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History of insurance
• From Italy & Andalus
• Conventional Insurance
• Capitalist
Insurance??
Haram
• Interest (‫سود‬)
• Gambling (‫قمار‬)
• Uncertainty (‫ر‬‫غر‬)
Shari Hukam??
Haram
• Interest (‫سود‬)
• Hope of more amount
• Direct and indirect interest
1. Commutative Contract
2. Interest business...
Haram
• Gambling (‫قمار‬)
1. The activity or practice of playing at
a game of chance for money.
2. The act or practice of ...
Haram
•Uncertainty (‫ر‬‫غر‬)
Something that is uncertain or that
causes one to feel uncertain.
Shari Hukam??
Two points:
1. Concept of insurance
2. Practice of insurance
Takaful??
Two points:
1. Concept of insurance
 Mutual co operation
 Future plan
Takaful??
Two points:
2.Practice of insurance
• Interest (‫سود‬)
• Gambling (‫قمار‬)
• Uncertainty (‫ر‬‫غر‬)
Takaful??
 End of Commutative Contract
 Pool of Charity
 Donation Program
 There are three partner:
1. Takaful Company
(ameen,mo...
Company model:
1. Waqaf pool
2. Share holder are founder
3. Members funds
4. Takaful operate is Motawali
5. Funds not for ...
Insurance Takaful
 Two parties Three parties
 One contract Many contracts
 Funds belong to Funds belong to
company pool...
Insurance
Insurance
Insurance
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Insurance

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Insurance

  1. 1. History of insurance • From Italy & Andalus • Conventional Insurance • Capitalist Insurance??
  2. 2. Haram • Interest (‫سود‬) • Gambling (‫قمار‬) • Uncertainty (‫ر‬‫غر‬) Shari Hukam??
  3. 3. Haram • Interest (‫سود‬) • Hope of more amount • Direct and indirect interest 1. Commutative Contract 2. Interest business Shari Hukam??
  4. 4. Haram • Gambling (‫قمار‬) 1. The activity or practice of playing at a game of chance for money. 2. The act or practice of risking the loss of something important by taking a chance or acting recklessly. Shari Hukam??
  5. 5. Haram •Uncertainty (‫ر‬‫غر‬) Something that is uncertain or that causes one to feel uncertain. Shari Hukam??
  6. 6. Two points: 1. Concept of insurance 2. Practice of insurance Takaful??
  7. 7. Two points: 1. Concept of insurance  Mutual co operation  Future plan Takaful??
  8. 8. Two points: 2.Practice of insurance • Interest (‫سود‬) • Gambling (‫قمار‬) • Uncertainty (‫ر‬‫غر‬) Takaful??
  9. 9.  End of Commutative Contract  Pool of Charity  Donation Program  There are three partner: 1. Takaful Company (ameen,montazim) 2. Policy Holder 3. Common pool Takaful??
  10. 10. Company model: 1. Waqaf pool 2. Share holder are founder 3. Members funds 4. Takaful operate is Motawali 5. Funds not for use 6. Takaful funds divided into two :01-madrba account 02-Takaful account Takaful??
  11. 11. Insurance Takaful  Two parties Three parties  One contract Many contracts  Funds belong to Funds belong to company pool  Responsible for no responsible cover risk  Surplus belong to Surplus for pol company Takaful??

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