There is a pillar in wakalah that if one of the pillars is missing, wakalah may be void or contract occurs. Rukun wakalah is as follows
Muwakil or depute
Muwakil, namely a person or legal entity that entitles the other party representatives, to do some business / specific job. In Takaful, muwakil are customers who represent the Islamic insurance company to administer the premium or contribution.
Vice, ie a person or legal entity who received the rights of representation of muwakil to do some business / specific job. In Takaful, Islamic insurance company acting on behalf of the customer representative.
Muwakkal Iih or something that represented
Muwakkal fiih which represented something to do, whether it be a business or certain jobs such as buying goods and work on specific projects. In Takaful, which is represented tabarru processing, in case of a particular disaster.
Shigat or Lafadz depute
Shigat, namely Lafadz indicating the representatives of muwakil to a representative. This Shigat as Islamic marriage contract in buying and selling.
In addition to the pillars, there are also requirements that must dipernuhi in wakalah, because if the condition = condition is not met, wakalah will be damaged. Terms wakalah is as follows
Muwakil has the power to goods / affair will be represented da able to act on such property. If muwakil not the owner, wakalah is canceled. In Islamic insurance, the customer must be a person who has a prowess in the transaction.
Representatives will be people who have the skills and the power to manage the property. In Takaful Islamic insurance company should have professionalism in managing customer funds.
Terms Muwakal Fiih
Muwakal fiih is something that can be represented by sharia law. Can not be legally sharia. For example, represent the prayers or represent in ablution.
Represented objects is something that should be owned by muwakil
Something that should be known clearly represented.
Dilhat of hand shape, represented objects da tone or absence of legal consequences, wakalah pick some of the following types
The first type: wakalah amah and wakalah khasah
Wakalah amah (public representative)
Which represents a amah wakalah affairs specializing in general without a case or exclude other cases. Public representatives have the right / power to do all affairs, they do not conflict with the law and or for not bringing harm to muwakil.
Wakalah khasah, which represents an affair exclusively to the business represented. For example, represent the only aspects of the sale and purchase and savings and loans only. In this khasah wakalah, representatives are not allowed to work or do something that is not represented to him.