#Takaful

[dipinjam]

3 Kepentingan Insurans dan Takaful Untuk Perlindungan

[zaeimabdullah95]

Buka kekayaan kewangan : banding takaful, jaminan esok!

Dapatkan nasihat kewangan & pelaburan : https://forms.gle/K7Peiq4YynpBB9BEA

[sarasbooksonline]

Takaful Islamic Insurance, Concepts and Regulatory Issues, John Wiley & Sons (25 September 2009)

DM for Order sarasbooksonline.com

Contact : +91-9958491228

[theepoetspoem]

[suika-suigetsu]

Uchiha cat 🐈‍⬛

[manofbeskar]

sometimes the sun is a kind boy with a straw hat

[u3pxx]

KISS KISS FALL IN LOVE! 💍💐‼️

my piece for the @aaweddingzine which is now open for leftovers!

extra stuff/commentary under the cut | like what i do? support me on ko-fi ❤️💜

i also ramble a lot more on the behind-the-scenes pdf for this zine that you can also get with your purchase >;^] i also drew some nifty matching icons for the zine! (hint: it's time for divorce)

you know me, i'm incredibly klapollopilled, of course i'm drawing these two suckers for the wedding zine! <3 something about klapollo marriage makes me incredibly emo so i'm very glad for the opportunity to go all out so i can be EXTRA emo about it 😈

if i remember right, i think this idea came to be when i thought about the image of klavier bursting into tears as he lifts up apollo's veil and it all went from there LOL (also so psyched i get to draw him in a barong tagalog <333)

everything got so much more ambitious, though, from that initial idea! i drew like what (i am counting the number of characters in the spread right now as i type) 40-ISH CHARACTERS ALL IN ALL?! (WHAT THE FUCKDFGDHJ) and i even had to cut out some of the characters i originally had in the sketch 😭 (sorry gumshoe, kay, and seb/eustace ....)

i drew this like a year ago and i'm still so proud of this piece! i don't think i can achieve this level of rendering again, it's been so long i forgot how to do it LMAO

(also i can never reopen the file for this thing again bc it makes clip studio want to dieeeee DFSGHDJ so many layers ...)

another thing, i was working on this in tandem with my piece for the mea culpa zine; do you know how funny it is to draw apollo having such a happy moment and then draw him dying 😭 the contrast, the whiplash

that's all i have to ramble about i think, i'm so so so amazed at this zine bc my zinemates truly made some spectacular pieces of art! :"^D if you have the chance, please do check it out! 💗

[mickules]

Happy Pride?

---

[♥] [♥]

Another entry in Taka's accidental adventures in insulting people.

As someone who has an allergy to face-paint I have to duck and weave when folk bring out the rainbow face-paint sticks at pride, and I always have the urge to justify myself...

But no one believes you if you say something like 'I swear, I'm not honophobic! I just have an allergy!'

an "Allergy" indeed...

[moog-enthusiast]

comforting presence

[wszczebrzyszynie]

idea ciebie, archetyp przyjaciela

[nite-puff]

hiro’s birthday was a few days ago, so i decided to use the occasion to finally get a hold on how to draw him, since it’s been a while for me. still a work in progress, but im getting there.

hiro you’re so cool. they (the writers) could never make me hate you.

[cloudabserk]

quick team taka group selfie

[suika-suigetsu]

Small team taka 🤏💕

[fincrew]

Several principles must be adhered to when it comes to Islamic insurance or takaful, one of them being the avoidance of gharar. But what exactly is gharar, and what is its relationship to takaful? Have you ever heard of gharar before? Throughout this article, we will discuss the concept of gharar in detail and explain its significance in the context of takaful.

What Is Gharar?

It is a term used in Islamic jurisprudence to describe a relationship’s ambiguity, uncertainty, and deception. Generally speaking, it is considered haram (forbidden) in Islamic law because it can lead to unjust or risky financial transactions. The following are examples of gharar:

The act of selling something that does not exist

The sale of something without disclosing all of its defects

Selling something without providing the buyer with enough information to decide on the purchase

Avoid Gharar by ensuring that all parties clearly understand the risks and rewards. To achieve this, fully disclose the terms and conditions of a takaful contract and ensure that it has open and transparent management.

Gharar In Traditional Insurance

One of the main reasons traditional insurance isn’t compliant with Islamic law is because it involves elements considered gharar, which are against Islamic practice. Traditional insurance policies, for instance, disclose several exclusions and conditions to the policyholder before the policy is issued. Further, there is no guarantee that they will pay the claims, so the policyholder may only get what they expected when they file a claim. Takaful, on the other hand, is designed to be free of gharar by fully disclosing the terms and conditions of the contract and ensuring that all parties share the risks and rewards equally.

How Takaful Avoids Gharar

The Takaful system is based on cooperation and shared responsibility. A takaful scheme involves the participants pooling their funds together to create a collective fund to pay claims due to their participation. It means the risks and rewards are shared among all participants rather than being borne alone by one individual or business. Additionally, Takaful companies must disclose all of the terms and conditions to their policyholders, including any exclusions or limitations that may apply. As a result, the policyholder can better understand the coverage they are purchasing and the risks that go along with it.

The Bottom Line

Gharar is one of the most critical concepts in Islamic jurisprudence. Takaful can avoid gharar and remain compliant with Islamic law because it discloses all the terms and conditions of the agreement and operates on the principle of cooperation and shared responsibility by providing complete disclosure of the terms and conditions of the contract. Thus, Takaful is becoming a more popular alternative to traditional insurance due to its numerous benefits.