Penggunaan Dana Dari Asuransi Kecelakaan PT Jasa Raharja Surabaya Perspektif Fiqh Mawaris
DOI:
https://doi.org/10.30651/mqsd.v6i1.994Abstrak
Penelitian dengan judul Penggunaan Dana Dari Asuransi Kecelakaan
PT. Jasa Raharja Surabaya Perspektif Fiqh Mawaris (Studi Kasus Keluarga
Korban Kecelakaan Maut Di Surabaya) merupakan penelitian lapangan pada
keluarga korban kecelakaan maut yang mendapatkan dana santunan dari PT. Jasa
Raharja Surabaya.
Penggunaan dana dari asuransi kecelakaan oleh ahli waris belum tepat
sasaran dan belum sampai kepada ahli waris yang berhak. Hal ini diketahui dari
pemaparan keluarga korban yang menggunakan dana tersebut untuk pemenuh
kebutuhan sehari-hari, sedangkan dana tersebut merupakan harta waris yang harus
dibagi kepada ahli waris lain yang berhak dengan bagian-bagian mereka masing-
masing.
Hasil penelitian menunjukkan bahwa dana santunan dari asuransi
kecelakaan PT. Jasa Raharja dalam perspektif fiqh mawaris merupakan harta
waris yang wajib dibagi kepada ahli waris berdasarkan bagian-bagiannya menurut
syara’. Sedangkan dalam hal pengelolaan terkait dengan ahli waris sebagaimana
telah ditentukan dalam UU No. 33 Th 1964 Jo PP No. 17 Th 1965 dan UU No.
34 Th 1964 Jo PP No. 18 Th 1965 yaitu ahli waris adalah anaknya, janda/dudanya
dan/atau orang tuanya bila dilihat dari fiqh mawaris adalah kurang tepat sasaran,
dimana masih ada ahli waris lain yang juga mempunyai kesamaan hak untuk
mendapatkan harta waris tersebut.
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