It all started in 2019 when I received last words from my late uncle’s advice encouraging me to take insurance or takaful policies but I have no idea what this thing’s all about. Then, I started to learn more about this financial discipline by self-studied and took the exam TBE since I require the textbook from IBFIM. Then, I discovered this system is the answer that I have been looking for to build a foundation towards a much better environment in our community.
Why I said that? And why I more focussed to Takaful not Insurance? Well..
How long we have been lived in the world where the vast majority losing their pride of humanity by sacrificing others for own profits. Where nowadays we could not built trust even among friends due to a lot of scam and fraud so they gain profit and they sacrifice humanity with that. We live in the world where we could not survive unless we have protection and coverage from the people who have authority on us exactly like a slave. Is this freedom which our ancestor fought for?
But I believe, when the vast majority of people start contributing in takaful with the intention for taking care of other people wellness including ourselves. I believe one day, together we will able to protect our value from being manipulated by capitalist. I believe, by together people able to be indepedent from their nose being carried like a cow and lost their own direction of what they meant to be. One day, I believe there will be no longer small children (orphan) begging for donation for their survival and they could have better childhood and become a much better person. I believe, by contributing not for our own profit, we able to reach better humane relationship in our community and by together we able to win a war from demonish behaviour within ourselves — “demons are nothing but lie, they give up their sense of reason to protect themselves, they harm/trick people as if its their nature.”
How takaful could help us to achieve the world we dreamed for is lies on the principles of takaful foundation which is joint-guarantee among contributor, and why insurance do not have that but made it even worse. To explain how insurance work in a visual intepretation. Imagine you as a stall owner in the public market place. To protect your business from collapsed by destruction from third parties, you paid protection fee towards mafia. Now, your whole business survivality depend on mafia protection since you vulnerable being alone from a group of mafia. How about takaful? Same situation, you as a stall owner but this time you cooperate with other stall owner and made a fund contribution from every owner to help other stall owner if their business collapsed due to destruction on their premise. In the end, both give the same results but both give different impacts. What happen with the last one, the community build with the foundation of taking care of other first, the trust nurtured in a community and with trust it give more room for the growth on each individual in the community to become who they are and proud with it. By together we could achieve more from what we could imagine, not just protection from risk.
What we need to do now is just start small. Take a first step to become a better version of ourselves, and ask ourselves which world I love to live out which worth with my sacrifices in contributions, efforts, energy and age?
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