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Society’s Understanding of Family Takaful

New Developments in Islamic Economics

ISBN: 978-1-78756-284-4, eISBN: 978-1-78756-283-7

Publication date: 19 November 2018


Purpose – The objective of this study is to assess the level of understanding of family takaful among the Muslim community of southern Thailand.

Methodology/approach – This study used a questionnaire as the data collection tool. It sampled 400 respondents who were selected in a simple way, regardless of whether they owned protection policies or not. The methods used to analyse the data are descriptive statistics and means, and independent samples T-testing.

Findings – The study found that the Muslim community in southern Thailand had a generally low level of understanding of family takaful. However, the differences in the level of understanding between those who participated in family takaful and those who did not were examined. The research findings were then found to indicate that there was a distinction between the two groups: those who participated in family takaful had a clear and positive understanding of it, while those who did not had no clear understanding of it. These are significant differences which signify that participation in family takaful by Muslims in southern Thailand was influenced by their understanding of it.

Research limitations/implications – This study was conducted in the Muslim community in and around Muang District, Narathiwat Province, in southern Thailand.

Practical implications – This study clearly indicates, especially to those involved directly or indirectly in the takaful industry, that there are still many in the community who do not participate in family takaful because they lack understanding and have negative perceptions of it. Those who are involved must make the effort to communicate more in-depth insights to target communities, which could effectively enhance the uptake of family takaful.

Originality/value – This is the first empirical study of takaful in Thailand. It was conducted to determine the level of understanding of family takaful in the Muslim communities of southern Thailand and to compare the levels of understanding of family takaful between those who have participated in it and those who have not.




The authors would like to express their gratitude to the University of Malaya for granting the precious opportunity to engage in this research, and particularly for providing a specific grant (PO071-2015A) as financial support throughout the research period.


Ha, M., Rahman, A.A. and Seman, A.C. (2018), "Society’s Understanding of Family Takaful ", Rahman, A.A. (Ed.) New Developments in Islamic Economics, Emerald Publishing Limited, Leeds, pp. 151-166.



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