The Importance of Takaful (Islamic Insurance) among Commerce Department Staff in POLIMAS

Takaful insurance has the same function as the conventional insurance. However, both are different in term of operation. Takaful is a type of Islamic insurance, where member contribute money into a pooling system in order to guarantee each other against losses or damage that may inflict upon any of them by contributing as tabarru or donation in the Takaful funds. Takaful branded insurance is based on sharia, Islamic religious law and explain how it is the responsibility of individuals to corporate and protect each other. Takaful insurance is very important for us because it is for our future. Purchasing the insurance is the good idea. This paper attempt to determine the importance Takaful insurance toward people especially parents, using Polimas staff from Commerce department as respondent. The researcher intends to determine the importance Takaful insurance based on independent variable; protection, product feature, saving and services quality. It important to make sure that their customer always exceed their expectation toward takaful and its product. The objective of this research is to identify the important level of Takaful insurance among commerce department staff, determine the most factor that influence commerce department staff to purchase Takaful insurance and identify the commerce department staff expectation towards Takaful insurance. This research is an exploratory by using quantitative method. The purpose of the research was designed to measure the importance Takaful (Islamic insurance) towards commerce department staff in Politeknik Sultan Abdul Halim Mu’adzam Shah (POLIMAS). This research were analyzed by descriptive analysis on the questionnaire that relevant with our objective base on independent and dependent variable. This research employed a population of commerce department staff were chosen as a sample of research randomly. Total sample chosen is based on Krejcie and Morgan table [1]