Insurance Company In Islamic Law

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Insurance Company In Islamic Law

Lately, many emerging companies ies insurance and each claim to have a fatwa that allows insurance. Most of the company reveals, that the money you pay for car insurance you will be returned to you just by selling it. How the practice of law? For us to better understand and practice this problem, let us invite our hearts to be put God and His Messenger. So we get the benefits and avoid cases that could plunge us on the precipice contempt and sadness. This is the Standing Committee Ad-Daimah Buhut Lil Al-Ifta Wal Ilmiyah quoted from the Book of Al-Fatawa Al ash-Fi Syar'iyyah Masa'il Ashriyyah Min Fataawa Al-Ulama Al-Balad Al-Haram.



There are two kinds of insurance. Kibaril Hai'ah Majlis Ulama have to study it since a few years ago and has issued a decision. But some people just glance section without regard to the permissibility of the illegitimate, or use a license to practice may be unlawful so that the problem becomes unclear for some people.

Cooperative insurance (social security) is allowed, such as; group of people paying a certain amount of money for sadaqah or build a mosque or help the needy. Many people who take this term and make it a reason for commercial insurance. It's their mistake and deception against humans.

Examples of commercial insurance: A person insuring the car or any other item that is imported at a cost of goods so and so. Sometimes does not happen so the money you have paid the insurance company it was taken for granted. This includes gambling included in the word of Allah Ta'ala, which means: "Surely (drinking) alcohol or gambling, (sacrificing to) idols, gambled the fate arrows are abominations including acts of Satan" [Al-Maidah: 90]

In conclusion, that the insurance cooperative (co-insurance / social security) is a certain amount of money collected and donated by a group of people for the benefit shar'ie, such as; help the needy, the orphans, the construction of mosques and other goodness.

Here we attach to the manuscript reader fatwa the Standing Committee Ad-Daimah Buhut Lil Al-Ifta wal Ilmiyah (Permanent Committee for Research and Fatwa Ilmiyah) of the insurance cooperative (co-insurance).

Praise be to Allah, the Lord of the Worlds. Prayers and peace and greetings be upon our Prophet Muhammad, his family and friends, amma ba'du.

Has issued a decision on Ha'iah Kibaril Ulama haramnya commercial insurance with all kinds because it contains madharat and great danger as well as a follow-consuming property of others by means of the acquisition of the vanity, which it had been forbidden by the sacred law and is strictly prohibited.

Other than that, Hai'ah Kibaril Ulema also issued a decision on bail is proper cooperation (cooperative insurance), which consists of donations donors with the intention of helping those who need it and not go back to members (donors), the principal amount is not nor profits, because the members are expected Allaah reward by helping those who need help, and do not expect reciprocity mundane. It is covered by the word of Allaah: which means: "And please menolonglah you in (doing) virtue and piety, and do not be helping in sin and transgression" [al-Ma'idah: 2]

And the words of the Prophet sallallaahu 'alaihi wa sallam, which means: "And God will help the servant for the servant helps his brother" [Hadith Muslim history, the book adh-Dhikr wad wat Du'at Tauba 2699]

It is quite clear and there is no vague.



But lately some companies disguise to people and turned the essence, which they named the unlawful commercial insurance as social security is attributed to the fatwa which allowed of Ha'iah Kibaril Ulama. This is to deceive others and promote their company. Though Ha'iah Kibaril Cleric altogether regardless of the practice, because the decision was clearly distinguish between commercial insurance and social insurance (assistance). Changing the name itself does not change substantially.

This statement is issued in order to provide an explanation to the people and dismantle the disguise and unveil the lies and pretense. Prayers and peace may always be transferred to our Prophet Muhammad, to the whole family and friends.

[Al-Bayan Min Standing Committee Ad-Daimah Buhuts Lil Al-Ifta wal Ilmiyah Haula At-At-tijari ta'min wat ta'min At-Ta'awuni]


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