Having known the superiority of Islamic Insurance’s concept, it is the purpose of this sub chapter to dwell upon the scope and prospect of the Islamic insurance. The prospect of Islamic future may be traced back to the history of the mutual insurance. The mutual insurance has been developed by people after the industrial revolution in the western world. This revolution brought with a new type of social insecurity for which social and mutual insurance was involved as at least a partial solution.
In course of time, the mutual insurance has developed. It is now wider in scope and larger in size. In Britain the main representatives of mutual insurance are Friendly Societies. They have spread all over Europe. France has several thousands of such small association and their operations have been successful. The same may be said of Switzerland, Belgium and Holland, and particularly of Italy, where large mutual associations have been greatly favoured by governments. The measure of their success may be imagined by the fact that they are most popular in Russia while in the USA there is the leadership of giant mutuals .
By this development, it is understood that the mutual insurance which constitutes the basic thought of the Islamic insurance has the auspicious prospect in future. Admittedly, also, the Islamic insurance is likely accepted by most Islamic countries in the world, especially Middle-East and other surrounding Islamic countries, and particularly countries in where the majority of Muslims live e.g. Indonesia.
Indonesia has approximately 90% Muslim citizens, who, nowadays, seemingly realize to perform their identity on the stage of economic affairs. This forms a large captive-market along with the improvement of political and economic stability. On the other hand, most of the Muslims require the device of trade on the basis of shari'a, and this requirement gets wider all along with the development of financial service industrial affairs. Furthermore, it is required to found many Islamic insurance companies as well as interest free banks to satisfy this urgent demand .
So far, PT Asuransi Takaful Keluarga is the only one of the Islamic insurance company among 52 companies of Life Insurance in Indonesia. Apparently, it is able to eliminate 42 companies in acquiring the amount of policy-holder. See at the table below :
Rank Number Name of Company Number of Policyholder
1 Bringin Jiwa Sejahtera 6,766,345
2 AJB Bumiputera 1912 4,789,062
3 Jiwasraya 3,010,210
4 Koperasi Asuransi Indonesia 2,423,672
10 Asuransi Takaful Keluarga 150,107
Total 52 Companies 20,380,574
Source: tazkia.com 2001
The writer is in no doubt that above fantastic acquisition still can more be enhanced through many strategies. Apart from that, the growth of the Islamic insurance is enormously depending on government’s and society's response, it means that the government is expected to produce the particular regulation and law institution relating to oversee the Islamic insurance operation
Meanwhile, the society is hoped to participate actively in advancing this shari’a economy system, of course, it is neither only in insurance nor banking, but also in increasing the Islamic ummah's quality.
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