AH. Azharuddin Lathif(1*), Diana Mutia Habibaty(2)

(1) Universitas Islam Negeri Syarif Hidayatullah Jakarta
(2) Universitas Islam Negeri Syarif Hidayatullah Jakarta
(*) Corresponding Author


The increasing of sharia insurance companies have sprung up in Indonesia. However, in their policy contracts there are still some parts that are not in accordance with sharia principles. This mismatch can cause information distortion that can harm customers or sharia insurance participants. The Sharia Insurance Policy as a form of written contract between the insurance company and the customer or the insurance participant should duly follow sharia principles in order to avoid the elements that forbid it, therefore in Indonesia the policy making must follow the legislation, namely Financial Services Authority Regulation No.69 / POJK.05 / 2016 (hereinafter abbreviated as POJK No.69 / POJK.05 / 2016) and the Financial Services Authority Regulation No.72 / POJK.05 / 2016 (hereinafter abbreviated as POJK No.72 / POJK.05 / 2016) as the basis of the rule legislation describing the standardization of sharia policy contracts. This study uses qualitative methods, the data used in the form of primary, secondary, and non-legal materials. The technique used is in the form of content analysis with the theme of normative juridical research that analyzes legal principles and systematics, and how much the level of synchronization of ABC Islamic sharia insurance products at PT. XYZ against POJK No.69 / POJK.05 / 2016 and POJK No.72 / POJK.05 / 2016. The results of this study concluded that generally the ABC Islamic Sharia insurance policy PT. XYZ is in accordance with POJK No.69 / POJK.05 / 2016 and POJK No.72 / POJK.05 / 2016, but there are some peculiarities in this policy so that it still needs to be questioned about the welfare side.


insurance, sharia, contracts, policies, synchronization

Full Text:



Ali, Hasan. Asuransi dalam Perspektif Hukum Islam: Suatu Tinjauan Analisis Historis, Teoritis, dan Parktis. Jakarta: Prenada Media, 2004.

Haerisma, Alvien Septian. "Mendesain Nilai Syariah Dalam Asuransi." Al-Amwal: Jurnal Ekonomi dan Perbankan Syari'ah 5, no. 2 (2016).

Kristianto, Djoko. "Implikasi Akuntansi Syariah dan Asuransi Syariah dalam Lembaga Keuangan Syariah." Jurnal Akuntansi dan Sistem Teknologi Informasi 7, no. 1 (2012).

Manan, Abdul. Hukum Ekonomi Syariah. Jakarta: Kencana Prenada Media Group, 2012.

Mayers, David, and Clifford W. Smith Jr. "Contractual provisions, organizational structure, and conflict control in insurance markets." Journal of Business (1981): 407-434.

Muhammad, Abdulkadir. Hukum Asuransi Indonesia. Bandung: Citra Aditya Bakti, 2006.

Sartika, Mila, and Hendri Hermawan Adinugraha. "Konsep dan Implementasi Pengelolaan Dana Premi Unit Link Syari’ah." Jurnal Asuransi Dan Manajemen Risiko 1, no. 2 (2013).

Sula, Syakir. Asuransi Syariah (Life and General). Jakarta : Gema Insani Press, 2004.

Yong, Vanessa, and Yasuhiko Saito. "National long-term care insurance policy in Japan a decade after implementation: some lessons for aging countries." Ageing International 37, no. 3 (2012): 271-284.



  • There are currently no refbacks.

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Abstracting and Indexing by: