SEKILAS TAKAFUL INDONESIA
Sebagai pelopor asuransi syariah di Nusantara, Takaful Indonesia telah melayani masyarakat dengan jasa asuransi yang sesuai dengan prinsip syariah, selama lebih dari satu dasawarsa, melalui dua perusahaan operasionalnya: PT Asuransi Takaful Keluarga (Asuransi Jiwa Syariah) dan PT Asuransi Takaful Umum (Asuransi Umum Syariah).
PT Syarikat Takaful Indonesia (Perusahaan) berdiri pada 24 Februari 1994 atas prakarsa Tim Pembentukan Asuransi Takaful Indonesia (TEPATI) yang dimotori oleh Ikatan Cendekiawan Muslim Indonesia (ICMI) melalui Yayasan Abdi Bangsa, Bank Muamalat Indonesia Tbk., PT Asuransi Jiwa Tugu Mandiri, Departemen Keuangan RI, serta beberapa pengusaha muslim Indonesia. Melalui kedua anak perusahaannya yaitu PT Asuransi Takaful Keluarga dan PT Asuransi Takaful Umum, Perusahaan telah memberikan jasa perlindungan asuransi yang menerapkan prinsip-prinsip murni syariah pertama di Indonesia.
PT Asuransi Takaful Keluarga yang bergerak di bidang asuransi jiwa Syariah didirikan pada 4 Agustus 1994 dan mulai beroperasi pada 25 Agustus 1994, yang ditandai dengan peresmian oleh Menteri Keuangan Mar'ie Muhammad. Diikuti dengan pendirian anak perusahaan yang bergerak di bidang asuransi umum Syariah yaitu PT Asuransi Takaful Umum, yang diresmikan oleh Menristek/Ketua BPPT Prof. Dr. B.J. Habibie pada 2 Juni 1995.
Kepemilikan mayoritas saham Syarikat Takaful Indonesia saat ini dikuasai oleh Syarikat Takaful Malaysia Berhad (56,00%) dan Islamic Development Bank (IDB, 26,39%), sedangkan selebihnya oleh Permodalan Nasional Madani (PNM) dan Bank Muamalat Indonesia serta Karya Abdi Bangsa dan lain-lain.
Di tahun 2004, Perusahaan melakukan restrukturisasi yang berhasil menyatukan fungsi pemasaran Asuransi Takaful Keluarga dan Asuransi Takaful Umum sehingga lebih efisien serta lebih efektif dalam penetrasi pasar, juga diikuti dengan peresmian kantor pusat, Graha Takaful Indonesia di Mampang Prapatan, Jakarta pada Desember 2004. Selain itu, dilakukan pula revitalisasi identitas korporasi termasuk penataan ruang kantor cabang di seluruh Indonesia, untuk memperkuat citra perusahaan.
Untuk meningkatkan kualitas layanan yang diberikan Perusahaan dan menjaga konsistensinya, Perusahaan memperoleh Sertifikasi ISO 9001:2000 dari SGS JAS-ANZ, Selandia Baru bagi Asuransi Takaful Umum, serta Asuransi Takaful Keluarga memperoleh Sertifikasi ISO 9001:2000 dari dari Det Norske Veritas (DNV), Belanda pada April 2004. Selain itu, atas upaya keras seluruh jajaran perusahaan, Asuransi Takaful Keluarga meraih MUI Award 2004 sebagai Asuransi Syariah Terbaik di Indonesia, dan Asuransi Takaful Umum memperoleh penghargaan sebagai asuransi dengan predikat Sangat Bagus dari Majalah InfoBank secara berturut-turut pada tahun 2004 dan 2005.
Dengan dukungan Pemerintah dan tenaga professional yang berkomitmen untuk mengembangkan asuransi syariah, Syarikat Takaful Indonesia bertekad untuk menjadi perusahaan asuransi syariah terkemuka di Indonesia.

PT Asuransi Takaful Keluarga

Pemegang Saham
• PT Syarikat Takaful Indonesia : 99,94%
• Koperasi Karyawan Takaful: 0,06%
Dewan Komisaris
• Komisaris Utama : Dato' Mohamed Hassan Md Kamil
• Komisaris Independen : H.M.U. Suwendi FSAI, FLMI, MBA
• Komisaris : Muhammad Harris, SE
• Komisaris : Saiful Yazan Ahmad
Dewan Pengawas Syariah (DPS)
• Ketua : Prof. Dr. K.H. Didin Hafidhuddin
• Anggota: Dr. H.M. Syafi’i Antonio, MSc
• Prof. Dr. Fathurrahman Djamil, MA
• Prof. Madya Dr. Shobri Salamon
Dewan Direksi
• Direktur Utama : Agus Edi Sumanto
• Direktur : Nor Effuandy Pfordten
Penghargaan
1. PT Asuransi Takaful Keluarga sebagai Asuransi Syariah Terbaik tahun 2003 versi MUI
•
2. PT Asuransi Takaful Umum Sebagai Asuransi Umum berpredikat Sangat Bagus Kategori Kinerja Keuangan tahun 2002 versi majalah InfoBank
•
3. PT Asuransi Takaful Umum sebagai Asuransi Umum berpredikat Sangat Bagus Kategori Kinerja Keuangan tahun 2004 versi majalah InfoBank
•
4. PT Asuransi Takaful Keluarga sebagai Asuransi Umum berpredikat Terbaik Kategori Manajemen Resiko versi Karim Business Consulting
•
5. PT Asuransi Takaful Umum sebagai Asuransi Umum berpredikat Terbaik ke 2 Kategori Manajemen Resiko versi Karim Business Consulting
•
6. PT Syarikat Takaful Indonesia sebagai Top Of Mind Asuransi Syariah Kategori Perusahaan Asuransi versi Karim Business Consulting
•
7. PT Asuransi Takaful Umum memperoleh Penghargaan Khusus Sebagai Pioner Asuransi Umum Syariah versi majalah Investor

Produk Unggulan ATK
1. Fulnadi
2. Takaful alia
3. Takaful Mizan dan Istiqamah
4. Family care
5. Fulmedicare
6. Kecelakaan Diri
7. Alkhairat
8. Tabungan Hari Tua

A. Criteria for Selecting Candidates Wife

In choosing a wife, Islam has given them some clues:

1. A bride should have a basic education of good faith and for women who understand the religion will know their responsibilities as wives and mothers. As word of the Messenger of Allaah Allaah be upon him:

From Abu Hurayrah radliyallahu 'anhu from the Prophet of Allaah be, he said: "She was married for four cases, because of his wealth, his descendants, beauty, and because of his religion, then choose a religious woman, ye shall be happy." (Agreed upon )

Similarly, Allaah says:

"And do not marry women idolaters until they believe. In fact the believer slave woman is better than women polytheists, even though she allures you .... "(Surat al-Baqara: 221)

"So the women who shalihah is more obedient to God preserve him, therefore God preserve them." (Surat An-Nisa ': 34)

Shalihah for being a woman a man is the best to the world of jewelry.

"The world is a jewel, and the best jewelry shalihah world are women." (Narrated by Muslim)

2. Let's loving wife and many children.

Prophet of Allaah be to have said:

From Anas ibn Malik, the Messenger of Allaah 'alaihi wa sallam said: "... marry women loving and lots of children ...." (Narrated by Ahmad and Ibn dishahihkan Hibban)

Al Waduud means loving or can also mean full of love, with he has many good qualities, so that makes a man willing to marry her.

Medium Al Mar'atul Waluud are many women who bear children. In choosing a woman who gave birth to many children there are two things to note:

a. Physical health and diseases that prevent the pregnancy. To find out about it can ask for help to specialists. Therefore, a woman who has good health and a strong physique is usually able to bore many children, in addition to bearing the burden of household can also fulfill the obligation to educate children and to execute tasks in a perfect wife.

b. See how his mother and brothers and sisters who have married if they had included women who gave birth to many children, then usually she will like it.

3. Should choose a wife who still, especially for young girls who have never married.

Jabir, he said, I have been married so then I went to the Prophet 'alaihi wa sallam and said his peace' alaihi wa sallam: "Are you married?" Jabir said, so be it. Prophet said: "Virgin or a widow?" So I replied, widow. The Prophet said: "Will you not marry a virgin, you can play with him and he can play with you."

4. Priority to people far away (from family) in marriage.

To be able to know the religion and morals candidate's wife, one of them observing the candidate's wife lives everyday by asking people nearby, such as neighbors, friends, or relatives nearby. can also with a membinanya Ustad.
B. Criteria for Selecting Candidates for Husband

1. Islam.

This is a very important criterion for a Muslim in selecting candidates for the husband with Islam is the only way to make us safe world and the Hereafter.

As word of Allaah:

"... And do not marry idolaters (with the women believers) until they believe. In fact the believer slave is better than the idolaters even though he allures you. They took into hell, while God invites to Paradise and pardon by His permission. And God explained the verses of his (the commandments of His) to mankind that they may take heed. "(Surat al-Baqara: 221)

2. Knowledge and good conduct to use ruqyah.

The future of the couple's life is closely related to choosing a husband, then Islam gives advice to choose a good moral, righteous, and religious.

The Messenger of Allaah 'alaihi wa sallam said:

"If you all were visited by someone who Dien and conduct to use ruqyah you ridhai then he Marry. If you all do not do it there will be fitnah on earth and tersebarlah damage. "(Narrated by At-Tirmidhi)

Islam has its own considerations and measures by putting them on the basis of piety and morality, and not make poverty a reproach and not make wealth as a compliment. As word of Allah, the Exalted:

"And Marry those among you alone and the people who deserve (marriage) and sahayamu servants of men and sahayamu servants are women. If they are poor, God will enable them with His grace and Allah is (giving him), the Knower. "(Surat An-Nur: 32)

From Abu Hurayrah radliyallahu 'anhu said: The Messenger of Allaah said:' alaihi wa sallam: "Do not hate a believer (male) in believing (women) if she does not like a behavior must be also other behaviors that she liked." (Narrated by Muslim)

In connection with selecting candidates for the daughter's husband by piety, Al-Hasan ibn Ali vol ever said to a man:

"Marry puterimu with men who fear for if he loved her then he will honor him, and if you do not like it then he will not mendzaliminya."

To be able to know the religion and morals future husband, one of them observing the prospective husband's life everyday by asking people nearby, such as neighbors, friends, or close relatives

Choosing Insurance Tips

n modern times it is today almost no one does not need Insurance, Life Insurance to provide protection to risk case of natural disasters that hit someone, for example; died too soon, hurt, crash that requires serious treatment, critical illness, Total Permanent Disability, dead too long. Human beings require beikhtiar minimize the economic risks that occur as a hadith the prophet who became the song "FOR MASS" that we keep the five cases before the coming five cases,
"Use the five things before the arrival of five cases; Young before old, well before the sick, rich before the poor, narrow the field before and life before death." (Hadith narrated by Muslim).
Meanwhile, General Insurance (General) provides protection to our property from the risk of loss that may occur.
However, not all insurance products in the same time taken, we must be wise and appropriate to their level of need and priorities
Here are just choosing insurance Tips Sharia;
1. Make an analysis or if possible consult with a financial planner, or at least make an insurance needs analysis which priorities in need.
2. Select a company health insurance, consider the level of RBC solvabilitasnya or her in accordance with the provisions of the Ministry of Finance, or at least there was less information about the Ministry of Finance.
3. Consider risk reserves at a profit loss report, a healthy insurance total assets must be greater than the level of risk to be borne.
4. Own capital deposited in accordance with
5. Investments in the do not deviate from the provisions of the Ministry of Finance, transparent and does not conflict with Sharia
6. Achievements can be viewed companies from the ratings made various media
7. Having a quality standard such as ISO
8. Discuss with a professional agent, ask to detail associated with the products, rights and obligations. Law and policy.
9. Survey to the company's office to make sure everything was.
10. Do not forget intend to as Wasilah "ta'awun" copy please help so worth of worship.
Good luck ...
A'lam Wallohu bi showab

Insurance Suputar Sharia

Shariah insurance (Ta'min, Takaful or Tadhamun) is an attempt to protect each other and helping among a number of people / parties through investment in the form of assets and / or tabarru 'which gives the pattern of returns for a particular risk through the covenant (commitment) in accordance with sharia .

Examples of the verses of Allah and the Prophet Hadith that explains benefits of Islamic Insurance:

1.Tiap-each nation has a time limit, so when it came time they can not postpone sesaatpun goods and can not be (too) advance. (Surat al-raf: 34)
Humans are creatures created by God, to live his life on earth. But in carrying out the human life not knowing how long he will continue to live, when he would fall ill, when calamity strikes, accidents, fires, etc.. Because it is merely the secret of Allah SWT.

2.Dan should fear God who should leave behind them the children of poor, that they are concerned about the (welfare) they are. Therefore, let them fear God and let them say the right words. (Surat an-Nisa ': 9)
In human life has the potential to get accident and disaster that may be unexpected, and therefore people are asked to prepare for, deal with the possibility of disaster that would happen to him, so as to avoid kemadharatan for those left behind

Sa'd ibn Abi 3.Dari Waqqaas ra said ... that the Prophet SAW said, 'Surely, if you leave your children in a rich (adequacy) is better than you left them on the poor who beg to other human beings. (Agreed alaih).
Along with human ignorance about the Ghayb (which will happen), God also commanded that men make perncanaan for the future.

4.Dari ra Nu'man ibn Bashir said, that the Prophet SAW said, 'The likeness of those who believe in love, affection and tenderness weakness among them are like one body. If there is one member of a sick body, then all the other members of the body will contribute feel (like) could not sleep and fever. "(Narrated by Muslim)
Among the Muslims, we are commanded to helping each other & help help, which khsusnya to get into trouble.