i
PELAKSANAAN ASURANSI TAKAFUL UNTUK JAMINAN PEMBELIAN RUMAH DI PT. BANK MUAMALAT INDONESIA OLEH PT. ASURANSI TAKAFUL KELUARGA DIKAITKAN DENGAN FATWA DEWAN SYARI’AH NASIONAL MAJELIS ULAMA INDONESIA NOMOR 21/
DSN-MUI/X/2001 TENTANG PEDOMAN UMUM ASURANSI SYARI’AH
Muhammad Irsyad Wijaya 110110070090
ABSTRAK
Asuransi takaful keluarga untuk pembiayaan pembelian rumah di Bank Muamalat Indonesia dalam pelaksanaannya menggunakan konsep ta’awun, yang berarti perjanjian untuk saling tolong menolong antara semua pihak, baik antara peserta asuransi maupun antara peserta asuransi dengan perusahaan asuransi atau penanggung resiko. Bentuk tolong menolong tersebut dijabarkan dalam suatu akad yang terkenal dengan akad yang sesuai dengan syari’ah yaitu akad yang tidak mengandung unsur “magrib”. Permasalahan hukum yang akan penulis kaji dalam skripsi ini adalah mengenai praktik pelaksanaan dalam pembiayaan pembelian rumah oleh Bank Muamalat dan pengelolaan premi asuransi
takaful keluaga untuk pembelian rumah di bank muamalat berdasarkan
Fatwa Dewan Syari’ah Nasional Majelis Ulama Indonesia Nomor 21/DSN -MUI/X/2001 tentang Pedoman Asuransi Syari’ah.
Penulisan hukum ini menggunakan metode pendekatan yuridis
normatif yaitu melakukan inventarisasi hukum positif yang berkaitan
ii
IMPLEMENTATION OF TAKAFUL INSURANCE TO GUARANTEE THE PURCHASE OF A HOME IN PT BANK MUAMALAT INDONESIA BY PT ASURANSI TAKAFUL FAMILY ASSOCIATED WITH THE RELIGIOUS ADVICES COMMISSTION OF THE COUNCIL SYARI’AH NATIONAL MAJELIS ULAMA INDONESIA NUMBER 21/DSN-MUI/X/2001 ON
GUIDELINES FOR COMMON INSURANCE SYARI’AH
Muhammad Irsyad Wijaya 110110070090
ABSTRACT
Insurance takaful family to finance the purchase of a house in Bank
Muamalat Indonesia in practice means of the concepts ta’awun, which
means a treaty for mutual please help between all parties, either between participants insurance and among participants insurance with an insurer or underwriter risk. The form of please help is elaborated in a calneh noted
for its calneh in accordance with syari’ah, namely calneh that does not
contain a “magrib”. Legal issues will be the author of the plan in a thesis it
is about practices of execution in financing for the purchase of a house by Bank Muamalat and management insurance premiums takaful keluaga for the purchase of a house in Bank Muamalat based on Religious Advices
Commisstion of the Council Syari’ah National Majelis Ulama Indonesia
Number 21/DSN-MUI/X/2001 on Guidelines for Insurance Syari’ah.
The writing of this law in a juridical normative approach is to do inventorying positive law pertaining to the effectiveness of the legislation. Specifications analytical, research descriptive in nature which is describe and analyzing problems associated legislations which are relevant.
Practices of execution in financing for the purchase of a house by Bank Muamalat using contract murabahah and musyarakah, where in the implementation of its financing begins with some stages, among others the implementation stage products financing for the purchase of the house and the implementation of a stage of the result. The product of financing, the implementation stage covering the request of financing, the collection of data and the investigation, analysis of financing, approval of the financing, the collection of additional data, fastening, thawing and monitoring, meanwhile the result of implementation, covering analysis of growth is, products and reports and handling of financing that was in trouble. The management of a premium on insurance takaful the family for the purchase of a house in Bank Muamalat based on Religious Advices
Commisstion of the Council Syari’ah National Majelis Ulama Indonesia
Number 21/DSN-MUI/X/2001 on Guidelines for Insurance Syari’ah, such
as can be seen from the way of administering premium, where PT. Insurance Takaful the Family using the principle, for the results of there is
no element “magib”, because takaful insurance operation of the family in
