Takaful in the MENA region : finding the right ingredients for success

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      <subfield code="a">While the concept of shari'a-compliant insurance has existed for several decades, it has gained momentum significantly in the past 15 years. Takaful companies have emerged in most Middle East and North Africa (MENA) markets, all seeking to take advantage of this niche and potentially profitable segment. With the exception of Saudi Arabia (where all insurers operate under the unified co-operative insurance model, which is distinctly different from the traditional takaful model), most of the remaining Middle Eastern takaful operators have struggled to establish competitive positions in their respective markets. A.M. Best considers this to be somewhat disappointing, given the natural opportunities of providing shari'a-compliant insurance in countries where Muslims are in the majority</subfield>
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