This fatwa acknowledges the Indonesian public's need for financial insurance, but notes that shari'a-friendly insurance agreements must not contain anything that is deliberately misleading, or that pertains to gambling, interest (riba), mistreatment, bribery, non-halal items or immorality.
The fatwa stipulates that two types of contract between a customer and insurance-provider are permissible:
The fatwa also stipulates that a tijarah agreement may be amended to become a tabarru' agreement if the party whose rights are denied voluntarily relinquishes those rights, thereby absolving the party who is yet to execute their obligations. A tabarru' agreement, however, may not be amended to become a tijarah agreement.