Some Issues of Gharar (Uncertainty) in Insurance
List of Authors

Keyword
  • Insurance, Islamic Laws, Uncertainty in finance

Abstract
  • Pelbagai isu telah ditimbulkan mengenai kehadiran gharar dalam kontrak insuran, khususnya berkenaan kesahihan wang pampasan sebagai salah satu objek tukaran serta unsur risiko tulen yang menjadikan kehadiran gharar tersebut di luar kawalan man usia. Kajian ini cuba menganalisa kembali isu-isu tersebut dan cuba mengenal pasti punca perselisihan. Dari sini kajian akan cuba memberikan justifikasi terhadap kehadiran gharar dalam akad insuran iaitu sama ada ianya memberi kesan syar'i terhadap kontrak tersebut atau ia hanyalah unsur yang boleh diketepikan. Kajian ini membuktikan bahawa kehadiran gharar di dalam kontrak insuran adalah signifikan sebagaimana yang diperkatakan oleh sebahagan besar penulisan dalam bidang ini. Dengan ini menjadikan gharar satu daripada faktor yang menyebabkan kontrak insuran konvensional diharamkan.

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