İslami ve Konvansiyonel Sigorta Arasındaki Perspektif Farklılıkları: Risk Paylaşımı ve Risk Transferi Kavramlarına Dayalı Bir Analiz

Year 2024, , 47 - 62, 30.06.2024

Yusuf Dinç , Rashed Jahangır

https://doi.org/10.31679/adamakademi.1015089

Abstract

Bu makale, İslami finansın segmentlerinden İslami sigorta, yani Tekafül, ve konvansiyonel sigortayı karşılaştıran bir analiz sunar. Çalışmanın amacı, her iki sigortacılık uygulamasını ekonomi, risk, ahlak ve geri ödeme politikaları perspektiflerinden değerlendirmektir. Çalışma esas göstergeler üzerinden Tekafülün sınırlılıklarının uygulamanın değil uygulamacıların kısıtları olduğunu tartışır. Hem İslami hem de konvansiyonel sigortanın birbirinden yararlanabileceği öne sürülmektedir. Tekafülün konvansiyonel sigortaya göre önemli ve daha yüksek bir büyüme potansiyeli vardır ve küresel sigorta piyasasında önemli bir oyuncu haline gelebilir. Araştırma, değerlendirmeleri bakımından İslami finans ve sigortacılık alanındaki mevcut literatüre önemli bir katkı sağlar.

Keywords

İslami Sigorta, Tekafül, Konvansiyonel Sigorta, İslami finans, İslami Bankacılık

Differences in Perspectives between Islamic and Conventional Insurance: An Argumentative Analysis based on Risk-sharing and Risk-transfer Concept

Abstract

This article presents an argumentative analysis comparing conventional insurance and Takaful, a segment of Islamic insurance system. The objective of the study is to evaluate both systems from justice, economic, risk, moral, and refund policy perspectives. It focuses primarily on Takaful, a risk-sharing insurance that is considered more viable than conventional insurance in terms of demonstrating compliance with the five sample indicators. Despite some limitations, the study argues in favor of Takaful because its limitations are mostly individual, not institutional in nature. There is a significant and higher growth of Takaful than conventional insurance, and it has the potential to become a significant player in the global insurance market. The research adds significant value to the existing literature on Islamic finance and insurance through its evaluation of Takaful and conventional insurance.

Keywords

Islamic Insurance, Takaful, Conventional Insurance, Islamic finance, Islamic Banking

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