ANALISIS FILOSOFIS TERHADAP URGENSI ASURANSI PEMBIAYAAN BANCASSURANCE DI BANK SYARIAH

The Islamic Banking System is gaining popularity and growing rapidly in Indonesia. The products offered are also widely accepted by the public, such as Murābaḥah, Musyārakah, Muḍārabah, Qarḍ, Ijārah and so on. The discussion about banking and financing is inseparable from risk management as an effort to maintain bank stability. This is based on OJK Regulation Number 65/POJK.03/2016 regarding the Implementation of Risk Management for Sharia Commercial Banks and Sharia Business Units. If this is not done, it will cause financing problems for banks. This problem can be caused by various processes in financing, one of which is from operational aspects such as the risk of default. One of the risk mitigation measures taken by banks is through cooperation with third parties, namely insurance companies. This activity is also known as Bancassurance, which is a collaborative activity between insurance companies and banks. The implementation of risk management in general includes banks being required to register insurance for customers who apply for financing, such as life insurance. It is debatable because in some cases the financing does not require insurance or the insurance clause is optional. So the customer can choose not to pay for life insurance and hand over the responsibility to the heirs if the customer dies. On the other hand, there are other ideas for whose interests financing insurance is basically. In this case, it is the customer who must be burdened by insurance costs while the Bank will receive benefits from the insurance if the customer dies. This research is a library research with a practical-philosophical approach. The method used in this study is a qualitative method. The purpose of this research is to examine and explain the reasons and urgency of financing insurance, especially for banks and customers. The results show that the urgency of financing insurance can be seen from two sides of interest. For bank as the debtor and the customer as the creditor. In general, the urgency of bancassurance for banks is as a business partner and risk transfer. Meanwhile, insurance can provide guarantees and protection for the insured life and financing assets of customers. The main reason for the existence of financing insurance in banking is the risk of default. If the customer dies, the remaining liabilities to the bank will be borne by the insurance company that is the partner of the bank and is not borne by the customer's heirs. Therefore, this insurance brings individual benefits for customers and benefits for banks as public assets