Takaful and Education plan for children

EVERY parents expect the best for their children, whether from the point of use, nutrition, especially matters related to their education. Have proper education is among the factors to build a happy life.

Education is one of the important agenda in the development of the country to produce a society that is truly knowledgeable.

The current situation, many of outstanding students discontinues their studies due to financial factors such as not sufficient funds and do not get help, whether in the form of scholarships or loans from any institution

These students expect hundred 100 percent loans or scholarships from the institutions involved, but due to failure borrowers before lending describes their education, resulting in generation of students today fail to get loans to start their studies.

Parents indeed have a great responsibility to ensure their children get proper education. Given the cost of education is increasing from year to year, parents need financial planning, especially related to education since the early birth of their children so that children are able to obtain the proper education. When parents can plan, for sure education-related loans is not reappear.

In fact, the concept plan and manage financial risks faced by prospective contained in God’s word, which means: He said: “That you bertanam seven years (ever) as normal, so what you taken shall let you save a little on the stalks to eat.  Then after that will come seven hard years, which spend what you save for that (the hard) but less than (wheat seed) that will save you.” (Yusuf: 47 and 48).

Human reminded to always be vigilant and ready to face difficulties lay in the future, especially related to financial management. The 1,400 years, the concept is still relevant to the lives of Muslims today.

To reduce the burden of parents who had to bear the high cost of education, among other instruments that can be used as an alternative to loans and scholarships education is to participate in takaful. Takaful operators not only provide protection plan and investment alone, but there are also education plan so that parents can provide funds or education savings to their children in the future later. Plans such as this will help students continue their education, whether educated in the public or private institutions.

However, people are still less understand the importance of takaful protection awareness, particularly future children such as education. Various parties should play a role to ensure that protection needs to be an important agenda of education in the management of family and concern by parents.

In financial planning, parents need to know what actually needs to their families and ensure that priority is given to the needs of the really urgent needs such as children’s education. If parents are sensitive to the needs and requirements of education when, inevitably they will be planning and financial expenditure and to take the takaful fund education for their children’s education in the future.

Takaful operators that also offer other products such education. So, there is no reason for parents to provide education funds for their children as early as possible.

Imam Al-Ghazali Rahimahullah mentioned, “Our children are gem.” So our job as parents is lustrous jewels is to always shine by providing appropriate education to them. If children are left with sufficient funding, are sure they will be able to continue their studies and enhance the level of education. In addition, the goal of producing human knowledge as specified natural National Philosophy of Education did not realized.

CIMB Aviva Takaful premiums range RM40

CIMB Aviva Takaful Bhd. (CIMB Aviva Takaful) target collection of premium amounting to RM40 million in the current financial year with the launch of Takaful EasyLife series.

Head of Retail Banking, CIMB Bank, Peter England, said the target was made based on the response received for these products during pre-launch in December and has recorded sales of RM2.5 million.

Total”targeted in this is something that can be achieved because the response received very encouraging.

Target collection of premiums”for both CIMB Aviva Assurance Bhd. (CIMB Aviva) and CIMB Aviva Takaful is RM90 million for this financial year. This can be achieved as the total collection of premiums last year for CIMB Aviva is of RM59 million,”he said.

He said this at a press conference after the launching ceremony of Takaful EasyLife series here today.

Also present were Chairman of CIMB Aviva and CIMB Aviva Takaful, Datuk Mohd Shukri Hussin, Chief Executive Officer CIMB Islamic Bank, Badlisyah Abdul Ghani, Chief Executive Officer of CIMB Aviva Takaful, Muhammad Fikri Mohamad Rawi and Chief Executive Officer of CIMB Aviva, Kevin Jones.

Meanwhile, Muhammad Fikri said, this year CIMB Aviva Takaful aims recorded more than 7.4 percent market penetration this year.

”In addition, CIMB Aviva Takaful will be launching six new products this year. What is important for us is not the number of products launched, but products and product CIMB Aviva CIMB Aviva Takaful menetapi customers’ needs.

”Our main focus is to provide quality products to customers and appropriate to their needs,”he said.

Earlier, CIMB Islamic Bank launches Takaful EasyLife series, ie a complete set of the first takaful plans offered by the channel bankatakafulnya.

It is managed by CIMB Aviva Takaful covering four product-based investments such as Takaful EasyLife Men, Women EasyLife Takaful, Takaful EasyLife Kids EasyLife Takafil Retirement and health plan cost-effective EasyLife Health Takaful.

Badlisyah Takaful EasyLife believes this series will help customers to find the takaful policies that meet their specific and unique needs.

CIMB Islamic”through an extensive branch network throughout the country offer the best platform for takaful products to customers.

Through the”number of branches throughout the country over 300 branches and customer base exceeding 5.3 million, the product will be delivered to customers with easy,”he said.

Muhammad Fikri said the demand for takaful products will continue to increase as the increasing customer awareness.

Bankatakaful”plan under the Takaful EasyLife this series is simple, transparent and affordable and based on sharia,”he said.

source : utushan

Islamic Financial Training Providers

International Institute of Islamic Finance Inc

Conducting short excecutive and training courses in  Shari’ah Principles in Islamic Financial Institutions

• Islamic Capital Market 

• Accounting, Auditing and Governance Standards in Islamic Financial Institutions

• Islamic Banking and Finance • Takaful (Islamic Insurance) • Product Development for Islamic Financial Services and Takaful

• Islamic Commercial and Corporate Law •

 The Shari’ah principles of zakat and waqf.

Islamic Finance Training

A leading Islamic Financial training institutions and subsidiary of Kuala Lumpur based Redmoney.

Courses conducted are:

Islamic Finance and Financial Products

Capital Markets and Sukuk

Islamic Funds and Investing

Sharia Audit and Control

Legal and Compliance

Accounting and Audit

Market and Treasury

Risk Management



Islamic Real Estate Finance

Islamic Corporate Finance

Islamic Trade Finance Structures

International Faculty of Finance

A UK based financial training organization providing Islamic Finance Training on Fundamentals on Islamic Finance

Course contents :

Understanding the Core Principles of Islamic Investment & Finance

Overview of the Sharia’a Tools

Murabaha contract (sales)

Islamic Asset Classes : Tawarruq, Ijara (leasing), Salam (Forward Sales), Istisna (Construction or Manufacturing)

 How to organise money in Islamic Finance

Applications and Considerations for Wealth Management & Private Banking

The Islamic Capital Market

The Trouble with Derivatives & Sharia’a

Regulatory and Capital Issues

Review on the Whole Process: how are Sharia’a Decisions made?


An online training portal of Islamic Finance Advisory Group. A Dubai based private company.

Academy for International Modern Studies

A United Kingdom based Islamic financial training organization

–         Corporate training

–         Online training

–         MBA Islamic finance

–         Certified Islamic finance and Insurance professional

Islamic Banking and Finance Institute Malaysia

provides training in Islamic Finance

Course conducted are based on

Skilled-based practice programs – Standard Takaful and Islamic Banking practices

Qualified Practitioner programs – Takaful practice, Islamic Banking practice, Islamic Finance planner

Euromoney Financial Training   

A United Kingdom and Ireland based international financial training organization providing 3 day course in Islamic Finance – Theory & Practice.

Islamic Finance Advisory and Assurance Services

A UK and France based consultancy and training institution. The training leads to IFQ Islamic finance qualifications. Sample course modules are:

Internal Shariah standards and culture

Islamic financial principles (introductory and intermediary levels)

Concept and product training – Mudaraba, Murabaha, Ijara, Musharaka, Wakala, Salam, Istisna

Understanding the difference between IAS, AAOIFI and IFSB standards.

Shariah Auditing

Shariah legal documentation

Specialised sales training targeting Muslim consumers

Amanie Islamic Finance Consultancy and Education LLC (AIFCE) a Dubai based Islamic financial consultancy and training courses

Islamic Finance Institute of Southern Africa(IFISA) – A training and advisory institution based in South Africa. Course includes

Fundamentals in Islamic Finance

Islamic Financial Planner 

Accounting & Auditing for Islamic Financial Institutions

المالية الإسلامية مقدمي خدمات التدريب

المالية الإسلامية مقدمي خدمات التدريب
هناك عدد من المؤسسات التي توفر التدريب في مجال التمويل الإسلامي جنبا إلى جنب مع المؤهلات المالية الإسلامية.

1 المعهد الدولي للتمويل الإسلامي

إجراء تنفيذيا قصيرة ودورات تدريبية في مبادئ الشريعة الإسلامية في المؤسسات المالية الإسلامية

• أسواق رأس المال الإسلامي

• المحاسبة والتدقيق ومعايير الحوكمة في المؤسسات المالية الإسلامية

• المصرفي والمالي الإسلامي • التكافل (التأمين الإسلامي) • تطوير المنتجات للخدمات المالية الإسلامية والتكافل

• الإسلامي التجاري وقانون الشركات • ومبادئ الشريعة الإسلامية من الزكاة والوقف.

2 التمويل الإسلامي للتدريب

والمؤسسات المالية الإسلامية الرائدة والتدريب التابعة لكوالا لامبور تستند Redmoney.

أجرت دورات هي :

التمويل الإسلامي والمنتجات المالية

أسواق رأس المال والصكوك

صناديق الاستثمار الإسلامية والاستثمار

مراجعة الحسابات والرقابة الشرعية

القانونية والامتثال

المحاسبة والتدقيق

سوق وزارة الخزانة

إدارة المخاطر



التمويل العقاري الإسلامي

الاستشارات المالية الإسلامية

الإسلامية لتمويل التجارة الهياكل

3 كلية التمويل الدولية

ومقرها في المملكة المتحدة للتدريب المالي تنظيم الخدمات المالية الإسلامية بتوفير التدريب على أساسيات على التمويل الإسلامي

بالطبع المحتويات :

فهم المبادئ الأساسية للاستثمار والتمويل الإسلامي

نظرة عامة على أدوات الشريعة الإسلامية

عقد المرابحة (مبيعات)

الأصول الإسلامية فئات : التورق ، الإجارة) ، وسلام فياض (البيع الآجل) ، الاستصناع (البناء أو صناعة)

كيفية تنظيم المال في التمويل الإسلامي

التطبيقات واعتبارات لإدارة الثروات والخدمات المصرفية الخاصة

وأسواق رأس المال الإسلامي

والمشكلة مع المشتقات المالية والشريعة الإسلامية

القضايا التنظيمية ورأس المال

الاستعراض على العملية برمتها : كيف هي القرارات التي تتخذ مع أحكام الشريعة الإسلامية؟

4 islamicadvisory.com

وبوابة التدريب الالكتروني لمجموعة الاستشارات المالية الإسلامية. وهناك شركة خاصة مقرها دبي.

الأكاديمية الدولية للدراسات الحديثة
مقرها في المملكة المتحدة المالية الإسلامية التدريب المنظمة

— تدريب الشركات

— التدريب على الانترنت

— ماجستير في إدارة الأعمال المالية الإسلامية

— شهادة التمويل الإسلامي والتأمين المهنية

الخدمات المصرفية الإسلامية والتمويل معهد ماليزيا

يوفر التدريب في مجال التمويل الإسلامي

بالطبع أجريت تستند

المهرة البرامج المستندة إلى الممارسة — الموحدة للتكافل والممارسات المصرفية الإسلامية

ممارس مؤهل برامج — التكافل الممارسة ، الممارسة المصرفية الإسلامية ، التمويل الإسلامي مخطط

يوروموني المالي للتدريب

والمملكة المتحدة وايرلندا استنادا المالية الدولية المنظمة التي تقدم أثناء التدريب يوم 3 في التمويل الإسلامي — النظرية والممارسة.

الاستشارات المالية الإسلامية ، وتأمين الخدمات

والمملكة المتحدة وفرنسا ومؤسسة استشارية مقرها التدريب. تدريب يؤدي إلى مؤهلات IFQ التمويل الإسلامي. بالطبع عينة من وحدات هي :

الداخلية معايير الشريعة الإسلامية والثقافة

مبادئ الشريعة الإسلامية المالية (المستوى التمهيدي وسيط)

مفهوم التدريب والمنتج — المضاربة والمرابحة والإجارة والمشاركة وعقد وكالة ، وسلام فياض ، الاستصناع

فهم الفرق بين المعايير الدولية للمحاسبة ، وتقدم خدماتها معايير مجلس الخدمات المالية الإسلامية.

الشريعة ومراجعة

الشريعة وثائق قانونية

المبيعات والتدريب المتخصصة التي تستهدف المستهلكين المسلمين

اماني الإسلامية للاستشارات المالية والتربية والتعليم شركة ذات مسؤولية محدودة (AIFCE) ومقرها دبي الإسلامي الاستشارات المالية ودورات تدريبية

التمويل الإسلامي معهد جنوب افريقيا (IFISA) — قالت مؤسسة استشارية للتدريب ومقرها في جنوب افريقيا. تتضمن الدورة

العوامل الاساسية في التمويل الإسلامي

التخطيط المالي الإسلامي

المحاسبة والمراجعة للمؤسسات المالية الإسلامية

ترجمة جوجل

Islamic prestataires de formation financière

islamic prestataires de formation financière

Il existe nombre d’établissements offrant de la formation dans la finance islamique ainsi que des certifications financières islamiques.

1 Institut international de la finance islamique

Excecutive mener à court et cours de formation dans les Principes la charia dans les institutions financières islamiques

• Organisation islamique pour le marché des capitaux

• Comptabilité, Audit et normes de gouvernance dans les institutions financières islamiques

• Islamic Banking and Finance • Takaful (assurance islamique) • Développement de produits pour les services financiers islamiques et Takaful

• Organisation islamique Commercial et Droit des Sociétés • Les principes de la charia de la Zakat et Waqf.

2 La finance islamique Formation

Un leader islamique institutions de formation financière et filiale de Kuala Lumpur en fonction Redmoney.

Cours dispensés sont les suivants:

La finance islamique et produits financiers

Marchés de capitaux et Sukuk

Les fonds islamiques et Investir

Sharia Audit et de Contrôle

Legal and Compliance

Comptabilité et de vérification

Marché et du Trésor

Gestion des risques



Real Estate Finance islamique

Corporate Finance islamique

Ouvrages d’art islamique de financement du commerce

3 Faculté de la finance internationale

Un organisme de formation basé au Royaume-Uni financière fournissant la finance islamique de formation sur les principes fondamentaux de la finance islamique

Contenu des cours:

Comprendre les principes de base de Islamic Investment & Finance

Vue d’ensemble sur les outils de la charia

Mourabaha contrat (de vente)

Islamic Asset Classes: Tawarruq, Ijara (leasing), Salam (vente à terme), Istisna (construction ou fabrication)

Comment organiser l’argent dans la finance islamique

Applications et Considérations pour Wealth Management & Private Banking

The Islamic Capital Market

The Trouble with Dérivés et la charia

Capital réglementaire et enjeux

Examen de tout le processus: comment la charia sont des décisions prises?

4 islamicadvisory.com

Un portail de formation en ligne du Islamic Finance Advisory Group. Une société privée basée Dubaï.

5 Académie pour les études internationales modernes
Un Royaume-Uni islamique basé organisme de formation financière

– La formation d’entreprise

– Formation en ligne

– MBA finance islamique

– Certified finance islamique et de l’assurance professionnelle

6 Islamic Banking and Finance Institute Malaisie

offre une formation en finance islamique

Cours menées sont fondées sur

Qualifiés programmes basés sur la pratique – Standard Takaful et les pratiques des banques islamiques

Praticien qualifié programmes – la pratique de Takaful, Islamic Banking pratique, planificateur en finances islamiques

7 financière Euromoney Training

Un Royaume-Uni et Irlande sur la base d’une organisation internationale de formation financière accorde 3 jours sur la finance islamique – Théorie et pratique.

8 Islamic Finance Advisory and Assurance Services

Un Royaume-Uni et la France, basé de conseil et organisme de formation. La formation débouche sur des qualifications IFQ Finance islamique. Exemple de modules de cours sont les suivants:

Interne les normes de la charia et de la culture

Principes financiers islamiques (d’introduction et le niveau intermédiaire)

Concept et la formation du produit – Moudaraba, la Mourabaha, Ijara, Moucharaka, Wakala, Salam, Istisna

Comprendre la différence entre les normes IAS, et des normes AAOIFI IFSB.

Audit de la charia

Charia documentation juridique

Ventes spécialisées de formation ciblant les consommateurs musulmans

Amanie Islamic Finance Consultance et de l’éducation LLC (AIFCE) une base de Dubaï de conseil financier islamique et cours de formation

Islamic Finance Institute of Southern Africa (IFISA) – Une institution de formation et de conseil basé en Afrique du Sud. Le cours comprend

Bases fondamentales de la finance islamique

Islamic Financial Planner

Comptabilité et Audit des institutions

Jobs in Islamic Finance industry recent entries

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Islamic Corporation Development Private Sector

Contributing to the formalization of policies, strategies, frameworks, and techniques for operational risk management and providing continuous improvement efforts with respect to the development process.

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Our Abu Dhabi based client operates within Investment Banking sector and they now seek a first rate Vice President – Senior Transactor Debt Capital Market. GCC and Islamic Banking experience is favorable

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