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This paper wants to explore more about the prospects and challenges of the development of Islamic insurance in Indonesia. Islamic insurance industry in Indonesia has very good prospects for growth, the demand for insurance products based on shariah will continue to increase. This is supported by a large population of Indonesia and also as the largest Muslim country in the world. However, this industry will also experience a very strong obstacle because of the global economic downturn, as it also conditions the people are not educated about insurance, the free market has begun to be applied, resources are less about Islamic insurance, lack of capital and other on.Therefore it needs the government's role to help to continue to grow, with regulations that support this industry

Perkembangan industri asuransi di Indonesia makin berkembang, hal ini dapat dilihat dari makin meningkatnya kesadaran masyarakat untuk ikut berasuransi. Menangkap peluang tersebut, maka saat ini banyak perusahaan asuransi bermunculan dengan menawarkan banyak produk dan jenis asuransi yang kompetitif. Asuransi syariah menjadi salah satu pilihan masyarakat yang dianggap sangat diminati karena dianggap lebih baik daripada asuransi konvensional. Dalam praktiknya perusahaan asuransi tidak semuanya memahami prinsip-prinsip dasar asuransi syariah sehingga pada praktiknya tidak sesuai dengan prinsip-prinsip tersebut. Untuk itu perlu ada kajian yang lebih dalam terkait dengan teknis dan prinsip asuransi syariah yang saat ini dijalankan oleh perusahaan-perusahaan asuransi syariah. Maka perlu diketahui pula oleh para nasabah, calon nasabah dan terutama perusahaan asuransi syariah mengenai prinsip General Takaful System (GTS). Diharapkan perusahaan tersebut benar-benar menjalankan prinsip asuransi syariah sesuai dengan Al-Quran, Hadist dan Peraturan Perundang-undangan yang berlaku di Indonesia agar tercapai kesejahteraan bersama.The development of insurance industry in Indonesia is growing, it can be seen from the increasing awareness of the public to participate in insurance. Capturing these opportunities, then the current many insurance companies have sprung up to offer a lot of products and competitive insurance types. Takaful be one of the people who are considered highly desirable because it is considered better than conventional insurance. In practice, insurance companies do not all understand the basic principles of Islamic insurance so that in practice is not in accordance with these principles. For that there needs to be a deeper study related to the technical principles of Islamic insurance which is currently run by insurance companies' sharia. Then it needs to be known also by its customers, prospective customers and especially the Islamic insurance company regarding the principle of General Takaful System (GTS). It is expected that the company is actually running the principles of Islamic insurance in accordance with the Al-Qur'an, Hadist and legislations in force in Indonesia in order achieve common prosperity.

Every economic and finance institution which operates based on shariah principles have to apply the Islamic syariah values. This provision has been set by the government, either by means of act or other regulations. The further technical provision is made by Dewan Syariah Nasional- Majelis Ulama Indonesia (the National Shariah Council-Indonesia Ulama Assembly) as the guidance in the fieldwork. Asuransi Takaful Keluarga (Family Takaful Assurance) is one of assurance sectors that its operational is based on the shariah principles. The result of a study showed that the contractapplicationthat is done has fulfilled the principles and prerequirements of syariah contracts. The model of contract that is operated is standard contract by considering the syariah aspects. In addition, it also attends to the contract principles such as permition, usefulness, justice, and other principles. Not only that, the done contract also has attended as maximal as possible to the syariah business ethics, by avoiding the syariah prohibitions such as gambling, deception, and unclearness in the contracts.

Every economic and finance institution which operates based on shariah principles have to apply the Islamic syariah values. This provision has been set by the government, either by means of act or other regulations. The further technical provision is made by Dewan Syariah Nasional- Majelis Ulama Indonesia (the National Shariah Council-Indonesia Ulama Assembly) as the guidance in the fieldwork. Asuransi Takaful Keluarga (Family Takaful Assurance) is one of assurance sectors that its operational is based on the shariah principles. The result of a study showed that the contractapplicationthat is done has fulfilled the principles and prerequirements of syariah contracts. The model of contract that is operated is standard contract by considering the syariah aspects. In addition, it also attends to the contract principles such as permition, usefulness, justice, and other principles. Not only that, the done contract also has attended as maximal as possible to the syariah business ethics, by avoiding the syariah prohibitions such as gambling, deception, and unclearness in the contracts.

ABSTRAKPerkembangan asuransi berbasiskan syariah sangat perlu diiringi dengan pemahaman masyarakat terhadap perbankan syari"ah, baik mengenai akad asuransi syariah, kedudukan para pihak dalam asuransi syariah dan penyelesaian sengketa asuransi syariah agar masing-masing yang berkepentingan mendapatkan perlindungan hukum, perlindungan hukum ini diharapkan dapat memberikan nilai-nilai kebenaran, ketertiban, keadilan dan kemanfaatan kedua belah pihak.Untuk mengetahui perkembangan dan pertumbuhan asuransi berbasiskan syariah dalam konteks prinsip ekonomi syariah di Indonesia , maka perlu dilakukan penelitian tentang "ASURANSI SYARIAH DITINJAU DARI PRINSIP HUKUM EKONOMI SYARIAH (Studi Pada PT. Asuransi Takaful Umum Cabang Pontianak)".Dua permasalahan yang diangkat adalah bagaimana akad asuransi syariah pada PT. Asuransi Takaful Umum Cabang Pontianak berdasarkan Hukum Ekonomi Syariah dan bagaimana penyelesaian sengketa asuransi syariah pada PT. Asuransi Takaful Umum Cabang Pontianak.Secara khusus penelitian ini bertujuan untuk menganalisa pengaturan akad-akad asuransi syariah dan kedudukan para pihak dalam asuransi syariah yang ditinjau menurut syariat Islam, peraturan perundang-undang dan menurut hukum ekonomi syariah serta untuk mengetahui penyelesaian sengketa dalam asuransi syariah.Metode Penelitian yang digunakan adalah Metode Normatif, yaitu metode yang digunakan untuk memecahkan masalah-masalah hukum melalui data sekunder terlebih dahulu, kemudian dilanjutkan dengan mengadakan penelitian terhadap data Primer di lapangan.Dari hasil penelitian tentang pelaksanaan akad pada PT. Asuransi Takaful Umum Cabang Pontianak, bahwa akad yang digunakan telah sesuai dengan syariah Islam, peraturan perundang-undangan dan hukum ekonomi syariah.Terhadap penyelesaian sengketa, dilakukan melalui musyawarah dan arbitrase telah sesuai dengan fatwa-fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI), Peraturan Mahkamah Agung Republik Indonesia Nomor 02 Tahun 2008 tentang Kompilasi Hukum Ekonomi Syariah dan Undang-undang Nomor 3 Tahun 2006 tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1989 tentang Peradilan Agama sedangkan penyelesaian melalui Litigasi pada Kepaniteraan Pengadilan Negeri seharusnya melalui Kepaniteraan Pengadilan Agama sebagaimana ketentuan dalam Undang-undang Nomor 3 Tahun 2006 tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1989 tentang Peradilan Agama.Regulasi hukum dalam bentuk undang-undang sudah seharusnya dilakukan oleh lembaga legislatif dan eksekutif untuk memberikan landasan yang kuat dalam operasionalisasi asuransi syariah di Indonesia karena selama ini hanya menyandarkan kepada fatwa-fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) dan Peraturan Mahkamah Agung Republik Indonesia Nomor 02 Tahun 2008 tentang Kompilasi Hukum Ekonomi SyariahKata Kunci : Akad Asuransi Syariah dan Hukum Ekonomi Syariah pada PT. ASuransi Takaful Umum Cabang Pontianak.3ABSTRACTIt"s very important that the development of sharia – based insurance is followed by people"s understanding of it, not only about the contracts and the position of the parties, but also about the settlement of disputes, in order to have each party get legal protection. The legal protection is expected to provide values of truth, order, justice and benefit.To determine the development and the growth of sharia – based insurance in Islamic Economy in Indonesia, it is necessary to research on " SHARIA – BASED INSURANCE IN PERSPECTIVE OF ISLAMIC ECONOMIC LAW (Study at PT . Asuransi Takaful Umum Pontianak Branch) " .2 (two) concerns of the research are what kinds of contract provided in PT. Asuransi Takaful Umum Pontianak Branch, whether the regulating of rights and how is the way of settlement of disputes in PT. Asuransi Takaful Umum Pontianak Branch.This research is specifically aimed to analyze contract of sharia – based insurance, the position of the parties in perspective of Islamic Jurisprudence, Normative Laws and Islamic Economic Law and to recognize the way of settlement of disputes in PT. Asuransi Takaful Umum Pontianak Branch.The research method uses Normative Method, ie the method used to solve legal problems through secondary data first, then proceed to conduct primary research on the data by field research.The results of research about contract at PT. Asuransi Takaful Umum Pontianak Branch is that contracts are aplicated due to Islamic Jurisprudence, Normative Laws and Islamic Economic Law.The settlement of disputes through mediation and arbitration are applicated due to fatwa of Dewan Syariah Nasional – Majelis Ulama Indonesia (DSN-MUI), Perma Number 2 Year 2008 on The Compilation of Islamic Economic Law and Law Number 3 Year 2006 on the amandment of Law No. 7 Year 1989 on Religious Court, and the settlement of dispute trough litigation in General Court should be settle by Religious Court which is stated in Law Number 3 Year 2006 on the amandment of Law No. 7 Year 1989 on Religious Court.The implementation of activities of shari – based insurance needs laws made by Legislative and Executive to be a strong foundation not only using fatwa of Dewan Syariah Nasional – Majelis Ulama Indonesia (DSN-MUI) and Perma Number 2 Year 2008 on The Compilation of Islamic Economic Law.Keywords : Contracts of Sharia – Based Insurance and Islamic Economic Law at PT . Asuransi Takaful Umum Pontianak Branch.

Asuransi syariah (takâful) berdasar pada prinsip saling berbagi tanggung jawab. Berbagi tanggung jawab tersebut melalui premi yang dimiliki oleh masing-masing orang. Dalam prinsip hukum Islam, asuransi merupakan konsep saling membantu antara satu orang dengan yang lainnya tanpa ghurûr dan maysir. Prinsip berbagi tanggung jawab dalam asuransi syariah merupakan tolong menolong dengan dasar-dasar sistem sebagaimana telah ditentukan dalam al-Qur'an dan hadits. Asuransi syariah di Indonesia diatur bersama-sama asuransi konvensional dalam Undang-undang No. 40 Tahun 2014 tentang perasuransian. Kondisi perundang-undangan tentang asuransi syariah yang diintegrasikan dengan asuransi konvensional merupakan kondisi yang tidak ideal mengingat perbedaan-perbedaan prinsipil di antara keduanya. Penerapan asuransi syariah (takâful) tidak semata-mata membutuhkan payung hukum tetapi juga aturan yang jelas dan khas. Selain membahas kedudukan asuransi syariah dalam Undang-undang No. 40 Tahun 2014 Tentang Perasuransian, kajian ini juga membahas asuransi dalam persepktif hukum Islam.(Sharia insurance (takâful) is based on the principle of sharing responsibility. It is done through premiums owned by each party. In the Islamic law principle, insurance constitutes the concept of mutual help between one person and another without ghurûr (deceiving) and maysir (gambling). The principle of sharing responsibility in the sharia insurance is helping each other on the basis of a system as defined in the Qur'an and hadith. Sharia insurance in Indonesia as well as conventional insurance are regulated in Law No. 40/2014 on insurance. The legislation of sharia insurance which is integrated with conventional insurance can be seen as a condition that is not ideal considering the principal differences between the two. The Implementation of sharia insurance (takâful) does not merely require a legal footing but also clear and specific rules. In addition to discussing the status of takâful in the Law No. 40/2014 on insurance, this paper also discusses the insurance in the perspective of Islamic law)

Asuransi syariah (takâful) berdasar pada prinsip saling berbagi tanggung jawab. Berbagi tanggung jawab tersebut melalui premi yang dimiliki oleh masing-masing orang. Dalam prinsip hukum Islam, asuransi merupakan konsep saling membantu antara satu orang dengan yang lainnya tanpa ghurûr dan maysir. Prinsip berbagi tanggung jawab dalam asuransi syariah merupakan tolong menolong dengan dasar-dasar sistem sebagaimana telah ditentukan dalam al-Qur'an dan hadits. Asuransi syariah di Indonesia diatur bersama-sama asuransi konvensional dalam Undang-undang No. 40 Tahun 2014 tentang perasuransian. Kondisi perundang-undangan tentang asuransi syariah yang diintegrasikan dengan asuransi konvensional merupakan kondisi yang tidak ideal mengingat perbedaan-perbedaan prinsipil di antara keduanya. Penerapan asuransi syariah (takâful) tidak semata-mata membutuhkan payung hukum tetapi juga aturan yang jelas dan khas. Selain membahas kedudukan asuransi syariah dalam Undang-undang No. 40 Tahun 2014 Tentang Perasuransian, kajian ini juga membahas asuransi dalam persepktif hukum Islam.(Sharia insurance (takâful) is based on the principle of sharing responsibility. It is done through premiums owned by each party. In the Islamic law principle, insurance constitutes the concept of mutual help between one person and another without ghurûr (deceiving) and maysir (gambling). The principle of sharing responsibility in the sharia insurance is helping each other on the basis of a system as defined in the Qur'an and hadith. Sharia insurance in Indonesia as well as conventional insurance are regulated in Law No. 40/2014 on insurance. The legislation of sharia insurance which is integrated with conventional insurance can be seen as a condition that is not ideal considering the principal differences between the two. The Implementation of sharia insurance (takâful) does not merely require a legal footing but also clear and specific rules. In addition to discussing the status of takâful in the Law No. 40/2014 on insurance, this paper also discusses the insurance in the perspective of Islamic law)

Asuransi syariah (takâful) berdasar pada prinsip saling berbagi tanggung jawab. Berbagi tanggung jawab tersebut melalui premi yang dimiliki oleh masing-masing orang. Dalam prinsip hukum Islam, asuransi merupakan konsep saling membantu antara satu orang dengan yang lainnya tanpa ghurûr dan maysir. Prinsip berbagi tanggung jawab dalam asuransi syariah merupakan tolong menolong dengan dasar-dasar sistem sebagaimana telah ditentukan dalam al-Qur'an dan hadits. Asuransi syariah di Indonesia diatur bersama-sama asuransi konvensional dalam Undang-undang No. 40 Tahun 2014 tentang perasuransian. Kondisi perundang-undangan tentang asuransi syariah yang diintegrasikan dengan asuransi konvensional merupakan kondisi yang tidak ideal mengingat perbedaan-perbedaan prinsipil di antara keduanya. Penerapan asuransi syariah (takâful) tidak semata-mata membutuhkan payung hukum tetapi juga aturan yang jelas dan khas. Selain membahas kedudukan asuransi syariah dalam Undang-undang No. 40 Tahun 2014 Tentang Perasuransian, kajian ini juga membahas asuransi dalam persepktif hukum Islam.(Sharia insurance (takâful) is based on the principle of sharing responsibility. It is done through premiums owned by each party. In the Islamic law principle, insurance constitutes the concept of mutual help between one person and another without ghurûr (deceiving) and maysir (gambling). The principle of sharing responsibility in the sharia insurance is helping each other on the basis of a system as defined in the Qur'an and hadith. Sharia insurance in Indonesia as well as conventional insurance are regulated in Law No. 40/2014 on insurance. The legislation of sharia insurance which is integrated with conventional insurance can be seen as a condition that is not ideal considering the principal differences between the two. The Implementation of sharia insurance (takâful) does not merely require a legal footing but also clear and specific rules. In addition to discussing the status of takâful in the Law No. 40/2014 on insurance, this paper also discusses the insurance in the perspective of Islamic law)

This study aims to identify problems, solutions and strategies in decision making of fintech innovation insurance, with the approach method is Analytic Network Process (ANP). The data collections which are depth interview and questionnaire were collected from the respondent. The results showed that the priority issues faced in fintech innovation insurance are human aspect which consists of human resource lacks and regulatory challenges; product aspect which consists of product penetration and asset market penetration fractional shari'ah. Solutions which are needed in fintech innovation insurance are aspect human which consists of resource and regulation minimalism; product aspect which consists of product research and product innovation. Strategies in fintech innovation insurance are socialization, education, cooperation and digital marketing. Socialization gives the most influence on fintech innovation insurance to introduce fintech in facing digital era. Education needs to be held periodically as well as in the process of fintech to get the assistance of the Otoritas Jasa Keuangan (OJK) as a regulatory to comply with the government policy. It needs the cooperation among companies from being charged business model with the existence of promos for insurance participants or potential participants so that people recognize and be interested, invite to all society levels of the insurance importance in life to reduce any risk that might occur and to invite all people participating in fintech innovation.Keywords: Analytic Network Process, islamic insurance, fintech

Lately turmoil insurance business began to squirm. The amount of reward for the insurance agent is one indication start growth and development of the insurance business. No exception is also rising cases of failure to pay an insurance company to the client. In Indonesia, there are two types of insurance, namely Takaful and conventional insurance. Venturing knowledge about Islamic insurance more easily since it will be life or animated about the background and origins of our clients. Development of insurance was not initially present but at that time still in a disguised form what namely that there is generally derived from human instincts who'd always tried to save themselves and the soul of a variety of threats, including the threat of malnutrition / pagan. Advances in technology and information as well as the majority of the population of our country Islam is a great opportunity and a vast market open for Takaful products and how the integration of brand and communication value in increasing market share.Insurance history in Indonesia entered the Dutch colonial period is due to the success of the Dutch nation in the plantation sector and trade for the survival of their business, then the Dutch government made a very absolute and insurance business needed. Branch of insurance companies are in all of the colony with its head office in the Netherlands and English wear monopoly system in place so that the time was not yet known by the indigenous type of insurance that existed at the time of life and fire.

Impact of green house gases is damage to environment, one result of that has been felt with increasing temperature of the earth surface that could eventually lead to extreme climate change. Climate change is expected to have an impact on agriculture production throughout the world. Government have to serve program to assure agriculture production. Shariah assurance of agriculture as social care movement without uncertainly, debt, gambling, and bank interest. Ministry of agriculture has released regulation Nomor 40 Tahun 2015, on this regulation was arranged types and facility agriculture assurance will protect farmers from losses profit because failed in harvesting because disaster act of god, diseases, and climate extreme change. In these regulation, any word containing shariah point, we do hope agriculture assurance can be operated in form shariah skim.

ABSTRAKIndikasi Riba" diketahui lewat perhitungan premi dengan ditemukan adanyapraktek pembulatan harga ditinjau dari perhitungan premi yang ditentukan olehperusahaan asuransi dijumlahkan dengan harga pertanggungan aset nasabah.Gharar diketahui pada saat perusahaan konvensional berkenan untuk menggunakanjasa perusahaan asuransi syariah meng-cover aset mereka. Dana yangdipergunakan untuk membayar premi dan asal-usul harta yang digunakan pada saatpembelian aset oleh nasabah harus ditelisik secara rinci supaya menjaga kehalalandalam menjalankan bisnis asuransi syariah. Apabila suatu waktu ditemukan buktibuktiadanya kerusakan dalam akad dimana klausula syariah menjadi patokanutama, maka pada waktu itu pula pertanggungan aset tersebut di-close olehperusahaan asuransi syariah. Terkait Maysir (perjudian) indikasinya melalui klaimyang disetujui untuk ditangani dan yang tidak berdasarkan moral hazard danphysical hazard.Diperlukan adanya solusi atas permasalahan tersebut oleh pihak DSN-MUIbekerjasama dengan Organisasi Masyarakat (Ormas) berbasis agama Islam untukmengarahkan sesuai menurut syariat Islam sekaligus memberikan pencerahan2kepada masyarakat Indonesia khususnya umat Islam bahwa benar asuransi syariahadalah cabang ekonomi berbasis syariah mengedepankan kemaslahatan bagi setiappelaku kegiatannya serta adanya perlindungan secara yuridis oleh pemerintahkhususnya di Indonesia tentang pendirian dan tumbuh-kembangnya asuransisyariah di Indonesia secara khusus diatur dalam perundang-undangan.Kata kunci : Fatwa DSN-MUI, Peraturan Asuransi di Indonesia dan KegiatanAsuransi Syariah pada PT Asuransi Takaful Umum CabangPontianak, PT Jasindo Syariah Cabang Pontianak dan PT AskridaSyariah Cabang PontianakABSTRACTRiba indication 'known through the premium calculation found the practice ofrounding off prices in terms of the calculation of the premium is determined by theinsurance company summed with the insured client assets. Gharar known at thetime of conventional companies deign to use the services of Islamic insurancecompanies to cover their assets. Funds are used to pay the premium and the originof the treasure that is used at the time of the asset purchase by the customer mustbe examined in detail in order to keep halal in running the sharia insurance business.If a time found evidence of damage in the contract clause where sharia become themain criterion, then at the time the asset is also insured in-close by Islamic insurancecompanies. Related Maysir (gambling) approved indications through claims to behandled and are not based on moral hazard and physical hazard.There needs to be a solution to these problems by the DSN-MUI incollaboration with Civil Society Organizations (CSOs) based on the Islamicreligion to direct the appropriate according to Islamic law while providing3enlightenment to the people of Indonesia, especially the Muslims that the rightTakaful is a Shariah-based branches of the economy puts the benefit for eachoffender activities as well as the juridical protection by the government,especially in Indonesia on the establishment and flowering of Islamicinsurance in Indonesia specifically addressed in legislation.Keywords : Fatwa DSN-MUI, Indonesia's Insurance Regulatory and Takafulactivities at PT Asuransi Takaful Umum Branch of Pontianak,Pontianak PT Jasindo Syariah Branch and PT Askrida SyariahBranch Pontianak

Abstrak;Perkembangan, Pelembagaan dan legalisasi ekonomi Syariah di Indonesia dapat dikatakan sangat pesat setelah mendapat dukungan pemerintah dalam bentuk regulasi ekonomi yang berprinsipkan pada prinsip-prinsip ekonomi syariah. Perkembangan pesat tersebut dapat terlihat dalam berbagai bidang ekonomi yang menerapkan sistem ekonomi syariah, seperti perbankan Syariah, asuransi Syariah, sukuk (Obligasi syariah), pasar modal Syariah, keuangan publik, dan lain-lain. Fakta berbeda perkembangan dan pertumbuhan praktik ekonomi syariah dapat dilihat dalam kurun waktu di mana pemerintah belum berpihak pada ekonomi syariah, yaitu sebelum reformasi. Realitas yang demikian, memberikan harapan besar yang menumbuhkan optimisme bagi umat Islam untuk terus berupaya mengembangkan ekonomi syariah di Indonesia, terlebih lagi dukungan pemerintah yang diwujudkan dalam berbagai regulasi dan political will semakin nyata mendukung pengembangan ekonomi syariah di Indonesia. Diharapkan penerapan politik ekonomi syariah yang lebih luas akan mempercepat terwujudnya tatanan ekonomi yang berkeadilan dan menyejahterakan di bumi nusantara. Sehingga apa yang dicita- citakan oleh para pendiri bangsa bisa terwujud

In connection with the Decisions and Recommendations of the Ulama 'MUI Fatwa Commission in Indonesia concerning the Implementation of National Health Insurance by BPJS Health agreed to clarify the illegitimate issues that developed in the community and that the government establish rules, systems, and format the modus operandi of BPJS Health in accordance with the principles sharia. Based on these considerations it is necessary to stipulate a fatwa on the Guidelines for the Implementation of Health Social Security in accordance with Islamic Sharia to be used as a guideline. So on December 22, 2015, the National Sharia Council of the Indonesian Ulema Council decided and established the DSN-MUI Fatwa No.98 / DSN-MUI / XII / 2015 concerning Guidelines for Implementing Sharia Health Social Security. The method applied in this qualitative research is descriptive method, which is research intended to investigate the conditions, conditions or other things that have been mentioned, the results of which are presented in the form of research reports, the data of which is obtained through interviews, documentation, and literature studies. The implementation of health insurance coverage at BPJS Health Bandung both in terms of membership, registration, fees, services, and the mechanism for payment of fines is carried out properly and in accordance with the existing legislation. However, it is not in accordance with the provisions in the DSN-MUI Fatwa No.98 / DSN-MUI / XII / 2015 concerning Guidelines for Sharia Health Social Security Implementation because it has not fulfilled all the elements of its contract, does not have a Social Security Fund holding account in Islamic banks, earns income from interest, the development and placement paths of DJS are not clear and the investment is not in a place that is in accordance with sharia.

Insurance business can be distinguished on some reviews. It includes generalinsurances, life insurances and reinsurances (on the basis of its function).Based on its basic policy, it includes term life insurances, whole life insurances,two beneficial insurances, insurances of investment unit (unit linked). Basedon its belongings, it includes national private-owned insurances, state-ownedinsurances, foreign corporations-owned insurances, and multiplicity-ownedinsurances. Based on the nature of its implementation, it includes voluntaryand compulsory insurances. Based on the business support activities, it includesinsurance brokers, reinsurance brokers, insurance loss assessor, consultingactuary, and insurance agents. Mean while, mechanisms of Takaful (shari'ainsurances) include underwriting, insurance policies, premiums, managementof premiums, claims and insurance coverage. The main obstacles to developshari'a insurance are lack of socialization, limitation of human resources ofTakaful's expert; lack of Muslim support, weakness of government support.Keywords: Insurance, Shari'a, BPJS.IAIN Tulungagung, Jl. Mayor Sujadi Timur No. 46Email:budikolistiawan@gmail.com