GHARAR DALAM BANCASSURANCE : ANALISIS RISIKO DAN KEPATUHAN SYARIAH

Authors

  • Muhammad Raja Institut Agama Islam Sufyan Tsauri Majenang
  • Akfini Islam Miati Institut Agama Islam Sufyan Tsauri Majenang
  • Oktofiani Istikharoh Institut Agama Islam Sufyan Tsauri Majenang
  • Muhammad Fathir Assyifa Institut Agama Islam Sufyan Tsauri Majenang

DOI:

https://doi.org/10.61722/jemba.v3i1.2113

Keywords:

Bancassurance, Gharar, Kepatuhan Syariah, Manajemen Risiko, PerlindunganKonsumen

Abstract

The integration of the banking and insurance sectors (bancassurance) has become a vital strategy in the modern financial industry to increase fee-based income. However, this business model harbors complex sharia risks, particularly related to the element of gharar (uncertainty) and information asymmetry between banks, insurance companies, and customers. This study aims to critically analyze the potential for gharar hidden in the structure of bancassurance products—particularly investment products (unit links)—and evaluate the effectiveness of sharia contracts in mitigating it. This study uses a descriptive qualitative method with a juridical-normative approach, reviewing literature from accredited journals and Fatwas from the National Sharia Council (DSN-MUI). The results show that gharar in bancassurance often arises not in the object of insurance, but in the unclear contract mechanism (uqud murakkabah) and speculative investment projections. Sharia compliance solutions require strict implementation of hybrid contracts: wakalah bil ujrah for marketing, tabarru' for risk, and mudharabah for investment.

 

References

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Published

2026-01-19

How to Cite

Raja, M., Islam Miati, A., Istikharoh, O., & Fathir Assyifa, M. (2026). GHARAR DALAM BANCASSURANCE : ANALISIS RISIKO DAN KEPATUHAN SYARIAH: . JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI, 3(1), 585–593. https://doi.org/10.61722/jemba.v3i1.2113

Issue

Vol. 3 No. 1 (2026): Januari

Section

Articles

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