Nomination in the Banking,Takaful and Contribution System:Its Implications from the Perspective of Islamic Law
(Konsep Penamaan dalam Sistem Perbankan, Takaful dan Caruman: Implikasinya menurut Perspektif Perundangan Islam)
Abstract
This article comprehensively analyses nomination as applied in the banking, takaful and contribution system, and its implications from the perspective of Islamic law. The study employs the qualitative approach of content analysis. The findings of the study are that the introduction of nomination in the Islamic financial system gives the depositors, takaful participants and contributors options when it comes to the administration and distribution of property after death. In addition, nomination is also a convenient mechanism and speeds up the payment of savings, takaful benefits and contributions after the death of depositors, takaful participants or contributors. This study also suggests steps that can be taken to protect the interests of the recipients entitled to the property of the deceased.
Keywords: nomination, implications, banking, takaful contribution
References
Akta Insurans 1996 [Akta 553].
Akta Kumpulan Wang Simpanan Pekerja 1991 [Akta 452].
Akta Perkhidmatan Kewangan Islam 2013 [Akta 759].
Akta Pertubuhan Koperasi 1993 [Akta 502].
Akta Takaful 1984 [Akta 314].
Akta Undang-Undang Sivil 1956 [Akta 67].
Kamus Dewan. (1996). (Edisi Ketiga). Kuala Lumpur: Dewan Bahasa dan Pustaka, p. 919.
Kumpulan Wang Simpanan Pekerja. "Panduan Mengisi Borang KWSP bagi Permohonan Penamaan".
Laman web rasmi Jabatan Kehakiman Syariah Selangor. (2014). Amalan penamaan harta pusaka orang islam di Malaysia: Salah guna atau salah tafsir. Dicapai daripada http://www.jakess.gov.my/v4/index.php/info-jabatan/arkib/berita/236-amalan-penamaan-harta-pusaka-orang-islam-di-malaysia-salah-guna-atau-salah-tafsir.
Laman web rasmi Kumpulan Simpanan Wang Pekerja. Ahli: Soalan Lazim. Capaian daripada http://www.kwsp.gov.my/portal/ms/member/faq/ember.
Laman web rasmi Lembaga Urusan dan Tabung Haji. Borang Penamaan. Capaian daripada http://www.tabunghaji.gov.my/muat-turun-borang.
Md. Yazid Ahmad & Ibnor Azli Ibrahim. (2002). Amalan penamaan harta orang Islam di Malaysia: Satu tinjauan ringkas menurut syariah Islamiah. Jurnal Pengajian Umum (3) 63- 80. Capaian daripada http://www.ukm.my/jmalim/images/vol_03_2002/md_yazid__ibnor_2002_amalan.pdf.
Mohd. Faiz Mohamed Yusof, Nurhanani Romli, & Joni Tamkin Borhan. (2016). Praktis pembayaran manfaat takaful di Malaysia: Implikasi Akta Perkhidmatan Kewangan Islam 2013. Kanun: Jurnal Undang-undang Malaysia 28(2), 191-213. Capaian daripada http://jurnalkanun.dbp.my/wordpress/?p=1753.
Nurul Yusof. (2015). Undang-undang penama. Capaian daripada http://documents.tips/documents/undang-undang-penama.html#.
Pauziah. (2012). Laman Web Rasmi Kementerian Penerangan, Komunikasi dan Kebudayaan. Penubuhan Lembaga Urusan Tabung Haji. Capaian daripada http://www2.arkib.gov.my/hids/print.php?type=A&item_id= 7280.
Pawanchek Marican. (2008). Islamic inheritance laws in Malaysia. Malayan Law Journal 167-184.
Peraturan-peraturan Lembaga Tabung Haji (Deposit dan Pengeluaran) 2002 [P.U. (A) 313/2002].
Prudential BSN Takaful. (2013). "Borang Cadangan untuk Pelan Takaful - Bahagian 7: Penamaan". t. t., p. 6.
Re Bahadun bin Haji Hassan [1974] 1 MLJ 14.
Re Ismail bin Rentah [1940] MLJ 98.
Re Man bin Minhat [1965] 2 MLJ 1.
Saniah binti Ali & Lain-lain lwn Abdullah bin Ali [1990] 3 MLJ 135.
Wan Puziah lwn Wan Abdullah bin Muda & Seorang Lagi [Jun 2001] JH 235.
