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قديم 04-10-2014, 10:10 PM   #1
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الصورة الرمزية حسام السعيد
 
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اوسمتي

تيو Islam saw in insurance

Islam saw in insurance

Islam distinguishes between two types of insurance , namely the cooperative insurance and commercial insurance . As for Cooperative insurance is based on donations collected from a group of participants in order to be used in helping the needy . And does not return to subscribers of these donations is something , whether capital or profits or any other return on investment . Because these funds are considered donations from subscribers , please reward from God which does not profit. Thus , this type of insurance is not commercially .

As for the other type of commercial insurance is a contract between the insurance company and the insured . Requires that the trustee pays a sum of money in the form of premiums to take on specific compensation check in the case of a particular risk . And get the insurance company to profits , First: the difference between the premiums paid by their clients and the compensation that is spent in the check case of danger, and secondly : revenues from investment income . According to the following equation :

Profit = earned premium + investment income - losses - expenses insurance process [1]
The cooperative insurance is permissible in Islam , where is a form of cooperation in righteousness and piety and charity and helping the needy and afflicted , as in verse ) and virtue, righteousness and piety and do not cooperate in sin and aggression ( [2] . In the words of the Prophet , " and God help the slave was slave helps his brother " [3] . The contract of insurance cooperative contract donations do not contract offsets such as insurance business. For more information, opinion Method in cooperative insurance , you can see the fatwa Islamic Fiqh Council in this regard through this link . [1]

As for the insurance trade was unanimous all jurisprudential academies regarded in the Arab and Muslim world on the sanctity [4] and the inadmissibility of the deal by all forms and manifestations , and these academies , International Islamic Fiqh Academy in Jeddah of the Organization of the Islamic Conference [ 5 ] , and the compound Method Mecca of the Muslim World Islamic [6] , and the European Council for Fatwa and Research [7] , and the Assembly of Muslim Jurists in America [8 ] , and others.
Collect it was also senior scholars of contemporary Islam except for some few individual opinions . Among the most famous scientists who have stated the sanctity of commercial insurance , Sheikh Hanafi Ibn Abidin , Sheikh Gad al-Haq and Sheikh Al-Azhar , Sheikh Albani and Sheikh Muhammad ibn Saalih Ibn Baz and Sheikh Dr. Yusuf al-Qaradawi [9] .
This came prohibition based on the availability of several forms of financial transactions prohibited by the insurance contract. Including the following :

Ambiguity : where the contract is commercial insurance contracts offsets the financial probability that the repository does not know how much they will take him or give him the time of the contract , the insured pays some premiums then checks the danger he deserves what commitments made by the insurance company , has paid all the premiums can not be achieved not take the risk something . As well as the insurance company can not determine at the time of the contract that will give or take for each contract individually . This is considered a form of ambiguity obscene . The Prophet forbade the sale of ambiguity as the right to speak .
Gambling: consequent to hold commercial insurance financial risk for both parties , it has affected one of the parties as a result of an accident is not causing it, but it is based on accident probability , which is purely both parties to the contract in the case of complete ignorance with knives bring. With ignorance full and risk contract becomes a form of gambling and enters in the general prohibition on gambling as in the verse ) O ye who believe , but alcohol and gambling, and monuments and an abomination of Satan Vajtenboh ye may prosper ( [10] and take advantage repository or not in commercial insurance contracts The question of the possibility of Kaalghemar , check the danger gets the value of the insurance, and if the threat did not materialize lost his money.
Usury is included in the insurance contract business from the Islamic perspective on the two types of usury , riba al-nasee'ah credit and usury . If the insurance company paid the money to the lessee to pay more than a repository that was a Lord of the preferred hand and Lord Nsaih the other hand because the company paid these amounts after a period . But if the insurance company paid for the fiduciary such as pay , so the Lord Nsaih only . Both types of usury is Jaúzen consensus of Muslim scholars . The insurance business of usury includes candid interview where money from money more or less of them.
Consuming people's wealth unlawfully : If you do not check the risk the insurance company takes money repository at no cost, or vice versa in the case of check risk . And taking something for nothing trade-offs in commercial contracts is legally permissible . He told God Almighty ) O ye who believe, do not eat money between you vanities ( [11]
Cram what is not required legally : it deprives the insurance contract also because it required the insurance company to ensure the risk of the lessee is not causing it , and return to the image of security in Islamic jurisprudence, it is not the one that ensures the money other similarly or value only if it has seized this money unjustly or wasting the owner or spoil it or use it to burn or demolish or otherwise Balgrr Oalkhiana or guarantees the performance of this money. Not fulfilled any of these cases in the commercial insurance contract where the company has not entered into any of these losses are not to proceed nor cause . The insurance company is not a legitimate guarantor .


المواضيع المتشابهه:


Islam saw in insurance

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حسام السعيد غير متواجد حالياً   رد مع اقتباس
قديم 04-11-2014, 04:23 AM   #2
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الصورة الرمزية محمدعبد العال
 
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اوسمتي

افتراضي رد: Islam saw in insurance

تسلم يا غالي
أكرمك الله
و بارك الله فيك حسام
و جزاك خيرا
لك مني خالص التحية

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محمدعبد العال غير متواجد حالياً   رد مع اقتباس
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