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Chapter 35
DOI: 10.4018/978-1-7998-0218-1.ch035
ABSTRACT
Takaful is an Islamic insurance contract introduced to substitute the conventional insurance which has
been precluded by nearly all Muslim scholars as it encompasses the components of gharar (uncertainty),
maysir (gambling), and riba (usury). Its feasibility is evidenced after numerous Fatwas were issued by
Fiqh academies and Ulama in its support. Takaful is founded on the basis of cooperation and mutual
aid as it is broadly used in the commercial sector. The Takaful business operation is regulated by the
codes of Shari’ah and by other laws. Many models such as the Wakalah model, Mudharabah model,
and the amalgamation of Mudharabah and Wakalah models have been applied in the Takaful corporate
operation. This chapter explicates the existing implications and future prospects of the Takaful industry
in Malaysia. It ofers a review on Takaful industry in Malaysia and emphasizes issues and challenges,
opportunities, and recommendations.
Takaful in Malaysia:
Emergence, Growth, and Prospects
Monther Eldaia
Universiti Sains Islam Malaysia, Malaysia
Mustafa Bin Mohd Hanefah
Universiti Sains Islam Malaysia, Malaysia
Ainulashikin Binti Marzuki
Universiti Sains Islam Malaysia, Malaysia
Saddam Shatnawi
Universiti Sains Islam Malaysia, Malaysia