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STUDI IDENTIFIKASI AKAD ASURANSI KONVENSIONAL TERHADAP PRINSIP SYARIAH (Studi Kasus Jasa Raharja Kota Kendari)

JEP (Jurnal Ekonomi Pembangunan) · Vol. 8 No. 1 (2018) · pp. 207–223

DOI
10.57206/jep_uho.v8i1.6115
ISSN
2503-2089, 1979-231X
Published
2018-07-31
Publisher
Universitas Halu Oleo
Language
eng
License
creativecommons.org/licenses/by-sa/4.0

Abstract

This research aims to know the mechanism of contract conventional insurance at Insurance PT Jasa Raharja Kendari and to know the level of conventional insurance contract compliance with Sharia principles on PT Jasa Raharja Insurance city of Kendari. The design of the research is qualitative, descriptive. Data collection is done using a list of guidelines for interviews. In this research that became an informant was Chairman of PT Jasa Raharja Kendari as much as 1 person, head of Unit billing and Finance Offices of PT Jasa Raharja Kendari as much as 1 person, staff employees as many as three people, and participants of the insurance of PT Services Raharja Kendari 4 people. This research uses descriptive analysis. The results showed that the existing fund management in PT Jasa Raharja Branch Kendari contain elements of gharar, and usury, maysir. The existence of elements of riba, where payment of compensation did not consider the magnitude of the premiums paid, and the victim or or his heir has the right to receive maternity benefit resulting from traffic accidents. Premiums received airplay on other investment interest-free, where the premiums include a compulsory Dues and mandatory contributions. Premium system run by PT Jasa Raharja Insurance. contains things that contain elements of gharar as seen from the Akkadian confuses used between participants and company parties, contain elements of uncertainty (gambling/maysir) in payment of the premium and the amount of earned and there are elements of unfairness on participants who died that the premiums are said to be non-refundable (charred). Monthly premiums paid by life insurance policyholders, in part is the common fund or funds together for helping royong members who died before savings/premium payers ends. In addition, there is no agreement with the customer that the Insurance Act as the provider of funds to be invested in other ventures, but insurers still be acting as the Manager of the Fund participants.

Keywords

Collaboration network of the authors

40 authors · 110 co-authorship links · 1 across different organisations · showing the 40 most connected

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  • Institut Agama Islam Negeri Kendari
  • Universitas Halu Oleo
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Gamsir GamsirAffiliation unknown2
Wali Aya RumbiaAffiliation unknown2
Fatihani BasoInstitut Agama Islam Negeri Kendari1
Noor Lailah SahlanAffiliation unknown1
Abdul Rahman A. GhaniAffiliation unknown1
Hasan AedyAffiliation unknown1
Muhammad Yusril Ersya RamadhaniAffiliation unknown1
Ibnu Syaichul IslamAffiliation unknown1
Naddin NaddinAffiliation unknown1
Toto IswantoAffiliation unknown1
Rosnawintang RosnawintangAffiliation unknown1
Muh. Yani BalakaAffiliation unknown1
Muhammad SyarifAffiliation unknown1
Bambang Bintoro SutarnoAffiliation unknown1
Abdul Azis MuthalibAffiliation unknown1
Witri Prastika MurriyantiAffiliation unknown1
Nur RahmaAffiliation unknown1
Andi Basru WawoAffiliation unknown1
Salmiyanti RuslanAffiliation unknown1
Rostin RostinAffiliation unknown1
Sri Ayuni PurnamasariAffiliation unknown1
Zainuddin SaenongAffiliation unknown1
Erra Septy VibrianeAffiliation unknown1
Wa Ode HarlisUniversitas Halu Oleo1
Jamili JamiliAffiliation unknown1
Muhammad Marshal NugrohoAffiliation unknown1
Amarrakhaisya SyamsuarAffiliation unknown1
Ameerakhaiya SyamsuarAffiliation unknown1
Hafizh Muhammad Anfasha YunaryoAffiliation unknown1
Lintang Ambar PramestiAffiliation unknown1
Ma'ruf NurrudinAffiliation unknown1
Muhammad Alif DarmamuliaAffiliation unknown1
Rachiny Anantridha FasyaAffiliation unknown1
Salsabilla Husna HaniffahAffiliation unknown1
Sanjika Ilham Putra Lumban GaolAffiliation unknown1
Muhammad Salman Al FarisyiAffiliation unknown1
Achmad Fawaz FerdiansyahAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://ojs.uho.ac.id/index.php/JEP/oai, first harvested 30 Okt 2026, last seen 30 Okt 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">STUDI IDENTIFIKASI AKAD ASURANSI KONVENSIONAL TERHADAP PRINSIP SYARIAH (Studi Kasus Jasa Raharja Kota Kendari)</dc:title>
	<dc:creator>Sastia, Amalia</dc:creator>
	<dc:creator>Rusli, Supriady</dc:creator>
	<dc:creator>Ernawati, Ernawati</dc:creator>
	<dc:subject xml:lang="en-US">Economics</dc:subject>
	<dc:subject xml:lang="en-US">Contract Conventional Insurance, Sharia Principles</dc:subject>
	<dc:subject xml:lang="en-US">B21; B26; G23; G22</dc:subject>
	<dc:description xml:lang="en-US">This research aims to know the mechanism of contract conventional insurance at Insurance PT Jasa Raharja Kendari and to know the level of conventional insurance contract compliance with Sharia principles on PT Jasa Raharja Insurance city of Kendari. The design of the research is qualitative, descriptive. Data collection is done using a list of guidelines for interviews. In this research that became an informant was Chairman of PT Jasa Raharja Kendari as much as 1 person, head of Unit billing and Finance Offices of PT Jasa Raharja Kendari as much as 1 person, staff employees as many as three people, and participants of the insurance of PT Services Raharja Kendari 4 people. This research uses descriptive analysis. The results showed that the existing fund management in PT Jasa Raharja Branch Kendari contain elements of gharar, and usury, maysir. The existence of elements of riba, where payment of compensation did not consider the magnitude of the premiums paid, and the victim or or his heir has the right to receive maternity benefit resulting from traffic accidents. Premiums received airplay on other investment interest-free, where the premiums include a compulsory Dues and mandatory contributions. Premium system run by PT Jasa Raharja Insurance. contains things that contain elements of gharar as seen from the Akkadian confuses used between participants and company parties, contain elements of uncertainty (gambling/maysir) in payment of the premium and the amount of earned and there are elements of unfairness on participants who died that the premiums are said to be non-refundable (charred). Monthly premiums paid by life insurance policyholders, in part is the common fund or funds together for helping royong members who died before savings/premium payers ends. In addition, there is no agreement with the customer that the Insurance Act as the provider of funds to be invested in other ventures, but insurers still be acting as the Manager of the Fund participants.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Halu Oleo</dc:publisher>
	<dc:contributor xml:lang="en-US"></dc:contributor>
	<dc:date>2018-07-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
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	<dc:identifier>https://ojs.uho.ac.id/index.php/JEP/article/view/6115</dc:identifier>
	<dc:identifier>10.57206/jep_uho.v8i1.6115</dc:identifier>
	<dc:identifier>urn:nbn:de:10.57206jep_uho.v8i1.61156</dc:identifier>
	<dc:source xml:lang="en-US">JEP (Jurnal Ekonomi Pembangunan); Vol 8, No 1 (2018): JEP (Jurnal Ekonomi Pembangunan); 207-223</dc:source>
	<dc:source>2503-2089</dc:source>
	<dc:source>1979-231X</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ojs.uho.ac.id/index.php/JEP/article/view/6115/4503</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2019 Amalia Sastia, Supriady Rusli, Ernawati Ernawati</dc:rights>
	<dc:rights xml:lang="en-US">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
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