CONCEPT TAKAFUL

PENGERTIAN TAKAFUL
Takaful is a word derived from the Arabic word 'Al-Kafala (guarantee) which means' Mutual guarantee guarantee'In terms of interpretation Syara 'it is an alliance for mutual guarantee group guarantees and assist each other when the group members are afflicted by disaster
FEATURES - FEATURES TAKAFUL
1. Islamic System
2. Contribute At-Tabarru'at
3. Halal Investment
4. Shariah Supervision Council
5. No element of usury
6. No element maisir (Judi)
7. No element gharar (unclear)
8. Al-mudharabah (Perkonsian profit)
Islamic SystemThe concept of insurance 'are the fortunate people who help those who are not fortunate "is a concept recognized by the Islamic Al-Quran in Surah Al-Maidah verse 2 means" But you must help the good things above and piety and do not help over matters of sin and transgression "is proof of how the main attitude is one of helping each other moral mahmudah (exemplary)Contribute At-Tabarru'atTabarru'at is Arabic word which means outright donation. Takaful operations in the context of each participant who wishes to obtain protection Takaful must attend with the intention of contributing when iklas (At-tabarru'at) to help the other fellow participants if they face disaster. In other words more precise, all the participants agreed to mutual help among them when accidentIn the Takaful industry, At-tabarru'at is introduced Al-tabarru'at the conditional.Conditional is where each participant who wish to participate must be donated in accordance with the Takaful risk forward. States have set rates because Tabarru'at want to ensure that Tabarru'at accompanied by all the participants are not affected to give justice to all parties, so if a participant brings a great risk that the rates must be attributed tabarru'at must match the riskHalal InvestmentParticipants will be invested only the money invested in counters investment lawful and approved by the Shariah SupervisionForm of investment;
1. Government bonds (Al-Hassan Qardul).
2. Savings account at a bank (Al-Mudharabah).
3. Investment projects (Al-Bai Bithaman Ajil).
4. Wealth building.
5. Financing.
6. Securities shares (counter list approved by the Shariah
Shariah Supervision CouncilTakaful Act 1984, section 8 (5) (b): --"That there is unity in the article that the Takaful operators provide for the establishment of Shariah Supervision Council to advise on handling business Takafulnya to ensure that it is not involved in any element that is not approved"No element of RibaRIBA elements exist in the generation of investment and insurance benefits that will be used in payment of compensation to policyholders. This is because funds kebanyakanya savings invested in financial instruments such as bonds and stocks which often involve companies with activities beurusniaga conventional banking systemRIBA also elements in the transaction LOAN FROM POLICY (Policy Loan) offered to participants in the life insurance products in the system, this loan facility, insurance company will charge interest (Interest) to participants who make loans. Clear that interest is the RIBA that Islam prohibited.No element Maisir (Judi)Scholars' state Maisir Gharar and is very closely related. This means that if a transaction contains elements gharar element by itself then there is also gambling. The relevance of which is too close and interrelated. Maisir (Judi) in an insurance contract exists when:
1. Participants pay a small premium to expect a larger amount of money.
2. Participants lost money when the event you'd like dilindungani premium (the insured event) does not occur.
3. States will lose if forced to pay claims that exceed the total premiums received.
No element Gharar (unclear)Gharar purpose is "Uncertainty". An area of uncertainty in transactions is: "There are things you want hidden by the parties and it can lead to a sense of injustice and persecution of the other party". In insurance contracts are elements of uncertainty, namely:
1. Can not be ascertained whether or not the promised payment.
2. Unknown rate of charge
3. It is not known if the time
Al-Mudaharabah (Profit Sharing)
1. Mudharabah means profit sharing between participants and companies.
2. Ratio determined, but the value can not be determined
3. Ratio depends on the distribution of profits made Aqad
4. Example 80:20 or 50:50 ratio of profit between participants and company
PROFITS TO TAKAFUL
1. Upholding Islamic system dikawasan
2. Obtain coverage through the takaful scheme.
3. Get returns through profit sharing
4. Investment profits during the period of takaful (ie from your players (AP))
5. Profit after takaful investment (ie from your Special Participants (AKP))
6. Ratio Mudharabah - Depending on 50:50; 80:20 between participants and company
THE TAKAFUL
· Islamic System
* The principle of helping ta'awun* Tadhiyar principle - the importance of self-sacrifice for others invite / manage participate
· Contribution to the concept Tabarru '(conditional Donations help)
· Reward / Welfare
· There are players, pure intentions, conditions, witness
· Investment - profit sharing
· Al-Mudharabah% agreed RM certainly not promised
· Contribute ditabungkan participants belonging
· Syarikat Takaful operator only fund / account participants
· Owned companies with profits between operators and participants
· Investment shares only HALAL
· Board of Directors - Council Shariah Supervision
· Islamic principles Muamalah
· No laptop, gharar, maisir and fair
· If stopped, participants have the surrender value
· Bonus is given annually and may be issued
· Can withdraw money without interest
· Business zakat paid
· Fund jariah help us during the natural grave
* ImportantThis brochure is only a brief description. To obtain evidence about the complete terms and conditions, please refer to your contract. Or Contact
En. Sazali Mohd Karli at 019 333 9347.