Penerapan Konsep Syariah pada Produk Asuransi Prulink PT Prudential Syariah Binjai

Abstract

The presence of sharia insurance is needed to be able to help the public to avoid the practices of usury, maisir and gharar, as practiced in conventional financial institutions which worry Indonesian citizens who are dominated by Muslims. Sharia insurance means mutual protection and assistance between a number of people and parties by investing in the form of assets and tabarru' which divides the form of return to face certain risks using a contract that conforms to sharia. in this study focuses on "Implementation of the Sharia Concept in PRUlink Insurance Products at PT. Prudential Syariah Binjai". Thus this research intends to find out whether the operationalization of sharia products (PRUlink sharia) at Prudential is in sync with sharia principles or not. This research method is a qualitative research method, namely by compiling data and information that has been collected by researchers with which will be the final result in written form. From the observations obtained, all funds in Prulink products invested are registered on the Jakarta Islamic Index, managed according to sharia and this also means that the company has avoided usury practices.

Keywords  Sharia Concept, Prulink Insurance, Prudential Sharia