Takaful, or in English is called Islamic Insurance Today has been accepted not only in Muslim majority countries, but also in many countries of Europe and Asia, UK and Singapore for example.
This development is also strengthened with the establishment of an international institute of Islamic finance agency, which is adapted to the basic principles in financial transactions in accordance with sharia, including emphasis on a fair deal, the suggestion of sharing system, and the prohibition of riba (interest), gharar (hoax) , and maysir (speculation).
In Indonesia PT.Asuransi Family Takaful has been started by pioneering insurance products tailored to the principles of sharia principles above since 1994.Salah only by Removing the financial planning program for the education of Children is "Fulnadi".
Insurance Fulnadi as Islamic education goals are not much different from Conventional Insurance (Non Sharia), a member of certainty to invest and protection against the cost of your child's education, that education costs could be met from the amount of insurance premiums paid since the child's birth parents.
What distinguishes the conventional, Islamic insurance products to give emphasis on the principles of management of investment funds in accordance with the principles and rules of Islamic finance.
More Value Fulnadi
Insurance education Fulnadi as Sharia provide more value for anak.Salah only fortify the child of the element of Riba Ribawi.Karena is one great sin, and some even mention the actual Usury is also forbidden in the Doctrine in the Gospels and the Torah.
Moreover, if viewed from the development of a diverse range of sharia-based financial services over the last few years, Sri Kurnia Khurniatun of Consulting, indicates if the value of profits to invest more kompetititf Islamic basis compared with conventional products.
Fulnadi also focus on Higher Education, because education is usually higher cost of education is very expensive compared to levels of education lainnya.Di Fulnadi if the child is 18 years old or entering higher education the participants have enjoyed the premium-free facility means there is no obligation to pay premiums again .
Providing Insurance Benefits Fulnadi very interesting (complete) from the death benefit / accidental to the donee (the child), death benefits for the elderly scholarships and free premium, which is added to the cash value.
With many advantages such Fulnadi not only able to provide the best for future generations, but also according to Islamic halal.
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