Kedudukan Asuransi Jiwa Pada Pembiayaan Murabahah Di Lembaga Perbankan Syari’ah

Abstract

Life insurance in bank financing is a means of minimizing risk in the risk management process carried out by banks related to the risk of default from customers who receive financing from a bank. The purpose of this study is to analyze the position of life insurance on murabaha financing in Islamic banking institutions. The research method used is a qualitative research method. The type of qualitative research method used is non-interactive qualitative, namely research on concepts through a document analysis. The results of the study show that murabahah financing is defined as financing provided to customer members in order to fulfill production needs, for this transaction the bank can obtain a number of benefits that have been agreed upon between the bank and prospective members. In a murabaha contract, there are two mutually binding contracts, namely a wakalah contract and an insurance contract, which means that there are multiple contracts (hybrid contracts) Islamic Shari'ah.