bin B. bin S. bin ‘Amr al-A. (1993). Sunan Abī Dāwud (M. M. ‘Abd Al-Ḥamīd (ed.)). al-Maktabah al-Iṣriyah.
Al-Suyūṭī, ‘Abdurraḥmān bin Abī Bakar Jalāluddīn. (1999). Syaraḥ Sunan Ibnu Mājah. Qadīmī Kutub Khānah.
Ali, S. N. (2017). Building trust in Islamic finance products and services. Society and Business Review, 12(3), 356–372. https://doi.org/10.1108/SBR-03-2017-0017
Billah, M. M. (2019). Preview of Islamic Life Insurance Products. In Islamic Insurance Products: Exploring Takaful Principles, Instruments and Structures (pp. 247–269). https://doi.org/10.1007/978-3-030-17681-5_20
Cahyandari, R., Kalfin, Sukono, Purwani, S., Ratnasari, D., Herawati, T., & Mahdi, S. (2023). The Development of Sharia Insurance and Its Future Sustainability in Risk Management: A Systematic Literature Review. In Sustainability (Vol. 15, Issue 10, p. 8130). https://doi.org/10.3390/su15108130
Coşkun, A., Habibniya, H., & Keceli, Y. (2021). An Efficiency Analysis of Takaful Insurance Industry: A Comparative Study. Journal of Asian Finance, Economics and Business, 8(7), 111–120. https://doi.org/10.13106/JAFEB.2021.VOL8.NO7.0111
Fauzan, D. A., & Suherman. (2021). Perlindungan Hukum Pemegang Polis Asuransi Jiwa Terhadap Mis-Selling Oleh Agen Asuransi Di Pt. Bni Life Insurance. Jurnal Hukum De’rechtsstaat, 7(1), 1–20. https://doi.org/10.30997/jhd.v7i1.3844
Firmansyah, D., Setiawan, T., & Susetyo, D. P. (2021). Pentingnya Membangun Loyalitas Konsumen Melalui Kualitas Pelayanan dan Kepercayaan : Survei Tentang Pelayanan dan Loyalitas Pada Perusahaan Jasa. Jurnal Disrupsi Bisnis, 4(4), 304–313. https://doi.org/10.32493/drb.v4i4.10829
Johnson, M., Albizri, A., & Harfouche, A. (2023). Responsible Artificial Intelligence in Healthcare: Predicting and Preventing Insurance Claim Denials for Economic and Social Wellbeing. Information Systems Frontiers, 25(6), 2179–2195. https://doi.org/10.1007/s10796-021-10137-5
Kansil, C. S. T., & Sulistio, F. A. (2024). Analisis Elemen-Elemen Penting dalam Asuransi Berdasarkan Undang-Undang No. 40 Tahun 2014. MANTAP: Journal of Management Accounting, Tax and Production, 2(1), 177–182. https://doi.org/10.57235/mantap.v2i1.1600
Kusuma, D. G. A. D. (2022). Analisis Yuridis Penyebab Gagal Klaim oleh Nasabah di Perusahaan Asuransi Cigna (Studi Kasus Polis Nomor AU000000000760W). Jurnal Penelitian Serambi Hukum, 15(2), 89–95. https://doi.org/10.59582/sh.v15i02.578
Liana, V., & Nuriaslami. (2021). Pengaruh Media Pemasaran, Brand Image dan Customer Trust Terhadap Purchase Decision Polis Asuransi. Jurnal Ilmu Ekonomi Dan Bisnis Islam, 3(2), 125–134. https://doi.org/10.24239/jiebi.v3i2.73.125- 134
Lubis, R. (2020). Life Insurance In Positive Law And Islamic Law In Indonesia. Nurani: Jurnal Kajian Syari’ah Dan Masyarakat, 20(2), 307–316. https://doi.org/10.19109/nurani.v20i2.6757
Mājah, A. ‘Abdillāh M. bin Y. I. (2014). Sunan Ibnu Mājah (M. F. ‘Abd Al-Bāqī (ed.)). Dār al-Ṣadīq.
Malik, A., & Ullah, K. (2019). Takaful and Its Shariah Compliance. In Introduction to Takaful: Theory and Practice (pp. 33–43). https://doi.org/10.1007/978-981-32-9016-7_3
Mardhiah, A., & Afrizal. (2021). Insurance Perspective of Yusuf Qardhawi and Abdul Wahab Khalaf. Eduvest - Journal Of Universal Studies, 1(12), 1418–1427. https://doi.org/10.36418/edv.v1i12.296
Minaryanti, A. A., & Mihajat, M. I. (2023). A systematic literature review on the role of sharia governance in improving financial performance in sharia banking. Journal of Islamic Accounting and Business Research, 15(4), 553–568. https://doi.org/10.1108/jiabr-08-2022-0192
Monica, C., & Nurbaiti, S. (2019). Pertanggungjawaban Ptallianz Life Indonesia Terhadap Agen Asuransi Atas Penyampaian Informasi Yang Menyesatkan Kepada Tertanggung Berdasarkan Peraturan Perundang-Undangan Di Bidang Perasuransian. Reformasi Hukum Trisakti, 1(1), 1–13. https://doi.org/10.25105/refor.v1i1.10505
Nurwanah, A. (2016). Menguak Kekuatan dan Problematika Agency Theory Ditinjau dari Perspektif Islam. Assets : Jurnal Ekonomi, Manajemen Dan Akuntansi, 6(1), 1–10. https://doi.org/10.24252/.v6i1.1596
Paribhasagita, T., & Lisnawati. (2016). Pengaruh Customer Relationship Management Terhadap Loyalitas (Survei Pada Nasabah Asuransi Jiwa Prudentual Nasabah Cabang Kota Bandung). Journal of Business Management Education (JBME), 1(1), 37–53. https://doi.org/10.17509/jbme.v1i1.2277
Parmujianto. (2021). Perspective of Law No. 40 of 2014 Concerning Sharia Life Insurance Business in Risk Management. Maliki Islamic Economics Journal, 1(1), 42–52. https://doi.org/10.18860/miec.v1i1.12545
Pratama, A. S., Barkatullah, A. H., & Erliyani, R. (2019). Kedudukan Dana Asuransi Jiwa dalam Relevansinya dengan Pembagian Harta Warisan. Lambung Mangkurat Law Journal, 4(1), 119–128. https://doi.org/10.32801/LAMLAJ.V4I1.93
Raza, S. A., Ahmed, R., Ali, M., & Qureshi, M. A. (2019). Influential factors of Islamic insurance adoption: an extension of theory of planned behavior. Journal of Islamic Marketing, 11(6), 1497–1515. https://doi.org/10.1108/jima-03-2019-0047
Rohmatika, F. (2023). Perlindungan Hukum Klaim Asuransi Pemegang Polis Asuransi. Jurnal Riset Ekonomi Dan Akuntansi, 2(1), 182–190. https://doi.org/10.54066/jrea-itb.v2i1.1310
Salazar-Ordóñez, M., Rodríguez-Entrena, M., Cabrera, E. R., & Henseler, J. (2018). Understanding product differentiation failures: The role of product knowledge and brand credence in olive oil markets. Food Quality and Preference, 68, 146–155. https://doi.org/https://doi.org/10.1016/j.foodqual.2018.02.010
Sewu, P. L. S., Oktavia, R., & Lusiana, F. (2022). Analysis of the Existence of Insurance Fraud in the Case of Insurance Claim Payment Failure and the Legal Protection for Insurance Clients in the Insurance Company’s Failure to Pay Claims. European Journal of Law and Political Science, 1(5), 79–86. https://doi.org/10.24018/ejpolitics.2022.1.5.50
Steffek, A. K. (2022). Trust and Transparency in Insurance Contract Law: European Regulation and Comparison of Laws. Cambridge Yearbook of European Legal Studies, 24, 319–348. https://doi.org/10.1017/cel.2022.12
Taha, A. E., Saks, M. J., & Ellman, I. M. (2023). Improving Consumer Understanding of Short-Term Health Insurance: An Experiment. Medical Care Research and Review, 80(5), 496–506. https://doi.org/10.1177/10775587231172064
Verawaty, & Rembulan, C. L. (2022). Relasi Pertukaran Sosial antara Agen dan Nasabah Asuransi di Indonesia. Jurnal Diversita, 8(2), 180–204. https://doi.org/10.31289/diversita.v8i2.6159
Winarti, A. S., Indriastuti, H., & Sohsan, I. (2023). The Influence of Perceived Risk and Consumer Knowledge on Behavior Intention with Consumer Trust As an Intervening Variable in Life Insurance Products in Balikpapan and Makassar. Jurnal Indonesia Sosial Sains, 4(3), 229–245. https://doi.org/10.59141/jiss.v4i03.792
Zhang, A., Prang, K.-H., Devlin, N., Scott, A., & Kelaher, M. (2020). The impact of price transparency on consumers and providers: A scoping review. Health Policy, 124(8), 819–825. https://doi.org/https://doi.org/10.1016/j.healthpol.2020.06.001
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Aldi Munazri Rambe
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
