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CRITIQUE ON TAKAFUL MODELS

CRITIQUE ON TAKAFUL MODELS

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Published by Ahmad Saufe Nawi

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Published by: Ahmad Saufe Nawi on Feb 09, 2011
Copyright:Traditional Copyright: All rights reserved

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01/24/2015

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H@L :05WKDK@\B & _L WKDK@\BF_WH[\LV IN WKDK@\B CIGLBV
U_LUK_LG OX
KACKG VK\@L OHN NKZH !?558;;7168(
V\OCHWWLG WI
KVVIFHKWL U_I@LVVI_ G_ AMA ]\_HKA KOG\B _KACKN:
WA
@LO_\K_X ?5;;
 CKVWL_ HN O\VHNLVV KGCHNHVW_KWHIN J_KG\KWL O\VHNLVV VFAIIB @KF\BWX O\VHNLVV CKNKJLCLNW \NHPL_VHWH WLDNIBIJH CK_K CKBKXVHK
 
Hnwrig|fwhin
Wkdk`|b ir kbvi dnizv kv Hvbkchf Hnv|rknfl hv kniwalr Hvbkchf urig|fw wakw albu wi chwhjkwlwal rhvd kng hn wal clknwhcl kpihghnj wal c|vbhc `ric ckdhnj wrknvkfwhin wakw hnpibpl |v|rx
!rhok’(" |nflrwkhnwx !jakrkr( kng ckhvxhr !jkcobhnj( wakw zkv uriahohwlg hn Hvbkc.
Okvhfkbbx" walrl krl wzi `irc i` Hvbkchf Hnv|rknfl !Wkdchn)Wkdk`|b( zahfa krl O|vhnlvvHnv|rknfl !Wkdchn Whmkrh( kng Fiiulrkwhpl Hnv|rknfl !Wkdchn Wkkz|nh(.
Ckmirhwx i` |bkck’
vkhg wal o|vhnlvv hnv|rknfl hv uriahohwlg olfk|vl hw hnpibplv wal lblclnw i` |v|rx" |nflrwkhnwxkng ckhvxhr. Wal fiiulrkwhpl hnv|rknfl aizlplr hv finvhglrlg kv ulrchvvhobl hn Hvbkc. Walokvhv i` wal ulrchvvhohbhwx hv wal finwrkfw |vlg hn wal hnv|rknfl hv k finwrho|whin finwrkfw
!\{|g Wkokrr|’kw(
hv oi|ng wi kfahlpl wal jikb i` albuhnj hnghphg|kbv hn wal ficc|nhwx zaiglkb zhwa ghvkvwlrv kng wi chnhch}l wal o|rgln flrwh`hlg.Hvbkchf Hnv|rknfl ir Wkdk`|b hv k vxvwlc wari|ja zahfa wal ukrwhfhuknwv ginkwl ukrw ir kbb i` walhr ginkwhinv
!wkokrr|’(
zahfa krl |vlg wi ukx fbkhcv `ir gkckjlv v|``lrlg ox vicl i` wal
 ukrwhfhuknwv. Wal ficuknx’
v ribl hv finvwrkhnlg wi cknkjl wal hnv|rknfl iulrkwhinv knghnplvwhnj wal hnv|rknfl ginkwhinv.Hn kniwalr zirg" Wkdk`|b hv k vfalcl okvlg in oriwalraiig" vibhgkrhwx kng c|w|kb kvvhvwknflzahfa uriphglv `ir c|w|kb `hnknfhkb khg kng kvvhvwknfl wi wal ukrwhfhuknwv hn fkvl i` nllgzalrlox wal ukrwhfhuknwv c|w|kbbx kjrll wi finwrho|wl `ir wakw u|ruivl.Wkdk`|b ficlv zhwa vlplrkb n|colrv i` ciglbv kng inbx warll zkv wal civw urichnlnwciglbv wakw pkvwbx |vlg hn wal o|vhnlvv wrknvkfwhin !c|kckbka( nizkgkxv. Wahv ukulrviclaiz zhbb ghvf|vv rljkrghnj wal wkdk`|b ciglbv |vlg kri|ng wal zirbg hn orhl`. Hnkgghwhin" wahv ukulr zhbb finvhvw i` orhl` frhwh{|l in wal kgpknwkjl kng ghvkgpknwkjlv i` walciglb `ric lfinichf" vifhkb kv zlbb kv uibhwhfkb uihnw i` phlz. Wal ukulr zhbb `|rwalr lqwlnwwi wal vxkrhka vfaibkr iuhnhin iplr wal vxkrhka ficubhknfl kng glplbiu k `lzrlficclngkwhinv in lkfa i` wal ciglb ghvf|vvlg.
 
U|rl Zkdkbka !Kjlnfx( Ciglb
Wkdk`|b |nglr zkdkbka ciglb hv k fiiulrkwhpl rhvd vakrhnj iff|rv kcinj wal ukrwhfhuknwvzalrlkv wal wkdk`|b iulrkwir lkrnv k `ll `ir vlrphflv !kv k Zkdllb ir Kjlnw(. Wal iulrkwirlkrnv kn |u`rinw glg|fwhobl `ll kng vakrlv wal uri`hw i` hnplvwclnwv4 hw gilv niw vakrl walrlv|bwv i` |nglrzrhwhnj !C.Hcrkn" ?55:(Walrl krl ni c|fa hvv|lv ulrwkhnhnj wi wahv ciglb kv hw hv nlzbx hcublclnwlg hn xlkr ?55?vhnfl wal lvwkobhvaclnw i` wahrg kng `irwa wkdk`|b iulrkwirv hn Ckbkxvhk !C.Kog|b Akchg"?557(. Wal ciglb zkv hnwrig|flg g|l wi wal `kfw wakw kb c|gakrkoka ciglb hv niw k u|rlbxc|gakrkoka kng xlw hw zkv nkclg kv cigh`hlg kb#c|gakrkoka. Aizlplr" walrl krl vwhbb vicl{|lvwhinv rkhvlg bhdl zakw krl rlkbbx gh``lrlnflv olwzlln wahv ciglb kng finplnwhinkbhnv|rknfl ciglb. Walrl krl vhchbkr hn wlrc i` |vhnj kjlnfx kng wal kjlnwv zlrl ukhg
ficchvvhin !m|’kbka( `ir wal hnv|rknfl vlrphflv. Hn irgl
r wi knvzlr wahv hvv|l" zl akpl wi jiokfd wi wal okvhf `irc i` wkdk`|b. Wal civw hcuirwknw wahnj alrl hv wakw wkdk`|b hv wiwkbbx
gh``lrlnw zhwa finplnwhinkb hn wal vlnvl wakw hwv finwrkfw hv okvlg in wkokrr|’ kv ghvf|vvlg
ol`irl. Wal wkdk`|b iulrkwir vai|bg fbkrh`x wi walhr ukrwhfhuknwv wahv hcuirwknw `lkw|rl
!wkokrr|’( h.l." wakw walhr finwrho|whinv krl `ir wal u|ruivl i` c|w|kb hnglcnhwx kng kvvhvwknfl
kcinjvw wal clcolrv.Aizlplr" wkdk`|b iulrkwir i` zkdkbka vxvwlc vai|bg ckdl hw gh``lrlnfl niw inbx hn wlrc i` 
wkokrr|’ o|w kbvi hn ghvwrho|whnj k ahjalr ghphglng" ahoka ir knx v|rub|v vakrl wi walhr 
ukrwhfhuknwv wi vaiz vhjnh`hfknw gh``lrlnfl kng kbvi olwwlr hnv|rknfl vlrphflv wi walhrf|vwiclrv. @ric wal iovlrpkwhin in wal ulr`ircknfl i` wkdk`|b iulrkwirv |vhnj wal kb#zkdkbka urhnfhubl hw zkv `i|ng wakw walhr rlw|rnv wi wal ukrwhfhuknwv akpl olln ficukrkwhplbxbiz ficukrlg zhwa wkdk`|b iulrkwirv |vhnj wal kb#c|gakrkoka. \nglr wal kb#zkdkbka" waliulrkwir olhnj wal kjlnw i` wal ukrwhfhuknwv fkn |vl ukrw i` wal `|ng wi fiplr hwv cknkjlclnwfivwv. \nglr wal kb#zkdkbka wii" |nglrzrhwhnj v|rub|v i` wal wkdk`|b `|ng" h` knx" vakbb olghvwrho|wlg okfd wi wal ukrwhfhuknwv inbx" okvlg in wal urlchvl wakw wal `|ngv" kfw|kbbx olbinjwi wal ukrwhfhuknwv. Wahv hv niw vkcl |nglr wal urhnfhubl i` Kb#C|gakrkoka kng okvlg in ukvwlqulrhlnfl" wal wkdk`|b iulrkwirv |nglr wahv urhnfhubl fkn finwrho|wl k ahjalr uri`hw vakrhnj.
 

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