It is indeed an evidential phenomena that, the Islamic financial system including takaful products & services are designed & greatly appreciated by the contemporary world of reality as a universal common package for all humanity regardless of one's religion, colour, race, status, gender or nationality. Thus, it (Islamic financial system) shall no longer be treated as a mere religious subject, but a holistic system for all blessed by almighty Allah (swt). Therefore, it may be unjustified to confine the ownership, management, marketing & customers of Islamic financial system within Muslim only.
Hence, it may be submitted that, in the light of the Shari'ah principles: "a non-Muslim shall have the right to promote Takaful products & services in one's capacity as an agent (wakil) or a broker (wasit) among both Muslims and non-Muslims". This is subject to the following conditions:
1. A non-Muslim who intends to become a Takaful agent must obtain a training certificate on Takaful agency prior to become a Takaful agent (wakil).
2. A non-Muslim agent (wakil) in his/her operations shall always abide by the code of ethics set out by the Shari'ah Advisory Council (SAC) for promoting Takaful products & services.
3. A non-Muslim agent (wakil) shall also be subjected to the public policy set out by the respective government or authorities of the market concerned.
Dear Prof. Dr. Mohd. Ma'sum Billah, my name is Farhana, and i had read your article about Non-Muslim Agent to Promote Takaful? a justified reality....Therefore do you mind if i want to ask you about this topic?
ReplyDeleteI had been given a task regarding the issue of non-muslim agent in takaful. therefore, i want to ask you in Malaysia, is it really allowed? if takaful agent is non-muslim,then can they convince customer who is muslims?
I really appreciate if Prof answer my question...
Thank you very much.....