Volume 6 • Number 1 | March 2022

A review of 20 years of takaful literature using a systematic method

Zahin Ansari

Abstract: Purpose – The study aims to summarize the 20 years of literature published in takaful between 2000 and 2019 and propose some key areas as the directions for future research. Design/methodology/approach – The present study utilizes the systematic method of reviewing the literature. The SCOPUS database has been accessed, and 96 articles have been accounted for the analysis. The articles are grouped in their exclusive themes, such as consumer behavior, financial and nonfinancial performance, takaful models, human resources and governance. Findings – Takaful research has widely covered marketing, finance, human resource, governance and stresses on its legal issues. Both qualitative and quantitative methodologies have been employed. The research gaps have been classified based on the respective areas. Large share of current body of takaful literature consists of the studies related to the application of behavioural theories to examine the behavioural intention to take up takaful services. Originality/value – The study enriches the literature of takaful by reviewing articles according to their respective themes, thereby contributing to the significant findings missing from existing literature surveys.


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  103. Ustaoğlu, M. (2015), “Public awareness, understanding and attitudes towards interest-free insurance (Takaful) services evaluation by education level: survey based on empirical analysis for Turkey”, Journal of Asian and African Studies, Vol. 50 No. 4, pp. 445-456.
  104. Wahab, M.Z.H. (2018), “Perception of the takaful operators' performance towards customers' intention in using medical takaful card among public sector”, Journal of Islamic Marketing, Vol. 9 No. 3, pp. 527-543.
  105. Wahab, A.R.A., Lewis, M.K. and Hassan, M.K. (2007), “Islamic takaful: business models, Shariah concerns, and proposed solutions”, Thunderbird International Business Review, Vol. 49 No. 3, pp. 371-396.
  106. Weed, M. (2005), “‘Meta interpretation’: a method for the interpretive synthesis of qualitative research”, Forum Qualitative Sozialforschung/Forum: Qualitative Social Research, Vol. 6, No. 1.
  107. Yakob, R., Yusop, Z., Radam, A. and Ismail, N. (2014), “Two-stage DEA method in identifying the exogenous factors of insurers' risk and investment management efficiency”, Sains Malaysiana, Vol. 43 No. 9, pp. 1439-1450.
  108. Yakob, R., Yusop, Z., Radam, A. and Ismail, N. (2015), “The relative efficiency of investment management of life insurers and takaful operators”, Investment Management and Financial Innovations, Vol. 12 No. 1, pp. 78-89.
  109. Yusof, A.Y., Lau, W.Y. and Osman, A.F.O. (2017), “A critical analysis of the Malaysian risk-based capital framework: a comparison between general insurance and takaful”, Institutions and Economies, Vol. 8 No. 4, pp. 23-41.
  110. Zakaria, M.Z., Salleh, A.Z., Hasbullah, M., Ismail, A.M. and Ab Jalil, M.A. (2019), “Exploring waqf-based takaful fund as financial aid for the B40 group in Malaysia”, Al-Shajarah: Journal of the International Institute of Islamic Thought and Civilization (ISTAC), pp. 149-167, available at: https://journals.iium.edu.my/shajarah/index.php/shaj/article/view/927.

Further reading

  1. Abdul Rahman, Z. (2009), “Takaful: potential demand and growth”, Journal of King Abdulaziz University: Islamic Economics, Vol. 22 No. 1, pp. 171-188.
  2. Bouzaher, N., Necira, O. and Kerdoudi, S. (2014), “Approach to the integration of takaful insurance in the Algerian market”, The Developing Role of Islamic Banking and Finance: From Local to Global Perspectives, Vol. 73.
  3. Elesin, M.J. (2017), “The role of Al-Awqāf (Islamic endowments) in poverty alleviation and community development in the Nigerian context”, Journal of Muslim Minority Affairs, Vol. 37 No. 2, pp. 223-232.
  4. Maali, B.M. and Atmeh, M.A. (2015), “Using social welfare concepts to guarantee Islamic banks' deposits”, International Journal of Islamic and Middle Eastern Finance and Management, Vol. 8 No. 2, pp. 134-149.
  5. Magomadova, M.M. (2013), “Implementation of takaful insurance system in the Russian federation and its future”, Middle East Journal of Scientific Research, Vol. 16 No. 9, pp. 1178-1182.
  6. Rom, N.A.M. and Abdul Rahman, Z. (2012), “Financial protection for the poor in Malaysia: role of Zakah and micro-takaful”, Journal of King Abdulaziz University: Islamic Economics, Vol. 362 No. 3330, pp. 1-23.
  7. Rutter, D.R. and Bunce, D.J. (1989), “The theory of reasoned action of Fishbein and Ajzen: a test of Towriss's amended procedure for measuring beliefs”, British Journal of Social Psychology, Vol. 28 No. 1, pp. 39-46.

JEL classification: DOI 10.1108/AJEB-08-2021-0100

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