Difference between revisions of "Islamic Finance & Investment Symposium by Sohail Jaffar"

From HodHood
Jump to: navigation, search
(Imported from text file)
 
m (Text replacement - "http://45.40.136.134/~hodhood/" to "https://www.hodhood.com/en/")
 
(2 intermediate revisions by the same user not shown)
Line 1: Line 1:
The Role of International Insurance Companies
 
  in the opening of frontiers: development of
 
                      new products
 
                          (Takaful)
 
                        Sohail Jaffer
 
                    Partner, FWU Group
 
    FWU group won the Euromoney Islamic Finance Award
 
  for being the "Best Islamic white label service provider“.
 
  
Contents
 
 FWU’s International Business Model
 
 International Bank Distribution and Strategic Product
 
  Partners
 
 Product Highlights and customer benefits
 
 Dynamic Fund Selection and Allocation Model
 
 FWU’s Value Added
 
 FWU’s Retakaful Pooling Arrangement
 
 FWU Group
 
                                                        2
 
  
FWU’s definition of Bancassurance
 
                      «Bancassurance is defined as
 
                      the delivery and distribution of
 
                      a suitable range of tailored
 
                      ‘bankable’ protection and long
 
                      term savings and pension
 
                      products designed to meet the
 
                      lifecycle  needs        of  the
 
                      customer base of a bank or
 
                      other financial institution.»
 
                                                    3
 
  
FWU-GROUP‘s Core Business Competencies
+
== Top 20 FREQUENT WORDS ==
      Bancassurance - Asset Management - Factoring
+
fwu 56
              Germany
+
international 21
  Luxembourg                    The      group  is  well
+
model 21
                  Austria      positioned to meet the life
+
customer 17
  Italy                        assurance,      investment
+
partners 15
            France
+
distribution 13
                    Saudi Arabia
+
allocation 12
                                and pension needs of
+
dynamic 12
                                institutional and private
+
fund 12
    United Arab Emirates        clients in Europe, Middle
+
arrangement 11
                    Kuwait      East and Asia with state of
+
benefits 11
            Pakistan            the art bancassurance &
+
pooling 11
            Malaysia
+
retakaful 11
                                Shari‘a compliant      Life
+
selection 11
                                products.
+
strategic 11
                                                            4
+
asset 10
 +
business 10
 +
management 10
 +
takaful 10
 +
added 9
 +
insurance 9
  
FWU Group’s International Business Model
 
                                                   Strategic Product
 
     Clone international
 
        Bancassurance                                  Partners
 
            success
 
                                FWU Shari’ah Board
 
                                      &
 
                                    Expertise               Structured asset
 
                                                              management approach
 
       Product &
 
      process innovation             Web-based POS &
 
                                        Admin System
 
 customer convenience                       commission factoring solution
 
 tailored ‘white label’ solutions           exclusive Retakaful solution
 
 quality training and sales support         selection of service providers incl.
 
                                                custodian bank
 
                                                                                    5
 
  
Benefits of ‘White label’ Bancassurance Solution
 
 Tailored customer                                           Bank defines own
 
        solutions                                                commission level
 
                              Bank offers choice of
 
                                both conventional
 
                              Bancassurance and
 
                                Takaful products               Structured asset
 
 Seamless integration
 
                                                                  mgt. approach
 
  into Bank’s own brand
 
                                                                  linked to open inv.
 
                                                                  architecture
 
                    Bank has choice to participate in other
 
                    modules of the service value chain
 
                    (custodian, brokerage, transaction banking)
 
                                                                                      6
 
  
Contents
+
== DOCUMENT KEY POINTS ==
 FWU’s International Business Model
+
*fwu group s international business model if strategic product if clone international bancassurance partners success fwu shari ah board expertise if structured asset management approach if product process innovation if web based pos admin system if customer convenience if commission factoring solution if tailored a white label solutions if exclusive retakaful solution if quality training and sales support if selection of service providers incl
 International Bank Distribution and Strategic Product
+
*custodian bank
  Partners
 
 Product Highlights and customer benefits
 
 Dynamic Fund Selection and Allocation Model
 
 FWU’s Value Added
 
 FWU’s Retakaful Pooling Arrangement
 
 FWU Group
 
                                                        7
 
  
    FWU Group‘s international Bank distribution and
+
*benefits of a white label bancassurance solution if tailored customer if bank defines own solutions commission level bank offers choice of both conventional bancassurance and takaful products if structured asset if seamless integration mgt
    Strategic product partners
+
*architecture if bank has choice to participate in other modules of the service value chain custodian brokerage transaction banking
                                        Bank Distribution Partners
 
                                                                       FWU's existing distribution partners
 
Al Safat Takaful                                                        include: NCB in KSA and ADCB in
 
      Company                                                            UAE
 
      Kuwait
 
                                              Bank Customers
 
EFU Life Insurance                                                                        Aman Insurance
 
                                                                                                UAE
 
        Pakistan
 
    Takaful Ikhlas                                                                        Al Ahli Takaful
 
                                                                                              Company
 
      Malaysia                      Bank is Custodian of all customer
 
                                                                                                KSA
 
                                        funds in the Savings Plan
 
 Product administration,                                                       New product development,
 
  and claims management                                                         Product launch support
 
                                                                                 Product management,
 
 Customer statements                                                            Marketing & Training
 
                                      Local Life                                  support
 
 Financial accounting
 
                              Insurance Product Partner                         Structured asset mgt.
 
 Filing with local regulatory                                                    apporach
 
  authorities                                                                   Systems support to
 
                                                                                  Strategic Product Partner
 
                                                      FWU Int. Network            and Bank Distribution
 
                                                          Dubai, KL              Partner
 
                                                                                 Product enhancements &
 
                                                        & Luxembourg              Shari’ah compliance
 
                                                                                                          8
 
  
Contents
+
*fwu groupa s international bank distribution and strategic product partners bank distribution partners i fwu s existing distribution partners al safat takaful include ncb in ksa and adcb in company uae kuwait bank customers efu life insurance aman insurance uae pakistan takaful ikhlas al ahli takaful company malaysia bank is custodian of all customer ksa funds in the savings plan i product administration i new product development and claims management i product launch support i product management i customer statements marketing training local life support i financial accounting insurance product partner i structured asset mgt
 FWU’s International Business Model
+
*i filing with local regulatory apporach authorities i systems support to strategic product partner fwu int
 International Bank Distribution and Strategic Product
 
  Partners
 
 Product Highlights and customer benefits
 
 Dynamic Fund Selection and Allocation Model
 
 FWU’s Value Added
 
 FWU’s Retakaful Pooling Arrangement
 
 FWU Group
 
                                                        9
 
  
Main product features and customer benefits
+
*fwua s dynamic fund selection and allocation model fund selection process i based on funds returns risk and correlation amongst each other funds are ranked from best to worst each fund is given a score based on its ranking
FWU Group‘s "White Label" Savings, Education and Retirement Plans –
+
*i using the above rankings top eight funds are selected
Product Highlights
 
              Product features                            Customer Benefits
 
   Plan benefits are available to all bank
 
                                                 All bank customers are insurable
 
    customers
 
   No medical examination of bank
 
                                                 Eliminates important psychological
 
    customer required (up to a defined
 
                                                  barrier
 
    limit)
 
   Transparent and cost efficient
 
                                                 Greater customer comfort
 
    structure
 
   Accelerated sales process using
 
                                                 Immediate risk cover for bank
 
    FWU’s Point of Sale and
 
                                                  customer
 
    Administration technology
 
   Plan benefits are available
 
                                                 Bank customer convenience
 
    immediately to all bank customers
 
                                                                                      10
 
  
Bank Annuity Income: Attractive Dynamics
+
*factoring gmbh services gmbh company management ag luxembourg luxembourg international hq munich munich jeddah ksa hamburg branch dubai regional hq me branch vhv ifc international finance national commercial vhv versicherungen cooperation bank versicherungen bolzano hanover washington jeddah ksa hanover branch kuala lumpur regional hq fe
                              Bank Income Growth – 5 year period
+
*ag partners munich fwu ag munich luxembourg dubai kuala lumpur atlanticlux life premium select branch luxemburg fwu commission fwu payment al ahli takaful wave asset insurances s
                      7,000
 
                      6,000
 
        USD ('000)
 
                      5,000
 
                      4,000
 
                                                                                    Conservative
 
                      3,000                                                        Average
 
                                                                                    Best
 
                      2,000
 
                      1,000
 
                      -
 
                              Year 1  Year 2  Year 3    Year 4      Year 5
 
                                                                              Conservative        Average  Best
 
  Base Assumptions:
 
  Number of Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    25,000            40,000  50,000
 
  Average duration                            15 years
 
  Average monthly contribution                $ 200
 
  Lapsation rate                              2 to 10 % p.a
 
  Fund growth rate                            7 % p.a
 
                                                                                                                      11
 
  
Cumulative Bank Income over a 5 year period
+
*fwu group a profile i the fwu group is an entrepreneurial financial services group with headquarters in munich germany
                      20
+
*i group shareholders include ge frankona re ag an international reinsurer and european banks and insurance companies
    US $ in Millions
 
                      15
 
                      10
 
                      5
 
                        0
 
                      Conservative  Average  Best  12
 
  
Contents
+
*jaffer fwugroup dot com tel a fax a internet the information in this presentation does not constitute a sales offer investment advice or an offer for the acquisition of financial products or instruments and shall not in this regard imply legal obligations for the fwu group or anybody else towards the readers of this presentation
 FWU’s International Business Model
+
*this presentation is solely intended to provide information on matters of interest for the readers and such information is not meant to replace the knowledge and the judgment of the readers who should make all appropriate inquiries
 International Bank Distribution and Strategic Product
 
  Partners
 
 Product Highlights and customer benefits
 
 Dynamic Fund Selection and Allocation Model
 
 FWU’s Value Added
 
 FWU’s Retakaful Pooling Arrangement
 
 FWU Group
 
                                                        13
 
  
Structured Asset Management Approach
 
Objective                              Agreed funds
 
Investment                                target universe
 
  process
 
                          FWU’s fund
 
                          selection and
 
                            allocation
 
                              model
 
Overweights the winners &              Enhance return by
 
underweights the losers                  15% to 25% p.a
 
                                                          14
 
  
  FWU‘s Dynamic Fund Selection
+
''Please note, This is an auto generated summary based on sentances position in the document and other factors''
  and Allocation Model
+
== DOCUMENT WORD ANALYSIS ==
Fund Selection Process
+
=== Main Category ===
 Based on Funds’ returns, risk and
+
: AlHuda Material\takaful
  correlation amongst each other,
 
  funds are ranked from best to
 
  worst => Each fund is given a
 
  score, based on its ranking.
 
 Using the above rankings
 
  => Top eight funds are selected.
 
                                    15
 
  
FWU‘s Dynamic Fund Selection
 
and Allocation Model
 
Allocation model (key value added)
 
                                     Overweighting of the outperformer
 
 Underweighting of the underperformer
 
                                                                      16
 
  
Investment Proposal for Regular and Single Premium
+
=== KeyWords ===
Savings Plans
+
taka islam insur malaysia productdeferred shariah countries muslim financial retakaful model growth custom partner developed service mutual bankable provided scheme
      FWU‘s Dynamic Fund Select & Allocation Model
 
  Strategy 1      Strategy 2        Strategy 3        Strategy 4
 
Conservative        Balanced            Growth          Dynamic
 
    Portfolio        Portfolio          Portfolio        Portfolio
 
              Investment in External Islamic Mutual Funds
 
                    Launched as internal funds of
 
                  FWU‘s local Takaful Product Partner
 
                                                                    17
 
  
Investment Advantages of Pooling
 
    Conservative          Balanced  Growth              Dynamic
 
      portfolio            portfolio portfolio            portfolio
 
          25:75              50:50    80:20                  0-100
 
                                                Cash
 
Custodian                                  Equivalent
 
Bank
 
                Equity Pool
 
                                                Pool
 
                                        Direct Investment in:
 
                                         Sukuk
 
                                         Murabaha
 
                                         Trade-Finance            18
 
  
Contents
 
 FWU’s International Business Model
 
 International Bank Distribution and Strategic Product
 
  Partners
 
 Product Highlights and customer benefits
 
 Dynamic Fund Selection and Allocation Model
 
 FWU’s Value Added
 
 FWU’s Retakaful Pooling Arrangement
 
 FWU Group
 
                                                        19
 
  
The value added – why FWU Group
+
== RELATED DOCUMENTS ==
ENTREPRENEURIAL                                    INNOVATION
+
:[[A Review of Takaful by Prof. Khawaja Ahmed Saeed]]
    PARTNER
+
:[[Agency Management,Training and Incentive Programme]]
         Customised           Sophisticated Point of
+
:[[Audit Issue of Islamic Banking]]
          product design        Sale and Administration
+
:[[Banca Takaful by Faisal Shahzad Abbassi]]
                                System
+
:[[Best Practices from e- Insurance to e-Takaful by Sami Guello]]
         Product training
+
:[[Calculated Risks, Measurable Results]]
                               Dynamic funds select and
+
:[[Challenges & Issues Faced by Takaful Industry by Mr. Imtiaz ]]
          and sales support
+
:[[Co-Operative Insurance and Takaful]]
                                allocation model
+
:[[Current Achievements of Takaful by Dr. S. J Malaikah]]
         Business simulation
+
:[[International Cooperative & Mutual Insurance Federation]]
          model               Cost efficient Agency structure
+
:[[Islamic Banking And Finance Malaysia’s Experience And Achiev]]
         Regional service     Unique Retakaful arrangement
+
:[[Islamic Finance & Investment Symposium by Sohail Jaffar]]
          hubs
+
:[[Islamic Insurance in 21st Century by Ahmad Feizal]]
                                                                20
+
:[[Islamic Insurance Opertunities and Challenges]]
 +
:[[Issues and Challenges in Retakaful by Azman Ismail]]
 +
:[[Leveraging BancaTakaful as a Key Growth Channel by Mr. Rohai]]
 +
:[[Life Family Takaful by Mr. P Ahmed]]
 +
:[[Micro Insurance Co-Operative and Takaful]]
 +
:[[Micro Takaful by Shabir Patal]]
 +
:[[Microinsurance and Takaful]]
 +
:[[Microinsurance, cooperatives and Takaful]]
 +
:[[MicroTakaful – the way forward by Capt. M. Jamil Akhtar]]
 +
:[[Opertunities in Islamic Insurance]]
 +
:[[Present Scenario and Future Potentials of Takaful by Kazi Md]]
 +
:[[ReTakaful by Rohail Ali Khan]]
 +
:[[Syariah Compliant General Takaful Products by Sami Guellouz]]
 +
:[[Takaful and Mutuality by Mohd. Masua Billah]]
 +
:[[Takaful by Abdul Rahim]]
 +
:[[Takaful for Microfinance]]
 +
:[[Takaful Opperunities and Challenges By Azeem Pirani]]
 +
:[[Takaful Products Family Takaful Linked Investment Plans by S]]
 +
:[[Takaful World Prospective Middle East & North Africa]]
 +
:[[Takaful]]
 +
:[[Takful - Zubair Mughal]]
 +
:[[Takful Report]]
 +
:[[The Islamic Vision Presentation]]
 +
:[[The Success of Retakaful by Farid Benbouzid]]
  
Contents
 
 FWU’s International Business Model
 
 International Bank Distribution and Strategic Product
 
  Partners
 
 Product Highlights and customer benefits
 
 Dynamic Fund Selection and Allocation Model
 
 FWU’s Value Added
 
 FWU’s Retakaful Pooling Arrangement
 
 FWU Group
 
                                                        21
 
  
FWU-Group‘s Exclusive Retakaful Pooling Arrangement
 
                                                                            Hannover Re
 
                                                                              („AAA rated“,
 
                                                                                3rd largest
 
    FWU – GROUP                                                              life Reinsurance)
 
                                          Pooling
 
                Administrator                                  Wakeel/Trustee
 
              -Data processing        Arrangement            - Fee  Basis
 
                and administration                            - 100% profit redistribution
 
                Asset Management                              - Quard Hasna
 
                                                              - Shari‘ah compliant Investments
 
    Establishment of insurance provider through joint venture or strategic cooperation
 
                                          agreement
 
                                Dubai Islamic                    Eastern
 
Insurance      Al Ahli Takaful
 
                  Company      Insurance &  Al Safat Takaful    Federal
 
                                                                                  Takaful
 
                                                                                    Ikhlas
 
Partners        NCB/FWU / IFC  Reinsurance      Company        Union Life
 
                                                                                  SDN BHD
 
                                  AMAN                            EFU
 
                Bank distribution partners in the following markets
 
                      KSA          UAE          Kuwait      Pakistan        Malaysia
 
Distribution-    The National    Abu Dhabi
 
                Commercial Bank  Commercial      Major Bank    Major Bank    Major Bank
 
Partners            Jeddah          Bank
 
                                                                                              22
 
  
Contents
+
== DOCUMENT REFERENCES ==
 FWU’s International Business Model
 
 International Bank Distribution and Strategic Product
 
  Partners
 
 Retakaful Pooling Arrangement
 
 Structured Asset Management Approach
 
 FWU’s Value Added
 
 FWU’s Retakaful Pooling Arrangement
 
 FWU Group
 
                                                        23
 
  
FWU-GRUPPE
 
An entrepreneurial and institutional partnership
 
                                    Dr. Manfred J. Dirrheimer and                                                        Swiss Re Frankona
 
                                                                                                                            Rückvers. AG,
 
                                                    Partners                                                                      Munich
 
                                                                        95%                                                  5%
 
                                                            FWU AG
 
                      Munich, Luxembourg, Dubai, Kuala Lumpur
 
          74,9%                80%                                    100%                    100%              13,25%                10%
 
ATLANTICLUX Life      PREMIUM SELECT    Branch Luxemburg  FWU Commission            FWU Payment          Al Ahli Takaful        Wave Asset
 
  Insurances S.A.          LUX S.A.                          Factoring GmbH          Services GmbH            Company            Management AG
 
    Luxembourg            Luxembourg      International HQ        Munich                  Munich              Jeddah, KSA            Hamburg
 
                  25,1%  25,1%              Branch Dubai                      13,25%                            30%          7,5%    90%
 
                                          Regional HQ ME
 
    Branch                  VHV                            IFC International Finance        National Commercial                  VHV
 
                        Versicherungen,                            Cooperation                      Bank,                    Versicherungen,
 
    Bolzano
 
                            Hanover                                Washington                    Jeddah, KSA                    Hanover
 
                                            Branch Kuala
 
                                                Lumpur
 
                                            Regional HQ FE
 
                                                                                                                                            24
 
  
FWU Group – Profile
+
=== Number of Pages ===
 The FWU Group is an entrepreneurial financial services group with
+
26
  headquarters in Munich, Germany.
 
 Further offices are located in Luxembourg and Dubai Internet City (DIC).
 
 Group shareholders include GE Frankona Re AG, an international re-
 
  insurer, and European banks and insurance companies.
 
 Core activities are Bancassurance, Savings & Pension Plans and Asset
 
  Management.
 
 Group subsidiaries include:
 
  – an Asset Management Company (PREMIUM SELECT LUX S.A.)
 
  – a Life Insurance Company (ATLANTICLUX S.A.)
 
  Both are based and regulated in Luxembourg.
 
                                                                        25
 
  
Contact
+
 
                                        Mr. Sohail Jaffer
+
=== Published Date ===
                                      Partner, FWU Group
+
2016-09-17 01:18:08
                                        2, Rue Sainte Zithe
+
 
                                        L-2763 Luxembourg
+
 
                                Email: s.jaffer@fwugroup.com
+
== Full Document ==
                                    Tel: +352 – 2 61 97 700
+
 
                                    Fax: +352 – 2 61 97 800
+
 
                                Internet: www.fwugroup.com
+
[https://www.hodhood.com/en/HodHoodDocuments/IslamicFinance/Takaful/Islamic%20Finance%20&%20Investment%20Symposium%20by%20Sohail%20Jaffar.pdf Read the Full Document]
The information in this presentation does not constitute a sales offer, investment advice or an offer for the
+
 
acquisition of financial products or instruments, and shall not in this regard imply legal obligations for the
+
 
FWU Group or anybody else towards the readers of this presentation.
+
[[Category:Islamic Finance]]
This presentation is solely intended to provide information on matters of interest for the readers and such
+
 
information is not meant to replace the knowledge and the judgment of the readers who should make all
+
[[Category: Takaful]]
appropriate inquiries.
 
                                                                                                              26
 

Latest revision as of 07:04, 11 November 2017


Top 20 FREQUENT WORDS

fwu 56 international 21 model 21 customer 17 partners 15 distribution 13 allocation 12 dynamic 12 fund 12 arrangement 11 benefits 11 pooling 11 retakaful 11 selection 11 strategic 11 asset 10 business 10 management 10 takaful 10 added 9 insurance 9


DOCUMENT KEY POINTS

  • fwu group s international business model if strategic product if clone international bancassurance partners success fwu shari ah board expertise if structured asset management approach if product process innovation if web based pos admin system if customer convenience if commission factoring solution if tailored a white label solutions if exclusive retakaful solution if quality training and sales support if selection of service providers incl
  • custodian bank
  • benefits of a white label bancassurance solution if tailored customer if bank defines own solutions commission level bank offers choice of both conventional bancassurance and takaful products if structured asset if seamless integration mgt
  • architecture if bank has choice to participate in other modules of the service value chain custodian brokerage transaction banking
  • fwu groupa s international bank distribution and strategic product partners bank distribution partners i fwu s existing distribution partners al safat takaful include ncb in ksa and adcb in company uae kuwait bank customers efu life insurance aman insurance uae pakistan takaful ikhlas al ahli takaful company malaysia bank is custodian of all customer ksa funds in the savings plan i product administration i new product development and claims management i product launch support i product management i customer statements marketing training local life support i financial accounting insurance product partner i structured asset mgt
  • i filing with local regulatory apporach authorities i systems support to strategic product partner fwu int
  • fwua s dynamic fund selection and allocation model fund selection process i based on funds returns risk and correlation amongst each other funds are ranked from best to worst each fund is given a score based on its ranking
  • i using the above rankings top eight funds are selected
  • factoring gmbh services gmbh company management ag luxembourg luxembourg international hq munich munich jeddah ksa hamburg branch dubai regional hq me branch vhv ifc international finance national commercial vhv versicherungen cooperation bank versicherungen bolzano hanover washington jeddah ksa hanover branch kuala lumpur regional hq fe
  • ag partners munich fwu ag munich luxembourg dubai kuala lumpur atlanticlux life premium select branch luxemburg fwu commission fwu payment al ahli takaful wave asset insurances s
  • fwu group a profile i the fwu group is an entrepreneurial financial services group with headquarters in munich germany
  • i group shareholders include ge frankona re ag an international reinsurer and european banks and insurance companies
  • jaffer fwugroup dot com tel a fax a internet the information in this presentation does not constitute a sales offer investment advice or an offer for the acquisition of financial products or instruments and shall not in this regard imply legal obligations for the fwu group or anybody else towards the readers of this presentation
  • this presentation is solely intended to provide information on matters of interest for the readers and such information is not meant to replace the knowledge and the judgment of the readers who should make all appropriate inquiries


Please note, This is an auto generated summary based on sentances position in the document and other factors

DOCUMENT WORD ANALYSIS

Main Category

AlHuda Material\takaful


KeyWords

taka islam insur malaysia productdeferred shariah countries muslim financial retakaful model growth custom partner developed service mutual bankable provided scheme


RELATED DOCUMENTS

A Review of Takaful by Prof. Khawaja Ahmed Saeed
Agency Management,Training and Incentive Programme
Audit Issue of Islamic Banking
Banca Takaful by Faisal Shahzad Abbassi
Best Practices from e- Insurance to e-Takaful by Sami Guello
Calculated Risks, Measurable Results
Challenges & Issues Faced by Takaful Industry by Mr. Imtiaz
Co-Operative Insurance and Takaful
Current Achievements of Takaful by Dr. S. J Malaikah
International Cooperative & Mutual Insurance Federation
Islamic Banking And Finance Malaysia’s Experience And Achiev
Islamic Finance & Investment Symposium by Sohail Jaffar
Islamic Insurance in 21st Century by Ahmad Feizal
Islamic Insurance Opertunities and Challenges
Issues and Challenges in Retakaful by Azman Ismail
Leveraging BancaTakaful as a Key Growth Channel by Mr. Rohai
Life Family Takaful by Mr. P Ahmed
Micro Insurance Co-Operative and Takaful
Micro Takaful by Shabir Patal
Microinsurance and Takaful
Microinsurance, cooperatives and Takaful
MicroTakaful – the way forward by Capt. M. Jamil Akhtar
Opertunities in Islamic Insurance
Present Scenario and Future Potentials of Takaful by Kazi Md
ReTakaful by Rohail Ali Khan
Syariah Compliant General Takaful Products by Sami Guellouz
Takaful and Mutuality by Mohd. Masua Billah
Takaful by Abdul Rahim
Takaful for Microfinance
Takaful Opperunities and Challenges By Azeem Pirani
Takaful Products Family Takaful Linked Investment Plans by S
Takaful World Prospective Middle East & North Africa
Takaful
Takful - Zubair Mughal
Takful Report
The Islamic Vision Presentation
The Success of Retakaful by Farid Benbouzid


DOCUMENT REFERENCES

Number of Pages

26


Published Date

2016-09-17 01:18:08


Full Document

Read the Full Document