Guest Commentary:Takaful-Development and Challenges Over 20 Years of its Existence in Malaysia

Kamaruddin Sharif

Abstract


Even though the fundamentals of takaful were laid centuries ago, its modern form only appeared in the last twenty five years. Its growth had been remarkable especially in Malaysia. Despite of the impressive growth rate, its penetration rate compared to that of insurance is still minimal.Being a relatively recent phenomenon, takaful operators need to provide a cediable, effective, efficient and significant alternative against conventional insurers.In order to be more relevant in the marketplace, they need to increase the awareness of the masses, relook at their present distribution channel, keep abreast with the latest technologies, introduce new appopriate products and reposition themselves more as a risk management advocator and these need to be done in earnest and immediately

ABSTRAK

Walaupun asas-asas yang mendasari takaful telah pun digarap berkurun yang lalu, kemunculannya dalam bentuk kini wujud hanya dalam dua puluh lima tahun yang lepas. Kadar pertumbuhannya, lebih-lebih lagi di Malaysia amat mengalakkan.Namun demikian, sekirannya dibandingkan dengan insurans, kadar dengan penembusan takaful di pasaran masih lagi kecil. Sebagai satu fenomena yang baru secara relatifnya, pengendali-pengendali takaful perlu menyediakan satu alternatif yang menyakinkan, efektif, efisien dan signifikan setanding dengan insurer-insurer sedia ada. Untuk menjadikan mereka lebih relevan di pasaran, pengendali-pengendali ini perlu meningkatkan kesedaran masyarakat mengenai takaful, mengkaji balik saluran-saluran pengeluaran sedia ada, sejajar dengan insurer-insurer lain dalam penggunaan teknologi terkini, menyediakan produk-produk baru yang sesuai serta memposisikan diri mereka sebagai pengamal pengurusan risiko dan pekara-pekara ini perlu ditangani secara serius dan segera.


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