tag:blogger.com,1999:blog-923568407698595577.post5975727466111604942..comments2024-01-20T07:28:40.762+08:00Comments on For Your Information: Takaful Malaysia Declares 10% MudharabahMan Suranihttp://www.blogger.com/profile/17247783563975048209noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-923568407698595577.post-50616497894107454992008-12-30T16:02:00.000+08:002008-12-30T16:02:00.000+08:00FYI, for last year STMB declared 15% for motor tak...FYI, for last year STMB declared 15% for motor takaful. Pls liaise/ visit with any branch STMB for more info.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-923568407698595577.post-80352130130210030192008-04-10T21:11:00.000+08:002008-04-10T21:11:00.000+08:00Dear Ayah.biz, Yes, it is excellent to get 10%, th...Dear Ayah.biz, <BR/>Yes, it is excellent to get 10%, that's a very good 'investment' vehicle. Per you questions on Syarikat Takaful Malaysia Berhad (“STMB”), they mentioned that InsyaAllah they do plan to declare mudharabah for Life takaful, but later on. Regarding the payment method and other questions, I have updated this blog entry, <A HREF="http://fyi-penang.blogspot.com/2008/04/takaful-malaysia-declares-10-mudharabah.html" REL="nofollow">Takaful Malaysia Declares 10% Mudharabah</A>Man Suranihttps://www.blogger.com/profile/17247783563975048209noreply@blogger.comtag:blogger.com,1999:blog-923568407698595577.post-81936884078130467822008-04-09T08:45:00.000+08:002008-04-09T08:45:00.000+08:00Excellent, 10% is really great for the participant...Excellent, 10% is really great for the participants. I think TM will always deduct your share from your renewal contribution.<BR/><BR/>El the man, can you ask about the life takaful mudharabah as well when you visit them. Sadly enough, I only have TM life takaful not motor takaful :)<BR/><BR/>BTW, I totally agree with Azwan - transparency is key to build a strong customers trust. See my latest post in my blog about Takaful annual statement (www.janganterlepaspandang.wordpress.com)<BR/><BR/>Ayah.bizAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-923568407698595577.post-21183836766395148782008-04-08T21:27:00.000+08:002008-04-08T21:27:00.000+08:00Dear Azman,Thank you for the comment. Yes I agree ...Dear Azman,<BR/>Thank you for the comment. Yes I agree with you regarding the long silence by Takaful Malaysia for 2007. When I asked their staff they mentioned they're in the dark as well. I believe due to some major re-structuring and system upgrade. In fact I heard rumours they would also go to the agent base (wakalah) as it seems agents can sell better, due to many not knowing the value of mudharabah. Still haven't checked how to get the 10% though.Man Suranihttps://www.blogger.com/profile/17247783563975048209noreply@blogger.comtag:blogger.com,1999:blog-923568407698595577.post-47546171767862814092008-04-07T13:58:00.000+08:002008-04-07T13:58:00.000+08:00Yeah. It has been a battling ground between me an...Yeah. It has been a battling ground between me and Takaful Malaysia (TM) for the past year. I have been TM customer for 5 years - having bought (TM likes to call it 'contribution') motor takaful and other medical/family takaful products. It has been great all these while as I enjoyed at least 20% rebate every time I renewed my motor takaful. It just in 2007, instead of deducting the mudharabah profit as usual, they (TM) has been holding my mudharabah profit until recently. I guess 10% profit sharing is not so bad; nevertheless, the TM management should have been more transparent with its decision-making. Holding the profit that is meant for customers for more than a year is not very "Islamic", in my opinion.<BR/><BR/>As for myself, I still like the concept of mudharabah instead of wakalah (agents) that has been used by other takaful operator because the customers supposedly get a better value for their money (no middle men).<BR/><BR/>-Azwan (azwanshah@gmail.com)Anonymousnoreply@blogger.com