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消费者对该伊斯兰保险增长的态度

时间:2016-02-20 16:45来源:www.ukthesis.org 作者:英国论文网 点击联系客服: 客服:Damien

消费者态度玛拿顶Takaful保险的增长
Consumer Attitudes Towards Growth Of Amana Takaful Insurance


对安全的需求是非常基本的人性。在当今,世界一个人把贸易和商业不能没有保险。没有财务规划和风险管理是不完整的人寿保险。保险,因为它进化的概念最初是在必要的时候相互帮助的安排和痛苦而不是目前普遍使用的风险管理商业命题。

Takaful来源于阿拉伯语这意味着团结,即一组参与者同意彼此之间共同对定义的损失的相互支持。Takaful安排,参与者提供一笔钱全部或部分tabarru”(捐赠)到一个共同基金,它将使用相互协助成员对定义的损失或损害(2006年伊斯兰金融服务委员会报告)

“Takaful”是一种风险管理的概念,是基于相互关系和伙伴关系。当简单的翻译“Takaful”意味着“联合担保”多方参与。它使人们走到一起,共同维护的利益都集中在他们的捐款,这样不幸的几个可能受益于同胞的贡献。因此,他们成为基金的共同所有者,帮助维护自己的利益。“Takaful”的兴起是由于常年需要计划感兴趣的保险无效,不确定性和机会换成透明、公正和互利。“Takaful”是一个伊斯兰保险概念牢牢植根于伊斯兰金融原理,观察伊斯兰法律的规则和条例。这个概念以各种形式已经存在1400多年了。玛拿顶Takaful保险运营始于1998年的在开拓Takaful概念在斯里兰卡。

Changing consumer attitude towards growth of Amana Takaful Insurance——改变消费者态度玛拿顶Takaful保险的增长

Introduction——简介

The need for safety and security is very basic to human nature. In today’s, world one cannot think of trade and commerce without insurance. No financial planning and risk management can be complete without life insurance. The concept of insurance as it evolved initially was an arrangement of mutual help in times of need and distress rather than a business proposition for risk management as practiced today.

Takaful is derived from an Arabic word which means solidarity, whereby a group of participants agree among themselves to support one another jointly against defined loss. In a Takaful arrangement, the participants contribute a sum of money as wholly or partially tabarru’ (donation) into a common fund, which will be used mutually to assist the members against a defined loss or damage (Islamic finance service board report 2006)

"Takaful" is a risk management concept that is based on mutuality and partnership. When simply translated "Takaful" means "Joint Guarantee" in which several parties are involved. It brings people together in a joint effort towards safeguarding the interests of all by pooling in their donations so that the unfortunate few may benefit from the contributions of fellowmen. Thus, they become joint owners of the fund and help safeguard its interests. The rise of "Takaful" was due to the perennial need for a scheme of insurance void of interest, uncertainty and chance to be replaced with transparency, justness and mutual benefit. "Takaful" is an Islamic insurance concept which is firmly grounded in Islamic financial principles, observing the rules and regulations of Islamic law. This concept has been practiced in various forms for over 1400 years. 

Amana Takaful insurance started its operation on 1998 pioneering the Takaful concept in Srilanka. Currently company offers both General and Family insurance solutions. Listed in the Colombo stock exchange and operations have expanded to many part of the country and also in Maldives. Amana Takaful is the first insurance company in Srilanka to pioneer the process of refunding surplus at the end of each policy term. (Amana Takaful Annual Report 2009)

The need of Takaful is currently felt in the market with the introduction of many Islamic financial solutions as well as dedicated Islamic financial Units among the conventional institutions; recently the numbers have been on increasing trend.

Presently Amana Takaful insurance provider in the country and has been in the forefront of spreading the word of the Takaful way of insurance that has grown to be liked by many and revered by all for more than 10years. People's awareness about the Takaful industry in the country has increased during the last decade. Currently Takaful has 18 branches in the country and fully fledge operation in Maldives. With the current peaceful situation in the country economy is expected to grow and Oppurtunities for insurance industry growth is very high. To reap the benefit of the current development Amana Takaful insurance should be equipped with all the resources to face challenges posed by the market.

The purpose——目的

The purpose of the research is to explore the mechanism to change consumer attitude towards growth of Amana Takaful insurance.

Goals of research——目标的研究

To identify the reason for customer purchase of Takaful

Oppurtunities for Takaful Insurance

To Identify The challenges in the market

To Identify the required changes in the company for growth

Importance of the issue——这个问题的重要性


Currently only Takaful operator in the country and being in operation for ten years company profit margin remains very low comparatively to the conventional competitors. Identification of core cause of the situation will be beneficial to plan in long term and identify the appropriate future direction of the company.

Literature Review——文献综述

According to Billah (2001) the objective of Takaful is to diversify the risk among the members. In a practical sense, Takaful can be visualized as a method of joint guarantee among participants against loss and damage that may be inflicted upon any of them. The members of the group agree to guarantee jointly that should any of them suffer a catastrophe received certain amount of money to meet the loss and damage Islam aims at establishing a peaceful society. Peace in the society can be ensured only when there is guarantee against ‘Risk’ (subsistence) for all individual constituting the fund-pooling institute.(责任编辑:anne)



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