Author: Adam Haris

Yes, non-Muslims can buy takaful products. While takaful is based on Islamic principles, it is open to everyone regardless of their religion. The ethical principles, transparent profit-sharing, and mutual cooperation model of takaful make it an attractive alternative to conventional insurance for both Muslims and non-Muslims seeking ethical financial protection Can Non-Muslims Participate In Takaful? Takaful is available to everyone regardless of their religious beliefs. The system’s ethical principles and transparent operations make it an attractive choice for anyone seeking financial protection based on mutual cooperation. Many non-Muslims choose takaful for its ethical investment approach and profit-sharing model, which aligns…

Yes, individuals with autism can generally apply for takaful coverage, though acceptance may depend on various factors including the type of coverage sought, the severity of the condition, and the specific takaful operator’s underwriting policies. Many takaful operators offer coverage for individuals with autism, particularly for medical and family takaful plans, but there may be certain conditions, exclusions, or modified terms. What Types Of Takaful Coverage Are Available? Medical and Family Takaful plans are typically available for individuals with autism. These plans can provide coverage for medical expenses, hospitalization, and various therapies depending on the policy terms and operator. Some…

Takaful is often considered more favorable than conventional insurance due to its ethical and religious compliance, transparent profit-sharing model, and community-focused approach. It operates on principles of mutual cooperation where participants share risks collectively rather than transferring risks to an insurance company. The system ensures that investments are ethically managed, surplus profits are distributed among participants, and all operations comply with Islamic law. However, whether takaful is “better” depends on individual needs, religious considerations, and specific financial objectives. What Are The Ethical And Religious Benefits? Takaful operates in full compliance with Islamic law (Shariah), avoiding prohibited elements such as riba…

To cancel your Etiqa Takaful insurance, you can contact Etiqa’s Customer Service at 1-300-13-8888 or visit any Etiqa branch. You will need to submit a cancellation request form and provide your policy details. For online cancellation, you can email documents to [email protected]. Remember that cancellation may be subject to terms and conditions, including potential charges or refund calculations based on your policy type and duration What Are The Available Cancellation Methods? You can cancel your Etiqa Takaful insurance through multiple channels. The most direct method is visiting any Etiqa branch in person. Alternatively, you can call their Customer Service at…

Tabarru’ in takaful is a fundamental Islamic concept meaning ‘donation’ or ‘contribution,’ where participants voluntarily contribute to a mutual fund to help other participants in times of need. This donation is made with the explicit intention of providing mutual help and solidarity, not for commercial gain. It forms the core principle that makes takaful Shariah-compliant by transforming what would otherwise be a commercial risk exchange into a system of mutual cooperation and brotherhood. Participants agree upfront that their contributions will be treated as donations, removing the element of uncertainty (gharar) that exists in conventional insurance. The tabarru’ funds are managed…

The fundamental difference between takaful and conventional insurance lies in their core principles and operational structures. Takaful is based on Islamic principles of mutual cooperation (ta’awun) and donation (tabarru’), where participants contribute to a shared risk pool to help each other in times of need. Conventional insurance, however, operates on a risk transfer model where the policyholder pays premiums to transfer their risk to the insurance company. The key distinctions include how funds are managed, invested, and distributed. Takaful must comply with Shariah law, avoiding elements of riba (interest), gharar (uncertainty), and maysir (gambling), while conventional insurance has no such…

The main difference between motor takaful and motor insurance lies in their fundamental operating principles and structures. Motor takaful is based on Islamic principles of mutual cooperation (ta’awun) where participants contribute to a shared pool (tabarru’) to help each other in times of vehicular loss or damage. In contrast, conventional motor insurance operates through a direct risk transfer from the policyholder to the insurance company in exchange for premiums. While both provide vehicle coverage, takaful emphasizes collective risk-sharing and must comply with Shariah law, avoiding elements of riba (interest), gharar (uncertainty), and maysir (gambling). A key operational distinction is that…

Takaful is an Islamic insurance concept based on the principles of mutual cooperation (ta’awun) and donation (tabarru’), where participants contribute money into a pooling system to guarantee each other against specific losses or damages. Unlike conventional insurance, Takaful operates in accordance with Shariah law, avoiding elements of riba (interest), gharar (uncertainty), and maysir (gambling). The concept is rooted in ancient Arab tribal practices where members would contribute to a fund that would help any tribe member in times of need. This traditional practice was later formalized and structured to meet modern insurance needs while maintaining compliance with Islamic principles. How…

Perbezaan utama antara pembiayaan dan pinjaman terletak pada prinsip asas, konsep pemberian, perkongsian risiko, dan ciri-ciri kontrak seperti pemilikan aset, tempoh pembayaran, dan penamatan awal. Pembiayaan berlandaskan prinsip Syariah dan melibatkan perkongsian risiko, manakala pinjaman berdasarkan sistem konvensional yang mengenakan faedah dan membebankan risiko sepenuhnya kepada peminjam. Perbezaan Pembiayaan dan Pinjaman Berikut adalah maklumat lanjut berkenaan 10 perbezaan antara pembiayaan dan pinjaman: Asas Pemberian Pembiayaan diberikan berdasarkan prinsip Syariah, manakala pinjaman pula berdasarkan sistem konvensional yang lazimnya melibatkan faedah. Pembiayaan Islam tidak melibatkan unsur riba (faedah), gharar (ketidakpastian), dan maysir (perjudian). Sebaliknya, pinjaman konvensional kebiasaannya melibatkan faedah yang dikenakan ke…

Spam merupakan mesej atau komunikasi yang tidak diminta dan dihantar secara besar-besaran kepada ramai penerima. Istilah ini pada asalnya merujuk kepada jenama daging yang diproses, tetapi kini telah berkembang untuk menggambarkan sebarang bentuk komunikasi yang tidak diingini, terutamanya dalam konteks digital. Perkataan ‘spam’ mula digunakan dalam konteks teknologi pada tahun 1980-an, diambil daripada sketsa komedi Monty Python yang memaparkan menu restoran yang dipenuhi dengan Spam. Apakah Jenis-Jenis Spam Yang Biasa? Spam boleh wujud dalam pelbagai bentuk seperti e-mel, komen, SMS dan paparan iklan. Antara yang paling lazim ialah e-mel spam yang mengandungi iklan, tawaran palsu, atau cubaan penipuan. Selain itu,…