Afifah, (2025) Analisis Faktor-Faktor Yang Mempengaruhi Pendapatan Nelayan Di Desa Sukajaya Kecamatan Cilamaya Kulon Kabupaten Karawang. Bachelor thesis, S1-Ekonomi Syariah UIN SSC.
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Abstract
Economic uncertainty and globalization are inevitable realities. Therefore, Allianz Syariah Branch Cirebon offers health insurance services based on Sharia principles, aiming to provide financial protection in accordance with Islamic law. However, concerns have emerged regarding the application of contracts within these products, particularly whether the mechanisms align with Sharia Economic Law, which emphasizes justice, transparency, and freedom from elements of riba (usury), gharar (uncertainty), and maisir (gambling). This study aims to examine the transparency in the management of the tabarru’ fund at Allianz Syariah Cirebon by assessing how the implementation of health insurance contracts and the claim submission mechanisms comply with Fatwa No. 21/DSN-MUI/X/2001 on General Guidelines for Sharia Insurance. This research adopts a qualitative approach, with data collected through interviews, observation, and documentation, and analyzed using a descriptive-analytical method. The results show that the management of the tabarru’ fund at Allianz Syariah Cirebon has structurally followed Sharia principles through the tabarru’ and wakalah bil ujrah contracts, as stipulated in Fatwa DSN-MUI No. 21/DSN-MUI/X/2001. However, the implementation of transparency and accountability principles remains suboptimal. Participants lack sufficient access to essential information such as detailed usage of tabarru’ funds, underwriting surplus, the amount and structure of ujrah (fees), and standalone financial reports. Furthermore, the role of the Sharia Supervisory Board at the branch level is not clearly visible, resulting in unclear communication channels regarding Sharia compliance. This lack of clarity leads to information asymmetry, potentially introducing elements of gharar, weakening the principles of justice and trust, and reducing participant confidence in the Sharia insurance system, which is fundamentally based on mutual help (ta’awun). Keywords: Insurance Contract, Financial Protection, Islamic Insurance.
| Item Type: | Thesis (Bachelor) |
|---|---|
| Subjects: | H Social Sciences > HB Economic Theory |
| Divisions: | Fakultas Syariah dan Ekonomi Islam |
| Depositing User: | rosyidah rosyidah rosyidah |
| Date Deposited: | 22 Jul 2025 08:10 |
| Last Modified: | 22 Jul 2025 08:10 |
| URI: | http://repository.syekhnurjati.ac.id/id/eprint/15481 |
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