Analisis Penerapan Prinsip-Prinsip Syariah Pada Akad Tabarru di Produk Asuransi Syariah ( Studi Kasus Asuransi Prudential Cabang Sampang )

Abstract

This study was used to determine the analysis of sharia principles in the insurance Prudential
Indonesia Sampang branch. This research includes qualitative methods, with interview and
documentation data collection techniques. The principles applied to Prudential insurance in the
Sampang branch are: 1) mutual assistance, 2) justice, 3) trustworthiness, 4) willingness, 5)
monotheism, 6) prohibition of usury, 7) prohibition of maysir, 8) prohibition of gharar. With the
results of Prudential Indonesia Insurance, the Sampang Branch has implemented sharia
principles in accordance with the DSN-MUI Fatwa No.21/DSN-MUI/X/2001 concerning general
guidelines for sharia insurance, DSN-MUI Fatwa. The mechanism for managing tabarru' funds
at Prudential Indonesia's Sampang Branch is in accordance with DSN-MUI Fatwa NO. 53/DSNMUI/III/2006 concerning tabarru' contracts in sharia insurance, DSN-MUI Fatwa No. 81/DSNMUI/III /2011 Regarding the refund of tabarru' for insurance participants who quit before the
end of the agreement period.