An Evaluation on the Relationship between Takaful (Participation Insurance) and Zakat in Islamic Law and Its Reflections to Today

Yusuf Şen

Makale detayları

An Evaluation on the Relationship between Takaful (Participation Insurance) and Zakat in Islamic Law and Its Reflections to Today

Yazarlar:

Yusuf Şen

Yayıncı:

Adıyaman University

Ana Başlıklar:

Din | Toplum ve Kültür Araştırmaları

Dergi:

İslami İlimler Araştırmaları Dergisi Issue 13, pp.56-74

Belge Tipi:

Makale

Yayın Tarihi:

6/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001294982

pISSN:

2587-1757

Anahtar kelimeler:

Özet:

 Human life is becoming more complex and full of dangers day by day. It is a need to take precautions by helping each other in the face of dangers. In this study, it is aimed to determine the contribution of the developing and changing insurance concept to the economy. Because the excess consumption, which is a return of the age, and on the contrary, the inadequacy of production cause the increase in inflation and expensiveness, and the decrease in employment and investment at the same rate. At this point, the insurance sector is in the position of the seat belt of the society, and they take precautions by detecting the dangers that individuals may encounter with their experience and knowledge. These dangers are called risks in insurance. When such risks occur, the insurance company undertakes to cover the losses of individuals at rates varying from institution to institution. As the number of insured increases, premiums increase at the member rate and accumulate in a certain fund. This accumulated fund is used for investment purposes. In the economy, investment means production, production means employment, employment means low inflation and ultimately prosperity. In our study, first of all, the concept of insurance and the subjects covered by insurance are discussed. The macro and micro effects of Takaful, which is the equivalent of participation insurance in Islamic law, on the markets have been determined.

 Human life is becoming more complex and full of dangers day by day. It is a need to take precautions by helping each other in the face of dangers. In this study, it is aimed to determine the contribution of the developing and changing insurance concept to the economy. Because the excess consumption, which is a return of the age, and on the contrary, the inadequacy of production cause the increase in inflation and expensiveness, and the decrease in employment and investment at the same rate. At this point, the insurance sector is in the position of the seat belt of the society, and they take precautions by detecting the dangers that individuals may encounter with their experience and knowledge. These dangers are called risks in insurance. When such risks occur, the insurance company undertakes to cover the losses of individuals at rates varying from institution to institution. As the number of insured increases, premiums increase at the member rate and accumulate in a certain fund. This accumulated fund is used for investment purposes. In the economy, investment means production, production means employment, employment means low inflation and ultimately prosperity. In our study, first of all, the concept of insurance and the subjects covered by insurance are discussed. The macro and micro effects of Takaful, which is the equivalent of participation insurance in Islamic law, on the markets have been determined.

 Human life is becoming more complex and full of dangers day by day. It is a need to take precautions by helping each other in the face of dangers. In this study, it is aimed to determine the contribution of the developing and changing insurance concept to the economy. Because the excess consumption, which is a return of the age, and on the contrary, the inadequacy of production cause the increase in inflation and expensiveness, and the decrease in employment and investment at the same rate. At this point, the insurance sector is in the position of the seat belt of the society, and they take precautions by detecting the dangers that individuals may encounter with their experience and knowledge. These dangers are called risks in insurance. When such risks occur, the insurance company undertakes to cover the losses of individuals at rates varying from institution to institution. As the number of insured increases, premiums increase at the member rate and accumulate in a certain fund. This accumulated fund is used for investment purposes. In the economy, investment means production, production means employment, employment means low inflation and ultimately prosperity. In our study, first of all, the concept of insurance and the subjects covered by insurance are discussed. The macro and micro effects of Takaful, which is the equivalent of participation insurance in Islamic law, on the markets have been determined.

 İnsan hayatı her geçen gün karmaşık hale gelmekte ve tehlikelerle doludur. Tehlikeler karşısında yardımlaşarak tedbir almak bir ihtiyaçtır. Bu ihtiyaca binaen gelişen ve değişen sigortacılık uygulamasının ekonomiye katkısını bu çalışma ile tespit etmek amaçlanmıştır. Zira çağın bir getirisi olan tüketim fazlalığı ve bunun aksine üretimin yetersizliği enflasyonun ve pahalılığın artmasına aynı oranda istihdamın ve yatırımın azalmasına sebebiyet vermektedir. Sigortacılık sektörü, bu noktada toplumun emniyet kemeri konumunda olup, şahısların karşılaşabilecekleri tehlikeleri deneyim ve bilgi birikimleri ile tespit ederek önlem almaktadırlar. Bu tehlikeler sigortacılıkta riziko olarak isimlendirilmektedir. Söz konusu rizikolar meydana geldiğinde ise sigorta şirketi kurumdan kuruma değişen oranlarla şahısların zararını karşılamayı taahhüt etmektedir. Sigortalı sayısı arttıkça üye oranında primlerde artış göstermekte ve belli bir fonda birikmektedir. Biriken bu fon yatırım maksatlı olarak değerlendirilmektedir. Ekonomide yatırım demek; üretim, istihdam, düşük enflasyon ve neticede refah demektir. Makalemizde öncelikle sigorta kavramının ortaya çıkışı ve unsurları ele alınmıştır. Katılım sigortacılığının İslâm hukukundaki karşılığı olan tekâfülün zekâtla ilişkisi, günümüz ekonomisine makro ve mikro etkileri tespit edilmiştir.

Makale detayları

An Evaluation on the Relationship between Takaful (Participation Insurance) and Zakat in Islamic Law and Its Reflections to Today

Yazarlar:

Yusuf Şen

Yayıncı:

Adıyaman University

Ana Başlıklar:

Din | Toplum ve Kültür Araştırmaları

Dergi:

İslami İlimler Araştırmaları Dergisi Issue 13, pp.56-74

Belge Tipi:

Makale

Yayın Tarihi:

6/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001294982

pISSN:

2587-1757

Islamic Law

Insurance

Takaful

Zakat

Market

Risk.İslam Hukuku

Sigorta

Tekâfül

Zekât

Piyasa

Risk

Sayı

Makale detayları

Yazarlar: Yusuf Şen

Yayıncı: Adıyaman University

Ana Başlıklar: Din | Toplum ve Kültür Araştırmaları

Dergi: İslami İlimler Araştırmaları Dergisi Issue 13, pp.56-74

Belge Tipi: Makale

Yayın Tarihi: 6/2023

Belge Dili: Türkçe

Document ID (Org No.): 2001294982

pISSN: 2587-1757

Sayı

Yazarlar:

Yusuf Şen

Yayıncı:

Adıyaman University

Ana Başlıklar:

Din | Toplum ve Kültür Araştırmaları

Dergi:

İslami İlimler Araştırmaları Dergisi Issue 13, pp.56-74

Belge Tipi:

Makale

Yayın Tarihi:

6/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001294982

pISSN:

2587-1757