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Pru Sharia is a program of PT Prudential Life Assurance ( Prudential Indonesia ) which uses the principles of sharia . This program was launched by Prudential Indonesia in 2007 , as a solution will need protection products ( insurance ) as well as investments in accordance with the principles of Shariah .
Principles of Islamic Pru
A. Tabbaru
Is the basic concept of Islamic insurance . MUI National Sharia Council establishes that the contract Tabarru 'is a contract that must be attached to all insurance products . Akad Tabarru ' in all forms of insurance contract is made between the participants policyholders . Akad Tabarru ' on insurance is an agreement made in the form of grants with the aim of virtue and mutual help among the participants , not for commercial purposes .
In Tabarru contract ' , participants provide grants that will be used to help participants or other participants who suffered . Individual participants is the party entitled to receive funds tabarru ( mu'amman / mutabarra ' lahu ) and collectively as the person ( mu'ammin / mutabarri ' ) . The insurance company acts as the manager of the grant , on the basis of contract Wakalah of the participants in addition to investment management . '
If there is a surplus of funds tabarru underwriting ' , then the funds will be deposited in part as a reserve fund ( 30 % ) and the remainder is distributed to the insurance company as a manager ( 14 % ) and the remainder ( 56 % ) were distributed to the participants ( who are eligible , ie who do not make an insurance claim for the period ) as surplus sharing. If the underwriting deficit of funds tabarru ' ( deficit tabarru ' ) , the Prudential overcome these deficiencies in the form Qardh ( loan ) . Qardh refund to the company aside from funds tabarru .
The principle is in accordance with the contract tabbaru
National Sharia Board fatwa NO : 53 / DSN - MUI / III / 2006 .
B. Takaful
Takaful means to bear ( risk sharing ) that if one of the participants affected , the other participants together will bear the risk of the participant, which in this case is done through funds collected tabbaru .
C. Halal
Funds collected ( tabbaru funds ) managed by the company in investment instruments such as kosher only in stocks Jakarta Islamic Index group , Islamic Bonds ( Sukuk ) and others .
Prudential Indonesia
Established in 1995 , PT Prudential Life Assurance ( Prudential Indonesia ) is part of Prudential plc , London , England . In Asia , Prudential Indonesia have its main office in the regional office of Prudential Corporation Asia ( PCA ) , which is based in Hong Kong which manages assets of more than £ 245 billion ( USD 4,115 million) as of 30 June 2009. By combining Prudential's global experience in life insurance with knowledge procedures for local businesses , Prudential Indonesia is committed to develop its business in Indonesia .
Prudential Indonesia is a market leader in the sale of life insurance products associated with investment ( unit -linked) in 1999. As the market leader , Prudential Indonesia will always strive to provide unit-linked products are designed to meet and fulfill the needs of its customers , in every stage of life , start of working age , marriage , birth of a child , the child's education , and retirement .
Prudential Indonesia Sharia Unit
Since September 2007 , Prudential Indonesia launched a Shariah -based unit-linked products , namely PRUlink Sharia . Although only launched in 2007 , Islamic unit prudential able to obtain remarkable achievements , including :
Islamic Financial Award & Cup 2009 , for the top ranking in the category of Life Insurance Sharia Branch Most Good Risk Management and Life Insurance category Sharia Branch Most Expansive .
Special award from Investor Magazine in the " Best Syariah 2009" . Special awards were given for the performance of Prudential who was able to record the largest sharia premium growth in a short time .
Principles of Islamic Pru
A. Tabbaru
Is the basic concept of Islamic insurance . MUI National Sharia Council establishes that the contract Tabarru 'is a contract that must be attached to all insurance products . Akad Tabarru ' in all forms of insurance contract is made between the participants policyholders . Akad Tabarru ' on insurance is an agreement made in the form of grants with the aim of virtue and mutual help among the participants , not for commercial purposes .
In Tabarru contract ' , participants provide grants that will be used to help participants or other participants who suffered . Individual participants is the party entitled to receive funds tabarru ( mu'amman / mutabarra ' lahu ) and collectively as the person ( mu'ammin / mutabarri ' ) . The insurance company acts as the manager of the grant , on the basis of contract Wakalah of the participants in addition to investment management . '
If there is a surplus of funds tabarru underwriting ' , then the funds will be deposited in part as a reserve fund ( 30 % ) and the remainder is distributed to the insurance company as a manager ( 14 % ) and the remainder ( 56 % ) were distributed to the participants ( who are eligible , ie who do not make an insurance claim for the period ) as surplus sharing. If the underwriting deficit of funds tabarru ' ( deficit tabarru ' ) , the Prudential overcome these deficiencies in the form Qardh ( loan ) . Qardh refund to the company aside from funds tabarru .
The principle is in accordance with the contract tabbaru
National Sharia Board fatwa NO : 53 / DSN - MUI / III / 2006 .
B. Takaful
Takaful means to bear ( risk sharing ) that if one of the participants affected , the other participants together will bear the risk of the participant, which in this case is done through funds collected tabbaru .
C. Halal
Funds collected ( tabbaru funds ) managed by the company in investment instruments such as kosher only in stocks Jakarta Islamic Index group , Islamic Bonds ( Sukuk ) and others .
Prudential Indonesia
Established in 1995 , PT Prudential Life Assurance ( Prudential Indonesia ) is part of Prudential plc , London , England . In Asia , Prudential Indonesia have its main office in the regional office of Prudential Corporation Asia ( PCA ) , which is based in Hong Kong which manages assets of more than £ 245 billion ( USD 4,115 million) as of 30 June 2009. By combining Prudential's global experience in life insurance with knowledge procedures for local businesses , Prudential Indonesia is committed to develop its business in Indonesia .
Prudential Indonesia is a market leader in the sale of life insurance products associated with investment ( unit -linked) in 1999. As the market leader , Prudential Indonesia will always strive to provide unit-linked products are designed to meet and fulfill the needs of its customers , in every stage of life , start of working age , marriage , birth of a child , the child's education , and retirement .
Prudential Indonesia Sharia Unit
Since September 2007 , Prudential Indonesia launched a Shariah -based unit-linked products , namely PRUlink Sharia . Although only launched in 2007 , Islamic unit prudential able to obtain remarkable achievements , including :
Islamic Financial Award & Cup 2009 , for the top ranking in the category of Life Insurance Sharia Branch Most Good Risk Management and Life Insurance category Sharia Branch Most Expansive .
Special award from Investor Magazine in the " Best Syariah 2009" . Special awards were given for the performance of Prudential who was able to record the largest sharia premium growth in a short time .
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