Analysis of the Effectiveness of Waqf Policy Management for Tafakulink Salam Products at PT Tafakul Keluarga, Medan Branch, in Accordance with the Fatwa of DSN MUI Number 106 of 2016

Authors

  • Muhammad Nasir Universitas Islam Negeri Sumatera Utara, Medan
  • Yenni Samri Juliati Nasution Universitas Islam Negeri Sumatera Utara, Medan
  • Budi Harianto Universitas Islam Negeri Sumatera Utara, Medan

DOI:

https://doi.org/10.33096/jmb.v11i1.745

Keywords:

Policy Waqf Management, Tafakulink Salam Products, Ujrah in Policy

Abstract

Waqf in Islamic insurance, especially in products like Takafulink Salam, exhibits significant differences from conventional waqf, which typically involves the preservation of buildings or land by past communities. The research aims to analyze the role of waqf in Sharia-compliant insurance products and to comprehend the concept of waqf as a worship and social instrument in the context of Sharia insurance. The research methodology involves in-depth interviews and documentation techniques focusing on the waqf pledge within Sharia life insurance policies, fee provisions within policies, and other aspects regulated by relevant regulations and fatwas. The research findings indicate that waqf pledges are made on various occasions, such as the end of the agreement period, redemption by policyholders, or the death of the main participants. Financial aspects, including fees, are regulated by the Financial Services Authority Regulation (POJK) Number 69/POJK.05/2016. Fatwa DSN No.52/DSN-MUI/III/2006 provides guidelines regarding the contract of agency with a fee in Sharia insurance. The research concludes by emphasizing the important role of waqf in Sharia insurance, creating social and worship benefits, and illustrating the integration of waqf in Sharia insurance products such as Takafulink Salam. Although related to insurance, the concept of waqf remains distinct as a form of worship that supports social development.

Downloads

Download data is not yet available.

References

Alam, A., & Hidayati, S. (2020). Akad dan kesesuaian fitur wakaf produk asuransi jiwa syariah. Equilibrium: Jurnal Ekonomi Syariah, 8(1), 109-128.

Alwi, F., Yusrizal, Y., & Atika, A. (2023). Analisis Pengaruh Biaya Premi Asuransi Jiwa Syariah Dan Beban Klaim Terhadap Laba Perusahaan Pada PT. Asuransi Takaful Keluarga. Jurnal Manajemen Akuntansi (JUMSI), 3(1), 362-374.

Ardila, C. P. (2012). IMPLEMENTASI WAKALAH BIL UJRAH PADA PRODUK TAKAFULINK SALAM DITINJAU MENURUT EKONOMI ISLAM (Studi Kasus di PT. Asuransi Takaful Keluarga Pekanbaru) (Doctoral dissertation, Universitas Islam Negeri Sultan Syarif Kasim Riau).

Hasanah, U. (2019). Instrumen Investasi Dalam Perusahaan Asuransi Syariah. Az-Zarqa': Jurnal Hukum Bisnis Islam, 11(2).

Irdayanti, N., & Syahriza, R. (2022). Manajemen Marketing Asuransi Syariah Untuk Meningkatkan Minat Masyarakat Pada PT Prudential Komplek Merbau Mas. Jurnal Manajemen Akuntansi (JUMSI), 2(2), 248-253.

Mutiarahmi, I. Analisis Pengelolaan Produk Takafulink Salam Wakaf Ditinjau Dari Fatwa DSN MUI NO: 106/DSN-MUI/X/2016 (Studi Kasus di PT Asuransi Takaful Keluarga) (Bachelor's thesis).

Nasution, Y. S. J. (2021). Manajemen Zakat dan Wakaf.

Rahmansyah, Y. ANALISIS PELAKSANAAN WAKAF POLIS ASURANSI SYARIAH BERDASARKAN FATWA NO 106/DSN-MUI/X/2016 (STUDI KASUS PT TAKAFUL KELUARGA SHARIA LIFE INSURANCE) (Bachelor's thesis, Fakultas Syariah dan Hukum UIN Syarif Hidayatullah Jakarta).

Rahmi, N. (2019). Mekanisme Perhitungan Investasi Takafulink Salam Pada PT. Asuransi Takaful Keluarga Kantor Cabang Banda Aceh (Doctoral dissertation, UIN AR-RANIRY).

Ridha, Z. M. (2019). Wakaf wasiat polis asuransi jiwa di Prudential Syariah Family Barokah Malang ditinjau dari fatwa DSN Nomor 106 Tahun 2016 tentang Wakaf Manfaat Asuransi dan Manfaat Investasi (Doctoral dissertation, Universitas Islam Negeri Maulana Malik Ibrahim).

RURI, Y. (2022). IMPLEMENTASI FATWA DSN-MUI NO. 106/DSN-MUI/X/2016 TENTANG WAKAF MANFAAT ASURANSI DAN MANFAAT INVESTASI PADA ASURANSI JIWA SYARIAH (Studi Pada Asuransi Takaful Keluarga RO Samara Agency Lampung Kedamaian Bandar Lampung (Doctoral dissertation, UNIVERSITAS ISLAM NEGERI RADEN INTAN LAMPUNG).

Saputra, F. (2018). Mekanisme Pengelolaan Dana Wakaf Pada PT Asuransi Takaful Keluarga Cabang Banda Aceh (Doctoral dissertation, UIN Ar-Raniry Banda Aceh).

Suwandi, A., & Samri, Y. (2022). Peran LAZISMU (Lembaga Amil Zakat, Infaq dan Sadaqah Muhammadiyah) dalam Mengentaskan Kemiskinan Masyarakat Kota Medan. Management of Zakat and Waqf Journal (MAZAWA), 3(2), 15-30.

Syaifullah, H., & Idrus, A. (2019). Inovasi Pelayanan Wakaf Produktif Era Digital: Studi Kasus Di Yayasan Wakaf Bani Umar 2018. ZISWAF: Jurnal Zakat Dan Wakaf, 6(2), 114.

Xeonita, Q. N., Kalila, S. N., & Chahyani, N. M. (2022). SISTEM PEMBAYARAN ZISWAF DI MASJID DENGAN QR-CODE YANG TERINTEGRASI DENGAN PERSONAL ACCIDENT INSURANCE. Jurnal Tabarru': Islamic Banking and Finance, 5(1), 254-263.

Downloads

Published

2024-03-25

How to Cite

Nasir, M., Nasution , Y. S. J. ., & Harianto, B. (2024). Analysis of the Effectiveness of Waqf Policy Management for Tafakulink Salam Products at PT Tafakul Keluarga, Medan Branch, in Accordance with the Fatwa of DSN MUI Number 106 of 2016. Jurnal Manajemen Bisnis, 11(1), 417–430. https://doi.org/10.33096/jmb.v11i1.745

Issue

Section

Articles