Sie sind auf Seite 1von 32

In the Name of Allah, the most Gracious, the most Merciful

SPECIAL THANKS TO

SIR MIRZA NADEEM BAIG

GROUP MEMBERS

MUHAMMAD ALI
08

HASNAIN HAIDER

MUJEEB-UR-REHMAN
26

TABARUK HUSSAIN

17

TABEL OF CONTENTS
INTRODUCTION
VISION AND MISSION STATEMENT
Products
CHARACTERISTIC OF PRODUCTS
DIFFERENCE
BETWEEN
TAKAFUL
INSURANCE
MARKET STRATEGY
SWOT ANALYSIS
RECOMMENDATION

AND

INTRODUCTION

Dawood Family Takaful Limited ("DFT") was incorporated in Pakistan as public


limited company on 4 May 2007 under the Companies Ordinance, 1984 bearing
registration number K - 0060797. The Company received the certificate of
registration on 16 May 2008 having registration number 5 under the provision of
Section 6 of the Insurance Ordinance, 2000.

The company is regulated by Securities and Exchange Commission of Pakistan .

The registered office of the Company is situated at 1701-A, Saima Trade Towers,
I.I. Chundrigar Road, Karachi.

The principal business activity of the Company is to undertake family takaful


business in accordance with the Insurance Ordinance 2000, Securities and
Exchange Commission (Insurance) Rules, 2002 and Takaful Rules, 2005.

VISION

The company will strive to become the Takaful partner of


choice in Pakistan catering to the financial protection,long term
savings,retirement and financial planning needs of
individuals,businesses and the public sector in full conformity
with Shariah principles.

MISSION

To be recognized as a reputable, profitable, Shariah driven


Family Takaful operator offering innovative financial solutions to
its clients through best in class talent, technology and
distribution power.

PRODUCTS

Sukoon
Salamti
Samar
Sahulat
Salary saving plan
Single contribution

SUKOON
(ENDOWMENT FOR RETIREMENT)

Plan your retirement days with Sukoon, a plan that gives you the benefits of
financial protection to address your future requirements and fulfills your desire
to grow savings in accordance with Shariah principles.

Sukoon has a unique competitive edge in terms of contribution paying term for a
period of 10 or 15 years and get the coverage till maturity at the age of 60 or 65.

Sukoon provides endowment benefit at retirement, or in case of earlier Death


pays such benefits to your dependants.

10

SALAMTI
(FINANCIAL PROTECTION & SAVINGS GROWTH)

Change is the essence of Life. Some changes make your life colorful but
sometimes a change can be quite challenging.

Now you can prepare yourself for change by participating in our Salamti
Takaful plan which provides you with both Financial protection & savings
growth in accordance with Shariah.

You can choose any term of payment from 10 to 30 years up to maximum


maturity age of 65 years. Salamti gives you peace of mind because your
beloved ones are secured financially for the future.

11

SAMAR

(CHILD EDUCATION and MARRIAGE PLAN START SAVING TODAY


FOR A SECURE TOMORROW)

Samar is a unique Shariah Compliant plan which accumulates funds for your
childs Education / Marriage and at the same time provides your family the
protection in case of an unforeseen event.

It has 3 inbuilt features of Family Income benefit, Plan continuation benefit &
Accidental death benefit

12

SAHULAT
(cash value for retirement)

An excellent combination of Takaful Protection and Investment Return to


ensure a secure future for you and your familys various needs.

Our Sahulat Plan is designed to help you plan your future financial needs.
Sahulat is a Shariah compliant investment and financial protection vehicle
which can secure your future financial well being.

13

SALARY SAVING PLAN


(A SHARIAH

ARRANGMENT TO PROVIDE)

You may decide your regular Contributions subject to minimum amount. These
will be used to purchase investment Units in our managed SHARIA funds of
your choice; Balanced Fund, or Income Fund.

You will have access to your funds including any profits which can be
redeemed either through partial withdrawal, surrender, in the event of claim, or
survival at maturity.

The fund value may fluctuate based on underlying performance and not
guaranteed.
14

SINGLE CONTRIBUTION
(Investment Linked Takaful Plan)

You may decide your minimum contributions subject to minimum amount.

These will be used to purchase Investment Unit in Our SHARIAH managed


funds of your choice ; Income Fund , Balanced Fund or Aggressive Fund.

The fund value may fluctuate based upon underlying asset performance. ear
FIB will give 50000 wazifa to age of sixteen year and FIB will give 100000 for
marriage women.

15

PRESENTED BY:

Hasnain Haider
Roll No. 17

16

CHARACTERISTICS OF PRODUCTS

PRODUCT FEATURE

Shariah Compliant Riba Free investment Growth.

Shariah Compliant Financial Protection .

Surplus is Distributed to participants.

Enhance availability of savings at age 60,65,70 & 75 years.

Participants can withdraw money from their investment account (PIA) at any
time before maturity after payment of 3rd year of contribution.

Pay for a period of 10 ,15,or 20 years and get takaful coverage till maturity.

17

CONT

Choose your own risk-return combination based on your circumstances.

Annual, semi-annual, quarterly or monthly payment period.

Enhance your financial protection by choosing covers e.g. Accidental


death and disablement, critical illness, family protection, family income
and funeral expense etc.

Top-up contribution can be made at any time without any administrative


changes

18

DIFFERENCE BETWEEN TAKAFUL AND INSURANCE


Issue

Family Takaful

Life insurance

Essence
of
intension

To create both spiritual & legal


relationships

To create legal
relationship only

The
company

The participant collectively


appoint the takaful operator to
act as trustee / manager of the
Waqf and investment funds.

The insurer offers


insurance services as
commercial business

Premium
or
Contribution

Each participants pays Tabarru


(donation) into the Waqf fund
which provide the takaful
benefits

It is a contract of
exchange (sale and
purchase) between
insurer and insured.

19

CONT
Accounts

The contribution is
segregated into two
separate accounts
A. Waqf fund
B. participants
investment
account

Premiums are
credited into a single
account known as the
life insurance fund

Benefits

Paid from the Waqf


fund under joint
indemnity born by
participants

Paid from the


insurance fund legally
owned by insurer.

20

MARKETING STRATEGY
They are going in the market to aware the people
about Takaful concept.
They are telling the people about Shariah board
scholars.
Shariah board scholars are Prof. MUFTI MUNIB-URREHMAN,MUFTI SYED ZAHID SIRAJ and MUFTI SYED
SABIR HUSSAIN.
Shariah board people are agreed that concept of
TAKAFUL is hilal.
The income who will earn from DAWOOD TAKAFUL
you can say HAJJ and UMRAH.

21

MARKETING STRATEGY OF
DAWOOD TAKAFUL GENERAL:
The marketing strategy use for products
of DFT General are:
The DFT General insurance company use
many strategies for launching and advertising
of General products. In which following are
includes:
Through Internet
Through advertisement
Through mass media
Through news papers

PRESENTED BY:

Muhammad Ali
Roll No: 08

23

SWOT
ANALYSIS
24

STRENGTH
Its

investment sector are own


Dawlance
Dawood Burj
Dawood textile-mills
Engro foods
Numl university
china electricity (hussain dawood)

25

CONT
Takaful

is an Islamic state.
Shariah board> certificate> fatwa
No mark up in return
When a person died in lahore and its
insurance from dawood takaful in
multan its family can receive cash from
the branch takaful in Lahore.

26

WEAKNESS

Jubilee made in 1994

Dawood takaful family made in 2008

Time tenure is the dawood family


takaful is weakness

27

OPPORTUNITY
Client
1.The client is understanding the
concept of haram and hilal.
2.Growth rate high
3.NO mark up in return
4.You can pay your money in
installment
5.NO bound to pay payment in full.

28

CONT..

WORKS EMPLOYEES
1.Flexible target
2.Growth target
3.City branches
4.Salaries
5.Bounses

29

THREATS

NO threats
If competitor company people who
spread rumours in the market about
takaful concept that is threat for
company.

RECOMMENDATION

There is also a problem of work overload for


the employees and it should be control
properly so that the employees are
motivated.
IT draw backs should be improved.
advertising only on Pakistan TV and Radio
Pakistan but now it should properly advertise
and Communicate to public about the
products provided by it, so that more
customers will be attracted.

32

Das könnte Ihnen auch gefallen