Episode 2 | EFU Hemayah Takaful x Tribune | Podcast Series

The second episode of EFU Hemayah Takaful features an insightful conversation between two of Pakistan’s most respected voices in Islamic finance: Mufti Irshad Ahmad Aijaz, Chairman Shariah Advisory Committee, State Bank of Pakistan, and Mufti Ibrahim Essa, Shariah Advisor, EFU Hemayah Takaful. This discussion breaks down the key differences between conventional insurance and Takaful, addresses common misconceptions, and highlights how Takaful is deeply rooted in mutual support, ethical values, and core Shariah principles. The episode reaffirms EFU Hemayah Takaful’s commitment to providing authentic, Shariah-compliant financial protection, bridging faith with purpose. 0:00 – 0:43 What Sets Takaful Apart from Insurance? 4:53 – 7:20 Surplus Distribution in Takaful 2:12 – 4:30 Shariah Perspective on Mutual Risk Protection 7:21 – 8:15 Prophet's Guidance Behind Takaful Principles 8:16 – 9:28 How Do Takaful Companies Earn Money? 12:16 – 16:55 Islamic Investment Guidelines in Takaful 13:33 – 16:55 Surplus Purification & Charity Use 17:02 – 18:56 Takaful’s Growth & Role of Scholars 18:56 – 21:47 Financial Inclusion Through Shariah-Compliant Solutions 21:47 Conclusion #EFUHemayahTakafulPodcast #EFUHemayahTakaful #EFULife #ExpressTribune #SECP #Podcast #Insights #Takaful #Shariah #Future #Growth #ShariahCompliant #IslamicFinance #Pakistan #Hadith #WakalaWaqf #SurplusSharing #Deen #ShariahScholar