
The global Takaful market reached a value of US$ 26.1 Billion in 2020 in comparison to conventional insurance valuing US$ 5,193 billion.More than 306 takaful companies are operating in the market. Major countries are Malaysia, Saudi Arabia, Turkey, and the United Kingdom
Main challenges to this market are Political and Macroeconomic,Environment, RegulatoryFramework, Business Operations, Technology, Sharia’s Framework, Infrastructure, Market and Human Capital
Currently there are five Takaful operators comprising of three General Takaful and two Family Takaful Companies, exist in Pakistan. The Takaful market is still in a formative stage and market projections were estimated growth rates between 15% and 20% over the next 10 years before 2017-18 but the growth has now come down due to current market conditions.
The estimated 220 million population of Pakistan represents a huge market for Takaful and insurance industry. With a large population shying away from insurance due to religious reasons and equally large population staying away from Takaful due to lack of understanding, Takaful provides with an alternate mechanism for taking care of some of the basic needs of fellow beings in the time of need. Mostly premium generated by the insurance companies both Life and Non-Life are from conventional banks. Whereas the Islamic banking sector’s market share is very low as compared to conventional banks, that’s why growth of Takaful is not enough as compared to conventional insurance. As well as Islamic financing increases the Takaful business will also be increased, moreover the financial strength of Takaful companies is weak as compared to conventional insurance companies, which is also a reason to capture the businesses of large organizations.
The progress of insurance industry is directly related with the progress of economy of the country. Political uncertainty badly effects the growth of economy, which ultimately affects the insurance business. The potential of insurance growth in Pakistan is too much in all areas of insurance classes because the penetration of insurance is negligible as compared to the population of the country. To tap the huge market, injection of creative products is the need of the time. Some of the gaps in the market include Crop coverage and Livestock coverage or Professional indemnity for Engineers and Doctors. Needless to say it’s an uphill task and perhaps greater effort is needed to create awareness among the users. Given that wealth management is another aspect of insurance/Takaful, the product plate may be expanded to tweak the existing model. With the current model, perhaps micro Takaful /insurance is a far cry, but some program lending may be designed to work it out. Especially without a welfare or social security net, the need is immense with the lower middle class. At the community level, the low income household staff is providing protection in times of medical emergencies and health by their employers. However, the poor are in an invisible bonded labor as they are willing to work for barely sustainable salaries in the hope of getting bailed out when going gets tough. In this environment Takaful co. are needed and they have to work a lot to play their due role in economy of Pakistan.
This all started in 1985 when the Supreme Council of the Muslim jurists recognized system of Takaful as an alternative form of insurance that meets all the rules and requirements of Sharia. The first attempt to introduce Islamic insurance was implemented in 1970 in Egypt, Sudan and the United Arab Emirates.
In 1987 Al Baraka Investment & Development established two insurance and investment companies in accordance with the provisions of Sharia and the promotion of investment activities of individuals, banks and corporations.
Saudi Arabia is considered as pioneer in takaful industry whereas Malaysia –is considered as the successor. It is in this country published the first (and only) Takaful Act, which defined its legal basis, taking into account the European and Islamic law.
Takaful is like a cooperative where each member provides the mutual provision of guarantees to each other. Its primary difference from traditional commercial insurance is the absence of elements of gharar (uncertainty) and riba (usury). Element of gharar in the contract of insurance exceeds the permitted level of Sharia, because at least for the insured, there is uncertainty as to the terms of the contract (time, subject, etc.).
Unlike the traditional Takaful, insurance is risk assessment and management, as well as in the management of Takaful fund. In addition, there are differences in the relationship between the operator (in the traditional insurance – the insurer) and the participants (policyholders).
If there is a traditional insurance risk transfer mechanism by which a person or organization can exchange for a fee, to the certainty of its uncertainty, in the Takaful insurance, such a mechanism is prohibited. Exchange losses on certain unspecified (insurance premium), as implemented in the traditional insurance falls under the concept of gharar and is not allowed in Islam.
As an alternative to the principle of risk-sharing between the parties for the purpose of mutual aid, Risk is shared between the parties in accordance with the scheme of mutual guarantee or Takaful scheme. Takaful operator must only organize the scheme. One of the responsibilities of the operator – to ensure that each participant pays a fair contribution and that in the event of loss participant will receive appropriate compensation.
Equipos de balanceo: clave para el rendimiento estable y efectivo de las dispositivos.
En el entorno de la innovación contemporánea, donde la efectividad y la seguridad del equipo son de máxima relevancia, los equipos de balanceo tienen un rol vital. Estos equipos dedicados están creados para calibrar y fijar partes móviles, ya sea en dispositivos de fábrica, vehículos de traslado o incluso en aparatos domésticos.
Para los expertos en mantenimiento de equipos y los ingenieros, utilizar con equipos de equilibrado es crucial para promover el operación suave y estable de cualquier mecanismo dinámico. Gracias a estas herramientas modernas avanzadas, es posible reducir sustancialmente las oscilaciones, el estruendo y la presión sobre los cojinetes, prolongando la duración de componentes costosos.
También relevante es el papel que cumplen los equipos de ajuste en la asistencia al usuario. El ayuda especializado y el mantenimiento regular empleando estos equipos permiten ofrecer asistencias de óptima estándar, aumentando la satisfacción de los compradores.
Para los titulares de empresas, la inversión en equipos de calibración y dispositivos puede ser importante para aumentar la rendimiento y eficiencia de sus sistemas. Esto es principalmente relevante para los dueños de negocios que administran reducidas y pequeñas empresas, donde cada punto vale.
Por otro lado, los aparatos de calibración tienen una vasta utilización en el campo de la protección y el supervisión de nivel. Posibilitan identificar posibles problemas, impidiendo reparaciones elevadas y perjuicios a los aparatos. Más aún, los indicadores obtenidos de estos aparatos pueden emplearse para mejorar procesos y incrementar la presencia en buscadores de investigación.
Las zonas de uso de los dispositivos de equilibrado cubren diversas industrias, desde la producción de transporte personal hasta el supervisión de la naturaleza. No influye si se habla de extensas elaboraciones industriales o modestos talleres hogareños, los sistemas de ajuste son indispensables para promover un funcionamiento eficiente y sin riesgo de paradas.
Thieves blow up museum door and steal ancient artifacts, including 2,500-year-old gold helmet
гей член
Thieves have stolen four ancient artifacts, including an approximately 2,500-year-old gold helmet, after using explosives to break into a museum in the Netherlands.
The daring heist took place at Drents Museum in Assen during the early hours of Saturday morning, according to Dutch police, who said they received a report of an explosion at 3:45 a.m. local time.
CCTV footage released by police shows the suspects opening an exterior door before a blast sends sparks and smoke into the air. The thieves made off with three gold bracelets, dating from around 50 BC, as well as the 5th-century BC Helmet of Cotofenesti, a historically important artifact on loan from the National History Museum of Romania in Bucharest.
The items were part of an exhibition about the Dacians, an ancient society that occupied much of present-day Romania before being conquered by the Romans. On show since July, “Dacia: Empire of Gold and Silver” featured treasures borrowed from institutions across Romania.
In a press release on its website, Drents Museum described the Helmet of Cotofenesti — which was discovered in a Romanian village almost a century ago — as a “masterpiece.” Its design features mythological scenes and a pair of eyes, located above the wearers’, that were thought to deter enemies during battle while protecting against the “evil eye.”
The exhibition was set to conclude Sunday, though Drents Museum remained closed through the weekend due to the robbery. Its premises were damaged by the explosion, though no injuries were reported, the museum said.
Dutch police announced that they are working with global police agency Interpol and had, as of Sunday, received more than 50 tip-offs. Investigators are currently looking for information about a gray car that was stolen from the nearby city of Alkmaar earlier in the week and was discovered around four miles from the crime scene, on fire, shortly after the overnight heist.
Carrie Underwood slated to perform at Trump’s inauguration
кракен
Country music star Carrie Underwood is slated to perform “America the Beautiful” at President-elect Donald Trump’s inauguration, according to a copy of the program obtained by CNN and confirmed by a spokesperson for the inaugural committee.
“I love our country and am honored to have been asked to sing at the Inauguration and to be a small part of this historic event,” Underwood said in a statement to CNN. “I am humbled to answer the call at a time when we must all come together in the spirit of unity and looking to the future.”
The presidential oath of office will be administered by Supreme Court Chief Justice John Roberts with Justice Brett Kavanaugh expected to administer the oath of office to Vice President-elect JD Vance.
Trump’s inauguration as the 47th president of the United States will take place on January 20 at the US Capitol.
Underwood is a big get for Trump’s inauguration, considering Hollywood’s Trump blackout over the course of his political career.
In his first term and throughout the past three elections, Trump has struggled to garner support from major Hollywood stars. At the Republican National Convention last year, the two biggest stars onstage with Trump were musician Kid Rock and retired WWE wrestler Hulk Hogan – a far cry from a superstar at the height of their career, like Underwood.
The Grammy-winning artist is as high-profile as you can get in country music, not only with numerous platinum hits, but also with public-facing, mainstream business associations. Underwood is the face of Sunday Night Football and is set to make her debut this March as a judge on ABC’s “American Idol” – the singing competition show that catapulted her to fame when she won in 2005.
While many NFL fans will likely applaud Underwood for singing at the inauguration, any time a celebrity aligns themselves with Trump, they run the risk of alienating left-leaning fans and Hollywood allies.
Underwood has kept her politics under wraps over the course of her career. In her statement, she did not mention Trump by name and kept her focus on unifying the country – still, Underwood’s decision to publicly align with Trump is a big statement for any star, particularly one as private as the singer.
Historically, Hollywood has always been closely associated with the Democratic Party, but country stars have always been an outlier, leaning more conservative. In recent years, as new singers join the genre, country music has gotten to be more progressive. This past election cycle, country stars like Mickey Guyton and Maren Morris stood with Vice President Kamala Harris.
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Управление строительными проектами
Организация строительными проектными работами и реконструкция зданий: важнейшие сервисы организации AC Holding
Предприятие AC Holding уже за 22 лет деятельности продуктивно действует на рынке строительства области, реализуя широкий ассортимент предложений в области возведения, реконструкции и реставрации. За это период мы осуществили больше 900 решений, включая 300 реконструкционных работ, что доказывает наш квалификацию и высокое уровень реализации работ. Наши работы охватывают как большие сооружаемые сооружения, так и восстановление зданий, что делает надежным партнером для заказчиков каждого масштаба.
Организация сооружаемыми проектами
Одним из главных из главных направлений деятельности AC Holding является управление возводимыми объектами. Мы принимаем целый процесс процедур: от проектирования и согласования документов до завершения объекта в работу. Наши эксперты обладают большими знаниями и долгим практикой, что обеспечивает решать даже очень запутанные проекты. Мы обещаем следование графиков, расходов и надежных критериев результата.
Наши сервисы содержат:
Сооружение деловых и жилых проектов.
Перестройка и реконструкция зданий.
Фасадные и кровельные объекты.
Электротехнические работы и ремонт электрики.
Создание и художественный дизайн.
Каждый проект проверяется строгим контролем уровня, а все наши сотрудники ежегодно проходят процедуру сертификацию. Дополнительным значимым свидетельством ответственности компании являются лицензии на все виды строительно-монтажных проектов, а также существование сертификатов ИСО качества, безопасности работы и природоохранной защиты.
Реконструкция и перестройка сооружений
Сохранение уникального объектов — одна из важнейших функций нынешнего строительства. AC Holding занимается на реконструкции уникальных зданий, объединяя обычные способы процесса с инновационными технологиями. Мы понимаем, что такие уникальные объекты требуют индивидуального решения, и наши эксперты внимательно прорабатывают каждый отдельный этап, чтобы поддержать индивидуальность сооружений.
Наши проекты в этой направлении содержат:
Реновация экстерьеров и внутреннего пространства.
Стабилизация строений зданий.
Реставрация художественных деталей.
Внедрение инновационных инфраструктурных технологий без потери для исторического облика.
Почему останавливаются на AC Holding?
22 лет на строительном сегменте.
900 выполненных объектов, с учетом реставрацию и реновацию.
Свидетельство исполнения на все выполненные объекты.
Всесторонний подход — от проектирования до завершения объекта.
Опытные эксперты и инновационное инструменты.
Подайте заявку на нашем платформе, и наши сотрудники свяжутся для обсуждения с вами для обсуждения деталей.