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
Keywords:
Takaful, Principle, Insurable Interest, Shariah Resolution, IFSA 2013Abstract
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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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..
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Akta Perkhidmatan Kewangan Islam 2013(Akta 759).
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Maffuza Salleh. (2005). Takaful dari prospek syariah dan perundangan mengikut amalan di Malaysia. Disertasi Sarjana: Universiti Kebangsaan .
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Copyright (c) 2024 Mohd Faiz Mohamed Yusof, Nurhanani Romli, Azri Bhari, Mohamad Mahyuddin Khalid, Mohd Ashrof Zaki Yaakob, Mohd Yusra Abdullah

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