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What is the concept Family Takaful?

When you participate in the family takaful, you will contribute a sum of money to a common takaful fund. You will be entered into an agreement (aqad) for part of your contribution as participative contribution (tabarru ') and partly as a savings and investment. Your contribution in the form tabarru 'will be put into a special account funds Participants (AKP), which will be used to fulfill your responsibilities in helping each other if one of the participants misfortune such as the death or permanent disability. If you survive until the maturity date of the plan, you are entitled to share the net surplus of thefund, (if any). Operator will invest your savings and investment contributions in the Participant Account (AP) and the profit will be shared between you and the operator based on pre-agreed ratio.


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