STUDI KOMPARATIF TAKAFUL DAN ASURANSI KONVENSIONAL

<p>The development of the sect of the sect of the conventional<br />economic science gave birth to two large flows in the economic system<br />of the countries in the world. The First, the classic economic ideologies<br />known with monetary policy in order to maintain the stability of the<br />state keekonomian. The second, understands the modern economy<br />that focusing the policy of the government in the fiscal sector. In the<br />middle of the rivalry between two economic ideologies, on the decade<br />of the 1970s in gagaslah an economic system which is considered as the<br />solution to accommodate the problems faced by a negra. The Islamic<br />economy with the basic philosophy that tend to be outside of the<br />mainstream economy offers the principle of values and the purpose of<br />the comprehensive and universal.<br />In the economic system countries there financial institutions<br />Banks and non-bank. In the adjacent is the author<br />membahasakan one of non-bank financial institutions, namely<br />insurance. As in conventional financial institutions there are<br />insurance, so also on the sharia financial institutions have sharia<br />insurance named with takaful. The subject of done author is gives a<br />comparison between the conventional insurance and takaful. So that<br />can provide a description of the opportunities takaful development in<br />Indonesia as a whole.<br />The Annual Report Bappepam-LK 2011 syariah insurance<br />(takaful) number of wealth and investment funds owned by Rp9,2<br />Trillion and Rp7,8 Triliundan growth that occurs on this industry<br />of 31,94% and 33,76%. From this study by relying on the principle that<br />is owned by the takaful conclusion can be that takaful in Indonesia<br />still have opportunities that is large enough to perform the expansion<br />of the market by touching the middle to society.</p>