A Comparative Economic Analysis of Cooperative Insurance With Other Types of Insurance and Provide A Combined Pattern Consistent With Shariah
Message:
Article Type:
Research/Original Article (دارای رتبه معتبر)
Abstract:
The purpose of this research is to investigate the comparative nature of cooperative insurance and to explain their advantages and disadvantages compared to other types of insurance, including private and public insurance, mutual insurance, micro-insurance and Takaful insurance, both for the insured and the insurer.
In this regard, while defining the full range of micro and mutual insurance, as well as conventional and Takaful insurance (private and public), the advantages and disadvantages of each will be examined in a separate and detailed section from the point of view of economic and Islamic indicators.
The meaning of comparative economic indicators is all that can affect the type of ownership, the element of opposition, the ability to present microcosm, compliance with the law, and the profitability of insurance companies as the main criteria of economic comparison.
Also, the Islamic index in this study will be considered, comparing the insurance companies from the perspective of justice (with two criteria for the distribution of income and poverty). The end result is that the preference for cooperative insurance prevails over other insurance institutions both in terms of economics and Islam.
Finally, a combination of all of the above-mentioned policies is presented, which can be considered with the least disadvantages and most benefits from economic and Islamic aspects compared to other types of insurance.
The presented model is similar to mutual insurance in which the insured and the insurer are the same. It is similar to Takaful insurance in which Islamic-based investments in Islamic contracts are guaranteed and the annual residual income among members is distributed. It is similar to micro insurance in which Insurers are categorized into small groups targeting the poor, and along with all these, it is similar to cooperative insurance which makes sure that members are compensated for the priority (rather than the purpose) without receiving commission and with minimum premium.
Language:
Persian
Published:
Journal Of Islamic Economics Studies, Volume:10 Issue: 2, 2018
Pages:
179 to 221
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