fhg;GWjp – Nfhl;ghLk;      eilKiwAk;            IBM 11013Introduction to Islamic Economics        Islamic Insurance       ...
cs;slf;fk;•   fhg;GWjp – XH mwpKfk;•   fhg;GWjp Vd; Njit (Kf;fpaj;Jtk;)•   fhg;GwWapd; Njhw;wKk; tsh;r;rpAk;•   fhg;GWjp t...
fhg;GWjp vd;why; vd;d?• Fwpj;j egH my;yJ epWtdk;> jkJ  nrhj;J my;yJ MAs; my;yJ  nghWg;gpw;fhf VjhtJ rk;gtj;jhy;  Vw;gLk; N...
fhg;Gwjpapd; Njhw;wKk;         tsHr;rpAk;• 1601 ,q;fpyhe;jpd; ghuhSkd;wr; rl;lk;  fhg;GWjp gw;wp njspTgLj;JfpwJ.• kf;fs; V...
• gpupj;jhdpah ,f;fhg;GWjp Kiwia  ,j;jhypauplkpUe;J fw;Wf;nfhz;lJ• 1966 Mk; Mz;L 2Mk; rhy;]; kd;dd; fhyj;jpy;  ,q;fpyhe;jp...
fhg;GWjp Vd; mtrpak;?• tpahghupapd; KjyPl;Lj; njhiff;fhd ghJfhg;ig  cj;juthjg;gLj;JfpwJ• tHj;jfj;jpd; kPJs;s KjyPl;lhsdpd;...
• nghpa njhopw;rhiyfs; Njhd;w tha;g;G  Vw;gLj;jg;gLfpwJ• tq;fpfspd; cjtpAld; ,aq;Fk; Vw;Wkjp>  ,wf;Fkjp mYty;fspy; Vw;gLk;...
• fsQ;rpaj;jpy; Nrkpf;fg;gl;l gz;lq;fs;  jPg;gw;Wk; NghJ> my;yJ fsthlg;gLk; NghJ  fhg;GWjpapdhNyNajhd; mjid <L nra;a  KbAk...
• $ypcupikahf;F Kiwapy;  ngw;Wf;nfhs;sg;gl;l tPL> tPl;Lg;  nghUl;fs; vd;gtw;wpw;F Vw;glf;$ba  el;lk; my;yJ Nrjj;jpw;F etPd...
fhg;GWjp tiffs;1   jdpahs; fhg;GWjp – Insurance of Person    c-k;: MAl; fhg;GWjp> nrsf;fpa eyd; fhg;GWjp2   nrhj;Jf; fhg;G...
gpwHgha;f; fhg;GWjp – Third          Party Insurance• gpwHgha;f; fhg;GWjp nghWg;Gf; fhg;Gwjpap;y;  mlq;Fk; xU tifahFk;• fl...
• c-k;: jPf;fhg;GWjp ngWNthH mj;Jld; nts;sj;jhy; Vw;gLk;  Nrjj;ijAk; cs;slf;fpf; nfhs;sy;• jPf;fhg;GWjp + gapHtiff; fhg;GW...
fhg;GWjpapd; mbg;gilfs;1. Utmost Good Faith – cr;r ek;gpf;if   nfhLf;fy; thq;fypd; NghJ   fhg;GWj;JNthd;> fhg;GWjp ngWNthd...
2. Insurable Insurance - fhg;GWjp cupik    fhg;GWjp cupikapd;wp vtUk;    fhg;Gwjpiag; ngw KbahJ. Fwpj;j    nghUSf;F fhg;Gu...
4. Contribution - cjT njhif   G+uz el;lk; my;yJ Nrjk; my;yJ Ngupog;G   vd;gtw;wpw;F Nkyhf fhg;GWj;JNthdplk;   Nrjel;laPL n...
6. Proximate Cause – mz;ikf; fhuzk;  fhg;GWjp nra;ag;gl;l tpgj;jpy;  Vw;gl;l Nrjkhff; nfhs;sf;$ba  fhuzpahf ,Ue;jhy; kl;LN...
fhg;GWjpg; gpNuuizg; gj;jpuKk;            cWjpAk;fhgGWjp ngWtjw;fhd Kd;nkhopTg;gj;jpuk;:1. Kd;nkhopNthdpd; ngaH2. Kftup3. ...
• Kd;nkhopTg; gj;jpuj;jpy; fhzg;glf;$ba  kw;Wk; gy tplaq;fs; :1. fhg;GWjp2. nry;Ygbahfhjhf;fy; - Cancellation3. eLj;jPh;g;...
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Islamic insurance

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Islamic insurance

  1. 1. fhg;GWjp – Nfhl;ghLk; eilKiwAk; IBM 11013Introduction to Islamic Economics Islamic Insurance RA.Sarjoon Lecturer in charge 09.06.2011
  2. 2. cs;slf;fk;• fhg;GWjp – XH mwpKfk;• fhg;GWjp Vd; Njit (Kf;fpaj;Jtk;)• fhg;GwWapd; Njhw;wKk; tsh;r;rpAk;• fhg;GWjp tiffs;• fhg;GWjpr; nrad;Kiw• flw; fhg;GWjp• jPf; fhg;GWjp• MAl; fhg;GWjp• tpgj;Jf; fhg;GWjp
  3. 3. fhg;GWjp vd;why; vd;d?• Fwpj;j egH my;yJ epWtdk;> jkJ nrhj;J my;yJ MAs; my;yJ nghWg;gpw;fhf VjhtJ rk;gtj;jhy; Vw;gLk; Nrjj;jpw;Nfh> el;lj;jpw;Nfh Fwpj;j gzj; njhifapy;> my;yJ mjw;Ff; fpl;ba njhifapy; el;laPL nrYj;Jtjw;fhf fhg;GWj;JNthDf;F jtiz Kiwapy; gzf; nfhLg;gdT nra;tjhf Nkw;nfhs;sg;gLk; XH cld;gbf;if fhg;GWjp vdg;gLk;.
  4. 4. fhg;Gwjpapd; Njhw;wKk; tsHr;rpAk;• 1601 ,q;fpyhe;jpd; ghuhSkd;wr; rl;lk; fhg;GWjp gw;wp njspTgLj;JfpwJ.• kf;fs; VjhtJ Jzpfur; nraiy nra;tjw;F Kd; jk; nghUs;> fg;gYf;F gzk; nrYj;jp fhg;GWjp nra;Ak; gof;fk; ,Ue;jJ.• flw; fhg;GWjpNa Kjd;ikahdJ. kpf ePz;l fhy tuyhw;iwf; nfhz;lJ. 1Mk; vyprNgj; kfhuhzpahH fhyj;jpy; flw; fhg;GWjpNa kpfg; gpugy;ak; ngw;wpUe;jJ.
  5. 5. • gpupj;jhdpah ,f;fhg;GWjp Kiwia ,j;jhypauplkpUe;J fw;Wf;nfhz;lJ• 1966 Mk; Mz;L 2Mk; rhy;]; kd;dd; fhyj;jpy; ,q;fpyhe;jpy; ngUk; jP Vw;gl;lJ. ,jd; tpisNt jPf; fhg;GWjp Kiw mwpKfk; nra;ag;gl;lJ. Rkhh; 100 Mz;LfSf;Fs; gy jPf; fhg;GWjpf; fk;gdpfs; Njhw;wk; ngw;wd ,jidj; njhlHe;J rPtpaf; fhg;GWjp Njhw;wk; ngw;wJ• 18 Mk; E}w;whz;bd; gpd; gytw;wpw;Fk; fhg;GWjp nra;a kdpjd; Kd; te;jhd;• gpd; tpahghuj; JiwapypUe;J gpupf;f Kbahj xU gFjpahf mJ khw;wk; ngw;wJ
  6. 6. fhg;GWjp Vd; mtrpak;?• tpahghupapd; KjyPl;Lj; njhiff;fhd ghJfhg;ig cj;juthjg;gLj;JfpwJ• tHj;jfj;jpd; kPJs;s KjyPl;lhsdpd; epr;rakpd;ikia ePf;fp> mtDf;F ce;J rf;jpaspf;fpwJ• KjyPLfs; mjpfupf;fpd;wd• tpahghup mr;rkpd;wp jdJ gzj;ij KjyPL nra;fpd;w NghJ Jupj nghUshjhu tsHr;rp Vw;gLfpd;wJ• fg;gy; tHj;jf eilKiw fzprkhfg; gpd;gw;wg;gl;L rHtNjr tpahghuj;jpy; mgptpUj;jp Vw;gLfpd;wJ (fhg;GWjp ,d;wp fg;;;;;;gw; Nrit ,Ue;jpUf;f KbahJ)
  7. 7. • nghpa njhopw;rhiyfs; Njhd;w tha;g;G Vw;gLj;jg;gLfpwJ• tq;fpfspd; cjtpAld; ,aq;Fk; Vw;Wkjp> ,wf;Fkjp mYty;fspy; Vw;gLk; Fiwghl;il ePf;FtJ fhg;GWjpahFk;• mgptpUj;jpia Vw;gLj;Jfpd;w kpfg; gykhd tug;gpurhjk; my;yJ KjyPL nra;Nthupd; ,U fuq;fs; vdyhk;• jPf; fhg;GKiw ,y;iyNay; fl;llk; Mfpad ehrkilAk; NghJ me;el;lj;ijj; jhNd nghWf;f NeUk;
  8. 8. • fsQ;rpaj;jpy; Nrkpf;fg;gl;l gz;lq;fs; jPg;gw;Wk; NghJ> my;yJ fsthlg;gLk; NghJ fhg;GWjpapdhNyNajhd; mjid <L nra;a KbAk;• tpgj;Jf; fhg;GWjp Kiw ,y;iyNay; thfd tpgj;Jf;fshy; Vw;gLk; jpUj;j mYty;fis Nkw;nfhs;s KbahJ NghFk;• tpkhdf; fhg;GWjp Kiw xd;W ,y;iyNay; ehk; tpkhdj;jpy; gazpf;f khl;Nlhk;• Njrpa r%ff; fhg;GWjp %yk; kdpjd; kdepk;kjp milfpd;whd;• nrsf;fpaf; fhg;GWjp %yk; kUe;J> gupfhuk; vd;gtw;wpw;F gzk; nrytpl Ntz;bajpy;iy
  9. 9. • $ypcupikahf;F Kiwapy; ngw;Wf;nfhs;sg;gl;l tPL> tPl;Lg; nghUl;fs; vd;gtw;wpw;F Vw;glf;$ba el;lk; my;yJ Nrjj;jpw;F etPd fhg;GWjp Kiw ,lkspf;fpwJ• FLk;gj; jiytd; ,isg;ghwpa gpd; my;yJ mtdJ mfhy kuzj;jpd; gpd; mtidr; rhHe;jtHfs; rhjhuz tho;f;ifiaf; nfhz;L nry;y fhg;GWjp Jiznra;fpwJ• fhg;GWjp Kiw r%fj;jpd; nghUshjhu mikg;gpd; Kf;fpa mr;rhzpahf tpsq;FfpwJ
  10. 10. fhg;GWjp tiffs;1 jdpahs; fhg;GWjp – Insurance of Person c-k;: MAl; fhg;GWjp> nrsf;fpa eyd; fhg;GWjp2 nrhj;Jf; fhg;GWjp - Insurance of Property c-k;: Nkhl;lhH thfdf; fhg;GWjp3 nghWg;Gf; fhg;GWjp – Insurance of Liabilities fhg;GWjp nra;ag;gl;l xUtUf;F vjpHghuhj tpjj;jpy; jkJ ifahs; ,d;ndhUtUf;Nfh gyUf;Nfh el;laPL nrYj;Jk; nghWg;G Vw;gly; c-k;: XH CopaUf;F Nritf; fhyj;jpy; cz;lhFk; jpBH tpgj;J> Ngupog;G> Mgj;J vd;gtw;wpw;F rl;luPjpahd nghWg;ghsH njhopw;riy cupikahsHfNs nghJr; rl;lj;jpd; fPo; tUk; xd;Nw nghWg;Gf; fhg;GWjpahFk;
  11. 11. gpwHgha;f; fhg;GWjp – Third Party Insurance• gpwHgha;f; fhg;GWjp nghWg;Gf; fhg;Gwjpap;y; mlq;Fk; xU tifahFk;• fl;lhar; rl;lj;jpd; gb jkJ ghJfhg;gpw;F Nkyhf gpwupd; nrhj;Jf;fSf;Fk;> ghjpg;Gf;Fs;shFk; %d;whk; jug;gpudu;> mtHfsJ nrhj;Jf;fSf;Fk; nghWg;Gr; nrhy;Yk; fhg;GWjp gpwHgha;f; fhg;GWjpahFk;4 rk;gtk; njhlHGf; fhg;GWjp/ cupik gw;wpa fhg;GWjp - Insurance of Interest or Rights el;lk; my;yJ Nrjk; Vw;glf;$ba NtW gy re;jHg;gq;fSld; rk;ge;jg;gLj;jf;$ba rk;gtq;fSld; njhlh;Gila fhg;GWjp ,t;thW miof;fg;gLfpwJ. ghJfhg;G cWjpia ePl;b mfd;w fhg;GWjpahf khw;Wtjid ,t;thW Fwpg;gplyhk;
  12. 12. • c-k;: jPf;fhg;GWjp ngWNthH mj;Jld; nts;sj;jhy; Vw;gLk; Nrjj;ijAk; cs;slf;fpf; nfhs;sy;• jPf;fhg;GWjp + gapHtiff; fhg;GWjp5 cupik epjpf; fhg;GWjp tpisT el;lk; (Consequential Loss) ,jpy; mlq;Fk; c-k;: Copah;fspd; Vkhw;W tpRthrkw;w nray;fs; mwtpl Kbahf; fld; tpahghur; nrhj;Jf;fs; ehrkile;j gpd; Vw;gLk; el;lk; ,irf; fr;Nrup xd;W jpl;lkplg;gl;l jpdj;jpy; kionga;J el;lk; cz;lhfy; Nghd;wd
  13. 13. fhg;GWjpapd; mbg;gilfs;1. Utmost Good Faith – cr;r ek;gpf;if nfhLf;fy; thq;fypd; NghJ fhg;GWj;JNthd;> fhg;GWjp ngWNthd; vDk; ,U gFjpapdUk; cr;r ek;gpf;ifNahL vy;yh re;jHg;gq;fspYk; flik nra;jy; mtrpakhFk;
  14. 14. 2. Insurable Insurance - fhg;GWjp cupik fhg;GWjp cupikapd;wp vtUk; fhg;Gwjpiag; ngw KbahJ. Fwpj;j nghUSf;F fhg;GupkAila xUtH kl;LNk fhg;Gwjpiag; ngwyhk;3. Indemnity – Nrj G+uzk; Nrj el;laPL nfhLj;jy; njhiff;F Vwf; Fiwthf ,Uf;Fk;. khwhf mJ $Ljyhd njhifahf mikahJ
  15. 15. 4. Contribution - cjT njhif G+uz el;lk; my;yJ Nrjk; my;yJ Ngupog;G vd;gtw;wpw;F Nkyhf fhg;GWj;JNthdplk; Nrjel;laPL ngw KbahJ. cjT njhif xg;ge;jk; rpy fhg;GWjpfspy; tpNrlkhf Fwpg;gplg;gLk; xd;whFk;5. Subrogation - jj;Jtk; gjpYf;F itj;jy; my;yJ jj;Jtk; nfhLj;jy; vd;gJ ,jd; nghUshFk;. Nrjk; cz;lhf;fpa ntspg;gFjpapduplkUe;J el;laPL ngWk; cupik cz;L. Mdhy; tpgj;Jf;fhf fhg;GWjp ngw;wpUe;jhy; ntspahH gFjpapdupkpUe;J el;laPL ngw KbahJ
  16. 16. 6. Proximate Cause – mz;ikf; fhuzk; fhg;GWjp nra;ag;gl;l tpgj;jpy; Vw;gl;l Nrjkhff; nfhs;sf;$ba fhuzpahf ,Ue;jhy; kl;LNk (my;yJ fhuzpapUe;jhy; kl;LNk) cupik tpz;zg;gk; Nfhuf; fhg;GWjp ngw;Nwhd; Kay;thd;
  17. 17. fhg;GWjpg; gpNuuizg; gj;jpuKk; cWjpAk;fhgGWjp ngWtjw;fhd Kd;nkhopTg;gj;jpuk;:1. Kd;nkhopNthdpd; ngaH2. Kftup3. njhopy;4. ngw;Wf; nfhz;l cWjp my;yJ fhg;GWjp gw;wpa tpguk;5. cupik Nfl;lypd; tuyhW – fhg;GWjp ngWNthupd; cupik tuyhW> fhg;GWjp Kd;nkhopag;gl;l tplaq;fs; gw;wp NkYk; Kf;fpakhd tpguq;fs;6. fhg;GWjp tplak; - tplak;> nrhj;J> nghWg;G7. Kd;nkhopNthdpd; taJ> gpwe;j jpdk;8. kWj;jy;> Nkyjpf gzk; nrYj;Jjy; my;yJ xg;ge;jk;9. fhg;GWjpg; gzk;10. ifnahg;gk;11. jpfjp12. Kftupd; mwpf;if13. Gpurpj;jg;gLj;jy; - KbT ngwy;
  18. 18. • Kd;nkhopTg; gj;jpuj;jpy; fhzg;glf;$ba kw;Wk; gy tplaq;fs; :1. fhg;GWjp2. nry;Ygbahfhjhf;fy; - Cancellation3. eLj;jPh;g;G – Arbitration4. gl;Nlhiy – Shedule fhg;GWjp ,yf;fk; fhg;GWj;JNthdpd; ngaH tplak;> nrhj;J gw;wpa tpguk; fl;lz msT nry;YgbahFk; fhyk;
  19. 19. Thank You

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