Common problems of Islamic Insurance:
Referring
to the traditional Islamic insurance prospectus them, prescribed them
for their work, though its implementation is not very targeted. Some of the problems are highlighted below:A. Though life insurance refers to insurance liability as people assume it is. Therefore, the life insurance provision at issue was still to come. (C. The value of human life or with any product that is not part of the law. Therefore, the value of its law does not comply.) Because the value of human life is the opposite of premium fixation name.B. Under the terms of the scheme Mudaraba Mudaraba investing, but the field is not followed. As a result, the use of a different name, as is common in traditional Islamic insurances.C. Life Insurance policy holders Islamic worlds, wealth (in case of
mudaraba), whether or muyakkela (oyakalara case), the company's
shareholders, as owners of the company are countable. Yet, in its complaint, such as shareholders, are not brought under the advice or instruction.D. Despite the company's investments in interest-based interest-based bank is prohibited. Or in ways that are not of interest, but in the name of which is virtually sudai.E. Life Insurance cancellation of Islamic Shariah Board transaction constant monitoring and the ability to speak, but the investigation is
completed, the entire board of Shariah in many cases are ignored. The biggest thing is, those who are ignorant of the law, they are governed by the Islamic insurance. A board that thakenao Shariah scholars, the question remains about their credibility.F. Policy holders death or major loss of its deposit withdrawals were a lot of difficulties. In most cases, he was back in despair. Which is nothing more than mere hype.G. Highlights the potential of the damage to the insurance company in a manner so that it is inevitable. But in many cases, something like that does not happen. Thus, the profit up to the people asankake materially hype but what?In essence, to put the customer in the ways in which the Islamic insurances, also cast doubt on this program. There are old wine in a new bottle.It is not forbidden in Islam insurance. However, if the implementation of the system is un-Islamic, then you'd never ask to speak against Islam. Therefore, the request to the public, it will be associated with the search after the insurance company.If it is not possible at the level of co-operation between small funds can be developed. Industry, small-scale industries, cottage industries, agriculture,
co-operation between the employee and the working people to fund the
expansion of commercial and economic welfare of the people by insurance
is considered, it will be possible to achieve easily.Islamic insurance is critical to our common objective of the article in question. Rather, our aim is to uphold the Islamic insurance outline publicly. Give us the grace to follow the guidance of God.
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