اسلام کا نظام تکافل اور متاثرہ افراد کا معاشی تحفظ ( تاریخی تناظر میں اطلاقی مطالعہ)

Islamic system of insurance and the security of the victims in it

Abstract

In the case of emergency, the people have to face economic problems. They need the help from the others. It is very necessary to save the lives of the people from starvation. Islam gives guidance to solve the problems of the effects. The responsibility of the government on national disasters has been discussed in this article. It not only shows the Islamic salvation of economic disasters but also tells the power and authority of an Islamic state to give the economic relief to the public; such as to spend from national treasury, to enforce additional taxes and to transfer Zakat to the effected people. Model role of Islamic rulers especially in emergency has been mentioned and analyzed. The role of Islamic society to coop with the calamities have been also described.

Takaful is the name given to a system based on the principle of mutual assistance and cooperation as an alternative to conventional insurance. In which a Shariah framework has been developed to achieve the objectives related to conventional insurance. Although the practical forms of Takaful are modern, they do not contradict Islamic principles. The following is an introduction to the Islamic system of Takaful and an applied study of the economic security of the affected people in the light of Islamic law. It is a good idea to take precautionary measures against possible future risks. Islam not only allows such a move but also sometimes encourages it. If it is studied from a historical perspective, many incidents are recorded in this regard, which are presented in the following article as a historical perspective