takaful booklet eng

8/6/2019 Takaful Booklet Eng

1/13

PAK~ATtI,'Pt FAMIL lAMA FUl L I M IlfElD


2/13


3/13

t - - . .~ _ _J ~ 1 : : ~ - " ;I\ J'!EI~


4/13

TAKA,FUL~~NiNTRODllGflilN

l, .Dna ,man Khau A~ i Jn~e;q (v~;~~). is , w hen ta jlilY P ' : rSOI ' i iI P '~ r,$o,mllll 'yI l Ja ran tE~Hi1~Snother that : : : I i , pa.r ticular road r s safe '~O ~yel an @ l that[hie 1 ~ ' d J b U i i t ) !O 'f : ~ J f1 ynnalf id i ia l l osses m t a t Imig , ta t i n , O L l l r ' a le n,! [he 'w.tq' ' 1 ' : 5 , o nh'~lm~:lS~f~ct t iv~ ly!thls is, a case o f ri s Ik tra n s fe ren c e but wTt l i1Ql ! i ( :~nyi l1lvoVEnne rill of fee~ w h i c h , m t a _ k e s i i t acceptable,II. . ,D h~m '(,J n I - c l ; < ~rk (J~II~~'),: ! S , when : a ! i l y person ~.S;~U res another w i i t h

I Pers o n a I I ,gwa ra n tees ,~ ,ot n Hlj jen,cl~ t h e s a le by , ! t ' 1 2 l 1 1Iilg: the l b u1~ l r '[h~,tthe g u i iMnlnlto r WOlllid be ~le!ii~Cnsible rc r the 1 1 1D ~ S ,j f the! pl i l rehased utemlp.~ ov ed to Ibe r r 3 J L I l I ' i 1 y . S o, in th e eve [1 t of a fln an eial IOISS, '~ha:[pe rsen {theb uye:r) has W! leop tion 'to ei ther demand '~ullrep~rli1ent f r om 'm e seller,or - ~roimthe g~rirrant'or;

Dief in j ' t r o n of f iUS 'k~ ',0 , s , o a J . r r e o f ( J G I ' f ~ , r e f :a p G ! iS s ~ b M il : ty 0 , ' ~ ' t ~ ( ' , u m n , g loss or,m~f~rt~ne.T he p,oS $'~bllh.yo f ' a Pr'!e;!m3. '(1IJ 1 1 " ' e : death a l i i " ~ e - f f l J l ' r e r r n g , dis~Jbi l ' i f tr~0r I IGSS of' ~ i i J ym~! roo r i a lp O $ : s e s s J o ' l f i I ~ k~ a ho u se o r ~ C ~ U "t lh rough f i ' r e a nd " ! l : I i 1 ~ f t Is ~ r is ; ! lo tsll too r,iB aJ lito be ignored or left unadd ~ ss~d. Thess r i ' s l l


5/13


6/13

T / . , J < A F U L " i 6 .N I~TFlODUGTlaN

" 'I!, I. I' ~~I"~- i . ' . J ' L'!! to I b _ , ~ ' r ~I iLl, .11~ J ' i!! ,jI,,",- ~ u I I ' . .I ).!d! i fJ ""'J i.i ~ ~ ~ :~ '!Ii,~, - . UI ;~ t$j~~~lJ"r.J'C ~J"1dII-, Io ! ! I ~ ,~ ' il ,i ii lo oi ;O l ~ '~ .r ' .' ~I' .. f ". .~Ir - * I - b - . 1 _ , ~b#>'~"i!-I' ~ .J ' ;~1 ~ ~;) ~ ry . I 1

" I t ls narrate d by Haarat Us ; : ama b ' i i n Sh4lJ ' e lr a l k that a~ ' omp3 . n . I i ( , H l , . o f IProph,et: Qli) ~ i 7 .W a m J U ~ h ( r i tA ) : i f l lqUl l i ,Mdl ln nl!.. ' M '" I. ' 1 1 . . . . . . . m m ad i~ ~.'C- ~ " " I J I . . i I 1 , j J ; , . . , l i . . . . I I~ , . . ,m ..... lI I ' . . . " 1 ; 0 ; ,; , 0 , ; . ( " " , ./ 1 . .. .; , 0 , ; . . .rl!1 !II 'I- .' i.I~! ~~ .JI, 1 I ; ! . , t l ! ~'J-' ;Jill'u : : . . . ~ I l . ! ! T~'I;;i. 1,#1,"'-"= ': ,I,.!


7/13

1?j . j~QATAFI FA t 1 l l v TMArut. L IM IT ISC

Wn~ ; r :$ expe c ted from IU ~ is th~twe s ho eld c o o ip e,rn '~ eam c ~ g . s ' [ ourse lves~ nd become p:Ula rs o f ~lt i rnl1gt l l l a I 'l ld support fCH !ac'h ether '~ n 'tilm es o fd im C : l U I Li i ' ,es:a nd m ~ s f o r t ) L I l r n e . s ' H i 1 i t d : s , ~ swhat lslam teaches u s , and b y f o l l o w f l l 1 l : 1 ~ i 'th ils eom m :a J l I 1 d m e i ' i i i t . w e c a n promo te ~he concep t . , o f blW'i jJ ' [ner i loo d i l f ' l i dle' w o r i l d , ' a n d : ! ! : J r i l 1 i 1 ~ , r : l y mlf i t iL l Ja Ioope '~ , '~~ ' lon!~ [ l 1 d r m u w ~ 1 ~ iOU~ r !l ty " l'hb ; ; ~ '~ex~a dy'wh~t T ' a ! 1 t 2 l J 1 1 \ ' ~ 1 S Q tlld is w o r;, 1 1 1 1 1 1a l ' ( a f ! i . l l l too, p 2 l Jrciclj'parilits e x t e : n d , thu~ i r~uppolrtto a a c h c t l m ~ ' r ' in dm l ~ o f f n a nc la l m is fo rtu uU ~S " ,In the ~ii)ah Y'~~,ro f the Hijfij' date, the f'rolp,ltI~tMi!Jh : i i ,mm~d < e o J r m ~ d l , ap a c t 'w iwh t i n e : j 1 e w : s ef M ,ed iin a 'w hk h l s g . e o e , r a i l l y known a s , the "M ee: th~,q =~= M ::8 :d~fiI J , ' , Var leus clauses o 'f 'i t ~j re exte.n~ i rveily ml~lHltiol1led tlhl'O,ugjno..at1$I'an i lk : H ~st~OI!iY; : J j n d 3 , . I ! S iO h i! va rious b o o k s O ' f $ l . Q ! 1 1 f 1 ! ~ n ,Thls pact'~ based 0 ' 1 1 tha pri i iru:flpl!~off'breth iSrlhood :lind I I i l1 i lU i la i ,siolidan'itl':aJ l " l ida J S s u ch O I 1 , e 'O f the I~ l a J l I J s e : ssta tes t h a r l t ~ \ l . e : ' f e r y rn~mbe, I ' " will ,~alle to ~ ~ , Y '! " I P ' M ' F i l 'l im h , ;: :; ; . .. e"" ~ " " " , r ' I ~~r ,.,i. t i Z i o r . . . c .I l" ' ih ; o B , . ,- " '; ' . . t i:iJ "'r~"a';' - m . .. .. .. i 1 " I ' . . . g ' ~ h " " " " " 'I .. .. .. . .. . .. .~f'I; ........... ' I b - . " . 1 1 ' 1N,~.~~l' ~v. :'_~:~~'~~yiy~~~ I!I ~,v~'lf~~' 1~1'I;:.~r-:~~!:.~'r-'~ ,(~!I)';:I 'Ii I ~ ~ _ I _ I _ ! J I \ . IW_d~, IU 1!1~ ~L6~r'u~ I!l~;__:- _.' ~ i - ',ef l 'f~e~in,gt t l he , , s la v ,e w H 1 1 b e en l b l l e , shou I d e r s 'o r those to wl l lo$s , ' t r i b~ the, ~ I a : vew i i l l b e l lo l l l r g , T h I ~ s ~ S i : a Pll l1TI@ e x a r n l p l l e o f tne concept o f br-othewlhoad, i 1 f j l T 1 d s~Hd . a J ! l i l t , y i l i ! ~~ ls l ! 3 . rm " - -Sue h i k l nds ,o ~ 'p a c ts ha (Ve~een e : ! d s , 1 D e n t dug~tlll,~he ful l IS ,o f i the C all lphs aswell,~ th()u~h not ! b y th e n) [ IJJme' f Ta!k:arful l . l~r l lYi le, \ l Ier 'mile s:pi ri:t o f ' l a _ , k _ a : r ! L I 1 has; ~ l lwaysbeen ' i the~: c l H f e r e l i 1 1 1 :peop le ' m h r o u g h ' co imml l ; , . l f i ! ;~ ty . -poo l ing h e lp c re ate~ IC Q m rn o n fu nd W I il~ ' iC :h T s , u s e d to beil~iflit them in 'tj' lm l~ ,s ,o r iii e e d ,Therefere, thare i~no do L I l b t _ abou t m e pe~m ; S S : L C , i I l i t _ y O F T a J k a f u l g j \ i i l e n r h a els f l J ! l r H : : I D i ' l o n i f i ! ~ ' C : U ~ I the pri[ndple~ ' o f 'bretherhec d a n d l O i l u t ua l s o l l i d a : J " r r t y a n d'wit!h sjnc~rity;

1 '111 shareho lders 1 \ 1 r s t f r y woul l d c rea te a 'Waq f P od l in 0rde it '[0 ii f i i t l1:~,ooheT :a k :a f u I actlv ltles, Be c , t I i , [ . J s e : ltihey ! h adb e en m h e e'lli~, 1 D O e s t 3 , b l l i s h th li~W : E i J q ft h ey ~ re c ~W lledtheWa'qif~whe~s m h e ~w!ilership o f the W;3 l ,(J lfs t~fl~~erredto AI13 hAllmig luy . ~op~I ,~ : l !H f~ ,a J b l e t lOJ benefit f r om u e , for t h e J r r r~1


8/13

T A K A IF U L A N IN fA O DU C T IO rq ~AK ' .aATAF !J FA MILY TA~AHH. L IMITED

The Shar~ho lders ' t h~ r l f eam~~ f ' fo rm u I li :ze,certal n cond r d o n s for th eW~q r f'whi,e,i l l w ' ~ i l l ~'Ol rn l lt~~ basis o f lts Q P '~ r,a 'ti!o ns . B a ~ e d o n the l F i i ' q l h ruHn,g' l . .~L. : :J lp ~jI.b~ ~ , these c o ' n d i d oIII'S:~'rE ] l i i dg~d to b e a s iflectie ~Ind v , a n da s if the-y w o , u ! 1 d ka!.V' ,e e e n 1 1 : ~ i 'dOUt, by 'd~e,Sha~' ;~a,~ts elt'flhi~ m eans c h [ t (' t h e ' W a , q i ( ! , b y i l ' l ! t [I!_U~ , o f ' its Ih~i~ p o s l t lo n ~~f i !1 '~kere'fo,re , ~ I J I I I P l1 !a r t e that f i f i ! @ J l '! ! d a jbene"~ t -s 'm ay only b e p ,ro v id ed ' to , rho se w ho con t r j b ute ' ' 1 1 . 1 0 th eWtlq f Poo l . .The' re l aJ t~o f i l ~ ,hp o f I b h e ' pal!tt i c : ' ~ P ~ ' ! j '' i' [and dille W 'a q w o n '[~ e o , 'l:he r han d ism ere ly a re la tlo ns hjp ,o ~ 'an A qd T1 i ; b ~i l ! i ' 1 1 I -The co ntr i ibu t io l ls , paid b y d~e partlclparrts :~JrerecQ,gn~zed as Taburr u'at: a n @ 1 not : a J S Wa , q ~ !and i F Ii f a c t becom e '~ll le~p r o l P , e r t y o r th.e 'Wa,qf . lh i t s : is a k inee tru~ ,char i ty w e ,g , ivEi ,el:any otnerWa~t ' ~ h e e h a r i i t y liveli1 is n o t eons lderedas:W i a q f but s T r m p l y 3 1 S 'a ,donEaoon . 1 l i t n r ~ ,mean s ' ~ h a r t the p:a!rddp3fi1l1S ' im,medl ia te" ll o o s e th,ei r r i , g l il r[ , , o f oWl ' i i le ! r 'sh i i ' IPI '~h,ere~o~e I t h e , i l: i1 I iw sperta . i im i ng Za k a t : and i le~efill the' IIi1nerit::mce law' 'W , C ,U iI 't an 1 m I'iI h era, As m en' l t i io ,ned i e a r l l i , e t : 1I t h es.erll I .eo n trlb u tien s b ec om e ~dn~:Ptr 'cpen:y ' o'th eW:a~f with 1mm,ed i ia l l t :e e:l'ea aJrI'Ithus beneifi~ from it neecf to' b e : a c c o r d i n g to, the, eO)nd im l ~ns sanc : tio l1 l 'edb y du~Waq r f . such as 1 U ! t l i l i z i I l ! g these oa litt ib u tio l '1 l s , 'fa r ~ h e : pa)i ' ir l fU!fi l l t of c l l a J i r 1 1 1 c S ~fe r ~XaJ , lfn llillle. H en c e,~ it is - t he WO Jq~Pool wh I , e n 'co I iTi l~ansa ta s fo r tn ep : a r ~ r c i i pant's less and no,t th e T a k s f u I IO~~rntor.T h e f 1 . ! i l n d s a , v a n : m J l b l , ~~r i I the Wa q ~ ' P e o l ate i f i l , v e ; s , t ~ d in S h~Ii t~ 'al l lC o ,m p l l a n tb u!s;~I!I~S a,ELi1il!i~.Any p r o : f f ii t s , l~ a . l! I! z e d f ro m these inv~$,tm~rlts , a f ~ ,return ~d I It - ~Ik,~ W : " " - if .. II.. ao"D"i lE . .. i fI . -'0 '!I.~i~ " ,uqi' 1 1 . , 1 Ili;""g'~~:1 eer,

The cC ),m pany 0r the , o I P r e r , a : t o l l i " serves a s : 'the ' W a K e , e l or the 1 M 1 a , n 3 ( g e l lio ft h e Waqlf 1 ~ ; U i f ii , dand charges a ~W~,kaJl:al,ee" fCH ' lt.Th is fee ~ s pa i d l~rOlmtheW1l iq rF~nd.,~ the 'Wa.l~ee!l,the all'erator must T n v , e s t 'the f l ! . . l nd ls ; avallablein t lhe:Wa,qf IFoo l ~f i ! Sh ' a l l l i " l ' a h-cernp Iianlt . bus jness es ; r o , f ' I P l r o f i 'i t :, s , . ;S ince tn,e0 l lPerator ~ s t h e M u d ; ; ' j j l i i i b (w o l li l~ dng : p a r tn e r) a n d ] ,the W~ q~ ' F l !!n d is tn,eR a l b u l- 'I L II I, ~ M ' 1 ' jn l ( s l e e : p i n , g partner], any 1 I P I ! I " ' O ' f i r C $m ad e f r o r n tile i f ' r ! : v e - : S , ' tments' a l J i : e :shared b e i ~ e n the 'mc, en pre...{!eflnedil pen:e:ntages.

I. , COI i1 ' iD r i ib uelens I p a . i d b y the paJrr t i fc ,~paf i l l t :s2 . ,C l l caJ im 1W ' 3 . Y I T i i ' E ! : I 1 ' t : s , r e ce iv , e@l f rom Re,~TaJ ka fu ll O pera tersJ . , P m c o m t e o s ,na , de m h o l m i i1fIe.S,t if i ig: d le fund i 'S , 3 . v a i l l : a J b l e : i n th.e wa . ~ f Pool'~ ' . ' Q a r d = e ; - I= I : a J s a j ! lia ~ I p a i c l by the O l p j ~ H " a J J t ' O ' r in a n even t (),'f : a J 1 ' i i ( YDef1d ' iLs . , M~'.~cel l la l1 le~!J l~e n a , 1 t ih J [ ] l~ to ' the 'Wa 'q fJ 'IP ~ o ,1


9/13

TAKAFUlA.N INTF lO I ) l )CT ION

( I ~ Ctbiri!5( ~ : 5 U t ' lp J l . t! l [ ) i~ I li ' i b w 6 o f 1 l l1

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W .aq f folJnd------_ ! p I V ~ i l ; .t :< l !f~,4 igr t ~W f l ! ! r f l c l )n}\"1,!3;.~ F~4 l g r r ' i ~$~I ; ! f I~J

I,"I I : : : I j l i m I p a ym ' e ! f i l i t s :2 . Fte- 'T~k i lf l~d p~ :~ym lef ii ri J ; ;i3 . .W~II~'t j j I :aF ' e ) ~ o f t I l' i @ . Operator,~ "Operator ' s peFCe' l i tag-e ' lin the i l i1ves,trn lell!l: I W J l lf O ; 1 l i iUm:i3Jdles , . Po:r t io~ . o f su l iP I Iu s w h id 'n is d i :s l . '~ l i i ibur ted to ' [he ,part le i l pan ts ,6 1 . R ep~ rm e '!i1 t: f O~rdl . e -Hasana1 " A l l ' l ! ' t d en a no ns p a ld en ~ h e : f iec :o rnmendat i o ' l 1 l o f S h : i 3 J r ila h I B ~ a r dT he re are tw c classes ofTakaJ I J J I , :I , . G ,e n ara l T ~ I(3 fu II2 .. F ,a r ! 1 l i l l ' y ' fak~uI

~n 'G e n e ra l Y a J IG t J l[ . I l !the W ia J q F ~ ~ ,m e m b e r $ h i I P r $ are ~$$igr~e,dt o 'those, w h olii,eE !d to m i ID igaI te r i s ! l c ; ; S to thedir :@j;ssetsI l ike a i l r " ] ~ I I : i 3 J n e ; s ~mot'~III~1


10/13

f:amill,' Takaful or Life T'aka,fuilThe : I ~K~n ' t i c i I P~U l t - $'f HJJmi l i yT h l k ' t J J r u l l mitl 'gat,e: , t lhe~r risks, pil rt -ah ,'h l lt g '00 t J h e J rIf rves by a c q u i ri I i i ,g'a 1 l I i1 ! : 1 i 1 i ~ ers hip o fJ ' the W~qf J IF iu l I ld . ~n addit ion to tilep retec tio n -e I ! em e n t , I paJ l l tlei P a J J l i i [ . s , c a n fIj,ll~o use , h,m ~IyT a k ; a L ~ 1 ' I ! J ~OI l ! " , t i l e ii It "inv~;t!in~H'!It.need~ ' ' ~ n r o l l ! g _ h a n other FUfi! d c~jlll'edthe: l ~ a J r o , ! i : J I I P ~ , ! 1 1 t l \ s ;r~v'est!ine!i1tAC-COYlilt, (PIA}, . A , IP O lilt to rernemb ~r l s m a , t 'u n G~J l~rn l l T s k a fu l there ~ s n oP IA . fa,mii I f y ' T a , k a ~ ' U 1 1 ~Ulri l ,ct i i l i ln$;thus:I '. C:on t r i b!,liitio'il l$ I r~cer lve :d~:ir 'E: f~ r$t, c r~d i ted to "the P iA wil l ic h is ! 'U se:d ' tO Ibuy Shari 'ah-ccm pl i iant i i r r ves tment f u n d un lts ~o r 'the p ' : : . , r t i i d l~ :E lJn~ .

NO TE : T he amOUI11t '~ ,aJ iI~b l le in tne~l~IIA,bebWlli irg~'[:0 the pa.Ft' idpafi i i ts ande [J 1 wh~t:~ the I lsl:aJmi,t:n .!~ig , s of I ! ' ! ! he ritance ~ Jt1 dZak ae ~ '~ ; lPpl l ic~,b~e~: 2 " Froml PIA units : E I J [ " i \ 2 ; a , l l l o , t 1 j j e d for the Part ic ipal i1l t '~Sl:T a l l c a r f u l l fu nd ( P 1 i F ) , orth eW~'q ' r -Fund .

~" Th e amount availac:I '!E:n th e P I~ , afte r O i l e e titng various ' exp~ l ' i i ~e~(suer.as partlel piaJJt ' l t t '~sIfnedi '~3J11 chee k-up], li s used b y d~le O I P ~ r a t o r In ' t i l ei l : ,aipad"[)f o f , l t J h e :W a .l~ e e I ! un d!er the ~upei!tvT slon o f the Sh a J ! r ! J 'a h I B o ~ n : J Il ,fo r- ~ n V ;i!~ nm~ilIt p ' U J r p o s e s ; ,s , . Tille 0 p eraeer en a r , g e . s a fixedWakal iaJ, f~~,(whl i eh ls not rel1ai~ed ' [:0

i l lr i!;, l ' \e5CiTile;I1' i i :prciff i i ts and is c: :al l la d 'Waka.laitJlJl=,lst islFli lar) f~ir tne servieasrendered !liil lnvesrment mlan~g.e:i1'n,efi i l ' t th e '~ee,s pirdd ~!rom tne I~'IA.

1 T he Wilq ~ ' F lU nell calmpe,iil~~~$; rO I i f ' "afili)l ' I m ~ ' , s h ~ p to' th E ) H i e , o f 'fi T a k a f u Ipartk i l p a r i H t .I [J 1 a !i ! lJ t ; ihel l~du;, c i ) i i 1 t r ibu t io f i i~ , received ~romthe t p ; ' : l l r t i ' d p a ! i 1 t s a re b i F l ! . . I r c ~ , r e dii " l i t 0 ' '~O s ~pa ,m te, :a ,c c ,'o unu 'frO r two d lfiere n it pu rp oS l ~ s . in to : :

: : c , ) P a r ' I T . i i d i p : a n f s ; 1 1 i l v . e 5 , t m , e m t Aeeeunt (P IA ) f o r I inves,tmlel1l.[ p lJi'POSi;1S:;a nd1 b . ) 1 Panic i p \ il J l' il lt 's T : a J ! K a r f u l ll Fund ( P " T 1 F ) t - ! J n the m Hn of T:a,bl.! l lrFlII ;- fclFi" riskmiit ipJ i j ,el l i l i purpose ;$ , - -


11/13

S;l! IFtPlu~ . !~i : r l l!J l! [i l ,oo. ! ( i f ~ny) l . 'V i . ' i ,r . j f ( ~ ~ l------

'Y"/!il\!,[h. ' r e e ~ ! ! l l f&l 'i i ' ! I ! I i : : ! :~~nl! :

i fn! ' !~.eti1l i: : ' !1!t

At the '~i i ld c~'I~~ry' y e E ll f ~ :t l' l t r ' h a : v i n ,g ' p r l J i d i :aJIIda ' ~ imsand lin i i l :~~ i I lg ; ~ J I ~xp~ iJ l~ ,a ny ' s u D l ~ 1 1u s ra m a l r ili in g i 1 1 the W aq ~ ' F lllllnd may b e, d l f l : s t m ' i i b li lted ! amo ng s t the:P ' a . - rt ii lc i lp a l T t " s , a s Ip e:r the r e :c ' @ im n ' li I e n d f a 1 i 1 i ,~ n o,f'the Shari tan Board" SIil~lus ispaid Of i i Iy 0 0 , those pi@r'~h:ip~n't$ W~O i d~dlnot fUe ~.ny, c lh3 i l1 'm$ i i ' r J 1 'dle; ,calendary~a,r,In ian everil it ():f a D'emid i t~ wlthoue _increa :s ,~ I11 !7the W3JkfIJ laJ ,ee~, the Operate Ii~!!I!I Q.Ie:x. t 'el l lds :I i i Q a r d -e -lH a : s a li l~ (~ ' ~ )' )to I D h e W : a J q r F Fund .~ / r ( f w i " g ~ $ ' t J l 1 e B M s ~ '~ e . s s .Mode' w h J , m i i y rilk~ful:

Pt-fil!u rflfllfi"i~~1:.

P. . ' I t ' l l~ip;:i i i II!.\ lnveurnenrh~.o.Uflt ~P IA)

L l + 'm l ri li H r l l~ _ f1 I f ~ r1[~t i !&! I I ; ; ~ ~ 1 1 1 y ;" ,

' ' ! i V a J , : a i a , M r i! r o r 'o-peflltil '\~' l N 3 q f f 1 ! l M


12/13

Taii


13/13

TAJA!F ' L I T . . . . -A 'N INTRODUCT IoN

C O ' - "M P A ' N " y " I I N T R O '- ' ,D IU C T ' I IO ' N' . ' I , ' , 1 \ ' " " . ' , ' ' = . , ~ , I "lPak- 'Qat :a f ' F , a rn ~IyTakaftt l l l L J T m l i t s d ~ , the p i i " c n e s l l 1 " s ow Farri i l ly 'T aka~ ul inl P a k i is ; ~ r i i , i s, r e ,g ,~rded_ a s ~ pr~lr~_s:siv'e, $h~,di:~~C ~ m , p l iia , t t i t . '~ '~{ I~pal l i (Y 'p r , o v ~ d i n g need - b a sed : ~ l ! 1 d co~t-Ieiff\ec:t~veT~kaf tJ ! l l ls o lu tlo ns in P a J I k i : $ ~ n . +11 f i ! : co rpon~~ d i n ' lO C H ; , : 3 J n d lb e : g a f J 1 ~pe,V'a! t ! lof i l l$ i iIil 2 0 0 1 ' 1 ' tine ,~olnpafil~' isi ! "e l l$~e! iedand :5Ulper~ l~ed b y ' ' i rh~ Se(lLJri ' ib j .~5,~nd I E x d u t ! J l , g e Comn i l i S ' ~ t o no ~ P i lJ k is ta n ~ ,E C f l) j ' . A n i n d l \ e ~ E : f i i d ' e ' n t , Sh~Jrr~h 5 1 . . ! !i 1 ~ i I " " V i s o i l " V ' o o r d cna,hiool~' t i rO rF " l"b y Mwi! Mlu lh t a lmmad T i i I l , q i I L J sm : a J n i i' .~ c e l l 1 : lr li r, e , s ; a ll p roduc ts aJ l ld ope ra t ic n st. Iti'L ,." h I I O.li;;)I'i:arl a 'I !b \ tlm l p ra nee ,'T1h~'co,mpaf ir lYl v i s i Q ' I T l o f p i f10vTd l ing , fjfi1QRci~1 Ipr-otect i 'oo t h r - o l ! l , g , h : 'Ta l~afu llD @ , '! /@ F Y o n e , is ~, lJ lppor ted br S am IS o f '~ J ie 's tm: r i i gE!s t i li ir m 8 J n c i a l ll l ' i i ~ u j ' t l ! J t i ' Oa t si l f _ l ' d l e ' ~ tam o f ' Q a ' m l ~ ' s i u ~ c : ha s 93.~r Is J 8 }~ i c Iln fH J r a J liIC : ~C Q m , p 3 J I 1 Y ' (Qlll l lr;jl,Q ,~ . ta . r I l ln r te ~ r ! 1 a . '~ ~ o n a J~s; l8Jmlk~S a r i ! k (Q IIB ) ~ , 'Q~car ~ $ I " a , m ! J c I B a ! i 1 1 k(O! IB !Q a ~ f " N a t io n ~ 1 B a n l~ (Q 'NB , ) ~ ttn:t , A r m w a J G r , o ! J , i P l M la s , rn f A_I - ,R~n , a n dMil l l ,n i lcn- lb3;~H~dI\N U A G I O Th i2 com b1ned assets umd e r man a~e!mE!nt c~ 'i t lhe ;sponso !~ amounts to US $, 26 , Illb n as i d l : l i : , , 3 ; IIIDecem ,be r~ ,100,, . .Pak-Qatar r ~ 1 i : n l r . 2 ; i f n i r:st Taka~!J1 GIFOU P ' in i ? : a k r S t a J l ! 1 stardng wh:n bothh.imi ly ~fild Gef ! l ernJ ' T a l k a f ! L d oper ,a , ] ]O f l1 iL T he pa~@~ueapha l o 'f I P a l k , , ,Qatar"F ' a m i i ' ly l~ka!fu~ i s R s , , 5 ,3 ] , m U l l c o n ; ' t l l1 e~om bine d IP~jd i ' " ' lLJp~ i t ~ , 1 1 i~~ . I - t t }f i !1l i l l l l ion"T he ( ; _ o ~ m ! p a n y~ s fur t~oer s;t~e~,f[h~11~d ! b y lts R e ~ T a k a : f ! l J 1 1ajl i i l fafi l l ,e:melil 'ESW 1 1 d ~ M U!Ii !Jch l f t J e a nd T~ka ! iu1 , ~ I ~ , e . ,We are wel l i -po~ idone d 't o e n s u rei ' m ~ p l e c , c a ! b i e cl~e:iflts i e I F V i c , e ; foillowi i i l g heavy ' ' ~n :VE : s tme n ts In p r o c u t u ' n g :st l3ite-of-tne?i3If ' t tach F l J o l o g y '~romM'aJi i lysia : a m d the ,s,tffitegic B ' a n c a . T a b F u I~J I I ~ ; ~nc ,eith FW'U ,AG . .lP , a lk = ! Q , a tE l J r ' 'T ; a ka ~ ! J 1a s a w id e ~eogri!lphi (cal l~c;h iln P''al,dSitiiUil a n d IL~,ms; tlif!lolYll ng: !into s rna , II er dti!es , : 1 I l . n d 'r,cwT~s.h f i I ; : ! I l ,~:=b-eaMr ef lakaful, weare CO ! i 1 ~ , ' t ~ f ! l d l y IE n g a g e d . ~fii ' ii : 'O lm m u n i ' [y-deve; lop m ent through Ta k a f u IS Q l h J ' t u o ns ,

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