[STUDENTS IN ENTERPRISE PROGRAMME (SIEP) 2] 2]
INTRODUCTION
COMPA COMPANY AND ORGANIZATION O RGANIZATION BACKGROUND BACKG ROUND BUSINESS NAME
: AL-HIKMAH MANAGEMENT
BUSINE SINESS SS ADDRE DDRESS SS
: LOT LOT 2014 2014-1 -1,, TING INGKAT KAT 1, BANGUNAN DATO HAJI SUHAIMI, JALAN SENTUL PASAR PASAR
OWNERSHIP
: HAJI MEHAMAD MANJA BIN ANSHARY
REGIS EGISTR TRA ATION ION DATE
: 07/0 7/09/2 9/200 00
OPERATION DATE
: 07/09/200
!ORM O! BUSINESS
: SOLE PROPRIET IETORSHIPS
TYPE O! O! BUS BUSIN INE ESS
: TA TAKA!U KA!UL L OP OPERA ERATORS "TA "TAKA! KA!UL IKHL IKHLAS AS## LI!E AND GENERAL
TELEP LEPHONE ONE NU NUMBE MBER
: 0$0$-4 4041 041 04 040 0
EMAIL
: %&'()*+%(+%%.+.%(3+
AL-HIKMAH MANAGEMENT M5 H%6) M.(%+% M%6% B) A8(%5 A8(%5 %8 (. .5 ()8 +;%3 +;%3 T(. %+. AL-HIKMAH +.8 5+ ()8 .<;.5).. (% %8 ;5.=)>8& =.5 ))>& ) % 6? % . (. )8+ =.>5. ) ()8 %*%>& % ?.+. )=&=. ?.+. % %. T%*%>& IKHLAS3 A.5 8+. )+. ?.+.8 % %., (. ;.. ()8 %*%>& +;% ) 2003 N, (. (%8 . .+;&.. % 1 %.8 >.5 ()+3
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TAKA!UL TAKA!UL IKHLAS IKH LAS T%*%>& T%*%>& I*(&%8 S3 B(3 "T%*%>& IKHLAS# %8 )5;5%. 1 S.;.+?.5 2002 % )8 % (&&-. 8>?8))%5 MNRB MNRB H&)8 B.5(%3 T%*%>& IKHLAS (%8, )() )() (. . .%58 )8 ;.5%)8, .8%?&)8(. % 85 ;5.8.. ) (. ;5=)8) I8&%+) )%)%& ;5.) 8.5=).8 ?%8. (. T%*%>& S8.+3 T(. +;% (%8 12 ?5%(.83 Vision
Takaful Takaful IKHLAS is the pefee! Takaful Takaful p"#i!e $ui!e! %& Isla'i( pi)(iples Mission
*e p"#i!e #alue+a!!e! Isla'i( fi)a)(ial s"luti")s ,ith i)te$it& Core Values (IQRA) 1. IKHLAS Values (Fatanah, Amanah, Siddi, !a"li#h) Hi$hest ethi(al a)! '"al sta)!a!s sta)!a!s e-uie e-uie us t" %e si)(ee a)! h")est i) "u !eali)$. It 'ea)s %ei)$ ta)spae)t a)! taki)$ esp")si%ilit&. It 'ea)s keepi)$ t" "u ,"! a)! 'eeti)$ t" "u "%li$ati")s. $. Qualit% (&eo'le, S%stem, Strate#%, Sales) T"tal T"tal -ualit& (")t"l i) "u p"!u(ts a)! se#i(es as ,ell as t"tal -ualit& 'a)a$e'e)t e)sues that ,e !eli#e ")l& the %est p"!u(ts a)! se#i(es t" "u (ust"'es. . Results ri*en (Soul and S'irit) *e seek t" e/(ee! (ust"'e e/pe(tati")0 )"t 'eel& 'eeti)$ sta)!a!s sta)!a!s " ta$ets. +. Attitude (Ri#ht Mind Set) *e 'ai)tai) the i$ht 'i)!set t" a(hie#e a(hie# e su((ess i) !eli#ei)$ #alue a!!e! Isla'i( fi)a)(ial s"luti")s t" "u (ust"'es.
T(5>( (. 8;)5) ;.5%) % 6)-5.8;8)?)&)).8 %+ ;%5));%, (. % (%5) % ?..=&.. %&&8 ;%5));%8 (. ;;5>) ?%) 5+8 ?..)3 !)58 (. +.%5 ?..)8 (5>( (. T%*%>& ;&% )8.&3 S.& (. C?..)8 ) (. 8;)5)>%& 8;)5)>%& 8.8., (5>( (. % T%?%55> %?%55> "%) "%)#, #, ;%5));%8 ;%5));%8 )&& 5..)=. G8 5%. % ?&.88)8 ) &). H.5.%.53 T(. T%*%>& 88.+ .8 ).5.)%. &5 5 5..F ) )8 +.% ?..) %&& ;%5));%8, )55.8;.)=. (.)5 5.&))>8 ?.&).83
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ORGANIZATION CHART
GROUP AGENY MANAGER "GAM# HAJI MEHAMAD MANJA ANSHARY
AGENY MANAGER "AM# ROSHAYATI HASSAN
AGENT SERETARY NOR AIN BIN AMMAR
AGENTS
13SAE MUDDIN BIN AMIR 23NORAKHMAH MOHD JOHAR $3AHANORDIN AMAT LORI 43AWANG JAMIL SULAIMAN 3SHARANI ABDULLAH 3YAHYA HASHIM 73ALINDA RALAN 3MOHAMAD BESAR 93MUHAMMAD DANIAL ABD HARIR 103HADIJAH RAMSJAH 113BORHAN IBRAHIM 123AWANG ROHAN AWG MARSIDI
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PRODUCTS O112R2D AND TARG2T MARK2T P5>8 .5. ? T%*%>& IKHLAS )=). ? +% ;.8 8>( %8 8%=)8, )=.8+.&)*., +.)%&, .>%), BPP 8(.+., +5, -+5, % 5;5%.3 T(. +8 ;)*. ;5> ;)* ? &).8 ) A&-H)*+%( M%%.+. )8 8%=)8, )=.8+.-&)*., +.)%&, .>%) % +53 T(.5. %5. (. .<;&%%)8 (. +8 ;)*. ;5>: 3. Sa#i)$s a) IKHLAS Savings Prim Ta!a"#$ T()8 )8 % ).%& ;&% ()( +;5)8.8 (. .&.+. 8%=)8 % ))=)>%& T%*%>& ;5.)3 T()8 ;&% ;5=).8 T%*%>& =.5%. %%)8 .%( 5 %& % ;.5+%. )8%?&.+. (. T%*%>& P%5));% ;5)5 (. +%>5) (. T%*%>& .5))%.3 %) IKHLAS &ani'a E$gan Ta!a"#$ T()8 ;&% )8 8;.)%&& .8). ;5=). ;5.) %%)8 .%(, %& %
;.5+%. )8%?&.+., .+%&. 8;.)) %.5, % (.5 .+%&. )&&.88.8 (. T%*%>& P%5));% ;5)5 (. +%>5) (. T%*%>& .5))%.3 4. I)#est'e)t+li)ke! T(. ;&%8 %+. )( IKHLAS&)* ) (. . ;&% .5 ? T%*%>& IKHLAS3 a) IKHLAS$in! S#r Ta!a"#$ T()8 )8 % +;5.(.8)=. 5.>&%5 T%*%>& 5)?>) I=.8+.-L)*. T%*%>& ;&% (% +?).8 (. ?.8 ?( (. ;5.) % )=.8+. 5&83 T()8 ;&% .58 % (&)8) ;%*%. ;)%& 5).58 =.5) +%65 (.%&( %5.%8 8>( %8 5))%& )&&.88.8, ;.58%& %).8, (8;)%&)8%) % 8>5)%& ?..), 6>8 %+. % .3 %) IKHLAS Cai'a$ Invs'mn'*Lin!+ Ta!a"#$ P$#s T()8 ;&% )8 % 8)&. 5)?>) I=.8+.-L)*. ;&% (% ;5=).8 > (. ;;5>) +%<)+)8. >5 )=.8+. 5.>58 ()&8 .6) %*%>& ;5.) % (. 8%+. )+.3 ) IKHLAS Prmir Invs'mn'*Lin!+ Ta!a"#$ P$#s I8 (. ).%& ;&% +.. ?( >5 .%&( ;5.) % .%&( %>+>&%) ..8 % (. 8%+. )+.3
5. Me!i(al a) IKHLAS$in! M+i$an S#r Ta!a"#$ Ri+r W)( ()8 ;&%, > %5. % +5 *) (% >5 (8;)%&)%) % +.)%& 88 )&& ?. =.5. ) (. .=. +)8(%;8 % %+)88) (. (8;)%&3 T(. ;&% (.&;8 .%8. >5 )%)%& ?>5.3
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[STUDENTS IN ENTERPRISE PROGRAMME (SIEP) 2] %) IKHLAS$in! C,mr-nsiv Cri'ia$ I$$nss .n"i' S#r Ta!a"#$ Ri+r W)( ()8 ;&%, > %5. +;5.(.8)=.& =.5. (5>( (. +8 ))>& 8%.8
>5 &).3 T(. ;&% (.&;8 .%8. >5 )%)%& ?>5. 8;.))%&& =.5) (. +.)%& 8 5 &).-(5.%.) 5))%& )&&.88.83 ) IKHLAS$in! Cri'ia$ I$$nss S#r Ta!a"#$ Ri+r T()8 ;&% ;5=).8 ;5.) % ;.%. +) 5 > % >5 %+)& ) (.
.=.>%&) (% > %5. )%8. )( % 5))%& )&&.883 6. 2!u(ati") IKHLAS E+#a'i,n Ta!a"#$ P$#s T()8 ;&% )8 8;.)%&& .8). 5 ()&5. ?... %.8 % .5 ()5 "$0# %8 .&=. "12# .%58 &, ()( ;5=).8 =.5%. ) (. .=. .%( 5 T%& P.5+%. D)8%?)&) "TPD# (. T%*%>& P%5));% ?.5. (. +%>5) (. T%*%>& .5))%.3 7. Ri!es R).58 %5. %))%& ;&% ) (. +%) ;&% )( )=. % +5. ?..) &).83 T(.5. %5. +% ;.8 5).5 ?> (. . 5).5 )8 (. IKHLAS&)* 5).58 5 .<%+;&.: %# IKHLAS&)* 5))%& I&&.88 S.>5. T%*%>& ?# IKHLAS&)* A).%& D.%( % D)8%?)&) S.>5. T%*%>& R).5 # IKHLAS&)* H8;)%& I+. S.>5. T%*%>& R).5 # IKHLAS&)* M.);&% S.>5. T%*%>& R).5 8. M"t" IKHLAS C,mr-nsiv Priva' Car Ta!a"#$ T()8 ;&% ;5=).8 =.5%. %%)8 &)%?)&)).8 (.5 ;%5).8 5 )6>5 5 .%(, %+%. (.5 ;%5).8 ;5;.5, % %).%& 5 )5. %+%. >5 =.()&. 5 (. >5 =.()&.3
MARK2TING STRAT2GY AND OP2RATION O1 TH2 COMPANY I (. +%5*.) 85%. I >8. (. 4P ";5)., ;5>, ;5+), % ;&%.# (.5 ()( )8 +%5*.) +)< )8 % ?>8).88 & >8. ) +%5*.) % ? +%5*..583 (/)
PRICE
O)e "f the 'aketi)$ state$ies is i)t"!u(e )e, pla) ,hi(h is IKHLASli)k Se(ue Takaful t" pe"ple ,ith aff"!a%le pi(e. I) the )e, pla) (lie)t ")l& pa& f" RM379 pe '")th: RM30 ;99 pe &ea ,ith '"e %e)efit a)! a!#a)ta$e. The pi(e RM379 is the sta)!a! pla) "ffe
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%& 'a)& "the i)sua)(e ("'pa)& %esi!es Takaful IKHLAS0 als" the pi(e is suita%le f" a)& a$e " status "f the pes"). Besi!es that0 i) Takaful IKHLAS ,e als" $i#e the %est pla) t" (lie)t %ase! ") thei a%ilit& t" pa& %& 'aki)$ a -u"tati") f" the (lie)t. 1" e/a'ple0 f" fe'ale 43 &eas "l! ,e 'ake -u"tati") that she (a) pa& RM<9 pe '")th f" IKHLAS SA=INGS TAKA1UL pla) ,ith a!!iti")al i!es su(h as IKHLAS Pa&" Sa#i)$s Se(ue Takaful Ri!e0 IKHLAS H"spital Be)efit Se(ue Takaful Ri!e " IKHLAS Citi(al Ill)ess Se(ue Takaful Ri!e. (2)
PRODUCT
Thee ae 4 t&pes "f Takaful ,hi(h is 1a'il& Takaful > Ge)eal Takaful. The '"st pi(ke! pla) %& the (lie)t is IKHLAS SA=INGS TAKA1UL ,hi(h pla) that i)(lu!es i)#est'e)t p"fits is e!isti%ute! t" the pati(ipa)ts a)! "pti'i?es the etu)s ") i)#est'e)t f" pati(ipa)ts. A'")$ the %e)efits "ffee! ae "f !eath:T"tal a)! Pe'a)e)t Disa%ilit& @TPD0 s"'e (ash e/pe)!itues0 a!!iti")al "pti")s a)! %e)efits 'atue i!e Als"0 the )e, pla) i)t"!u(e is IKHLASli)k Se(ue Takaful that ("'e ,ith Me!ipla) ,hi(h is Me!i(al Ca! ,ith )" a))ual li'it. It als" ("'es ,ith 7 %e)efits ,hi(h ae i. ii. iii. i#. #. (0)
H"spitalisati") a)! Su$i(al Cae Be)efits @RM;790999+O#eall lifeti'e li'it Death:T"tal a)! Pe'a)e)t Disa%ilit& @TPD @RM790999 P"te(ti") f" 69 t&pes "f Citi(al Ill)ess @RM790999 *ai#e "f (")ti%uti")s f" a!!iti")al i!es i)(lu!i)$ Me!ipla) P"te(ti") f" pes") ("#ee! up t" a$e 399
PROMOTION
The Best Takaful P"#i!e 4937 %& Takaful IKHLAS is IKHLASli)k Se(ue Takaful ,hi(h a p"te(ti") pla)s that (a) %e (ust"'ise! t" suit &"u lifest&le as ,ell as &"u ,allet. It ("ul! %e the s"luti") &"u ae l""ki)$ f"E a) aff"!a%le pla) that ("#es all "f &"u life a)! health p"te(ti") )ee!s that is fle/i%le e)"u$h t" (ha)$e ,ith &"u )ee!s. IKHLASli)k Se(ue Takaful is a ("'pehe)si#e e$ula Takaful C")ti%uti") I)#est'e)t+Li)ke! Takaful pla) that ("'%i)es the %est "f %"th the p"te(ti") a)! i)#est'e)t ,"l!s. I) a!!iti")0 &"u ")l& )ee! t" pati(ipate i) ")e Takaful C")ti%uti") a'"u)t t" e)F"& the e)tie pa(ka$e. Als"0 Al+Hik'ah Ma)a$e'e)t !isti%ute thei ",) %"(hue t" p"'"te this p"!u(t @APP2NDIC2S 4. Als"0 Takaful IKHLAS "$a)i?e 'a)& p"$a''es i) "!e t" i)t"!u(e Takaful IKHLAS f" pe"ple su(h as p"$a''e Takaful 2)tepe)euship P"$a''e @T2P a)! P%. @
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Takaful IKHLAS Opp"tu)it& P"$a''e @TOP.
O)e "f the p"'"ti") that Al+Hik'ah
Ma)a$e'e)t t" i)#ite pe"ple t" F"i) the p"$a''e is t" (alli)$ f" a pes") " i)#ite "u fie)!s a)! ask hi':he ,hethe fee " )"t at that ti'e a)! su$$est hi':he t" F"i) "u p"$a''e. (1)
PLACE
The ta$et (lie)ts f" Al+Hik'ah Ma)a$e'e)t ,hethe i)si!e " "utsi!e the (it& is the sa'e %e(ause )",a!a&s Takaful is #e& i'p"ta)t i) the pes") life ,hat 'akes it !iffee)(e is h", 'u(h thei ,illi)$ t" pa&. M"e tha) that0 Takaful IKHLAS i)#"l#e i) 'a)& e#e)ts i) "pe)i)$ a) "pe) %""th f" e/a'ple e(e)tl& the ("'pa)& i)#"l#e i) "pe)i)$ a %""th i) The Cu#e0 Matta 1ai at P*TC0 KLCC a)! at HALAL 1esti#al. This %e(ause the pla(e i) ")e "f the atta(ti") pla(e "f pe"ple i) "!e t" i)t"!u(e "u p"!u(t espe(iall& the )e, pla). !>5(.5+5., . (. +%5*.) 85%.).8 (. M5 M.(%+% M%6% %>( >8 )8 ?.+. ?.8 %. )8 %&&) 20 ;.;&. % % % 5 +%*. %;;)+. %5> 1 +)>.8 )( 2 ;.;&. % % 8(%5. %?> T%*%>& IKHLAS % > % ?.+. % 8>.88>& %.3 A&8, (. (%8 8. % %5. 5 ()+8.& % .%( %. %().=. 5 (. )58 .%5 5)?>) "!Y# % (% (.)5 .. %().=. (. !Y @APP2NDIC2S 5 I 5.5 * (. %. ;55.88, (. (%8 ?.. 8. % +..) .=.5 2 ..*8 * (.)5 %)=), .8 >;%. % 8(%5) (.)5 .<;.5).. 5 ;5?&.+3
S&OT ANALSIS SWOT A%&8)8 )8 % & (% ).)).8 (. ).5%& "85.(8 % .%*.88.8# % .<.5%& ";;5>)).8 % (5.%8# % 5%)%)3
3 STR2NGTHS i.
-istin# distri"ution and sales netor/s T()8 )8 +8 ?..) T%*%>& IKHLAS ?.%>8. ;.;&. %&5.% * (. %+. %
% ;> 5>8 ) ()8 +;%3 N (. +;% % >8 >;5%. (.)5 ;5> 8 % ?. +5. ?..) ;.;&. %) +5. 5>8 ii.
Follo Sharia 0om'laints T(. ?>8).88 ;.5%)8 % +%%.+. %5. ) %5%. )( S(%5)%( ;5));&.83
T(. 85.88 .8>5) .>) % %)5.88 ) %&& (.)5 .%&)8 %8 . ?.&).=. )3 I P%. @ 7
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&). )( ).5%)%& % &%& .=.&;+.8 ) (. ;5%). I8&%+) )%)%& ;5.) 8.5=).8, T%*%>& IKHLAS (%8 %;. (. W%*%&%( 5% %8 >5 88.+ % (%=. +.&&. >5 ;.5%)8 %5)&3 iii.
&lan at an a22orda"le 'ri0e and orth it !5 .<%+;&., (. . ;&%, IKHLAS&)* S.>5. T%*%>& (% 8)88 RM10 ;.5
+( 5 RM ;.5 % )( M.);&% % +5. %))%& 5).583 T(. . ;&% )8 (. 8%%5 ;5). 5 %%83
4 *2AKN2SS i.
Future 'ro2ita"ilit% is lo I T%*%>& IKHLAS .%( %. )&& 5..)=. % %*%&%( .. 5 ++)88) ?%8)8 &
.%58 )( ;5) 1103 T(. %. .8 5..)=. ++)88)8 5 (. .)5. &). ?> 8(>& 8)&& 5 ) >8+.58 %++%. (.)5 &)=.83 S (.5. 8(>& 5.& (. %*%&%( .. ) (. ;.58 % (%55*) % ;.58)8.. ) ()8 %5.%3 B.%>8. T%*%>& IKHLAS >8. W%*%&%( ()( )8 % 5% %. (.5. (. P%5));% %;;)8 T%*%>& IKHLAS > (. %%)58 T%*%>& ?>8).88 ) .<%+;&. ;5=)) ;5.) 5 )=.8+. ()8/(.5 ?.(%&3 T()8 .; %&&8 T%*%>& IKHLAS 5..)=. % .. 5+ (. P%5));%8 * %8 % W%*%&%( !..3
5 OPPORTUNITI2S i.
3roin# e0onom% N%%8, %*%>& )8 =.5 )+;5% ) >5 %)& &)=.83 T()8 )8 (. 8.>; 5 >58.&
% >5 %+)& 5 % .=.>%&)3 T%*%>& =.5 (% ;5=).8 ;5.) % 8%=)8 ?..)8 %&&3 S +% ;.;&. )&& . % )8>5%. 5 T%*%>& =.5. 5 (.+, 8 ()8 )8 % ;;5>) T%*%>& IKHLAS )5>. (.)5 ;5> 8 +% ;.;&. )&& )=.8 ) (.+ ii.
&eo'le 'ut trust in Islami0 s%stem N%%8, %&& ;.8 ;.;&. 8%5 5>8 ) I8&%+) 88.+ ?.%>8. ) I8&%+ .
5?). %?>8. % ..;)=. ?... .%( (.53
A&8, (.5. %*. % &%5.
;5) &)*. =.)%& 88.+ ?.%>8. . ;> ;5) % )58 ;5)5)3
6 THR2AT i.
Com'etiti*e mar/et I ()8 %5.%, (.5. %5. 8 +% )8>5%. % T%*%>& )8>5%. ) M%&%8)%3 !5
.<%+;&., (. ?.8 +;.)5 +;% )8 G5.% E%8.5 L). A88>5%. "M%&%8)%# B.5(%, E)% I8>5%. B.5(%, T%*%>& M%&%8)% % +>( +5.3 A&8, +8 ()8
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+;% %&8 .5) T%*%>& I8>5%. % ) +%*. T%*%>& IKHLAS )&& . +5. +;.)58 ) ;5+) (.)5 ;5>3
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TRAINING OUTCOME
SCOP2 O1 DISCLOSUR2 DURING TRAINING AND SKILLS R2UIR2D IN MANAGING TH2 COMPANY A+ . .<;8>5. I . >5) 5%)) )8 % te0hniue 5 )) &).83 W()( M5 M.(%+% M%6% .%( (. %. ( ) % &).8 )( %&&) 5 % 20 ;.58 % % % 5 +%*. % %;;)+. 5 2 ;.;&. 5 % %3 A &.%8 .=.5 +( .=.5 %. +>8 (%=. % %8.8 )&>) M5 M.(%+% M%6%3 T(. 8. .<;8>5. I . )8 (. 0ommuni0ation s/ill ?... G5>; A. M%%.5 "GAM# % (. .)5. %. +>8 ?. ) 5.5 * (. ;55.88 %&& %.83 M5.=.5, M5 M.(%+% M%6% (%8 % %. ) J(5 % S%?%( (. ++>)%) )8 8)&& (.5.3 T(. %.8 %&%8 %&& * % . )5+%)3 O(.5 (% (%, +;% teamor/ s/ill )8 . (. .<;8>5.8 (% I 8.. ) A&H)*+%( M%%.+. ()( (.)5 (.&;) ) .%( (.5 ) % >8+.53 !5 .<%+;&., M5 M.(%+% M%6% ) % &). (% 5*8 %8 % .%(.5 (% ).5.8. ) %*) T%*%>& IKHLAS % (. %8* . (. %.8 5 %;;5%( % .<;&%) (. .%(.5 %?> (. ;&% (% 8>)%?&. 5 (.5 >)& (. %*. (. %8.3 W)( ()8, I % 8.. (% M5 M.(%+% M%6% % %>%&& +%*. (. .%(.5 %8 (. &).8 ?> (. )=. ) ()8 %.8 )(> % ;5)3 I %)), (. 'romotion ) T%*%>& IKHLAS )8 %&8 . (% I (%=. ?.. %?&. .<;8.3 T(.5. )8 %&8 ;5+) )8). (. T%*%>& IKHLAS ()( (. )=. %%58 % 5.)) (. (. %.8 5.%( (. %5. 5 (. !)58 Y.%5 A>%& 5)?>) "!YA#3 !5 .<%+;&., 5+ 1 A;5)& 201 >)& 20 M% 201 ()( (. )&& . )*. >8%) (.(.5 % K5.%, M5, T>5*. 5 % U+5%( @APP2NDIC2S 6.
B.8).8, (.5. %&8
;5+) . ;5> %+.& )8 IKHLAS&)* S.>5. T%*%>& ()( ;&%8 (% +?).8 (. ?.8 ?( (. ;5.) % )=.8+. 5&8 @APP2NDIC2S 3. T(. &%8 .<;8>5. I %8 mana#ement o2 the or#ani4ation 3 !5+ (% I 8.., (. +%%.+. ) ()8 +;% )8 =.5 85>>5. ()( (. +.. . .=.5 ..*8 8(%5. .<;.5)..8 % ;55.88 ?... (. %.83 I > ) =.5 85%. ?.%>8. . % 8.. (. (.5. )8 % ;.58 ) % ;55.883
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ACTI=ITI2S DURING TH2 TRAINING !5 (. )58 >5 %8, I &.%5. %?> (. ;5> !%+)& T%*%>& % G..5%& T%*%>&3 I !%+)& T%*%>&, I (%=. ?.. )=. % ;5.8.%) )( (.5 %. %?> ;5> T%*%>& IKHLAS % I (%=. % &)&. *&.. %?> %*%>& ;5> % (% +%*. ) ).5. )( )8>5%.3 !5 G..5%& T%*%>&, I &.%5 >;%. (. 5.5 5 5% %< 5 %5 % +5&.3 A&8, I &.%5 )&) 88.+ 8>( %8 ;(;), ;8%. ).+8, ;>(. ;%;.5, ;) % (.*) %%3 O (. )( %, . (%=. +..) )( M5 M.(%+% M%6%3B.8).8 )( %&& (. %.83
I (. +..), I &.%5. %?> (. . ;5> ()( )8 IKHLAS&)* S.>5.
T%*%>&3 S)&&, M5 M.(%+% M%6% 8( % 8&). 8( %?> JUMP START ()( (.5. 8(>& )+;5=. (.)5 ;.55+%. )( *8 (. *. 8>.883 O(.5 (% (%, (. 8.=.( %, I &.%5. %?> %5..58 ) (. T%*%>& IKHLAS ()( 8%5 )( %., (. A88)8% U) M%%.5, +=. A. M%%.5 % &%8& ?.+. G5>; A. M%%.53 T(. .< %, I (%=. ?.. 8(%5. *&.. (. %8 ?.+. (. ?.8 %. (+ . +>8 %&& 20 ;.588 ;.5 % % +%*) % %;;)+. )( 2 ;.588 ;.5 %3 B.8).8, M5 M.(%+% M%6% %&8 8(%5.8 ()8 .<;.5).. ?.) % %. 5 (. 10 .%58 ) ()8 %.3 O % )(, I %&8 &.%5 ( *. ) (. )5+%) (. &).8, +%*) % >%) 5 % ;.58 % . +>8 )=. (. ?.8 ;&% >8+.5 ?> %&8 %5%?&. ? (. >8+.53 A&8, I +%*. % (.*) 5 ;%+. %&& (. &).8 % +% +5.3 T(. &%8 %, I (%=. ?.. %8*) %&& ;.;&. )=). (.+ 6) (. .%5.8 ;55%+ ? T%*%>& IKHLAS3 I &.%5 ( ).5% )( ;.;&., ( 8;.%*, ( %8*), % ( ;.58>%. (.+ 6) (. ;55%+3 W)( (%, I &.%5 %?> (>+% ?.(%=)>5 5+ ).5. ;.583
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CONTRIBUTION TO TH2 COMPANY
O11IC2 MANAG2M2NT
I (%=. ?.. % & (.&;) ? +%%) (. ).3 I (.&; &.% >; (. ). ? 8..;), )) % 5%)) (. )&.8 (. +;%3 T()8 +%*.8 ) .%8 5 ()8 8% ) (. )&. 8(. %8 8.%5(3 A&8, I ?.. %8* >;%. (. )&., 5.5). ) % %55%. ) ? (. &%.8 %.3 W(. (.5. %5. >8+.58 5.. (. 5% %<, I % (%&. ) ?.%>8. I (%=. ?.. %>(3 M5.=.5, I %&8 (%=. ?.. .%() ?. (. +)&. ;.58 % (. &). ) % ;5?&.+3 I %&8 ) )&) 6? (. +;% 8>( %8 ;(;), ;8%. ).+8, ;>(. ;%;.5, ;) % (.*) %%3
PROMOTING TH2 PRODUCT
I %8 %88). %&& (. >8+.5 ;5+. . ;5>8 T%*%>& IKHLAS3 I &.%5 %?> (. . ;5> ?.5. ;5+) ) (. >8+.583 B.8)., )( + (.&;) I (%=. ?.. 5.>. (. 5*8 ()8 8%3 W(. %&&) % ;.58 >8. % & ..5 % )+., .8;.)%&& ?.%>8. . % (.5 5* (. %&&)3 S )( ;5.8.. +. (. 8% % (.5 ()83
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CONCLUSION
DISCUSSION M5 M.(%+% M%6% ;.) ()8 +;% A&-H)*+%( M%%.+. ) 200, (. +%. ) )( ()8 >&& (.)( ..5+)%)3 !5 ()+, ) (. ;%8 %8 5.%&& ))>& . 5* % (. 8)&=.5 &)) 6) + T%*%>& IKHLAS % )>. ?>)& ()8 +;% )( ()8 8%=)83 H)8 )58 8%5 5+ 85%( % 8(. (%8 % & &).8 % %.8 >.5.%(3 A&8, (. (%8 ()8 ). )( % 8.5.%5, I %)), (. (%8 (.5 ?>8).88.8 (% TAH!I N>5 H)*+%(, (.5. % ()&8 (% 5.>. %?)&) 8> (.& )&& ?. 8. % A&-H)*+%( M%5*.), (.5. (. 8.&&8 &>?5)%8 5 %58 % +5&.83 H. 8 (%8 ?.. (.&;) ()8 )( (. ?>8).883 H. (%8 % ()( 5.8&>) )( (% (. %.3 !5 .<%+;&., (. %8 % %5 % (. +%. (. %5. >8+.5 8(>& ?. &*) 5 I 8 ), (. )&& 5 (%5 . (% > %3 !5 ()+, ) (. %8 (. &><>5 (. )&& ?. 5) ., % (. )&& . )3 T(% ;5+)8. ? T%*%>& IKHLAS3 B>, (. %8 % =.5 & +). (% (. 3 !5 .<%+;&., ) (. %8. %+)& +%%.+., (. (%8 % %>(.5 ( )8 8>) ) (. ).& ;(%5+% ).. ? (. %(.583 !5 (% I 8%, (. 8% 5.% ;;5>)).8 ) (. ).& ;(%5+% 5*3 H.5., (. )8 =.5 %5.>& 8. ()8 ()&5.8 >>5.3 M5 M.(%+% M%6%, (%8 +%. % +>&. 5 % . %., ()( (. %8 %5% +5. . %. ) ()8 +;%3 A =%5). %8 (.8 ) ) (. +>&. 8>( %8, >.8)%)5., 8&). 8(, %)& &, 5.%58, ?..) % +% ()8 ) 5.5 %5% (. ).5.8 ;.;&. ?. %.8 T%*%>& IKHLAS3 L%8&, (. . ;5> ? T%*%>& IKHLAS )8 IKHLAS&)* S.>5. T%*%>& ()( )=.8 +% ?..)8 (. &).83
I, T%*%>& IKHLAS >; %. +5. ;5>8 &)*.
IKHLAS&)* S.>5. T%*%>& T%*%>& IKHLAS )&& .)).& ?. 8>.88>&3
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R2COMM2NDATION /) Inras '- n#m%r ," agn's
W(. (. >+?.5 %.8 )5.%8. (. %+. +;% %&8 )&& ?. )5.%8. 8%+. )( (. ;5)3 I (. %.8 ) (. +;% %5. %)=. (. )&& ?. .%8).5 . %%58 % 5.)) ) (. %+. +;% ))=)>%&3 B.8).8, (. . (%=. +% %.8 ) (. +;% (.)5 5%. .) % &). )&& ?. ).3 A&8, ?%8. + ;)) (. (. %.8 %5. .) &%5.5 (. G..5%& A. M%%.5 "GAM# % &)&. 5.83 N &)*. (% I 8.. (.5. (. +%%.5 %5. +5. (%55*) (% (. %.83 !5 .<%+;&., T(. GAM % . +5. (% %8.8 ;.5 +( ?> (. %.8 % .=. . 1 %8. ;.5 +(3 2) G''ing a &i"i
B%8. (% I 8.., (. GAM 8(>& ;> W)) ) (. )., ()8 )8 ?.%>8. I %&%8 8.. (. 8.5.%5 >8) (.5 ).5. %% % 5* 8>( % ;.) T%*%>& IKHLAS 88.+8, I-POS 5 >;%) % 5 %<3 !5+ + ;)), (. +%%.5 8(>& 8).5 %?> (. 5*.58 5.8;8)?)&)3 0) Ma!ing an a+s a' s,ia$ m+ia
T(. +;% 8(>& 5 %=.5)8) .=.5 ;5+) 5 %)=) %&%8 %8 % 8)%& +.)% &)*. !%.?*, )8%5%+, ).5, (%%;; 5 .(% ) 5.5 %5% +5. ;.;&.3 T()8 ?.%>8. ) (. +8 ..)=. %8 %5% ;.;&. ?..5 (% %&&) 5+ (. ;(.3 M5.=.5, ;.;&. .=.5() % (. );8 (. ).5 ()( (.)5 % %&%8 >; %. (.)5 8)%& +.)% .=.5 %, .=.5 )+.3
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RE3ERENCE
T%*%>& IKHLAS3 "33#3 A%"ut us Takaful IKHLAS3 R.5).=. 5+ (;://3%*%>&)*(&%83+3+/ T%*%>& IKHLAS3 "33#3 IKHLAS Cae3 R.5).=. 5+ (;://3%*%>&)*(&%83+3+/+8/)*(&%8-%5./;..8%-;%.&/%.8) +?).).&'8%.')A&&)A&&;%.$ T%*%>& IKHLAS3 "33#3 IKHLASli)k Se(ue Takaful3 R.5).=. 5+ (;://3%*%>&)*(&%83+3+/8).8/.%>&/)&.8/?5(>5.3;
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P2RSON TO CONTACT
GENERAL AGENY MANAGER TUAN HAJI MEHAMAD HAJI BIN ANSHARY 019-$1 $4 / 0$- 4041 40
The i)f"'ati") "f the "ffi(e
The "l! %usi)ess (a!
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APPENDICES
A13 T(. ;5+) . (. ;5>, IKHLAS&)* S.>5. T%*%>& ) (.)5 .?8).
A23 T(. ?5(>5. A&-H)*+%( M%%.+. 5.%5) (. . ;5>
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A$3 T(. A. %5. 5 201 A43 T(. %%58 % 5.)) 5 (. %.
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A3 M5 M.(%+% M%6% %5. 5 (. %%58 % 5.)) ) M5
A3 O. (. %().=.+.8 +;%
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A73 T(. ;)>5. ) (. ).
A3 T(. ;)>5. )( ()8 8.5.%5
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