ANALISIS PELAKSANAAN AKAD MUDHARABAH PADA PT. ASURANSI TAKAFUL KELUARGA RO. RIAU AGENCY PEKANBARU

Abstract

Abstract

Management of funds with the mudharabah system at PT. RO Family Takaful Insurance. Riau Agency Pekanbaru in general, where participants (customers) act as shahibul maal (fund owners) and insurance companies as mudharib (fund managers), here participants / customers do not provide certain restrictions to insurance companies regarding the management of their funds. This research is a field research (field research), while this type of research is qualitative. The use of this qualitative method aims to make the data obtained more complete, deeper, credible and meaningful. The purpose of this study was to determine the management of funds with the implementation of the Mudharabah Agreement at the RO Family Takaful Insurance PT. Riau Agency Pekanbaru and its compatibility with Shari'ah principles.From the results of the research on the mechanism of managing funds with the mudharabah system at PT. RO Family Takaful Insurance. Pekanbaru Riau Agency Branch, can be concluded as follows: Savings and protection product practices at PT. RO Family Takaful Insurance. Riau Agency Pekanbaru uses the Mudharabah and Tabarru contract 'while Saving fund management at PT RO Family Takaful Insurance. Riau Agency Pekanbaru on Takafulink Salam and Takafulink Salam Cendikia products based on Mudharabah Agreement is in accordance with shari'ah principles because it has set two types of premiums and contracts in products that manage their funds using the mudhabarah system or profit-sharing benefits which are savings premiums sourced from mudharabah contracts (these funds are used for savings investment purposes which will later provide profit-sharing benefits between participants and managers)

Keywords: Implementation, Mudharabah, Agreement, Takaful, Insurance