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Muhamat, Amirul Afif, Basri, Mohd Faizal, Jaafar, Muhammad Nizam, Mohd Azlan, Dhiya Natasya Aqila, Zamri, Nur Atikah. (1400). A Study on the Efficiency of General Takaful Operators in Malaysia: Post Implementation of IFSA 2013. , (), -. doi: 10.22059/ier.2021.83926
Amirul Afif Muhamat; Mohd Faizal Basri; Muhammad Nizam Jaafar; Dhiya Natasya Aqila Mohd Azlan; Nur Atikah Zamri. "A Study on the Efficiency of General Takaful Operators in Malaysia: Post Implementation of IFSA 2013". , , , 1400, -. doi: 10.22059/ier.2021.83926
Muhamat, Amirul Afif, Basri, Mohd Faizal, Jaafar, Muhammad Nizam, Mohd Azlan, Dhiya Natasya Aqila, Zamri, Nur Atikah. (1400). 'A Study on the Efficiency of General Takaful Operators in Malaysia: Post Implementation of IFSA 2013', , (), pp. -. doi: 10.22059/ier.2021.83926
Muhamat, Amirul Afif, Basri, Mohd Faizal, Jaafar, Muhammad Nizam, Mohd Azlan, Dhiya Natasya Aqila, Zamri, Nur Atikah. A Study on the Efficiency of General Takaful Operators in Malaysia: Post Implementation of IFSA 2013. , 1400; (): -. doi: 10.22059/ier.2021.83926

A Study on the Efficiency of General Takaful Operators in Malaysia: Post Implementation of IFSA 2013

Iranian Economic Review
مقالات آماده انتشار، پذیرفته شده، انتشار آنلاین از تاریخ 20 مهر 1400
شناسه دیجیتال (DOI): 10.22059/ier.2021.83926
نویسندگان
Amirul Afif Muhamat1؛ Mohd Faizal Basri* 2؛ Muhammad Nizam Jaafar3؛ Dhiya Natasya Aqila Mohd Azlan1؛ Nur Atikah Zamri1
1Faculty of Business and Management, Universiti Teknologi MARA, Selangor, Malaysia
2Faculty of Management and Economics, Universiti Pendidikan Sultan Idris, Perak, Malaysia
3Arshah Ayub Graduate Business School, Universiti Teknologi MARA, Selangor, Malaysia
چکیده
This study aims to measure the efficiency of the general Takaful operators in Malaysia with the selected inputs, labour cost and management fees. On the other hand, the output used is gross contribution. General Takaful operators are the institutions governed by the Islamic Financial Services Act 2013 (IFSA). IFSA 2013 is the key statute governing the Islamic finance sector, which replaced statutes such as the Islamic Banking Act 1983 and the Takaful Act 1984. Based on the annual data gathered from 2014 to 2018 (post implementation of IFSA 2013), the efficiency is analysed using Data Envelopment Analysis (DEA) on four selected institutions in the general Takaful business. DEA results show that Etiqa General Takaful Berhad, Syarikat Takaful Malaysia Am Berhad are considered as the most efficient. The rest of general takaful operators in the sample were deemed technical inefficient. The results also indicate that inefficient institutions including those with the lowest performance which are Takaful Ikhlas General Berhad and Zurich General Takaful Malaysia Berhad have inefficient management in resource utilisation. In conclusion, the findings have confirmed the market share theory and infer to the expense-preference behaviour on the part of the general Takaful operator. Perhaps, the general Takaful operators are posed with an expedient manner trying to satisfy their own benefits. In order to achieve full efficiency, any Takaful operators have to increase its market share segments by increasing its gross income and contribution through developing demand for general Takaful products and mostly on takaful product itself.
 
کلیدواژه‌ها
Keywords: Technical Efficiency؛ General Takaful؛ Data Envelopment Analysis؛ Total Factor Productivity؛ Malmquist. JEL Classification: G2؛ N2؛ P4
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تعداد مشاهده مقاله: 864


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