PERBANDINGAN MENYIMPAN

ByWAN MD HATTA

PERBANDINGAN MENYIMPAN

PERBANDINGAN MENYIMPAN DALAM TAKAFUL IKHLAS DAN BANK PERDAGANGAN

 CIRI  BANK  TABUNG HAJI INSURANSKONVENSIOAL TAKAFULIKHLAS
Prinsip Berasaskan keuntungan Muamalat Islam Berasaskan keuntungan Muamalat Islam
Konsep     Jual Beli Sedekah / Tabarru’
Simpanan Ö  Ö  Ö @ ??? Ö 
Keuntungan /Al-Mudharabah Ö  Ö  Ö @ ??? Ö 
Perlindungan     Ö  Ö 
Pengecualian Cukai Pendapatan      Ö  Ö 
Manafaat Tambahan     Ö Ö
Amal Jariah     ??? Ö
Zakat Perniagaan   Ö ??? Ö
Urusan Pusaka penama faraid penama Faraid
Riba’ (dalam Pinjaman) Ö Tiada Ö Pengeluaran simpanan 3X
Maisir/Judi Ö Tiada Ö (Rider tiada pulangan – duit hangus) Tiada (Rider ada pulangan – simpanan)
Hadiah     ??? Hadiah jika anak cemerlang
    ??? Sumbangan dikecualikan jika penyakit kritikal

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Insuran Agent

3 Comments so far

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