The awareness of people to have hibah takaful case : a study in Prudential Assurance Berhad / Nurul Atiqah Mohamed Ja'afar

This research focuses on the The Awareness of people to have Hibah Takaful Case : In PRUDENTIAL ASSURANCE BERHAD . Based on the research about Hibah, Hibah is in Arabic word but in English Hibah is a gift. Gift which someone gives a specific present to specific person which when the other person get the present they will directly loved it. But in the Prudential word, HIBAH means that it is actually is a life insurance that specifically the insurer been used to give specific amount of money to the beloved one in the family after the death of the insurer.

Based on the research , there is a lot of people does not have the HIBAH because they think that it is not important to have Hibah in their daily life. All people especially MUSLIM people does not aware to have HIBAH because they are got been educate to have Hibah. Hibah are one of an investment that everyone can do. It is the investment that we can give to our family members when we are death. When we have the HIBAH, we can give a present to our family members in term of money. In ISLAM, once a people death , their wealth and money will go to FARAID term at AMANAH RAYA .So In order to get the money and make it in cash, they need many procedure to be settle. So it is complicated to settle down. All family members must be agree to what the will are to said.

Based on my research , people used does not aware about Hibah is because they are lack of knowledge and information about HIBAH, for MUSLIM, they does not aware when death are occur, all their wealth and money will go to AMANAH RAYA, third they are not aware of insurance in their daily life until death and difficulties occur. If too many people does not know about HIBAH , it will make too many MONEY THAT does not be taken at AMANAH RAYA. Lack of HIBAH information will affect difficulties of family in future. ln addition , if the sum insured people are death and have HIBAH, they have something to give to their family when they are gone. So their family does not have to be a beggars. They just have to live happily without difficulties about money.

The research design used in this study was the qualitative approach, which allowed the researcher to use structured an interview session and observation. The findings highlighted that people need to know well about HIBAH in order to make their family save in the future when they are gone. The recommendations highlighted that the Agent of Prudential should promote the HIBAH product so that all people know about the product directly and all people should have the know the important of having hibah in their daily life.