{"id":319,"date":"2020-02-16T15:48:13","date_gmt":"2020-02-16T07:48:13","guid":{"rendered":"https:\/\/askprudential.com.my\/?page_id=319"},"modified":"2024-08-08T08:37:49","modified_gmt":"2024-08-08T00:37:49","slug":"what-is-takaful-and-how-does-it-work","status":"publish","type":"page","link":"https:\/\/askprudential.com.my\/bm\/takaful\/takaful-101\/what-is-takaful-and-how-does-it-work\/","title":{"rendered":"Apakah Takaful dan bagaimana ia berfungsi?"},"content":{"rendered":"

“Takaful” bermaksud suatu perkiraan berdasarkan bantuan bersama di mana peserta Takaful bersetuju untuk menyumbang kepada dana bersama yang menyediakan manfaat kewangan bersama yang perlu dibayar kepada peserta Takaful atau benefisiari mereka apabila berlaku kejadian yang telah dipersetujui.<\/p>\n

Takaful berasal daripada perkataan Arab ‘kafala’ yang bermaksud “Jaminan Bersama” atau menjamin satu sama lain. Takaful secara harfiahnya bermaksud tanggungjawab, jaminan, jaminan kolektif, dan usaha bersama. Secara umumnya, Takaful diasaskan kepada aturan kerjasama (Ta’awun<\/em>) berdasarkan prinsip-prinsip kebersamaan dan perpaduan, merangkumi unsur-unsur ganti rugi bersama dan kepentingan bersama.<\/p>\n

Terdapat tiga (3) aspek kebersamaan yang terkandung dalam Takaful iaitu bantuan \/ bantuan bersama, tanggungjawab bersama dan perlindungan bersama. Apabila seseorang menyertai skim Takaful, dia bukan sahaja mendapatkan perlindungan untuk dirinya sendiri tetapi juga bekerjasama dengan peserta lain untuk saling menyumbang antara satu sama lain sekiranya diperlukan.<\/p>\n

Pada dasarnya, Takaful adalah berdasarkan prinsip “Ta’awun”<\/em> (bantuan bersama) oleh itu tindakan penyertaan adalah bersifat Tabarru`at<\/em> (amal).<\/p>\n","protected":false},"excerpt":{"rendered":"

“Takaful” bermaksud suatu perkiraan berdasarkan bantuan bersama di mana peserta Takaful bersetuju untuk menyumbang kepada dana bersama yang menyediakan manfaat kewangan bersama yang perlu dibayar kepada peserta Takaful atau benefisiari mereka apabila berlaku kejadian yang telah dipersetujui. Takaful berasal daripada perkataan Arab ‘kafala’ yang bermaksud “Jaminan Bersama” atau menjamin satu sama lain. Takaful secara harfiahnya […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":74,"menu_order":32,"comment_status":"closed","ping_status":"closed","template":"template-pages\/page-answer.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-319","page","type-page","status-publish","hentry"],"translation":{"provider":"WPGlobus","version":"3.0.0","language":"bm","enabled_languages":["en","bm","ch"],"languages":{"en":{"title":true,"content":true,"excerpt":false},"bm":{"title":true,"content":true,"excerpt":false},"ch":{"title":false,"content":false,"excerpt":false}}},"acf":[],"yoast_head":"\nApakah Takaful dan bagaimana ia berfungsi? - Ask Prudential<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/askprudential.com.my\/bm\/takaful\/takaful-101\/what-is-takaful-and-how-does-it-work\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Apakah Takaful dan bagaimana ia berfungsi? 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