A study on the level of awareness and understanding of motor takaful and insurance among staff at JAHEAIK in Kelantan / Nur Athirah Mohd Fauzi

This study investigates the level of awareness and understanding of motor takaful and insurance among the staff at the Jabatan Hal Ehwal Agama Islam Kelantan (JAHEAIK) in Kelantan. Takaful, as an Islamic insurance system, provides risk protection products in compliance with Shariah law. Despite its significance, awareness of takaful products remains relatively low, even within organizations knowledgeable about Islamic practices, such as JAHEAIK. This research adopts a qualitative approach to assess the staff's awareness, exposure, and understanding of motor takaful. Data were collected using qualitative methods, including interviews with open-ended questions to capture detailed insights into the level of awareness, sources of information, and barriers to accessing information about takaful products. Additionally, the researcher also used library research and observation methods. The findings reveal varying levels of awareness among the staff, with many demonstrating limited knowledge about the specifics and benefits of takaful. The study underscores the necessity for enhanced educational programs and effective information dissemination to foster a culture of continuous personal and organizational development. These initiatives are crucial for equipping JAHEAIK staff with the knowledge required to make informed decisions regarding takaful products. This research contributes to the existing literature on raising takaful awareness within Islamic institutions and provides valuable insights for takaful providers aiming to improve communication and engagement with targeted clients.