Participants Risk Fund (PRF)

• This plan applies Tabarru' concept.
• Whereby the Participant agree to donate or contribute  a specified portion from the contribution paid to the Participant Risk Fund (Tabarru' Fund) for the purpose of mutual aid and assistance to the Participant in case of need
• If there is any distributable surplus from the PRF at the end of each financial year, the participant will be entitled to receive 50% of the surplus after deducting 50% to Takaful Operator as performance fee
• The surplus (if any) due to the Participant will be reinvested and accumulated in PIF.