IMPLEMENTASI HADIS TA’AWUN DALAM MEKANISME TABARRU’: STUDI KASUS PRODUK PRULINK SYARIAH GENERASI BARU
DOI:
https://doi.org/10.46773/imtiyaz.v9i3.2352Keywords:
Applied Hadith Studies, Islamic Life Insurance, Ta’awun, Tabarru’Abstract
Hadith holds an important position as the second source of Islamic teachings, serving not only
as a basis for legal rulings but also shaping social and economic values. This study aims to
analyze how the principle of ta’awun (mutual assistance) found in authentic hadiths is
implemented through the tabarru’ mechanism in Islamic life insurance products in Indonesia.
This research employs a qualitative descriptive approach using a library research method, by
validating the sanad and matan of the hadith and analyzing the content of Islamic life
insurance policy documents. The result shows that the tabarru’ mechanism in Islamic life
insurance genuinely applies the value of solidarity through contribution-based donations,
shared risk claim schemes, surplus underwriting arrangements, and an interest-free qardh
(benevolent loan) mechanism. These findings demonstrate that the principle of ta’awun,
derived from authentic hadith and supported by Quranic verses, can be practically and
systematically actualized through the tabarru’ mechanism as a risk protection instrument
based on Islamic principles. This study is expected to enrich the literatur on applied hadith
studies and provide input for the development of Islamic finansial practices that remain
aligned with authentic sources.
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