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MEKANISME KERJASAMA PT BANK MUAMALAT INDONESIA Tbk MEKANISME KERJASAMA PT BANK MUAMALAT INDONESIA Tbk DENGAN PT ASURANSI TAKAFUL KELUARGA DALAM PENGEMBANGAN fulPROTEK Skripsi Diajukan Untuk Memenuhi Persyaratan Memperoleh Gelar Sarjana Ekonomi Islam (SEI) Oleh : Oleh: Rahayu Tridhoni NIM: 203046101754 KONSENTRASI PERBANKAN SYARIAH PROGRAM STUDI MUAMALAT FAKULTAS SYARIAH DAN HUKUM UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA 1429 H / 2008 M LEMBAR PERNYATAAN Dengan ini Saya menyatakan bahwa : 1. Skripsi ini merupakan hasil karya asli saya yang diajukan untuk memenuhi salah satu persyaratan memperoleh gelar strata 1 di Universitas Islam Negeri (UIN) Syarif Hidayatullah Jakarta. 2. Semua sumber yang saya gunakan dalam penulisan ini telah saya cantumkan sesuai dengan ketentuan yang berlaku di Universitas Islam Negeri (UIN) Syarif Hidayatullah Jakarta. 3. Jika di kemudian hari terbukti bahwa karya ini bukan hasil karya asli saya atau merupakan hasil jiplakan dari karya orang lain, maka saya bersedia menerima sanksi yang berlaku di Universitas Islam Negeri (UIN) Syarif Hidayatullah Jakarta. Jakarta, 27 Maret 2008 M 19 Rabiul Awal 1429 H Rahayu Tridhoni MEKANISME KERJASAMA PT BANK MUAMALAT INDONESIA Tbk DENGAN PT ASURANSI TAKAFUL KELUARGA DALAM PENGEMBANGAN fulPROTEK Skripsi Diajukan Kepada Fakultas Syariah dan Hukum Untuk Memenuhi Salah Satu Persyaratan Memperoleh Gelar Sarjana Ekonomi Islam (SEI) Oleh : Rahayu Tridhoni NIM: 203046101754 Di Bawah Bimbingan Pembimbing I Pembimbing II Prof. Dr. Hj. Huzaemah Tahido Y, MA AM. Hasan Ali, MA KONSENTRASI PERBANKAN SYARIAH PROGRAM STUDI MUAMALAT FAKULTAS SYARIAH DAN HUKUM UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA 1429 H / 2008 M PENGESAHAN PANITIA UJIAN Skripsi berjudul MEKANISME KERJA SAMA PT BANK MUAMALAT INDONESIA Tbk DENGAN PT ASURANSI TAKAFUL KELUARGA DALAM PENGEMBANGAN fulPROTEK telah diujikan dalam Sidang Munaqasyah Fakultas Syariah dan Hukum Universitas Islam Negeri (UIN) Syarif Hidayatullah Jakarta pada hari Kamis tanggal 27 Maret 2008. Skripsi ini telah diterima sebagai salah satu syarat memperoleh gelar Sarjana Ekonomi Islam (SEI) pada Program Studi Muamalat (Ekonomi Islam). Jakarta, 27 Maret 2008 Mengesahkan, Dekan Fakultas Syariah dan Hukum Prof. DR. H. Muhammad Amin Suma, SH, MA, MM NIP. 150 210 422 PANITIA UJIAN Ketua : Drs. Djawahir Hejazziey, SH., MA. (………………..) NIP. 130 789 745 Sekretaris : Drs. H. Ahmad Yani, MA. (………………..) NIP. 150 269 678 Pembimbing I : Prof. Dr. Hj. Huzaemah Tahido Y, MA. (………………..) NIP. 150 165 267 Pembimbing II: AM. Hasan Ali, MA. (………………..) NIP. 150 370 226 Penguji I : Drs. H. Asep Syarifuddin Hidayat, SH., MH. (………………..) NIP. 150 268 783 Penguji II : Hendra Kholid, MA. (………………..) KATA PENGANTAR Dengan segenap hati mengucap puji syukur kehadirat Allah SWT, sang pemilik dan penguasa alam raya, yang memberikan kemudahan dari kesulitan, kelebihan dari kekurangan, dan kekuatan dari ketidak berdayaan. Dengan petunjuk dan hidayah-Mu, akhirnya penulis dapat menyelesaikan skripsi ini dengan penuh kesabaran atas rintangan yang dihadapi. Teriring pula shalawat dan salam atas Nabi Muhammad SAW, penerang dari kegelapan umatnya. Proses penyelesaian skripsi ini tak lepas dari bantuan berbagai pihak. Untuk itu penulis ucapkan terimakasih dihaturkan kepada: 1. Dekan Fakultas Syari’ah dan Hukum UIN Syarif Hidayatullah Jakarta, Bapak Prof. Dr. H. Muhammad Amin Suma, SH., MA., MM. 2. Ketua Program Studi Muamalat Fakultas Syari’ah dan Hukum UIN Syarif Hidayatullah Jakarta, Ibu Euis Amalia, M.Ag.; Sekretaris Program Studi Muamalat Fakultas Syari’ah dan Hukum UIN Syarif Hidayatullah Jakarta, Bapak Ah. Azharuddin Lathif, M.Ag.; Ketua Program Non-Reguler Fakultas Syari’ah dan Hukum UIN Syarif Hidayatullah Jakarta, Bapak Drs. Djawahir Hejazziey, SH., MA.; Sekretaris Program Non-Reguler Fakultas Syari’ah dan Hukum UIN Syarif Hidayatullah Jakarta, Bapak Drs. H. Ahmad Yani, MA., beserta staff dan seluruh dosen yang telah memberi ilmu, membimbing dan mengarahkan penulis sejak masa perkuliahan hingga berakhirnya skripsi ini. 3. Pembimbing skripsi, Ibu Prof. Dr. Hj. Huzaemah Tahido Yanggo, MA. dan Bapak AM. Hasan Ali, MA. Terima kasih atas waktunya ditengah kesibukan Ibu dan Bapak dalam memberikan bimbingan dan saran bagi penulis. 4. Kepada pihak Bank Muamalat Indonesia di Gedung Arthaloka Sudirman khususnya Bapak Ahmad Sehu Ibrahim Bagian Business Innovation Group (BIG), Mba Sunarti dan Mas Rohim di Muamalat Institute Karawaci, juga kepada pihak Asuransi Takaful Keluarga khususnya Mba Juni dan Mba Ruzita selaku pendamping lapangan yang dengan sangat ramah telah membantu penulis dalam pengumpulan data. 5. Orang tua tercinta dan tersayang, Ayahanda Ponimin (bapak maaf ya, ayu lulusnya telat) dan Ibunda Rukiah (maaf, ayu keluar rumah mulu). Dua orang berjasa dan memiliki pengaruh besar dalam proses kehidupan penulis. Dorongan berupa semangat yang tertuang melalui doa, daya dan upaya selalu dicurahkan untuk penulis. 6. Buat Nenek dan saudara-saudara di Medan terimakasih atas doa yang diberikan. Untuk kakak-kakakku tercinta, k’Lani (sudah besar jangan buat orang kesal ya) dan k’Icha (bantuan dananya jangan sampe sini saja ya, dilanjutin oc!!) terimakasih atas dukungan dan semangatnya untuk cepat-cepat selesai walaupun tidak sesuai target. 7. Buat wartel dan rental ”Media” depan ASPI (Uda-Uda dan Inat), CEMPAKA foto copy (mas-mas yang ada disana) terimakasih, maaf ya terkadang suka ngutang tapi dibayar, kan. Tidak lupa buat sahabat terbaikku MAN 4 Vivi (teman begadang), Diah, Neneng (ko’ duluan sich wisudanya), Iwa (bu, pinter banget sich, bagi resepnya donk), Mega dan Retina. Juga buat teman-teman PS A ”Edo (kemana mas, sibuk nih, terimakasih saran judulnya)”, PS B ”Acho, Atuy, Tompul” dan PS C ”Ayu Lisa, Muthe, Oneng, Ci Iyah, Achon, Deden, Waiz, Gudenk”, pokoknya semua yang sudah merasa membantu diriku menyelesaikan skripsi. Demikian ucapan terima kasih penulis haturkan kepada seluruh pihak, semoga Allah swt membalas dan melipatgandakan jasa dan kebaikan kalian. Penulis berharap semoga skripsi ini dapat bermanfaat bagi pihak-pihak terkait. Jakarta, 03 Maret 2008 M 25 Shafar 1429 H Penulis DAFTAR ISI Kata Pengantar . ....................................................................................................i Daftar Isi . ............................................................................................................iv BAB I PENDAHULUAN A. Latar Belakang Masalah .................................................................... 1 B. Pembatasan dan Perumusan Masalah ................................................ 7 C. Tujuan dan Manfaat Penelitian . ........................................................ 7 D. Kajian Pustaka ................................................................................... 9 E. Kerangka Teori dan Konsep ............................................................. 10 F. Metode Penelitian ............................................................................ 11 G. Sistematika Penulisan ...................................................................... 15 BAB II LANDASAN TEORI A. Perjanjian Menurut Hukum Islam 1. Pengertian ................................................................................... 17 2. Asas-Asas Perjanjian .................................................................. 19 3. Syarat Sahnya Perjanjian ........................................................... 23 4. Berakhirnya Perjanjian ............................................................... 26 5. Penerapan Prinsip-Prinsip Hukum Perjanjian Syariah ............... 27 B. Kerjasama (Syirkah) 1. Pengertian ................................................................................... 29 2. Dasar Hukum ............................................................................. 30 3. Macam-Macam Syirkah ............................................................. 31 4. Rukun dan Syarat Sahnya Syirkah ............................................. 34 BAB III GAMBARAN UMUM A. Profil Singkat PT. Bank Muamalat Indonesia Tbk 1. Sejarah Perkembangan PT. Bank Muamalat Indonesia Tbk ...... 36 2. Visi dan Misi PT. Bank Muamalat Indonesia Tbk ..................... 38 3. Struktur Organisasi PT. Bank Muamalat Indonesia Tbk ........... 39 4. Produk-Produk PT. Bank Muamalat Indonesia Tbk .................. 40 B. Profil Singkat PT. Asuransi Takaful Keluarga 1. Sejarah Perkembangan PT. Asuransi Takaful Keluarga ............ 44 2. Visi dan Misi PT. Asuransi Takaful Keluarga ........................... 47 3. Struktur Organisasi PT. Asuransi Takaful Keluarga ................. 47 4. Produk-Produk PT. Asuransi Takaful Keluarga ........................ 48 C. fullPROTEK ..................................................................................... 51 BAB IV TINJAUAN HUKUM ISLAM TERHADAP KERJASAMA PT. BANK MUAMALAT INDONESIA Tbk DENGAN PT. ASURANSI TAKAFUL KELUARGA A. Isi Perjanjian Kerjasama PT. Bank Muamalat Indonesia Tbk dengan PT. Asuransi Takaful Keluarga ........................................... 56 B. Bentuk Kerjasama PT Bank Muamalat Indonesia Tbk dengan PT Asuransi Takaful Keluarga ............................................................... 84 C. Pandangan Hukum Islam Tentang Mekanisme Kerjasama PT Bank Muamalat Indonesia Tbk dengan PT Asuransi Takaful Keluarga dalam Pengembangan fulPROTEK .................................................. 88 BAB V PENUTUP A. Kesimpulan ...................................................................................... 94 B. Saran ................................................................................................
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