Menyoal Asuransi Konvensional Versus Asuransi Syariah

Abstract

This article discusses the Islamic perspective on insurance, either conventional insurance or Islamic insurance. The author tells that the insurance in the first time appeared in 13th century so that either in al-Quran or in Hadiths, there was no a verse or any hadiths which told specifically about insurance. The author shows that in Islam, the scholars are at least divided into four groups. First, the scholars such as Yusuf Qardhawi and Sayyid Sabiq said that the law of insurance is forbidden because it contains usury and indeterminacy. Second, some scholars such as ‘Abd al-Wahhab Khallâf, M. Yusuf Musa, Abdur Rachman Isa, Musthafâ Ahmad al-Zarqâ, and M. Nejatullah Siddiqi said that the insurance is allowed because no law which forbids insurance and there is a will from the costumer doing the insurance transaction. Third, the scholar group said that the allowed insurance is only social insurance, while commercial insurance is forbidden in Islam. The supporter of this view is Muhammad Abu Zahrah. Forth, the scholar group that said the law of insurance is subhat (unclear), because there was no proposition or argumentation which allows or forbids the insurance.