Legal Analysis of Sharia Insurance Dispute Resolution at PT. Asuransi Takaful Indonesia

Maulidya Mora Matondang; Akmaluddin Syahputra; Nawir Yuslem; Iwan Nasution; Sutan Erlambang

doi:10.47766/al-hiwalah.v5i1.7755

Authors

Maulidya Mora Matondang Universitas Islam Negeri Sumatera Utara
Akmaluddin Syahputra Universitas Negeri Islam Sumatera Utara
Nawir Yuslem Universitas Negeri Islam Sumatera Utara
Iwan Nasution Universitas Negeri Islam Sumatera Utara
Sutan Erlambang Universitas Negeri Islam Sumatera Utara

DOI:

https://doi.org/10.47766/al-hiwalah.v5i1.7755

Keywords:

sharia insurance, disputes, takaful, sharia economic law, dispute resolution

Abstract

This study aims to analyze disputes in Shariah Insuranceusing a case study of PT Asuransi Takaful. The focus of the study includes the forms and characteristics of disputes, the factors causing them, dispute resolution mechanisms, compliance with Islamic economic law principles, and the parties' perceptions of fairness. This study uses a qualitative approach with a case study method to explore the phenomenon in depth based on empirical data and a literature review. The research results show that disputes are generally related to claims, such as rejections, late payments, and differences in benefit values. Factors contributing to these disputes include a lack of transparency, low Islamic financial literacy, and weak communication between companies and participants. Dispute resolution mechanisms are mostly conducted through non-litigation channels such as deliberation, mediation, and Islamic arbitration, which align with the principle of reconciliation (islah). However, there remains a gap between the normative principles of Islamic economic law and its implementation in the field. The parties' perceptions of fairness are strongly influenced by the transparency of the process and the quality of communication. This research contributes to enriching the study of Sharia insurance disputes through a more contextual case study approach. Furthermore, it provides practical recommendations for companies, regulators, and academics to improve the effectiveness of fair and sharia-compliant dispute resolution.

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