cooperation, social solidarity as well as mutual indemnification of losses of members. It is a form of co-operative insurance, where by members contribute a certain sum of money to a common pool. The purpose of this system was to uphold the principle of “bear ye one another’s burden” not to create profits.
Insurance today is indispensable and inevitable in any modern economy, it has become ‘a necessary evil’ one has to involve in either voluntarily or involuntarily (government policies compel owners of vehicles or businessmen or creditors or debtors to the banks to insure their property). So Muslims are in a dilemma; in that, Islam strongly prohibits usury of any form (see Qur’an II, 275 & LXXII 20) while the modern economy is based on interest to such an extent that it is difficult to visualize any economic relations where interest/usury does not come in, directly or indirectly.
So our great challenge today, as Muslims is how to eliminate interest/usury and evolve new institutions and practices which would enables economic activities in Nigeria to flourish without resort to ‘riba’ and other evils associated with the modern economy. That is why the researcher carries out this research study in order to look at the basic principles of Islamic insurance as well as to analyze the possible problems and prospects of Islamic insurance in Nigeria.
目标和目标的研究——AIMS AND OBJECTIVES OF THE RESEARCH
To identify the basic principles of Islamic insurance.
To identify the nature and coverage of Islamic insurance.
To identify the possible problems and prospects of Islamic insurance in Nigeria.
尼日利亚伊斯兰保险的必要性——NEED FOR ISLAMIC INSURANCE IN NIGERIA
Islamic insurance is free from Riba (usury) and other evils associated with conventional insurance and can even be more profitable.
To take advantage of this scientific discovery in line with divine guidance is not only desirable, it is also indispensable for the progress of Islamic civilization – human civilization.
Considering that Nigeria is largely a Muslim country, with about 120million Muslims (over 75% of Nigerian population are Muslims), it is only fair and just that the belief and values of its vast majority be respected and reflected by providing them avenues of insuring and/or assuring their lives and property without necessarily violating the shari’ah, which is detrimental to them in this world and the Here-after.
研究提问——RESEARCH QUESTIONS
What is the nature of Islamic insurance?
What are the items and aspects for which insurance is permissible in Islam?
What are the local customs and traditions that are supportive of Islamic insurance system?
What amendments are needed for the smooth running of Islamic insurance?
What are the problems and prospects of Islamic insurance operating side-by-side with conventional insurance system as separate institutions?
研究问题——RESEARCH PROBLEMS
Nigeria is a country with a large percentage of Muslims but operates a secular form of government. The economic system o
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