HERMAN does not come from a devout Muslim family. For him, saving money in a Shari’a bank or taking out a Shari’a insurance policy were not things he felt he had to do. But after research, he changed his mind. With this new point of view, the insurance of PT Takaful Indonesia for educational funds found a place in his heart. “The agreement is clear,” he explained.

This agreement is one of the reasons that Shari’a insurance is causing q