تقييم سياسة الاكتتاب في شركات التأمين التكافلي : دراسة حالة (مجموعة من شركات التأمين التكافلي الماليزية)‎

Abstract EN

This study aims to show how Takaful insurance companies can follow an underwriting policy that enables them to withstand sudden events, by evaluating this policy in relation to a group of Takaful insurance companies operating in the Malaysian market, by evaluating the components of insurance portfolios as well as calculating the development of the total and net premiums and solvency rates in each of the companies in question.

The study concluded that if the Takaful insurance companies follow an expansionary underwriting policy, this leads to the company bearing risks greater than its orptive capacity, and if it follows a contractionary underwriting policy, underwriting opportunities may be lost on its insurance portfolios, and thus Takaful insurance companies must follow a rational underwriting policy in order to maintain Their solvency and their clients, too.