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Takaful Potential Demand and Growth التأمين الإسلامي: تطور التأمين الإسلامي (التكافل) واحتمالية نماء الطلب

Author

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  • Zuriah Abdul Rahman

    (Associate Professor Faculty of Business Management, University Teknologi MARA, Shah Alam, Selangor, Malaysia)

Abstract

Takaful is an alternative form of financial instrument to insure assets, liabilities and other personal interests of individuals and organizations. Almost 30 years later, takaful has grown at such a rapid rate and the market has expanded from Western Asia, South Asia, South East Asia, Africa which are predominantly Muslim populated countries and recently has made its appearance in parts of Europe and North America. The impressive growth world wide and potential expansion into new western markets has a strong implication to would-be takaful operators to gear themselves with innovative takaful products and to match the service quality of the traditional insurance market to cater to the close to a billion Muslim market scattered in many parts of the world. التأمين الإسلامي عبارة عن بديل للتأمين المعتاد المعمول به في كل الأنحاء ويهدف لتأمين الممتلكات الشخصية أو ممتلكات المؤسسات والشركات، على مدى الثلاثين سنة الماضية، شهد التأمين الإسلامي نموا ملحوظا وأصبحت سوقه ممتدة من آسيا الغربية إلى جنوبها وجنوب شرق آسيا إلى أفريقيا، خاصة في البلدان التي غالبية سكانها من المسلمين، وعلاوة على ذلك، ومنذ فترة ليست بالطويلة امتد انتشار التأمين الإسلامي ليغطي مناطق في أوربا وأمريكا، هذا التطور الملحوظ للتأمين الإسلامي سيصاحبه نتائج يجب على شركات التأمين الإسلامي التعامل معها من حيث الوصول إلى ما وصل إليه التأمين المعتاد من حيث جودة الخدمة ومن أجل تغطية حاجات بليون مسلم في العالم.

Suggested Citation

  • Zuriah Abdul Rahman, 2009. "Takaful Potential Demand and Growth التأمين الإسلامي: تطور التأمين الإسلامي (التكافل) واحتمالية نماء الطلب," Journal of King Abdulaziz University: Islamic Economics, King Abdulaziz University, Islamic Economics Institute., vol. 22(1), pages 171-188, January.
    • Handle: RePEc:abd:kauiea:v:22:y:2009:i:1:no:3:p:171-188
    DOI: 10.4197/islec.22-1.3
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    References listed on IDEAS

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    1. Rudolf Enz, 2000. "The S-Curve Relation Between Per-Capita Income and Insurance Penetration," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 25(3), pages 396-406, July.
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    Cited by:

    1. Akhter, Waheed & Pappas, Vasileios & Khan, Saad Ullah, 2017. "A comparison of Islamic and conventional insurance demand: Worldwide evidence during the Global Financial Crisis," Research in International Business and Finance, Elsevier, vol. 42(C), pages 1401-1412.
    2. Lester, Rodney, 2014. "Insurance and inclusive growth," Policy Research Working Paper Series 6943, The World Bank.

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