Analisis Penerapan Akad Mudharabah pada Produk Asuransi Syariah di PT Jasindo Syariah KP Medan

Abstract

This study aims to determine the application of the mudharabah contract on Jasindo Syariah KP Insurance. Medan, knowing the percentage ratio of each product contained in PT. Asuransi Jasindo Syariah KP. Medan, and find out about the illustration of profit sharing calculations from sharia insurance products at PT. Asuransi Jasindo Syariah KP. Medan. The type of research used is descriptive research, with a qualitative approach. The conclusions of this study in brief are: First, the Implementation of the Mudharabah Agreement on Jasindo Syariah KP Insurance. Medan is implemented by establishing cooperation between the customer as the owner of the capital and the Jasindo Syariah Insurance as the capital manager. In tabarru' accounts, sharia insurance companies are allowed to provide profit sharing but are not required. The benefits will be obtained after deducting insurance expenses, will be shared between participants and companies with a mudharabah system. Second, the percentage ratio for Asuransi Jasindo Syariah Medan Marketing Office products is determined by the company. The percentage ratio for each Jasindo Syariah Insurance product is different because it is seen from how big the risks that occur in the future are. The illustration of the profit sharing calculation that is exemplified is the KBM (Motorized Vehicle) product at Asuransi Jasindo Syariah KP. Medan with a ratio of: 45% for companies and 55% for insurance participants/customers.

Keywords: Mudharabah Contract, Product Ratio Percentage, Profit Sharing Calculation Illustration