Lecturer of Islamic Economic Laws at the sharia banking, Faculty of Islamic Economics and Business, State Islamic University of Imam Bonjol, West Sumatra
The vision of Islamic economics has held the key to the social order in human civilization. Provi... more The vision of Islamic economics has held the key to the social order in human civilization. Providing social justice together with economic prosperity. This vision is written in sharia objectives, known as maqashid syariah (al-khuliyyat al-khams) or adh-dharurat al-khams (five core things), namely: protection of religion (hifdz ad-din), protection of the soul (hifdz an-nafs), protection of reason (hifdz al-aql), protection of offspring (hifdz nasb), and protection of property (hifdz al-mal). This study seeks to moderate the concept of sharia insurance with maqashid sharia. Economically a person is required to make careful preparations to face the difficult times that will befall him at an unknown time with certainty. Protection can be achieved through Islamic insurance as an institution that provides risk protection services that are managed in accordance with Islamic principles and mechanisms. The results of the study showed the relevance of sharia insurance with maqashid sharia. Sharia insurance plays an important role in realizing human benefit in accordance with the objectives of the Shariah itself. The benefits obtained from the sharia insurance program in the form of protection of religion, life, reason, descent and property so that the fulfillment of the concept of maqashid sharia
This study aims to assess performance using the BSC method of performance appraisal of Islamic fi... more This study aims to assess performance using the BSC method of performance appraisal of Islamic financial institutions in the non-bank PT. Asuransi Takaful Umum Padang Branch. During this time, PT. Asuransi Takaful Umum Padang Branch using the system GPA (Grade Point Average) in performance assessment. GPA rated yet positioned to assess the overall performance of the organization because it is more focused on the internal side of the employees. BSC is a measurement tool that is not only viewed from the financial side, but overall a good non-financial, internal, and external companies. This research uses triangulation concurrent study the research method that combines qualitative and quantitative research methods in a balanced way. The conclusion from this study is that the performance of PT. Asuransi Takaful Umum Padang Branch can be said to be very good with a total score of 89.25% votes. With the weight of the financial perspective in the company's financial condition can be said to be very good with a score of 92.23%, the customer perspective in the position to settle with a score of 76.42% votes, internal business process perspective are in very good condition, whereby this perspective provides assessment score of 100%, as well as the learning and growth perspective in very good condition with a total score of votes obtained by 89.41%.
The aims of this study to discusses prophetic leadership models and how to facilitate it in the p... more The aims of this study to discusses prophetic leadership models and how to facilitate it in the public bureaucracy. Prophetic leadership is the ability possessed by leaders to influence subordinates in accordance with Islamic demands (leading to the pattern of the leadership of Rasulullah SAW). Systematically we work starting with searching for sources of reading (nash al-Qur'an, hadith, journals and books), then reading interactive, making reading tables, and reducing the essence of reading before being transferred to the worksheet. This study found that leadership can be explained through theories of extrinsic and intrinsic motivation. Prophetic leadership belongs to intrinsic leadership because it uses spirituality as the basis of value. In Islam, prophetic leadership not only stems from intrinsic or ethical motivation, but the integration of divine-world motivation (hasanah) and akhirat (salamah). Then it is known that the triggers of prophetic leadership can be the result of imitating the Prophet Muhammad and also through social experience. The process of its formation took place in a long time, so it is concluded that prophetic leadership can be applied in the public bureaucracy if the ASN of the country has religious maturity. Efforts to realize prophetic leadership can begin by analyzing the level of religious maturity. Bringing spiritual nuances within the organization is considered to be sufficient to facilitate the ASN of a mature country. We are just at the analytical stage and predict its application opportunities. The next researcher needs to raise the best practice case from this model and to formulate a measuring tool to assess the successful application of prophetic leadership in the public bureaucracy.
This paper aims to see how the concept and mechanism of sharing of risk on Takaful Insurance. Sec... more This paper aims to see how the concept and mechanism of sharing of risk on Takaful Insurance. Secondary data has been used such as books and journals of Takaful, daily news, and insurance policies. As an alternative form of conventional insurance-based insurance, Takaful is able to neutralize the contradictions of existing concepts in conventional insurance, so it is acceptable and not contrary to existing sharia principles. This study explains uncertainty that occurs in the future towards the soul as well as the asset requires people to be more alert about the risks that may arise. The need for it makes insurance a financial necessity in the context of minimizing possible risks. The risk that befell the participants of the insurance, not only borne by the company alone, but by all participants Takaful Insurance, this becomes one of the differentiators between Takaful with the conventional insurance.
The vision of Islamic economics has held the key to the social order in human civilization. Provi... more The vision of Islamic economics has held the key to the social order in human civilization. Providing social justice together with economic prosperity. This vision is written in sharia objectives, known as maqashid syariah (al-khuliyyat al-khams) or adh-dharurat al-khams (five core things), namely: protection of religion (hifdz ad-din), protection of the soul (hifdz an-nafs), protection of reason (hifdz al-aql), protection of offspring (hifdz nasb), and protection of property (hifdz al-mal). This study seeks to moderate the concept of sharia insurance with maqashid sharia. Economically a person is required to make careful preparations to face the difficult times that will befall him at an unknown time with certainty. Protection can be achieved through Islamic insurance as an institution that provides risk protection services that are managed in accordance with Islamic principles and mechanisms. The results of the study showed the relevance of sharia insurance with maqashid sharia. Sharia insurance plays an important role in realizing human benefit in accordance with the objectives of the Shariah itself. The benefits obtained from the sharia insurance program in the form of protection of religion, life, reason, descent and property so that the fulfillment of the concept of maqashid sharia
This study aims to assess performance using the BSC method of performance appraisal of Islamic fi... more This study aims to assess performance using the BSC method of performance appraisal of Islamic financial institutions in the non-bank PT. Asuransi Takaful Umum Padang Branch. During this time, PT. Asuransi Takaful Umum Padang Branch using the system GPA (Grade Point Average) in performance assessment. GPA rated yet positioned to assess the overall performance of the organization because it is more focused on the internal side of the employees. BSC is a measurement tool that is not only viewed from the financial side, but overall a good non-financial, internal, and external companies. This research uses triangulation concurrent study the research method that combines qualitative and quantitative research methods in a balanced way. The conclusion from this study is that the performance of PT. Asuransi Takaful Umum Padang Branch can be said to be very good with a total score of 89.25% votes. With the weight of the financial perspective in the company's financial condition can be said to be very good with a score of 92.23%, the customer perspective in the position to settle with a score of 76.42% votes, internal business process perspective are in very good condition, whereby this perspective provides assessment score of 100%, as well as the learning and growth perspective in very good condition with a total score of votes obtained by 89.41%.
The aims of this study to discusses prophetic leadership models and how to facilitate it in the p... more The aims of this study to discusses prophetic leadership models and how to facilitate it in the public bureaucracy. Prophetic leadership is the ability possessed by leaders to influence subordinates in accordance with Islamic demands (leading to the pattern of the leadership of Rasulullah SAW). Systematically we work starting with searching for sources of reading (nash al-Qur'an, hadith, journals and books), then reading interactive, making reading tables, and reducing the essence of reading before being transferred to the worksheet. This study found that leadership can be explained through theories of extrinsic and intrinsic motivation. Prophetic leadership belongs to intrinsic leadership because it uses spirituality as the basis of value. In Islam, prophetic leadership not only stems from intrinsic or ethical motivation, but the integration of divine-world motivation (hasanah) and akhirat (salamah). Then it is known that the triggers of prophetic leadership can be the result of imitating the Prophet Muhammad and also through social experience. The process of its formation took place in a long time, so it is concluded that prophetic leadership can be applied in the public bureaucracy if the ASN of the country has religious maturity. Efforts to realize prophetic leadership can begin by analyzing the level of religious maturity. Bringing spiritual nuances within the organization is considered to be sufficient to facilitate the ASN of a mature country. We are just at the analytical stage and predict its application opportunities. The next researcher needs to raise the best practice case from this model and to formulate a measuring tool to assess the successful application of prophetic leadership in the public bureaucracy.
This paper aims to see how the concept and mechanism of sharing of risk on Takaful Insurance. Sec... more This paper aims to see how the concept and mechanism of sharing of risk on Takaful Insurance. Secondary data has been used such as books and journals of Takaful, daily news, and insurance policies. As an alternative form of conventional insurance-based insurance, Takaful is able to neutralize the contradictions of existing concepts in conventional insurance, so it is acceptable and not contrary to existing sharia principles. This study explains uncertainty that occurs in the future towards the soul as well as the asset requires people to be more alert about the risks that may arise. The need for it makes insurance a financial necessity in the context of minimizing possible risks. The risk that befell the participants of the insurance, not only borne by the company alone, but by all participants Takaful Insurance, this becomes one of the differentiators between Takaful with the conventional insurance.
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