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Topik: Harakah Daily

Takaful Malaysia ‘menyamun’ melalui Takaful Motor?

Sumber: Harakah Daily, 14hb Januari 2008

Sebagaimana termaklum, di bawah Akta Pengangkutan Jalan 1987, setiap kenderaan diwajibkan mempunyai perlindungan insuran bagi melindungi para pengguna. Oleh itu setiap pemilik kenderaan berdaftar hendaklah mendapatkan polisi insuran kenderaan motor yang ditawarkan syarikat insuran yang sah sama ada insuran kenderaan motor kovensional atau berlandaskan syariat yang dinamakan Takaful.

Selaras dengan pendirian kerajaan bahawa Malaysia adalah negara Islam dan bagi memenuhi tututan masyarakat Islam dan prinsip kewangan Islam dalam perniagaan insuran, Bank Islam Malaysia menerusi anak syarikat Takaful Malaysia telah menawarkan Skim Insuran Motor Takaful dengan konsep Mudharabah.

Petikan daripada http://www.takaful-malaysia.com/

Al-Takaful is the pact among a group of people, called participants, reciprocally guaranteeing each other; whilst Al-Mudharabah is the commercial profit-sharing contract between the provider or providers of funds for a business venture and the entrepreneur who actually conducts the business. The operation of takaful may thus be envisaged as the profit-sharing business venture between the takaful operator and the individual members of a group of participants who desire to reciprocally guarantee each other against a certain loss or damage that may be inflicted upon any one of them”

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