Tinjauan Hukum Ekonomi Syariah Terhadap Praktik Gharar Dan Riba Pada Perusahaan Asuransi Konvensional Di Kota Pekanbaru
Year: 2026
Type: article
Abstract: This study aims to examine the practice of gharar (uncertainty) and riba (interest) in conventional insurance companies in Pekanbaru City from the perspective of Islamic Economic Law. The research employs a qualitative method with normative juridical and empirical juridical approaches. Data were collected through in-depth interviews with insurance agents and company leaders, field observations, and documentary studies of OJK regulations and DSN-MUI fatwas. The results indicate that conventional insurance products in Pekanbaru substantively contain elements of gharar, as evidenced by obscure contract objects, conditional claim mechanisms, and non-transparent premium management. Furthermore, elements of riba were found through investment of premiums in interest-based instruments. From the Islamic Economic Law perspective, these practices conflict with muamalah principles that prohibit all forms of gharar and riba as stipulated in DSN-MUI Fatwa No. 21/DSN-MUI/X/2001. This study recommends institutional transformation toward a takaful model as a sharia-compliant alternative.
Source: Jurnal Daya Saing
Author: Devra, Desi Devrika
Institution: Universitas Islam Negeri Sultan Syarif Kasim Riau
Language: English
Subfield: Accounting
Domain: Social Sciences
Open Access status: diamond
OpenAlex ID: W7224775617