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68

that can be used for pushing and building

Re-Takaful

capacity. What is needed is for the

Takaful

players who are willing to lead the way.

Finally, the

Takaful

industry needs to have the right competent and qualified leaders and staff,

because strong leadership and high-skilled staff are very much required to move the industry

forward to reach greater heights. The industry needs to seriously plan to build skills and

competencies through continuous learning and development programmes to alleviate the

Takaful

workforce. It will create an environment that fosters innovation and growth. The

challenge for TOs is not only limited to meeting the extrinsic demand but also in developing the

right competence and expertise of their staff members in order to provide a competitive

alternative to conventional insurance.