Analisis Prinsip Kepentingan Boleh Lindung Dalam Kontrak Takaful Pasca Akta Perkhidmatan Kewangan Islam 2013

An Analysis Of Permissible Takaful Interest In Takaful Contract Post The Islamic Financial Services Act 2013

Authors

  • Mohd Faiz Mohamed Yusof Pensyarah Kanan
  • Nurhanani Romli Pensyarah Kanan
  • Azri Bhari Profesor Madya
  • Mohamad Mahyuddin Khalid Pensyarah Kanan
  • Mohd Ashrof Zaki Yaakob Profesor Madya
  • Mohd Yusra Abdullah Pensyarah

Keywords:

Takaful, Principle, Insurable Interest, Shariah Resolution, IFSA 2013

Abstract

The principle of insurable interest is the main focus aspect in the business of takaful operations. This study uses a qualitative methodology by collecting data through a literature review, Shariah Resolution Bank Negara Malaysia, Islamic Financial Services Act 2013, Takaful Act 1984, and two informants who are directly involved in the takaful industry in Malaysia. Insurable interests are the main basis for the effectiveness of takaful contracts. In terms of sharia, takaful contracts ensure legal and fair protection for participants. This principle also aims to avoid misappropriation of funds in takaful contracts. The objective of this study is to analyse the implementation of the principle of insurable interest after the Islamic Financial Services Act 2013 (IFSA 2013) in the takaful industry in Malaysia. The findings of this study show that the Shariah Resolution has decided the sharia aspect of the principle of insurable interest in takaful contracts and subsequently gazetted it in the Islamic Financial Services Act 2013 to protect the validity and stability of takaful contracts from any legal disputes.

Abstrak
Prinsip kepentingan boleh lindung merupakan aspek fokus utama dalam perniagaan operasi takaful. Kajian ini menggunakan metodologi kualitatif dengan mengumpulkan data melalui kajian literatur, dokumen Resolusi Syariah Bank Negara Malaysia, dokumen perundangan Akta Perkhidmatan Kewangan Islam 2013,  Akta Takaful 1984 dan dua informan yang terlibat langsung dalam industri takaful di Malaysia. Kepentingan boleh lindung adalah asas utama kepada keberkesanan kontrak takaful. Dari segi syariah, kontrak takaful memastikan perlindungan yang sah dan adil kepada peserta. Prinsip ini turut bertujuan mengelakkan penyelewangan dana dalam kontrak takaful. Objektif kajian ini ialah menganalisis praktis pelaksanaan prinsip kepentingan boleh lindung pasca Akta Perkhidmatan Kewangan Islam 2013 (APKI 2013) dalam industri takaful di Malaysia. Dapatan kajian ini menunjukkan Resolusi Syariah telah memutuskan aspek  syariah dalam  prinsip kepentingan boleh lindung kontrak takaful dan seterusnya digazetkan dalam Akta Perkhidmatan Kewangan Islam 2013 untuk melindungi kesahan dan kestabilan kontrak takaful daripada sebarang pertikaian perundangan.

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Author Biographies

Mohd Faiz Mohamed Yusof, Pensyarah Kanan

Akademi Pengajian Islam Kontemporari, Universiti Teknologi MARA (UiTM), Shah Alam

Nurhanani Romli, Pensyarah Kanan

Fakulti Pengurusan dan Ekonomi, Universiti Pendidikan Sultan Idris, Tg Malim, Perak

Azri Bhari, Profesor Madya

Akademi Pengajian Islam Kontemporari, Universiti Teknologi MARA (UiTM), Shah Alam.

Mohamad Mahyuddin Khalid, Pensyarah Kanan

Akademi Pengajian Islam Kontemporari, Universiti Teknologi MARA (UiTM), Shah Alam.

Mohd Ashrof Zaki Yaakob, Profesor Madya

Akademi Pengajian Islam Kontemporari, Universiti Teknologi MARA (UiTM), Shah Alam.

Mohd Yusra Abdullah, Pensyarah

Akademi Pengajian Islam Kontemporari, Universiti Teknologi MARA (UiTM), Shah Alam.

References

Buku

Abdullah @ Alwi Haji Hassan (2008). Akta Takaful 1984: Satu Analisa. In: Asmak Ab Rahman et al, (Eds.). Sistem Takaful di Malaysia: Isu-Isu Komtemporari. Kuala Lumpur: Penerbit Universiti Malaya..

Kahn, R. & Cannell, C. (1957). The Dynamics of Interviewing. New York: John Wiley.

Marshall, C. & Rossman, G. C. (1995). Designing Qualitative Research. 2nd Ed. London: Sage Publication.

Miles, M.B. & Huberman. (1994). Qualitative Data Analysis. London: Sage Publication.

Zulkifli Hasan. (2012). Shari’ah Governance in Islamic Banks. Edinburgh Press: Edinburgh.

Dokumen

Akta Perkhidmatan Kewangan Islam 2013(Akta 759).

Akta Takaful 1984

Bank Negara Malaysia. (2010). Resolusi Shariah Bank Negara Malaysia. 2nd Ed, Kuala Lumpur: Bank Negara Malaysia.

Jurnal

Mohamed Yusof, M. F., & Romli, N. (2019). Aplikasi Program Atlas.Ti Dalam Penyelidikan Kualitatif Pengajian Pascasiswazah Bidang Pengajian Islam: Suatu Cadangan Awal. Al-Hikmah, 11(1), 3-21.

Nurdianawati Irwani, A., & Nazliatul Aniza, A. A. Case Studies of the Practice of Nomination and Hibah by Malaysian Takaful Operators. ISRA International Journal of Islamic Finance 2(2), 67-100.

Patterson, E. W. (1944). Misrepresentation by Insured Under the New York Insurance Law. Columbia Law Review, 44(2), 241-255.

Rodda, W. H. (1957). Multiple Line Underwriting. Rating Methods. Journal of Insurance, 133-144.

Rusni, H., Mohammad Azam, H., & Adnan, Y. (2013). Penubuhan Dan Bidang Kuasa Mahkamah Muamalat Di Malaysia: Isu Dan Cabaran. Jurnal KANUN, 25(1),83-84.

Safinar, S., Uzaimah, I., & Mahdi, Z. (2014). The Future of Takaful (Islamic Insurance) Business in Malaysia under the Islamic Financial Services Act (IFSA) 2013. Australian Journal of Basic and Applied Sciences, 8(15), 383-394.

Thanasegaran, H. (2008). Growth of Islamic Insurance (Takaful) in Malaysia: A Model for the Region? Singapore Journal of Legal Studies, 143-164.

Tesis

Maffuza Salleh. (2005). Takaful dari prospek syariah dan perundangan mengikut amalan di Malaysia. Disertasi Sarjana: Universiti Kebangsaan .

Published

2024-05-15

How to Cite

Mohamed Yusof, M. F., Romli, N., Bhari, A. ., Khalid, M. M., Zaki Yaakob, M. A. ., & Abdullah, M. Y. . (2024). Analisis Prinsip Kepentingan Boleh Lindung Dalam Kontrak Takaful Pasca Akta Perkhidmatan Kewangan Islam 2013 : An Analysis Of Permissible Takaful Interest In Takaful Contract Post The Islamic Financial Services Act 2013. Al-Qanatir: International Journal of Islamic Studies, 33(3), 14–25. Retrieved from https://www.al-qanatir.com/aq/article/view/891