Anas Syafaat

SURETY BOND is a two-party agreement between Insurance (Surety) and contractor (Principal), where the first party (surety) provides a guarantee to the second party (Principal) for the benefit of a third party (Obligee / Owner) that if the Principal is Default or due to something things that are negligent or fail to carry out their obligations in accordance with the agreement with Obligee, then Surety will be responsible for the Obligee to settle the Principal obligations. The Surety Bond business in Indonesia has only been introduced since 1980 on government policy with the aim of helping weak economic entrepreneurs to participate in development, especially in projects funded by APBD / APBN and foreign aid. In its implementation, the government stipulates granting permits to Non-Bank Financial Institutions to issue guarantees in the form of Surety Bond as an alternative to Bank Guarantee issued by the Bank. Next we submit, a brief explanation of the definition and types of Surety Bond,

Insurance by a number of people is said to contain haram and usury. Including sharia insurance which in its business operations has run according to the Shari'a. Sharia Economic Observers M Syakir Sula explained in Indonesia there are still people who call Islamic insurance still unclean. "Let alone the conventional ones are said to be haram, the sharia is the same," said Syakir in a Prudential Sharia discussion for All, in Jakarta, Wednesday (03/07/2018). He explained, the circles only used references that were 'old school' so that they did not experience changes. "So is the statement of Islamic insurance unclean? They just want to listen to the previous references do not want to read the latest references from modern scholars," he added. Syakir explained the concept of Islamic insurance consisting of a group of people who want to help each other, protect each other, guarantee and cooperate with the issuance of Tabarru funds. Tabarru Fund is a collectio

Sharia Insurance is insurance based on sharia principles with help-to-help efforts (ta'awuni) and mutual protection (takafuli) among Participants through the formation of a pool of funds (Tabarru 'Fund) which is managed according to sharia principles to face certain risks. Here are some definitions in Islamic insurance as follows: A contract is a written agreement that contains certain agreements, including the rights and obligations of the parties in accordance with sharia principles. Akad Tabarru 'is a grant agreement in the form of granting funds from one Participant to the Tabarru Fund' for the purpose of help between the Participants, which is not for commercial purposes. Akad Wakalah bil Ujrah is a Tijarah Contract which authorizes the Company as a Participant's representative to manage the Tabarru 'Fund and / or Participant Investment Fund, according to the power or authority given, in return for a ujrah (fee). Mudharabah Agreement is a contract to provid

Marine cargo insurance is better known as freight insurance, this insurance provides risk insurance for goods through a means of transportation / means of transportation both land, air and sea. Talking about marine cargo insurance, then we cannot be separated from the linkages of parties in a trading system, both local and international trading systems. These parties include: Buyer / Importer : The party who buys the goods. Seller     : Party that sells goods. Bank      : Those who give credit. Shipping Co : Shipping parties that provide ships as a means of sea transportation. EMKL : The party providing land transportation services to be loaded on board. Freight Forwarding : Export / import management services for the insured (exporter / importer). PBM : The loading and unloading company, the party that serves the loading and unloading of goods from the ship to the land or vice versa. Customs : The party that manages port customs that works on behalf of the government. There are

Asuransi Central Asia (ACA) ACA was established in 1956 long before other insurance companies were established. No wonder ACA insurance is currently one of the market leaders, including in the field of car insurance. Want to know how much the ACA car insurance premium costs for your car? Enter your car details below: The car insurance products offered by ACA are Vehicle Insurance (Standard and Automation). Vehicle Insurance (Standard and Automation) ACA Insurance standard vehicle insurance covers insurance for two and four wheeled vehicles. The protection offered is to guarantee costs: Collision, collision, upside down, slip, slip Evil deeds Theft Fire Damage during crossing Crane fees 3rd party compensation Sum Insured (UP) and premium Example: A Toyota Kijang GA / T Gasoline costs 262,900,000, what is the premium to be paid by the client if he chooses comprehensive protection? Just multiply 2.00% with 262,900,000 = 5,258,000 per year. For more complete protection, clients can conside

Asuransi Sinar Mas is one of the insurance companies in Indonesia. The company was founded in 1985 with the initial name PT Sinar Mas Dipta Insurance Loss which was changed in 1991 to become the Sinar Mas Insurance Company. Want to know how much the Sinar Mas car insurance premium costs for your car? Enter your car details below: Simas Mobil is the name of a car insurance product offered by Sinar Mas Insurance company. This product offers very complete protection. Why is it complete? Because by paying the specified premium, insurers will not only get all-risk protection and Total Loss Only, but also expand. The following details: All risk To be able to get this protection, the maximum age of the vehicle is 10 years. Total Loss Only (total damage / minimum 75% caused by falling objects, fire, collision, traffic accident, theft, or collision). The maximum age of a car for this protection is 20 years. Extensive protection consisting of: Personal accident (50,000,000) Treatment (1000,000)

A claim is an attempt by the policyholder to ask for compensation from an insurance company due to an accident or theft of the insured car. What is the procedure for filing claims that must be made by the policy holder? Contact an insurance company If your car has an accident or stolen, the first thing you have to do is to contact the insurance company within 3 x 24 hours (via telephone, SMS, via email, or directly to the company). This is to avoid rejection of your car insurance claim because the reason passes from a predetermined period of time. Provide photo evidence When you have an accident and the car can still walk, you should take the car to one of the insurance company's partner workshops. If your car is severely damaged, you should take a photo or document it first. This photo will be proof that it really did have an accident. Filling in form You also have to fill out a form provided by the insurance company. This form is one of the completeness documents for the success

BENEFITS OF INSURANCE Someone follows insurance, of course because there are benefits that will be received. Actually insurance in terms of insurance has very many benefits, ranging from general or general benefits and also more specific benefits. In general, all insurance in terms of insurance can provide benefits which of course can be felt by all customers. In particular, insurance in terms of insurance can provide benefits that can only be felt if we follow certain types of insurance. For example, someone who chooses to participate in health insurance will certainly feel the benefits that are different from those who take home fire insurance. The following are general insurance benefits in terms of insurance that can be obtained by people who take insurance: 1. Giving a sense of security Undeniably, the guarantees provided by insurance certainly provide a sense of security for those who follow it. According to the understanding of insurance, various risks in life can certainly give

TERMS IN UNDERSTANDING INSURANCE In terms of insurance, there are several terms that are often confusing for new people in the world of insurance. The following are terms in terms of insurance that are important to be known by insurance users so as not to experience difficulties when transacting and claiming insurance that they follow. 1. Insurance Policy An insurance policy is an agreement letter containing an insurance agreement between the insurer and the policy holder. In terms of insurance, everything written in an insurance policy must be carefully considered and understood by both parties. This insurance policy in the sense of insurance is what will later be used as a basis for transactions and insurance claims. 2. Applicant The applicant or applicant is the person applying for an insurance. When the insurance submitted by the applicant has been approved, then according to the understanding the insurance status of the applicant will change to the policy holder. 3. Policy Holder

UNDERSTANDING INSURANCE Impossible is nothing! There are no events that are impossible to happen in this life, including things that have the potential to harm us. Examples are accidents, natural disasters, or even death. To reduce losses from unexpected events, we must be very clever about this. One of the most appropriate steps for this problem is to invest in insurance. Understanding insurance when viewed from the origin of the word, namely from English language insurance, the understanding of insurance is coverage. According to the Big Indonesian Dictionary, the definition of insurance is coverage or agreement between two parties. The first party is obliged to pay contributions, while the second party is obliged to provide full guarantee to the fee payer if something happens to him or the property of the first party in accordance with the agreement made. Based on the understanding of insurance, there are many things that can be insured. Starting from objects and services, human hea

Insurance has several types of Sharia Gneral Insurance products as follows: 1) Sharia Property Assets Insurance Insurance that provides compensation to the Insured for damage or loss of insured property caused by fire, lightning strikes, explosions, falling aircraft, and smoke from the fire of the insured property. Property insurance includes fire insurance and extended collateral (earthquakes, storms, floods, typhoons, etc.) and also guarantees for losses as a result of business interruption caused by fires. Types of property insurance: • Indonesian Fire Insurance Standard Policy (PSAKI) • Indonesian Earthquake Standard Policy (PSGBI) • Property All Risks (PAR) or Industrial All Risks (IAR) 2) Sharia Engineering Insurance Engineering Insurance is a form of insurance that provides coverage for the risk of loss or damage to the insured object (usually related to construction; material; equipment or machinery) during the construction or installation of machinery against any risk of unexp

Sharia Insurance is insurance based on sharia principles with help-to-help efforts (ta'awuni) and mutual protection (takafuli) among Participants through the formation of a pool of funds (Tabarru 'Fund) which is managed according to sharia principles to face certain risks. Here are some definitions in Islamic insurance as follows: A contract is a written agreement that contains certain agreements, including the rights and obligations of the parties in accordance with sharia principles. Akad Tabarru 'is a grant agreement in the form of granting funds from one Participant to the Tabarru Fund' for the purpose of help between the Participants, which is not for commercial purposes. Akad Wakalah bil Ujrah is a Tijarah Contract which authorizes the Company as a Participant's representative to manage the Tabarru 'Fund and / or Participant Investment Fund, according to the power or authority given, in return for a ujrah (fee). Mudharabah Agreement is a contract to provid

Vehicle Insurance is a type of vehicle- specific insurance , where the risk that is likely to occur in a vehicle is transferred to an insurance company . In choosing vehicle insurance, the things that pay attention are financial strength (security), services (service) and costs or expenses. Types of Vehicle Insurance Car insurance Motorcycle Insurance Type of Protection Comprehensive Compensation guarantee / repair costs for loss / damage in part or in whole to the vehicle due to falling objects, fire , bad deeds, theft , seizure, collision, collision or other traffic accident . (referring to PSAKBI). (Max. 8 years old) Total Loss Only (TLO) Compensation guarantee for loss / total damage to the vehicle due to falling objects, fire, bad deeds, theft, seizure, collision, collision or other traffic accident . (referring to PSAKBI) (Maximum age 15 years) Do you have enough funds to repair your car in the event of a collision? Are you ready to buy a replacement car if your car is lost or he

There are many examples of loss insurance that we can get from insurance companies. Today many insurance companies offer their products to protect or provide various financial assistance for us. Some insurance companies offer loss insurance. There are many things that are borne and the branch of the loss insurance is also very much. For those of you who want to get this loss insurance from a particular insurance company, it's a good idea to find out more about the branch of loss insurance. You will also get more information about one example of loss insurance, namely family insurance against accidents here. Branch of Loss Insurance There are a lot of things that an insurance company will cover if you choose this insurance. Below you will get information on some insurance branches that you can choose according to your needs. Loss insurance for property. This insurance will cover your property from the risk of fire, earthquake, industrial risk, and so on. Engineering loss insurance.