Faraid and Takaful Hibah are two concepts related to Islamic inheritance and insurance practices. Here's an explanation of the differences between them:
Faraid: Faraid is the Islamic law of inheritance, which determines the distribution of a deceased person's assets among their heirs according to specific rules outlined in the Quran. Faraid provides a structured framework to ensure fair distribution of wealth among the rightful heirs. It specifies the shares of inheritance for different relatives, such as spouses, children, parents, and other close family members. The distribution is based on predetermined percentages and varies depending on the relationship and number of heirs.
Takaful Hibah: Takaful Hibah is a concept related to Islamic insurance, specifically in the context of a Takaful policy. Takaful is an Islamic insurance system based on the principles of mutual cooperation and shared responsibility. Takaful Hibah refers to the voluntary gift (hibah) made by the Takaful operator to the participant (policyholder) in the event of a surplus in the Takaful fund or upon maturity of the policy. The Takaful operator, as a gesture of goodwill, may distribute a portion of the surplus or profits (after meeting expenses and claims) to the participants in the form of a Hibah.
Differences between Faraid and Takaful Hibah:
Nature: Faraid is a legal framework that governs the distribution of inheritance according to Islamic principles. On the other hand, Takaful Hibah is a voluntary gift given by the Takaful operator to the policyholder in a Takaful insurance arrangement.
Purpose: Faraid ensures the fair distribution of a deceased person's assets among their heirs, maintaining the principles of Islamic inheritance. Takaful Hibah, on the other hand, is a way for the Takaful operator to share surplus or profits with the policyholders as a gesture of goodwill.
Context: Faraid applies specifically to inheritance matters, whereas Takaful Hibah is relevant to Takaful insurance policies. They operate in different domains but both have Islamic principles at their core.
It's important to note that the interpretation and implementation of these concepts may vary in different regions and among different scholars or Takaful operators. Consulting with Islamic legal experts or scholars knowledgeable in Islamic finance would provide more specific and detailed insights tailored to your particular circumstances or jurisdiction.
In the context of Faraid, the rules for the distribution of inheritance are derived from the Quran. The Quran provides guidance on the division of assets among the rightful heirs. Some relevant verses regarding inheritance in the Quran include:
Surah An-Nisa (4:11): "Allah instructs you concerning your children: for the male, what is equal to the share of two females."
Surah An-Nisa (4:12): "And for you is half of what your wives leave if they have no child. But if they have a child, for you is one-fourth of what they leave, after any bequest they [may have] made or debt. And for the wives is one-fourth if you leave no child. But if you leave a child, then for them is an eighth of what you leave, after any bequest you [may have] made or debt."
These verses, along with other related verses, form the basis for determining the shares of inheritance for different family members according to Islamic law.
As for Takaful Hibah, the concept of voluntary gift (hibah) in Takaful insurance arrangements is not specifically mentioned in the Quran. It is an application within the framework of Takaful operations that has been developed based on Islamic principles of mutual cooperation and fairness.
It's important to note that the implementation and interpretation of these concepts, including Faraid and Takaful, have been developed over centuries by Islamic jurists and scholars using various sources, including the Quran, Hadith (sayings and actions of Prophet Muhammad), and scholarly consensus (ijma).
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