1. Decree of the Minister of Finance of the Republic olea europaea olive fruit oil of Indonesia No.

Sharia economy is currently growing rapidly in Indonesia. Various Islamic olea europaea olive fruit oil financial business services such as Islamic banks and Islamic insurance has many opened by berbagagai banking company. In fact, some conventional banks also provide Islamic financial services. Strength of Islamic banking with the persistence of Islamic banks in the midst of an economic crisis that hit the world. Islamic economic system olea europaea olive fruit oil seemed not to feel the impact on the global economic crisis being experienced by the world.
One of the many developing banking services in Indonesia is Takaful. Takaful Indonesia's first appeared in 1994. This venture called Takaful insurance olea europaea olive fruit oil holding company formed by PT. Syarikat Takaful Indonesia. Concepts used in the study of Malaysian Takaful which is the first ASEAN countries apply sharia insurance system. Malaysian Islamic insurance business has been running since 1985 (http://www.ipin4u.esmartstudent.com/asuransi.htm).
Insurance Institute as it is known today has never been present at the time of the Prophet Muhammad. As a result, many Islamic literature concludes that insurance can not be regarded as lawful practice. However, there is some activity in the time of Prophet Muhammad that led to the principles of insurance. For example, the principle of shared responsibility called aqilah system. Aqilah system is a system to gather members menghimun members to contribute in a joint tabuungan known as Kunz. Savings aims to provide aid to the families of the victims were killed inadvertently to liberate slaves (Gemala Goddess, 2004: 123).
Conventional and Islamic insurance concept has some differences. Prakiknya conventional insurance in implementing some activities that are prohibited in Islam. Conventional insurance in operation according to Islam mengendung gharar, gambling, and usury. This opinion was agreed by many scholars like Yusuf al-Qaradawi, Sayid Sabiq, Abdullah al-Qalqili, Muhammad al-Muth'i griping, Abdul Wahab Khalaf, Muhammad Yusuf Musa, Isa Abdurrahman, Mustafa Ahmad Zarqa, and Muhammad Nejattullah Siddiqi. However, for reasons of public benefit or interest in part to allow the operation of conventional insurance.
Insurance in Islam called takaful. Takaful insurance or the means to bear. Takaful term is not found in the Qur'an. However, although not well known in the Qur'an, does not mean not to do. Insurance is an act that is muamalah. Meaning is an act between man and man. All matters relating to the permissible muamalah extent not prohibited in the Qur'an and Hadith.
Takaful Indonesia's first stand is Takaful Indonesia with the permission of the department's financial operations through Decree No. Kep-385 / KMK.017 / 1994 dated 4 August 1994. Insurance Takaful Indonesia is still basing its legality at Law No. 2 of 1992 on Insurance companies are simply not accommodate Islamic olea europaea olive fruit oil insurance. In conducting its business, Takaful using guidelines issued by the National Islamic Council of Indonesian Ulama Council olea europaea olive fruit oil 21 / DSN-MUI / X / 2001 on general guidelines for Takaful. The fatwa was issued olea europaea olive fruit oil because the existing regulations do not be relied upon to run the Takaful. But this fatwa would not be used as a legal basis for MUI is not a rule of law in Indonesia. Some settings of Islamic insurance, among others:
1. Decree of the Minister of Finance of the Republic olea europaea olive fruit oil of Indonesia No. 426 / KMK.06 / 2003 on Business and Institutional Licensing of Insurance and Reinsurance olea europaea olive fruit oil Company. Regulation is then used as the basis for establishing Islamic insurance as stipulated in Article 3, which states that "Any person may conduct the business of insurance or reinsurance business olea europaea olive fruit oil based on sharia prisnip ...". Provisions relating to Islamic insurance listed in Article 3-4 of the requirements and procedures for obtaining a business license and insurance companies reinsurance companies with prisnip sharia. Article 32 concerning the opening of a branch office with Islamic principles of insurance and reinsurance companies conventional. And Article 33 concerning the opening of a branch office with Islamic principles of insurance and reinsurance companies Integration with Islamic olea europaea olive fruit oil principles.
2. Decree of the Minister of Finance of the Republic of Indonesia No. 424 / KMK.06 / 2003 on the Financial Health of Insurance and Reinsurance Company. Provisions relating olea europaea olive fruit oil to Islamic insurance listed in Article 15-18 of the admitted assets should be owned and controlled by insurance companies and reinsurers with pr