Naatiajatu Daynu Plan

(Takaful Credit Protection Plan)

Whoever removes a worldly hardship from a believer Allah (SWT) will remove from him one of the hardships of the Day of Judgment ‘’Prophet Mohammed (PBUH) (Sahih Muslim Hadith no. 59 as narrated by Abu Huraira)


The plan is designed for anyone with any form of short/long term interest free loan for starting a business enterprise. The plan secures a cover for the payment of outstanding loan facility should the participant die before completing the payment of his debt.

Key Features

  • Peace of mind is assured
  • Guarantor is relieved of any liability on credit facilities
  • Financial protection to the dependant in the event of death of the participant based on the principle of Tabaru
  • Dependant will inherit assets not liabilities
  • Tax relieve on contributions
  • A simple and transparent plan

Takaful Contribution

  • Payable as a lump sum
  • It depends on the amount of the loan
    facility and the mark up profit.

Plan Coverage

  • The plan covers death of the participant’

Payment of Benefit

  • Outstanding loan facility shall be paid

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