Jurnal Kanun

Just another WordPress site

Akta Perkhidmatan Kewangan Islam 2013:

Tinjauan Awal Kesannya dalam Industri Takaful

(Islamic Financial Services Act 2013: A Preliminary Review on Its Impacts to Takaful Industry)

Mohamed Hadi bin Abd Hamid

mhadi.ah @etiqa.com.my

Divisyen Shariah, Aras 11B, Etiqa Takaful Berhad,

Dataran Maybank, No. 1, Jalan Maarof,

59000 Kuala Lumpur, MALAYSIA

Tel.: +603-2785 5643.

Rusni Hassan

hrusni@iium.edu.my

Kulliyyah Undang-undang Ahmad Ibrahim,

Universiti Islam Antarabangsa Malaysia,

Kuala Lumpur, MALAYSIA.

Abstrak

Akta Perkhidmatan Kewangan Islam 2013 yang berkuat kuasa mulai 30 Jun 2013 telah memansuhkan Akta Takaful 1984 yang menjadi tunjang industri takaful Malaysia selama ini. Akta baharu ini bertujuan menggalakkan kestabilan kewangan dan pematuhan syariah seperti yang diharapkan oleh masyarakat selaku pengguna produk patuh syariah. Penguatkuasaan akta baharu ini sudah tentunya memberikan  pelbagai impak terhadap industri takaful. Berdasarkan latar belakang ini, makalah ini akan menganalisis kesan yang timbul dengan kemunculan akta baharu ini. Berdasarkan peruntukan di bawah akta baharu, industri takaful berdepan dengan pelbagai cabaran untuk memastikan kehendak undang-undang dapat dipatuhi selaras dengan tuntutan patuh syariah dalam operasi dan aktiviti pengendalian takaful.

Kata kunci: takaful, syariah, Akta Perkhidmatan Kewangan Islam 2013, hibah bersyarat

Abstract

Islamic Financial Services Act 2013 (IFSA) has come into force on 30 June 2013 and it repeals the previous Takaful Act 1984 which has been the backbone of takaful industry for almost thirty years. IFSA aims to promote financial stability and compliance with shariah, in line with the expectation of public as consumers and subscribers of shariah compliant products. The enforcement of IFSA brings various impacts to takaful industry. In light of this background, this article attempts to analyse the salient impacts of IFSA to takaful industry. Based on the provisions of IFSA, takaful industry is currently facing with many challenges to ensure the statutory requirements are met without neglecting the shariah compliant aspect of the operations and activities of takaful operators.

Keywords: takaful, shariah, Islamic Financial Services Act 2013, conditional hibah

RUJUKAN

Akta Perkhidmatan Kewangan Islam 2013.

Akta Takaful 1984.

Syed Othman Alhabshi, et al., 2012. Takaful: Realities & Challenges. Kuala Lumpur. Pearson Malaysia.

Dictionary of Finance and Investment Terms, 2010. Eight edition, New York: Barron’s Educational Series Inc.

Resolusi Syariah dalam Kewangan Islam, 2010. Edisi Kedua. Kuala Lumpur: Bank Negara Malaysia.

Mohammad Hashim Kamali, 2009. Principles of Islamic Jurisprudence. Second Revised Edition. Subang Jaya: Ilmiah Publishers.

Kamus Undang-Undang, 1995. Shah Alam: Oxford Fajar Sdn Bhd

Nurdianawati Irwani Abdullah dan Nazliatul Aniza Abdul Aziz, “Case Studies of the Practice of Nomination and Hibah by Malaysian Takaful Operators” dlm.ISRA International Journal of Islamic Finance 2:67, 2010.

(Teks Penuh)

Hantar Maklum Balas Anda