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Intro -- Foreword -- Preface -- Acknowledgements -- Contents -- About the Author -- List of Figures -- List of Tables -- Introduction -- Part I: An Overview of Takaful and Re-takaful -- Chapter 1: An Overview of Takaful Products -- 1.1 Introduction -- 1.2 The Takaful Niche -- 1.3 Socio-economic Foundation of Takaful -- 1.3.1 Sincerity (Ikhlas) -- 1.3.2 Shari'ah Principles -- 1.3.3 Moral Attributes -- 1.3.4 Elements of a Takaful Contract -- 1.4 Rational Outlook -- 1.5 Argument for and Against Takaful/Insurance -- 1.6 Misconceptions -- 1.7 Response to the Misconceptions -- 1.8 Further Justifications -- 1.9 Conclusion -- Chapter 2: Re-takaful Products in a Nutshell -- 2.1 Introduction -- 2.2 Re-Takaful Product -- 2.3 Parties to Re-Takaful Contracts -- 2.4 Objectives of Re-Takaful Products -- 2.5 Shari'ah Requirements of Re-Takaful -- 2.6 Principles of Re-takaful -- 2.6.1 Principles of Contract ('Aqd) -- 2.6.2 Principles of Liability -- 2.6.3 Principles of Wakalah (Agencies) -- 2.6.4 Principles of Daman (Guarantee) -- 2.6.5 Principles of Mudharabah -- 2.6.6 Tabarru' -- 2.7 The Corporate Paradigm of Re-takaful -- 2.8 Operational Mechanisms -- 2.9 General Re-takaful Products -- 2.9.1 Fire and Property Re-Takaful -- 2.9.2 Accident Re-Takaful -- 2.9.3 Marine Re-Takaful -- 2.9.4 Automobile Re-Takaful -- 2.9.5 Engineering Re-Takaful -- 2.9.6 Special Risks Re-Takaful -- 2.10 Operational Mechanisms of General Re-takaful Protection -- 2.11 Basis of Operations -- 2.11.1 Mutually Agreed Participation -- 2.11.2 Tabarru' -- 2.12 Conclusion -- Chapter 3: Governing Principles of Takaful and Re-takaful Products -- 3.1 Introduction -- 3.2 Governing Principles of Takaful and Re-Takaful Products -- 3.2.1 General Principles -- 3.2.2 The Qur'an -- 3.2.3 The Sunnah -- 3.2.4 Ijtihad -- 3.2.5 Al-Masalehal-Mursalah -- 3.2.6 Al-'Urf -- 3.2.7 Al-Fiqh -- 3.2.8 Sincerity.

Purpose of this study is to analyze the performance in terms of profit of different takaful models being used in different countries in the world. It is both quantitative and qualitative research. In qualitative research, literatures is reviewed by using content analysis technique. Many takaful models are being used by many takaful operators i.e. Wakala, Wakal-Waqf, Mudharabah,Mudharabah-Wakla. For examining performance of different takaful models of five takaful operators, Secondary data on profit earning from 2008 to year 2017 is taken. Results and graphs represent the higher performance of Abu Dhabi National Takaful working on Mudharabah and Wakala Model which showedhigher profit as compared to all takaful operators. The finding of this study is essential for Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) for ensuring the standardization of the services and structures that could be given within the frame of mutual help. Takaful operators who can also use the above model i.e. Mudharabah and Wakala Model for enhancing their performance in financial market of insurance.Governments should enact a law for operations and rulings of standardized takaful models adopted by takaful operators and liberalize the takaful market via removal of tariff.

Perkembangan industri asuransi di Indonesia makin berkembang, hal ini dapat dilihat dari makin meningkatnya kesadaran masyarakat untuk ikut berasuransi. Menangkap peluang tersebut, maka saat ini banyak perusahaan asuransi bermunculan dengan menawarkan banyak produk dan jenis asuransi yang kompetitif. Asuransi syariah menjadi salah satu pilihan masyarakat yang dianggap sangat diminati karena dianggap lebih baik daripada asuransi konvensional. Dalam praktiknya perusahaan asuransi tidak semuanya memahami prinsip-prinsip dasar asuransi syariah sehingga pada praktiknya tidak sesuai dengan prinsip-prinsip tersebut. Untuk itu perlu ada kajian yang lebih dalam terkait dengan teknis dan prinsip asuransi syariah yang saat ini dijalankan oleh perusahaan-perusahaan asuransi syariah. Maka perlu diketahui pula oleh para nasabah, calon nasabah dan terutama perusahaan asuransi syariah mengenai prinsip General Takaful System (GTS). Diharapkan perusahaan tersebut benar-benar menjalankan prinsip asuransi syariah sesuai dengan Al-Quran, Hadist dan Peraturan Perundang-undangan yang berlaku di Indonesia agar tercapai kesejahteraan bersama.The development of insurance industry in Indonesia is growing, it can be seen from the increasing awareness of the public to participate in insurance. Capturing these opportunities, then the current many insurance companies have sprung up to offer a lot of products and competitive insurance types. Takaful be one of the people who are considered highly desirable because it is considered better than conventional insurance. In practice, insurance companies do not all understand the basic principles of Islamic insurance so that in practice is not in accordance with these principles. For that there needs to be a deeper study related to the technical principles of Islamic insurance which is currently run by insurance companies' sharia. Then it needs to be known also by its customers, prospective customers and especially the Islamic insurance company regarding the principle of General Takaful System (GTS). It is expected that the company is actually running the principles of Islamic insurance in accordance with the Al-Qur'an, Hadist and legislations in force in Indonesia in order achieve common prosperity.

A groundbreaking study of the investment portfolios of takaful companies, their general investment patterns, and their future investments The Islamic finance industry has witnessed remarkable growth over the last decade, and one of the most successful segments-poised for even greater expansion-is the Islamic insurance (takaful) industry. In Takaful Investment Portfolios, distinguished takaful scholar Abdulrahman Khalil Tolefat explores the investment portfolios of takaful companies in both the GCC countries and Malaysia, the tip of Islamic finance industry. Investigating the trends and patterns of investment of takaful companies, the book looks at shareholders as well as general and family funds to determine where these companies are investing today, and where they are likely to invest in the future. Presenting new and novel research on the investment patterns of takaful companies, Takaful Investment Portfolios covers the history of the industry and takaful models and how they work, and presents in-depth studies of both their real-world and desired portfolio investments. Presents unique new research into the investment portfolios of takaful companies in the GCC and Malaysia Examines the gap between desired and actual investment portfolios of takaful companies Explores expected areas for future investment Groundbreaking in its depth, Takaful Investment Portfolios is an unprecedented study of the investments of takaful companies.

Contents: Preface -- Foreword -- Introduction -- Bibliography -- 1. A general introduction to Takaful -- 2. Understanding the pillars of Takaful -- 3. Regulatory framework of Takaful -- 4. Takaful and conventional insurance - a comparison -- 5. Practices of Takaful -- 6. Retakaful and its importance to Islamic finance -- 7. Contemporary issues in Takaful implementation -- Index.

The business of insurance is based on the trust of its policyholders, who expect that their losses will be compensated should the need arise at any time. Thus, sound financial conditions constitute the most important criterion for insurance firms, as well as for takaful operators. Although the policyholder may be the most important source of insurer finance, or a debt holder from an economic point of view through premium payments, the policyholder is not well informed in assessing the financial strength or solvency of the life insurer. Various measures of the solvency of the insurer are used in the industry, such as margin of solvency (MOS), risk based capital (RBC), and claim paying ability (CPA) rating. Unfortunately, none of these can provide information to policyholders on the financial position of the insurer. This is because the MOS and RBC for each insurer is the company's and regulator's confidential information. However, for the CPA rating, it is limited to insurers who wish to be evaluated, and therefore the assessment is not comprehensive. Because of these shortcomings, this study provides a platform for policyholders to get an idea of the solvency of the insurers/takaful operators. Furthermore, this study identifies factors that affect the solvency of the insurers/takaful operators in Malaysia. Using random effects regression on panel data for 2003-2007, it is determined that investment income, total benefit paid to capital and surplus ratio, financial leverage, and liquidity are significantly related to solvency, in which the investment income has a positive relationship, while the other three have a negative relationship. From the results obtained, the policyholders/consumers can assess the insurers' financial strength through the solvency determinants of the insurers/takaful operators, even though the actual level of solvency is not known. To some extent, this information can help policyholders/consumers make smarter choices in choosing the insurers/takaful operators

Kajian berkaitan tahap kesedaran terhadap kepentingan takaful dalam kalangan penjawat awam muslim. Takaful yang difokuskan dalam kajian ini adalah takaful hayat iaitu perlindungan untuk diri sendiri. Skop kajian lebih terbuka iaitu tertumpu kepada komuniti masyarakat Islam yang dibahagikan kepada tiga kelompok responden iaitu penjawat awam, pekerja swasta dan juga pelajar yang berjumlah keseluruhannya ialah 34 orang. Kaedah yang digunakan adalah berbentuk kuantitatif melalui edaran soal selidik secara rambang di kalangan masyarakat Islam. Keputusan yang diperolehi mendapati kesedaran penjawat awam muslim terhadap kepentingan takaful adalah masih pada tahap yang sederhana. Kesimpulannya, masih perlu banyak usaha yang diperlukan untuk memberi kefahaman dan kesedaran yang lebih jelas berkaitan takaful kepada mereka. Kata Kunci: penjawat awam, takaful ABSTRACT This study focus on the level of understanding among the Muslim governnment sector employee on the importance of takaful in their life. The product of takaful studied here is a kind of life insurance. The scope of the study focused on three categories of respondents comprised of employee from government sector and private sectors; and students also included. The number of the respondents were 34 people. The method of the study was a quantitative approach through surveys circulated randomly among the society. The result showed that the employee from the government sector has medium understanding about life insurance takaful. It means that, more effort need to be done to increase the level of their understanding about takaful in general and about life insurance takaful in specific. Keywords: goverment servant, takaful