Berita tak baik untuk perkembangan kewangan Islam …
Bagaimana sebuah syarikat Takaful boleh ditutup?
Dari petikan berita di bawah, puncanya kerana Salaam Insurance kekurangan dana pelabur (shareholder fund) sebanyak GBP 20 juta.
Sehingga berita ini tersiar, Salaam Insurance baru sahaja melancarkan pelan Takaful rumah pada 8 Ogos 2009.
Persoalannya sekarang, apa terjadi selepas semua pelan takaful sedia ada tamat tempoh? Adakah Salaam Insurance akan terus ditutup – meninggalkan HSBC Amanah sebagai syarikat tunggal yang menawarkan kemudahan takaful di United Kingdom.
Pengajaran dari hal ini ialah kita perlu mengetahui latar belakang syarikat di dalam memilih syarikat takaful dan pelan-pelan yang sesuai untuk keperluan kita.
Islamic insurance company Salaam Halal closes to new business
The first Islamic insurance company to be launched in the UK has closed to new business after failing to raise enough capital to continue trading.
By Jamie Dunkley
Published: 9:18PM GMT 18 Nov 2009
Salaam Halal, launched last July, has written to suppliers and partners informing them it is now in “solvent run-off”. A note has also been placed on its web site revealing it is no longer accepting “new requests for insurance quotations”.
The company, which has 10,000 policyholders, said it is now looking for fresh investment and would honour all existing policies until they expire.
Salaam Halal’s parent company Principle Insurance Holdings raised £60m from investors across the Middle East and Malaysia when it was launched. However, Bradley Brandon-Cross, its chief executive, said the company had originally hoped to raise £80m, meaning it was left with a shortfall.
The insurer had approached the investors for more money, but found they had been hit by the global economic downturn.
Mr Brandon-Cross told the insurance trade magazine Post: “Regretfully, a recent rights issue did not produce sufficient funds to support the company’s continuation beyond the life of current customer policies.
“We had planned to raise some more, but unfortunately the Gulf states have been as badly impacted by the credit crunch as anywhere else. People there have invested on the New York and London stock markets, and property too. Since we stopped taking on new business we have had a number of enquiries from potential investors interested in continuing the firm, but these negotiations are at a very early stage.”
Salaam Halal sold “takaful” products, which are compliant with the Koran. This forbids the practice of interest, risk and speculative behaviour.
Instead, customers invest into a pool that pays out whenever a claim is made. Operating companies run the pools and invest their funds according to Islamic law.