Di Antara Insurans dan Takaful

[Prunet]

engko nih... dah berapa lama jadik agent ni?

 

[kuhik]

engko nih... dah berapa lama jadik agent ni?

baru jer..

 

[Prunet]

nah... amik hadiah free dari aku utk takaful ko!!!

Monday June 18, 2007

Takaful Ikhlas seeks strategic partners

KUALA LUMPUR: Takaful Ikhlas Sdn Bhd, one of top three players in the local takaful insurance industry, is keen on strategic partnerships with local and foreign Islamic financial institutions.

President and chief executive officer Syed Moheeb Syed Kamarulzaman said the company hoped to find partners to explore opportunities in untapped markets and support its plans to expand overseas.

Moheeb said a few takaful operators, particularly those from West Asia as well as financial institutions locally and abroad, had approached Takaful Ikhlas.

“Some companies have shown interest.

“They have approached us, but nothing has happened so far,” he told Bernama in an interview.

Moheeb said Takaful Ikhlas was looking for partners that could create and add value to the company.

Takaful Ikhlas is wholly owned by Malaysian National Reinsurance Bhd.

Pointing to the takaful penetration rate of 6.1% in Malaysia last year, Moheeb said: “We want to bring in more customers, especially the Malays, to the market.

“We are looking at ways of attracting them by offering creative products and services which suit their lifestyle and finance,” he said. – Bernama

 

[Prunet]

ni pulak.. aku saja promote kat hang!!

PruBSN to fortify local takaful business

By Daljit Dhesi

KUALA LUMPUR: Prudential BSN Takaful Bhd (PruBSN), the sixth takaful company in Malaysia, will in the next couple of years embark on initiatives to strengthen its presence in the local market before going regional.

Chief executive officer Mohamad Salihuddin Ahmad said the next two years would be the foundation-building phase where the company would focus and fortify its position in the Malaysian takaful business.

“For our regional expansion, we will leverage on Prudential's network and expertise in 11 other countries in Asia and adopt the best practices available in these countries.

“But to do that, PruBSN will have to embark on initiatives to strengthen its takaful business in the local market before it leapfrogs overseas,'' he said in an interview.

Mohamad Salihuddin Ahmad: Prudential will leverage on network.
PruBSN is a 49:51 joint venture between Prudential Corp Holding Ltd and Bank Simpanan Nasional (BSN).

One of the company's major initiatives in capturing the local Islamic insurance market would be in trying to educate the public that takaful was not meant only for Muslim policyholders, he noted.

By changing the mindset of the public and incorporating Prudential BSN's corporate values of TRUST, Salihuddin said he was confident it would help the public better understand the importance in having Islamic insurance coverage.

TRUST is the abbreviation for Trustworthy, Respect, Understanding, Smile and Teamwork. He added to date the company had more than 5,000 agents, which about 60% were non-Muslims.

PruBSN which began operations in August, currently had more than 13,000 policyholders – of which again close to 60% were non-Muslims, Salihuddin said.

By having a mixed composition of agents, he said the company wanted to project the message that syariah-compliant insurance was for all races and not a religious investment instrument.

He added that the market for takaful in Malaysia had great growth potential as its penetration rate currently was only close to 5.6% compared with about 40% for life insurance.

On the company's projected growth rate, Salihuddin said in the next three to five years, it was expecting a double-digit compounded annual growth rate.

Another initiative which the company was looking at to strengthen its foothold in the local market was bancatakaful.

He said Prudential's global network and expertise, coupled with BSN's 382 branches and eight million customers, would help the company's takaful business grow moving forward.

 

[kuhik]

nah... amik hadiah free dari aku utk takaful ko!!!

Monday June 18, 2007

Takaful Ikhlas seeks strategic partners

KUALA LUMPUR: Takaful Ikhlas Sdn Bhd, one of top three players in the local takaful insurance industry, is keen on strategic partnerships with local and foreign Islamic financial institutions.

President and chief executive officer Syed Moheeb Syed Kamarulzaman said the company hoped to find partners to explore opportunities in untapped markets and support its plans to expand overseas.

Moheeb said a few takaful operators, particularly those from West Asia as well as financial institutions locally and abroad, had approached Takaful Ikhlas.

“Some companies have shown interest.

“They have approached us, but nothing has happened so far,” he told Bernama in an interview.

Moheeb said Takaful Ikhlas was looking for partners that could create and add value to the company.

Takaful Ikhlas is wholly owned by Malaysian National Reinsurance Bhd.

Pointing to the takaful penetration rate of 6.1% in Malaysia last year, Moheeb said: “We want to bring in more customers, especially the Malays, to the market.

“We are looking at ways of attracting them by offering creative products and services which suit their lifestyle and finance,” he said. – Bernama

yep, ni berita dalam Berita Harian dan Harian Metro tadi..time kasih kerana bitau

 

[kuhik]

baguslah..semoga rakyat Malaysia lebih ramai yang memahami apa itu Takaful dan menyertati Takaful, sumber Bank Negara, hanya 6% baru menyertai Takaful..kan?

 

[Wea Izre]

yeah..itulah yang membezakan ejen takaful ngan ejen konvensional...ada la jugak kesedaran halal haram..

yeah i know, but it still can be argue,aku x salahkan takaful,n itu nama nya khilafiyah

 

[kuhik]

yeah i know, but it still can be argue,aku x salahkan takaful,n itu nama nya khilafiyah

maafkan saya, bleh argue yang dimaksudkan tu dalam aspek maner?

dan juga, khilafiyyah hanya dibenarkan pada perkara furu' (cabang) bukan perkara usul (asas) agama..

kalau dah asas sesuatu benda itu bertentangan dengan Islam dan Haram, takkan nak khilaf lagi..kan?

 

[Wea Izre]

maafkan saya, bleh argue yang dimaksudkan tu dalam aspek maner?

dan juga, khilafiyyah hanya dibenarkan pada perkara furu' (cabang) bukan perkara usul (asas) agama..

kalau dah asas sesuatu benda itu bertentangan dengan Islam dan Haram, takkan nak khilaf lagi..kan?

ahah,takaful ni sbena nye asas nye daripada insurance konvensional jugak,adakah dengan menukar term term drp konvensional kepada term islamik menjadikan benda drp konvensional itu haram dan takaful itu halal???,padahal benda nye sama,satu nama insurance,satu lagi nama takaful.nampak nye ko kena study lg,

 

[kuhik]

ahah,takaful ni sbena nye asas nye daripada insurance konvensional jugak,adakah dengan menukar term term drp konvensional kepada term islamik menjadikan benda drp konvensional itu haram dan takaful itu halal???,padahal benda nye sama,satu nama insurance,satu lagi nama takaful.nampak nye ko kena study lg,

memang betul kata saudara Wea Izre, tapi kurang tepat sedikit. Takaful ialah revolusi daripada sistem insurans konvensional. Kalau diikutkan rentetan sejarah, Takaful pertama di dunia ialah bermula di Sudan, 1979 sedangkan sistem Insurans pertama bermula di England, tahun 1583.

Namun sebenarnya, banyak antara kita tidak mengetahui bahawa konsep asas insurans sudah diamalkan pada zaman Rasulullah SAW sejak 1400 tahun lagi. Masyarakat Arab yang menjalankan perniagaan merentas padang pasir sentiasa berdepan dengan pelbagai risiko seperti sentiasa berdepan dengan pelbagai risiko seperti disamun dan bencana ribut pasir

Oleh itu, untuk berkongsi kerugian, setiap peniaga membuat caruman yang digunakan untuk membayar sebarang kerugian yang tidak diduga. Sekiranya tidak ada kes tuntutan, wnag tersebut akan dipulangkan kembali kepada pencarum.

Setelah berhijrah ke Madinah, Rasulullah SAW memperkenalkan pelbagai konsep bagi memperkuatkan hubungan di kalangan golongan Muhajirin dan Ansar.

Antara konsep yang diperkenalkan Rasulullah SAW ialah mewujudkan sistem 'aqila' yang hampir sama konsepnya dengan amalan insurans sekarang. Setiap orang perlu mencarum untuk satu tabung dinamakan 'al-Kanz'.

Wang tabung itu digunakan apabila berlaku kejadian pembunuhan tidak sengaja, iaitu keluarga mangsa akan menerima pampasan atau 'diyat'. Pembayaran pampasan tersebut bertujuan meringankan beban yang ditanggung oleh keluarga si mati.

Wang tabung juga digunakan untuk tujuan kebajikan umat islam apabila berlaku musibah dan menebus tawanan perang.

Berbalik kepada soalan saudara Wae Izre tadi, adakah menukar term² itu menjadikan sesuatu itu islamik atau tidak. Sebenarnya saudara Wae Izre, Takaful bukan menukar term-term atau istilah, tapi yang ditukarkan ialah cara MUAMALAH dan PENGURUSAN KEWANGAN terutamanya dari segi pelaburan dan ke mana duit dilaburkan.

sila rujuk fatwa Majlis Kebangsaan yang menunjukkan apakah yang menjadi perbezaan besar antara Insurans dan Takaful:

www.e-fatwa.gov.my