Rekonstruksi Konsep Takafuul dalam konsep syari'ah perspektif maqashid syariah
DOI:
https://doi.org/10.71242/b9w8hq69Keywords:
Reconstruction, Takaful, Sharia, Maqashid ShariaAbstract
This study aims to rebuild the concept of takaful in Islamic insurance using the maqashid syariah approach, which is a framework of Islamic law objectives that emphasizes public interest. In the development of the Islamic financial system in Indonesia, Islamic insurance still faces philosophical issues related to the application of the values of justice, solidarity, and sustainability. Many people argue that Islamic insurance has not fully demonstrated the values of ta'awun or mutual assistance, and takaful or shared responsibility, as expected by Sharia. Through a literature review and normative qualitative analysis, this study examines the essence, mechanisms, and evaluation of maqashid syariah on the application of the takaful system. The results show that takaful is a concept of social protection based on moral values, not merely an economic transaction. Its implementation mechanisms need to be improved so that it is not only formally Sharia-compliant, but also provides real social benefits. Thus, rebuilding takaful from the perspective of maqashid sharia is an important step to strengthen the legitimacy and sustainability of Islamic insurance in Indonesia.
Abstrak
Penelitian ini bertujuan untuk membangun kembali konsep takaful dalam asuransi syariah dengan menggunakan pendekatan maqashid syariah, yang merupakan kerangka tujuan syariat Islam yang menekankan kemaslahatan. Dalam perkembangan sistem keuangan syariah di Indonesia, asuransi syariah masih dihadapkan pada masalah filosofis terkait penerapan nilai keadilan, solidaritas, dan kelangsungan. Banyak orang berpendapat bahwa asuransi syariah belum sepenuhnya menunjukkan nilai-nilai ta'awun atau tolong-menolong, serta takaful atau tanggung jawab bersama, sesuai dengan yang diharapkan syariah. Melalui metode studi pustaka dan analisis kualitatif normatif, penelitian ini menelaah hakikat, mekanisme, serta evaluasi maqashid syariah terhadap penerapan sistem takaful. Hasilnya menunjukkan bahwa takaful adalah konsep perlindungan sosial yang didasarkan pada nilai moral, bukan sekadar transaksi ekonomi. Mekanisme pelaksanaannya perlu diperbaiki agar tidak hanya patuh syariah secara formal, tetapi juga memberikan kemaslahatan sosial yang nyata. Dengan demikian, pembangunan kembali takaful melalui sudut pandang maqashid syariah menjadi langkah penting untuk memperkuat legitimasi dan kelangsungan asuransi syariah di Indonesia
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