Model Dana Tambahan bagi Penawaran Takaful Mikro kepada Warga Emas
DOI:
https://doi.org/10.32890/ijib2020.5.2.4Keywords:
Takaful Mikro, Warga Emas, Dana TambahanAbstract
Pada tahun 2030, Malaysia di jangka mencapai status negara tua apabila penduduk yang berumur 60 tahun dan ke atas meningkat seramai 5.6 juta orang iaitu 15% daripada jumlah keseluruhan penduduk. Berdasarkan statistik ini, kajian dijalankan untuk mengkaji penawaran takaful mikro kepada warga emas yang perlu ditawarkan menggunakan dana tambahan. Oleh itu, artikel ini merangka model-model dana tambahan bagi penawaran takaful mikro kepada warga emas. Metodologi kajian secara kualitatif digunakan untuk mencapai tujuan kajian yang melibatkan temu bual dengan pengawal selia syarikat takaful, tiga syarikat takaful yang menawarkan produk takaful mikro di bawah inisiatif “Perlindungan Tenang†dan penilai model yang melibatkan wakil industri serta dua orang ahli akademik yang terlibat sebagai penasihat syariah bagi menilai model penggunaan dana yang digunakan. Hasil dapatan kajian telah membentuk model penawaran takaful mikro menggunakan model wakaf dan endowmen, model CSR wakaf, model zakat dan kombinasi dana daripada pelbagai sumber sebagai dana tambahan dalam penawaran takaful mikro kepada warga emas.
Downloads
References
Abubakar Yusuf Sanyinna, Hydzulkifli Hashim dan Muhammad Farihal Osman. (2018). Cash Waqf As an Effective Tool of Financing MSMEs For Sustainable Poverty Alleviation: A Nigerian
Agensi Kaunseling dan Pengurusan Kredit (AKPK). (2014). Celik Wang Pengurusan Wang secara Bijak. Kuala Lumpur: Agensi Kaunseling dan Pengurusan Kredit (AKPK). Edisi Kedua, 73. Agro Bank. Produk C. Laman sesawang Agro Bank, dicapai pada 06 April 2019.
Ahmed MH. (2016). Micro Takaful Insurance as a Tool to Guaranteeing Financing and Protecting Micro Enterprises. Journal Business & Financial Affairs, Vol.5, Issue 4, 2.
Akhmad Affandi mahfudz. (2017). Expliring the Untapped Potentials of Islamic Social Funds in Islamic Home Financing for Low Income Family. International Journal of Islamic Business, Vol.2, Issue 1, 48. Asiah Kamal, Ahmad Azam Sulaiman@Mohamad, Mohammad Taqiuddin Mohamad. (2017). Takaful Mikro Bagi Warga Emas Sebagai Instrumen Kewangan Islam: Satu Kajian Literatur. Journal of Muslim Affairs (UMRAN), Vol.3, No.2, 59. Bernama. Cabaran Negara Tangani Masyarakat Warga Tua. Laman sesawang Malaysiakini, dicapai pada 06 Mei 2018, https://www.malaysiakini.com/news/294177.
Christian Biener dan Martin Eling. (2012). Insurability in Microinsurance Markets: An Analysis of Problem and Potential Solutions. The Geneva on Risk and Insurance, No.37, 96.
Craig Churchill. (2007). Insuring the Low-Income Market: Challenges and Solutions for Commercial Insurers. The Genera Papers on Risk and Insurance, No.32, 403.
Daniel J. Clarke dan Dermot Grenham. (2013). Microinsurance and Natural Disasters: Challenges and Options. Environmental Science and Policy. No.27, S90.
Fatin Nabilah Abdul Wahid dan Kamaruzaman Noordin. (2014). Skim Takaful Sumbangan Rendah serta Prospek pelaksanaan takaful Mikro di Malaysia. International Conference on Postgraduate Research (ICPR), 31.
Haslifah Mohamad Hasim. (2014a). Developing a Conceptual Framework of Microtakaful as a Strategy towards Poverty Alleviation. Journal of Economics and Sustainable Development, Vol.5, No.28,1.
Haslifah Mohamad Hasim. (2014b). Microtakaful as an Islamic Financial Instrument, for Poverty Alleviation in Iraq, Middle-East Journal of Scientific Rerearch 21, 2315.
Institut Penyelidikan Penuaan Malaysia Universiti Putra Malaysia. (2017). Kajian Kemudahan dan Perkhidmatan bagi menepati keperluan warga emas menjelang 2030. Putrajaya: Jabatan Kebajikan Masyarakat Malaysia. 527-528.
James Midgley. (2012). Social Protection and The Elderly in The Developing World: Mutual Aid, Micro-Insurance and The State. Journal of Comparative Social Welfare, Vo.28, No.2, 157, 160-161.
Jamil Ramly et al., (2010). Buku Panduan Asas Takaful. Kuala Lumpur: IBFIM, 58-59.
Waqf & Endowment. Produk Kami. Laman sesawang syarikat S3, dicapai pada 20 Jun 2019. Malaysian Takaful Association (MTA). Perlindungan Tenang. Laman sesawang Malaysian Takaful Association (MTA), dicapai pada 07 November 2019. http://www.malaysiantakaful.com.my/Consumer-Zone/Perlindungan-Tenang.aspx
Marleen Dekker dan Annegien Wilms. (2010). Health Insurance and Other Risk-Coping Strategies in Uganda: The Case of Microcare Insurance Ltd. World Development, Vol.38, No.3, 370.
Michal Matual et.al, (2013). Microinsurance Demand: Determinants and Strategies. Enterprise Development and Microfinance, Vol.24, No.4, 316.
Nikunjkumar Gor. (2013). Microtakaful-Islamic Insurance for Deprived: Innovation, Sustainability and Inclusive Growth. International Journal of Business, Economics and Law, Vol.3, Issue 2, 24.
Nooh Gadot. (2014). Transformasi Pengurusan Wakaf. Pemangkin Sosial Ekonomi Ummah. Seminar Waqaf Antarabangsa, Johor. 10.
Noor Ashikin Mohd Rom dan Zuriah Abdul Rahman. (2012). Financial Protection for the Poor in Malaysia: Role of Zakah and Micro-takaful. Journal of King Abdulaziz University, Islamic Economic, Vol.25, No.1, 123.
Noor Ashikin Mohd Room dan Zuriah Abdul Rahman. (2014). Reformation of Islamic Insurance: Policy Making to Ensure Economic Sustainability for The Lower Strata of Society. Asian-African Journal of Economics and Econometric, Vol.14, No.1, 78.
Oscar Joseph Akotey, Kofi A. Osei dan Albert Gemegah. (2011). The Demand for Micro Insurance in Ghana. The Journal of Risk Finance, Vol. 12 Issue.3, 191.
Patty Jansen, Tobias Gössling dan Toon Bullens. (2011). Toward Shared Social Responsibility: A Study of Consumers’ Willingness to Donate Micro-Insurance when Taking Out Their Own Insurance, Journal of Business Ethics, no.100, 175. Portal Rasmi Bahgian Pasca Perkhidmatan Jabatan Perkhidmatan Awam (JPA). Apakah Takrifan Warga Tua di Malaysia?. Laman sesawanng jpapencen, dicapai 25 Mac 2018, http://www.jpapencen.gov.my/takrifan_warga_tua.html. Produk A. Dokumen Produk. Laman sesawang syarikat S1, dicapai pada 24 Oktober 2019. Produk A. Soalan-Soalan Lazim Produk A. Laman sesawang syarikat S1, dicapai pada 24 Oktober 2019. Produk B. Ciri-Ciri dan Manfaat Pelan. Laman sesawang Syarikat S2, dicapai pada 24 Oktober 2019. Produk B. Dapatkan Sebut Harga untuk Produk B. Laman sesawang syarikat S2, dicapai pada 24 Oktober 2019. Produk B. Sumbangan dan Caj. Laman sesawang syarikat S2, dicapai pada 24 Oktober 2019. Produk B. Mengenai Produk B. Laman sesawang syarikat S2, dicapai pada 5 Nov 2019.
Rebekah Yore dan Joanna Faure Walker. (2019). Microinsurance for Disaster Recovery: Business Venture or Humanitarian Intervention? An Analysis of Potential Success and Failure Factors of Microinsurance Case Studies. International Journal Disaster Risk Reduction, No.33, 26.
Said Adekunle Mikail, Muhammad Ali Jinnah Ahmad, Salami Saheed Adekunle. (2017). Utilisation of Zakāh and Waqf Fund in Micro-Takāful Models in Malaysia: An Exploratory Study. ISRA International Journal of Islamic Finance, Vol. 9, Issue: 1,104.
Seiro Ito dan Hisaki Kono. (2010). Why is The Take-up of Microinsurance so Low? Envidence from A Health Insurance Scheme in India. The Developing Economies 48, No.1, 74.
Sheila Nu Nu Htay and Nur Shazwani Sadzali. (2015). An Analysis of the Viability of Micro Health Takaful in Malaysia. Journal of Islamic Accounting and Business Research, Vol.4, Issue 1, 63, 37.
Siti Mashitoh Mahmood, Asmak Ab Rahman dan Azizi Che Seman. (2018). Pembentukan Institusi Pengajian Tinggi Berteraskan Wakaf di Malaysia: Cadangan Model Pelaksanaannya. Jurnal Syariah, Jil.26, Bil.1, 13.
Syarikat S3. Produk C. Risalah (2017). Kuala Lumpur: Syarikat S3.
Tajudeen Olalekan Yusuf. (2012). The Role of Islamic Micro Insurance in Economic Growth and Development: The Nigerian Experience: A Case Study of Al-Barakah Microfinance Bang, Lagos. International Journal of Business and Commerce, Vol.1, No.10, 108.
Vishal Pinto. (2015). Role of NGOs in Promoting Micro Health Insurance: A Study with Reference to ‘Sampoorna Saraksha’ Health Insurance Scheme by SKDRDP, Mangalore (India). South Asia Journal of Business and Management Cases, Vol.4, No.2, 252.
Wan Norhayate Wan Daud et.al., (2016). MicroTakaful Flood Scheme in Malaysia: Alternative Approach to Takaful Operators. Terengganu: Penerbit Universiti Sultan Zailnal Abidin. 122.
Wendy J. Werner. (2009). Micro-insurance in Bangladesh: Risk Protection for the Poor?. Journal of Health, Population and Nutrition, Vol.27, No.4, 571. Yi (Kitty) Yao. (2013). Development and Sustainability of Emerging Health Insurance Markets: Evidence from Microinsurance in Pakistan. The Geneva Pepers, No.38, 178.
Yung-Ping Chen. (1987). Making Assets out of Tomorrow's Elderly. The Gerontologist, Vol.27, No.4, 416. Temu Bual
Informan BNM. (2019, Feb 15). Penganalisis, Jabatan Perbankan Islam dan Takaful, Bank Negara Malaysia. Temu bual. Kuala Lumpur.
Informan A1. (2019, Mei 6). Penolong Pengurus, Jabatan Pemasaran Produk, Syarikat S1. Temu bual. Kuala Lumpur.
Informan B1. (2019, Mei 15). Ketua, Jabatan Pemasaran Takaful Mikro dan CSR, Syarikat S2). Temu bual. Kuala Lumpur.
Informan B2. (2019, Mei 15). Pengurus, Jabatan Pemasaran Takaful Mikro dan CSR (Produk), Syarikat S2). Temu bual. Kuala Lumpur.
Informan B3. (2019, Mei 15). Pengurus, Jabatan Pemasaran Takaful Mikro dan CSR (CSR), syarikat S2). Temu bual. Kuala Lumpur.
Informan B4. (2019, Okt 30). Jabatan Syariah, Syarikat S3. Temu bual. Kuala Lumpur.
Informan C1. (2019, Jun 12). Naib Presiden, Jabatan Bancatakaful, syarikat S3. Temu bual. Kuala Lumpur.
Informan C2. (2019, Jan 15). Naib Presiden, Jabatan Syariah, syarikat S3. Temu bual. Kuala Lumpur. Penilai Model
Penilai P1. (2019, Mei 24). Naib Presiden, Jabatan Syariah, syarikat S3. Temu bual. Kuala Lumpur.
Penilai P2. (2019, Ogos 23). Penasihat Syariah, Wakaf Selangor Muamalat. Temu bual. Kuala Lumpur.
Penilai P3. (2019, Ogos 28). Penasihat Syariah, Zurich Takaful. Temu bual. Kuala Lumpur.
