PENGELOLAAN DAN PEMBERIAN SANTUNAN DUKA (Analisis Hukum Islam Terhadap Produk B’life Wadi’ah Cendekia di PT. BNI Life Insurance Jakarta)
ABSTRACT: Insurance is a group
initially formed a social gathering that aims to ease the financial burden of
individuals and fund financing difficulties. In the course of B'life
Wadi>'ah Wise participants can choose their own future financial planning
between annual, semiannual, quarterly and monthly with a very attractive
profit. Also in B'life Wadi>'ah Wise
also provide compensations funds for participants or clients of the unfortunate
death. This means that if the insurance period, participants (customers) of the
unfortunate death, the beneficiary will receive compensations. In the course of
BNI Life Insurance products issued B'life Wadi>'ah Wise gives compensations
funds to participants of the unfortunate death even though premiums or funds
provided but not enough larger compensations received, then the company is
obliged to bail. In Islamic law granting compensations that are allowed, but
giving compensations available at BNI insurance is life insurance in which
there is an element of garar. Were not in accordance with the guiding principle
of shari'ah> 'ah as in terms of invested funds compensations given greater
of premiums or contributions.
Keyword: insurance,
compensations, syari’ah
Penulis: Asrifah
Kode Jurnal: jpperadabanislamdd130091
