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The objective of this study is to explore on the potential push-pull factors to introduce Takaful in India. Nowadays, insurance becomes the backbone of our daily life since it will help us in the case of misfortune. The concept of insurance is acceptable since it is based on the noble idea. However, its practices become questionable from the religious aspect due to the involvement of interest, uncertainty and gambling. As an alternative, Takaful has been introduced and it has been widely spread in both Muslim and non-Muslim countries. In India, Takaful has not been offered yet. Due to its potential in India, this study explores the possibilities of introducing it. The findings show that the pushing factor, i.e., innovative nature of the potential customers and the pulling factors such as cost vs. benefit, assess-ability, availability and service quality, product features, reputation of the company, attribute of agent, marketing and promotion and social and religious factors are in favor to introduce Takaful in India.

Potential Push-pull Factors to Introduce Takaful (Islamic Insurance) as a New Product in India: Preliminary Overview