The Concept of Legal Protection of Sharia Insurance Consumers in the Perspective of DSN Fatwa Number 21/DSN-MUI/X/2001

Eva Nur Rismawati, Isman Isman, Lukmanul Hakim

Abstract


Abstract: This research aims to analyze the concept of consumer protection in Sharia insurance, with a particular focus on claims related to promised risks, as outlined in Fatwa DSN Number 21/DSN-MUI/X / 2001. The present study is concerned with analyzing the rights and obligations of consumers and the mechanisms for filing claims based on Sharia principles. The research method employed is qualitative, incorporating a normative approach. The data is collected through an in-depth literature review of the DSN Fatwa and other associated regulations. The data analysis technique employed is juridical content analysis, which connects subjects, objects, legal relationships, and legal circumstances based on Sharia perspectives. The results of this study are expected to provide a more comprehensive understanding of the protection provided to consumers in Sharia insurance practices, as well as how the applicable fatwa provisions can process claims filed by consumers. The objective of this study is twofold: firstly, to identify any potential issues that may arise during the implementation of claims, and secondly, to provide recommendations for improvement that are by Sharia principles.

 


Keywords


Keywords: Legal Protection, Consumer, Sharia Insurance, Islamic Law

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References


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