THE PRESENCE THE PRESENCE OF LIFE INSURANCE IN SHARIA BANKING FINANCIAL (Between Risk Mitigation & Economic Justice)
ENGLISH
Keywords:
financing life insurance, risk mitigation, economic justice)Abstract
The presence of financing in Islamic banking creates a number of financial hazards, one of which being the customer's failure to pay owing to a death accident. Banks have previously created risk management to deal with these threats. As a result, the risk can be managed and will not have an impact on future Islamic banking losses. This research implemented a descriptive qualitative approach combined with a literature review to examine the role of life insurance in finance, risk mitigation, and benefits. The strategic risk mitigation technique that widely adopted by banks was Providing financing life insurance cover as protection against financing to face the tragedy. Furthermore, the availability of this insurance was a tool for consumers to meet their financial responsibilities as well as an action to avoid burdening other successors. If we look closely, we can see that there were two chemicals that can make both parties (banks and customers) feel protected, those were in line with economic fairness principles.
Keywords: (financing life insurance, risk mitigation, economic justice)
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