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6.4.2. Legal and Regulatory Framework ........................................................................................... 113 6.3.3. Case Studies....................................................................................................................................... 119 6.3.4. Lessons Learned, Recommendations and Transferring Knowledge ............................ 121 6.5 Analysis of Survey Results ................................................................................................... 123 6.5.1. Analysis of Questionnaires........................................................................................................... 123 6.5.2. Analysis of the Interview Results............................................................................................... 137 CHAPTER 7: POLICY RECOMMENDATIONS..................................................................................... 146 8.1. Legal and Regulatory Framework.................................................................................... 146 8.2. Shari'ah Framework ............................................................................................................. 147 8.3. Products and Services .......................................................................................................... 148 8.4. Talent Development.............................................................................................................. 149 8.5. Takaful Business Sustainability........................................................................................ 150 CHAPTER 8: CONCLUSION..................................................................................................................... 154 REFERENCES.............................................................................................................................................. 156 APPENDIX................................................................................................................................................... 164 INDEX ........................................................................................................................................................... 169