Abstract
This paper wants to explore more about the prospects and challenges of the development of Islamic insurance in Indonesia. Islamic insurance industry in Indonesia has very good prospects for growth, the demand for insurance products based on shariah will continue to increase. This is supported by a large population of Indonesia and also as the largest Muslim country in the world. However, this industry will also experience a very strong obstacle because of the global economic downturn, as it also conditions the people are not educated about insurance, the free market has begun to be applied, resources are less about Islamic insurance, lack of capital and other on.Therefore it needs the government's role to help to continue to grow, with regulations that support this industry
Highlights
PENDAHULUAN Tantangan yang dihadapi oleh dunia asuransi Indonesia makin menguat dengan banyaknya serbuan asuransi asing sebagai dampak langsung globalisasi.Di era mendatang atau dikenal sebagai era globalisasi, perusahaan-perusahaan asuransi/reasuransi Indonesia selain menghadapi "serbuan" dari perusahaanperusahaan asuransi/reasuransi asing yang memiliki permodalan yang kuat, serta teknologi dan sumber daya manusia yang handal, juga berpeluang untuk beroperasi mengembangkan bisnis asuransi dan reasuransi di negara-negara lain
This paper wants to explore more about the prospects and challenges of the development of Islamic insurance in Indonesia
Islamic insurance industry in Indonesia has very good prospects for growth, the demand for insurance products based on shariah will continue to increase
Summary
Dalam ekonomi Islam dikenal dengan adanya lembaga keuangan yang berbentuk bank dan lembaga keuangan perekonomian umat non perbankan, diantaranya asuransi syariah. Di dalam bahasa Arab asuransi dikenal dengan istilah: at Takaful, at Tadhamun, dan atTa’min, yang berarti: saling menanggung.Penanggung di sebut mu’amin, sedangkan tertanggung di sebut mu’amman lahu atau musta’min. Seseorang membayar atau menyerahkan uang cicilan untuk agar ia atau ahli warisnya mendapatkan sejumlah uang sebagaimana yang telah disepakati, atau untuk mendapatkan ganti terhadap hartanya yang hilang
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