ANALISIS YURIDIS AKAD TABARRU’ DAN AKAD TIJARAH DALAM PRODUK UNIT LINK SYARIAH

https://doi.org/10.22146/jmh.16729

Destri Budi Nugraheni(1*)

(1) Fakultas Hukum Universitas Gadjah Mada
(*) Corresponding Author

Abstract


Abstract
A Polis syaria unit­linked PT. AXA Financial Indonesia, PT. Prudential Life Assurance, and PT. Takaful Keluarga, has not been fully put things in accordance with the contract tabarru DSN and Minister of Finance Regulation No. 18/PMK.010/2010 that is related to the rights and obligations of participants collectively. Akad tijarah used in syaria unit­linked is wakalah bil ujrah containing authorization to the company as vice policyholders to manage Tabarru ‘and or investment fund, in return for a ujrah. Endorsee as a corporate investment fund management is not responsible for investment losses due to policyholders have chosen the type of investment and know the risks of this type of investment.


Intisari
Polis unit link syariah PT. AXA Financial Indonesia, PT. Prudential Life Assurance, dan PT. Takaful Keluarga, belum sepenuhnya mencantumkan hal-hal dalam akad tabarru’ sesuai ketentuan Fatwa DSN dan Peraturan Menteri Keuangan Nomor 18/PMK.010/2010 yaitu terkait hak dan kewajiban peserta secara kolektif. Akad tijarah yang dipergunakan adalah akad wakalah bil ujrah yang berisi pemberian kuasa kepada perusahaan sebagai wakil pemegang polis untuk mengelola Dana Tabarru’ dan atau dana investasi, dengan imbalan berupa ujrah. Perusahaan selaku penerima kuasa pengelolaan dana investasi tidak bertanggung jawab terhadap kerugian investasi dikarenakan pemegang polis telah memilih jenis investasi dan mengetahui risiko dari jenis investasi tersebut.


Keywords


tabarru; tijarah; syaria unit­ linked; tabarru’, tijarah; Unit Link Syariah

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DOI: https://doi.org/10.22146/jmh.16729

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MIMBAR HUKUM ISSN: 0852-100X(print), ISSN: 2443-0994(online)