Aplikasi Kafalah Pada Asuransi Takaful Perspektif Akad Bisnis Islam (original) (raw)

2012

Abstract

Kafalah is a kind of tabarru’ agreement which is based on the value of social virtue. Kafa lah can be developed and applied on taka ful insurance based on the three payment patterns of taka ful . The first: participant dies during the coverage period. In this case, a kind of kafa lah that can be applied is Kafa lah bi al-dayn. It is the debt obligations that are being the responsibility of others. For participant who dies in the coverage period is being covered ( makfu l 'anhu ). While, the other participants are together as ka fil (guarantor) to pay off the debt of makfu l 'anhu in the form of unpaid premium remains as makfu l bih . On the other hands, the receiver of guarantee ( makfu l lahu ) is the taka ful insurance company. The second: the condition where participant is still alive until the time of completing the coverage period. So that, the kafa lah application can be done by ta'li q ( kafa lah al-mu’allaqah ). It is a form of kafa lah where the execution of the...

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