keterangan dan isi suatu buku asuransi syariah

Judul buku : Asuransi Syariah
Karangan   : Abdullah Amrin
Penerbit     : PT Elex Media Komputindo
                    Kelompok Gramedia- Jakarta
                   Anggota IKAPI,Jakarta
                   Januari 2006

DAFTAR ISI

Kata pengantar.....................................................................................................................V

Kata sambutan........................................................................................................................VII

Bab I   Sejarah Asuransi.........................................................................................................1

            Dasar-dasar Asuransi syariah.....................................................................................2

            Perbedaan antara Asuransi syariah dan Asuransi Konvensional...............................6

            Pengertian Asuransi Konvensional............................................................................7

            Perbedaan antara Premi Syariah dan Premi konvensional.........................................9

            Perbedaan Rambu-rambu Investasi dan lainnya.........................................................9

            Latihan soal dan Jawaban..........................................................................................15

Bab II  Akad..........................................................................................................................31

            Ijab dan Qabul...........................................................................................................31

            Penerapan Akad.........................................................................................................33

            Jenis-jenis Akad.........................................................................................................33

            Akad pada Asuransi konvensional.............................................................................34

            Landasan Akad pada Asuransi konvensional.............................................................36

            Latihan soal dan konvensional...................................................................................36

Bab III            Gharar,Maisir,dan Riba...................................................................................47

            Gharar.........................................................................................................................47

            Gharar pada Asuransi Konvensional..........................................................................47

            Sistem Asuransi Syariah mengatasi Gharar...............................................................49    

            Maisir.........................................................................................................................50

            Maisir  pada Asuransi konvensional......................................................................... 50

            Sistem Asuransi Syariah Mengatasi Mengatasi Maisir..............................................52

            Riba............................................................................................................................52

            Riba pada Asuransi Konvesional...............................................................................54

            Sistem Asuransi Syariah Mengatasi Riba..................................................................55

            Latihan Soal dan Jawaban..........................................................................................55

Bab IVSistem Pengelolaan....................................................................................................67

            Sistem Operasional Asuransi Syariah........................................................................67

            Sistem Operasional Asuransi Konvensional..............................................................70

            Latihan soal dan Jawaban..........................................................................................72

Bab V  Asuransi Kerugian dan Asuransi Jiwa.......................................................................81

            Konsep Asuransi syariah............................................................................................81

            Konsep Bagi Hasil......................................................................................................82

            Prinsip-Prinsip Asuransi Syariah...............................................................................83

            Konsep Asuransi konvesional....................................................................................86

            Konsep Bunga............................................................................................................86

            Latihan Soal dan Jawaban..........................................................................................87

Bab VI Underwriting,Polis,dan Premi...................................................................................103

            Underwriting..............................................................................................................103

            Tugas dan Underwriting.............................................................................................103

            Jenis-Jenis Risiko yang Memengaruhi Underwriting................................................104

            Underwriting Syariah.................................................................................................107                          Premis.........................................................................................................................108

            Perbedaan antara Premi Syariah dan Premi konvensional.........................................109

            Latihan Soal dan Jawaban..........................................................................................110

Bab VII Klaim dan Reasuransi...............................................................................................121

            Klaim..........................................................................................................................121

            Klaim pada Asuransi Syariah.....................................................................................121

            Klaim pada Asuransi Konvensional...........................................................................122

            Reasuransi..................................................................................................................123

            Retakaful....................................................................................................................124

            Latihan Soal dan Jawaban..........................................................................................126

Bab VIII Mudharabah............................................................................................................133

            Penerapan Sistem Mudharabah..................................................................................134

            Keistimewaan dan Keunggulan Mudharabah.............................................................135

            Nisbah/Keuntungan Mudharabah...............................................................................136

            Modal.........................................................................................................................138

            Kerugian.....................................................................................................................139

            Sistem Mudharabah pada Asuransi Umum................................................................140

            Latihan Soal dan Jawaban..........................................................................................142

Bab IX Akad Tijarah.............................................................................................................163

            Akad Tijarah...............................................................................................................163

            Jenis-Jenis Akad.........................................................................................................163

            Latihan Soal dan Jawaban..........................................................................................165

Bab X  Investasi......................................................................................................................175

            Prinsip dan Landasan Syar’i Investasi........................................................................175

            Jenis-Jenis Investasi...................................................................................................177

            Investasi yang Terlarang............................................................................................180

            Latihan soal dan Jawaban...........................................................................................186

Bab XI Pemasaran...................................................................................................................207

            Pengertian Pemasaran.................................................................................................207

            Strategi pemasaran.....................................................................................................209

            Prinsip-Prinsip pemasaran..........................................................................................209

            Latihan Soal dan Jawaban..........................................................................................217

Bab XII Pengawas syariah.....................................................................................................229

            Dewan Pengawas Syariah..........................................................................................229

            Dewan Syariah Nasional............................................................................................231

            Dewan Arbitrase Syariah Nasional............................................................................233

            Latihan Soal dan Jawaban..........................................................................................235

Daftar Pustaka........................................................................................................................247

Profil Penulis..........................................................................................................................255

Judul buku : Asuransi dalam Perspektif Syariah
Karangan   : Dr. Husain Husain Syahatah
Penerbit     : Dar An-Nasyr II Al-Jami’at
                    Cetakan pertama,Juni 2006
                    Perancang kulit, Kreasindo Mediacita
                    Dicetak oleh Sinar Grafika Offset

DAFTAR ISI

MOTTO.................................................................................................................................VII

PERSEMBAHAN..................................................................................................................XI

PENDAHULUAN.................................................................................................................XIII

Bab 1 Status Hukum produk Jasa Asuransi Kontemporer....................................................1

A.    Tipologi dan Macam-Macam Sistem Asuransi Kontemporer............................2

B.     Status Hukum Fikih sistem asuransi Niaga........................................................7

C.     Status Hukum Fikih Sistem Asuransi Hidup......................................................22

D.    Status Hukum Fikih Sistem Asuransi Sosial......................................................28

E.     Status Hukum Fikih Sistem Asuransi Kolektif (Ta’awuni)...............................30

F.      Status Hukum Fikih Sistem Asuransi Kesehatan...............................................41

G.    Status Hukum Fikih Sistem Asuransi Kendaraan...............................................44

Bab 2   Sistem dan Prosedur Asuransi Islam........................................................................48

A.    Jaminan Keamanan dalam Perpektif Al-Qur’an dan Sunah...............................49

B.     Asas-Asas Asuransi dalam Islam.......................................................................52

C.     Payung Asuransi dalam Islam............................................................................62

D.    Payung Asuransi Kolektif Islam........................................................................65

E.     Sistem Investasi Asuransi Islam........................................................................71

F.      Sistem Dana Swadya Solidaritas Sosial............................................................76

G.    Peran Zakat dalam Memberikan Jaminan dan Asurasnsi Sosial.......................79

H.    Peran Wakaf dalam Memberikan Jaminan dan Asuransi Sosial.......................85

I.       Peran Yayasan Amal Sosial dalam Mewujudkan Jaminan dan Asuransi sosial85

Bab 3   Asuransi Risiko Usaha Menurut Perpektif Islam....................................................101

A.    Asuransi Pengusaha dari Bahaya Kecelakaan dan Musibah.............................102

B.     Asuransi Pengusaha dari Risiko Psikologis.......................................................103

C.     Asuransi Pengusaha dari Risiko Penyelewengan Amanat.................................109

D.    Asuransi Pengusaha dari Risiko Pasar...............................................................115

E.     Asuransi Pengusaha dari Risiko Krisis Moneter...............................................121

F.      Asuransi Pengusaha dari Risiko Internasional Pemerintah...............................129

G.    Asuransi Pengusaha dari Risiko Globalisasi dan GATT...................................143

Bab 4   Fatwa-Fatwa Mengenai Permasalahan Asuransi Kontemporer...............................157

A.    Dalil Legalisasi Hukum Asuransi Kolektif (Ta’awuni).....................................158

B.     Perbedaan antara Perusahaan Jasa Asuransi Konvensional dengan Perusahaan

      Asuransi Kolektif Islam.....................................................................................163

C.     Hukum Investasi (Deposito) Sebagian Dana Asuransi yang Dikelola oleh

Dompet Solidaritas Sosial di Bank Konvensional.............................................165

D.    Status Hukum Syara’ Asuransi Wajib dan Asuransi Sukarela All Risks pada

Kendaraan..........................................................................................................166

E.     Status Hukum Asuransi Kecelakaan..................................................................168

F.      Status Hukum Asuransi Hidup (jiwa)................................................................171

G.    Hukum Bekerja di Perusahaan Asuransi Konvensional....................................176

H.    Hukum Interaksi dengan Perusahaan Asuransi Islam yang Menangani Jasa 

      Asuransi Investasi dan Ekspor..........................................................................178

I.       Hukum Memberikan zakat kepada Gharimin yang Menanggung Beban Utang.................................................................................................................181

J.       Cara Bertaubat dari Harta yang Haram Termasuk Uang yang Diperoleh dari 

      Perusahaan Asuransi Konvensional...................................................................186

K.    Hukum Asuransi dari Risiko-Risiko yang Diperkirakan dan Merekayasa

Risiko untuk Memperoleh Nilai Asuransi.........................................................192

Bab 5   Pesan-Pesan Asuransi Islam Dari Al-Qur’an Dan Sunah........................................199

Bab 6   Tuntunan Asuransi Doa Dari Al-Qur’an Dan Sunah Dalam Menghadapi Insiden

            Hidup........................................................................................................................225

A.    Keutamaan Doa..................................................................................................225

B.     Doa-Doa Ma’tsurat dari Al-Q`ur’an di Saat Menghadap Insiden Hidup...........225

C.     Doa-Doa yang Diajarkan Rasullulah..................................................................229

Bab 7   Penutup.....................................................................................................................237

Daftar Pustaka.......................................................................................................................243

Biografi Penuli......................................................................................................................247