“Takaful: The Legal Architecture of Islamic Insurance” by Jo Chitlik
Sunset over Pangkor Island, Malaysia (CC0 1.0). Insurance forms the foundation of modern economies, transforming uncertainty into manageable obligations, allocating risk, and stabilizing market. Yet conventional insurance, built on secular commercial frameworks, often clashes with Islamic legal and ethical norms. In many, Muslim-majority societies, however, conventional insurance has religious concerns. Classical jurisprudence prohibits riba (interest),…











