タカフル市場レポート：製品タイプ別、地域別、2024年～2032年

世界のタカフル市場規模は2023年に336億米ドルに達しました。IMARCグループは、2024年から2032年にかけての成長率（CAGR）は8.9%で、2032年には740億米ドルに達すると予測しています。同市場は、世界のムスリム人口の増加、消費者のイスラム金融に対する意識の高まり、政府による支援政策の導入、継続的な技術の進歩、イスラム諸国の経済開拓などを背景に、力強い成長を遂げています。

タカフル市場の分析

市場の成長と規模イスラム保険制度であるタカフル市場は、シャリアに準拠した金融商品に対する認識と需要の高まりに牽引され、著しい成長を遂げています。市場の拡大には、イスラム人口の増加とイスラム諸国における経済力の増大がさらに拍車をかけています。

主な市場促進要因：タカフル市場の主な促進要因としては、世界のムスリム人口の増加、イスラム諸国における経済開拓の進展、シャリアに準拠した金融サービスへの嗜好の高まりなどが挙げられます。この動向は、イスラム金融の促進を目的とした各国の規制イニシアチブによって支えられています。

技術の進歩：タカフル・サービスのためのデジタル・プラットフォームや安全な取引のためのブロックチェーンなどの技術的進歩は、タカフル・サービスの効率性と魅力を高めています。こうした進歩により、タカフル商品はより利用しやすく信頼できるものとなり、市場基盤の拡大につながっています。

業界の用途タカフルは、健康保険、損害保険、生命保険など様々な分野に応用されており、従来の保険商品に代わるシャリアに準拠した保険商品を提供しています。さまざまな保険ニーズへの適応性が、その魅力と市場範囲を広げています。

主な市場動向：タカフル市場における顕著な動向は、業務の合理化と顧客サービスの向上を実現するフィンテック・ソリューションの統合が進んでいることです。また、ニッチ市場に対応するため、従来型の保険会社がタカフル窓口を開設する傾向も強まっています。

地理的動向：タカフル市場は主に中東と東南アジアで好調で、サウジアラビア、マレーシア、UAEなどの国が市場シェアをリードしています。しかし、タカフルの倫理的性質から、イスラム教徒が多数を占める地域以外でも関心が高まっています。

競合情勢：市場にはタカフル専門会社とタカフル部門を持つ従来型の保険会社が混在しています。市場参入企業の増加や、既存企業の商品ラインナップの拡大、地理的な拡大により、競争は激化しています。

課題と機会課題としては、国によって規制が異なること、潜在的な顧客のタカフル商品に対する理解が限定的であることなどが挙げられます。しかし、こうした課題は、市場教育や規制枠組みの調和に向けた機会を提供し、市場の成長をさらに促す可能性があります。

タカフル市場の動向：

ムスリム人口の増加

世界のムスリム人口の拡大は、タカフル市場の主要な促進要因です。この人口動態の変化は、保険を含むシャリアに準拠した金融商品に対する需要を増大させる。特に中東、東南アジア、アフリカなどの地域でイスラム教徒人口が増加するにつれ、タカフル・サービスに対するニーズも高まっています。この人口動向は、顧客層を広げるだけでなく、金融機関がタカフル商品を開発・提供することを後押ししています。リスク分担、利子（リバ）・ギャンブル（マイシール）・不確実性（ガラール）の不存在など、この保険コンセプトのユニークな特徴は、ムスリム社会の価値観や金融慣行とよく合致しています。したがって、ムスリム人口の増加はタカフル市場の成長と拡大に直接的に寄与しています。

政府の支援と規制の枠組み

この業界は、特にムスリム人口の多い国々において、様々な政府から大きな支援を受けています。各国政府はタカフル市場の発展と成長を促すような規制の枠組みを導入しています。このような枠組みには、多くの場合、より広範な保険市場の水準と安定性を維持しつつ、シャリーアの原則を遵守することを保証する、業務に関する具体的なガイドラインが含まれています。こうした規制面の支援は、タカフル事業を合法化するだけでなく、業界の成長に不可欠な投資家の信頼も高める。さらに、一部の地域では、政府が啓蒙キャンペーンを実施したり、国の金融包摂戦略に組み込むなどして、この保険コンセプトを積極的に推進しています。このような政府の後押しが、市場の開拓と拡大に役立っています。

継続的な技術の進歩

タカフル業界におけるテクノロジーの統合は、その成長に大きな影響を与えています。フィンテック、ブロックチェーン、人工知能（AI）などの技術的進歩は、この保険コンセプトに関する業務の合理化、顧客体験の向上、リスク評価と管理の改善のために採用されています。これらのテクノロジーは、より効率的な保険契約管理、引受、保険金請求処理、シャリア原則の遵守を促進します。さらに、デジタル・プラットフォームによって、オンライン取引を好む技術に精通した若い世代を含む、より幅広い人々が保険にアクセスしやすくなっています。保険業務におけるテクノロジーの導入は、業務効率の向上だけでなく、市場の成長とイノベーションのための新たな道を開くものでもあります。

目次

第1章 序文

第2章 調査範囲と調査手法

• 調査目的
• 利害関係者
• データソース
  • 一次情報
  • 二次情報
• 市場推定
  • ボトムアップアプローチ
  • トップダウンアプローチ
• 調査手法

第3章 エグゼクティブサマリー

第4章 イントロダクション

• 概要
• 主要産業動向

第5章 世界のタカフル市場

• 市場概要
• 市場実績
• COVID-19の影響
• 市場内訳：製品タイプ別
• 市場内訳：地域別
• 市場予測
• SWOT分析
  • 概要
  • 強み
  • 弱み
  • 機会
  • 脅威
• バリューチェーン分析
• ポーターのファイブフォース分析
  • 概要
  • 買い手の交渉力
  • 供給企業の交渉力
  • 競合の程度
  • 新規参入業者の脅威
  • 代替品の脅威

第6章 市場内訳：製品タイプ別

• 生命/家族タカフル
  • 概要
  • 市場促進要因
  • 現在の市場動向と過去の市場動向
  • 市場内訳：地域別
  • 市場予測
• 一般タカフル
  • 概要
  • 市場促進要因
  • 現在の市場動向と過去の市場動向
  • 市場内訳：地域別
  • 市場予測

第7章 市場内訳：地域別

• 湾岸協力会議（GCC）
  • 概要
  • 市場促進要因
  • 現在の市場動向と過去の市場動向
  • 市場内訳：国別
  • 市場予測
• 東南アジア
  • 概要
  • 市場促進要因
  • 現在と過去の市場動向
  • 市場内訳：国別
  • 市場予測
• アフリカ
  • 概要
  • 市場促進要因
  • 現在と過去の市場動向
  • 市場内訳：国別
  • 市場予測
• その他

第8章 タカフル規制

第9章 競合情勢

• 市場構造
• 主要企業
• 主要企業のプロファイル
  • Islamic Insurance Company
  • JamaPunji
  • AMAN
  • Salama
  • Standard Chartered
  • Takaful Brunei Darussalam Sdn Bhd
  • Allianz
  • Prudential BSN Takaful Berhad
  • Zurich Malaysia
  • Takaful Malaysia
  • Qatar Islamic Insurance Company

List of Figures

• Figure 1: Global: Takaful Market: Major Drivers and Challenges
• Figure 2: Global: Takaful Market: Sales Value (in Billion US$), 2018-2023
• Figure 3: Global: Takaful Market: Breakup by Product Type (in %), 2023
• Figure 4: Global: Takaful Market: Breakup by Region (in %), 2023
• Figure 5: Global: Takaful Market Forecast: Sales Value (in Billion US$), 2024-2032
• Figure 6: Global: Takaful Industry: SWOT Analysis
• Figure 7: Global: Takaful Industry: Value Chain Analysis
• Figure 8: Global: Takaful Industry: Porter's Five Forces Analysis
• Figure 9: Global: Takaful Market (Life/Family): Sales Value (in Million US$), 2018-2023
• Figure 10: Global: Takaful Market (Life/Family): Breakup by Region (in %), 2023
• Figure 11: Global: Takaful Market Forecast (Life/Family): Sales Value (in Million US$), 2024-2032
• Figure 12: Global: Takaful Market (General): Sales Value (in Million US$), 2018-2023
• Figure 13: Global: Takaful Market (General): Breakup by Region (in %), 2023
• Figure 14: Global: Takaful Market Forecast (General): Sales Value (in Million US$), 2024-2032
• Figure 15: Gulf Cooperation Council (GCC): Takaful Market: Sales Value (in Million US$), 2018-2023
• Figure 16: Gulf Cooperation Council (GCC): Takaful Market: Breakup by Country (in %), 2023
• Figure 17: Gulf Cooperation Council (GCC): Takaful Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 18: Southeast Asia: Takaful Market: Sales Value (in Million US$), 2018-2023
• Figure 19: Southeast Asia: Takaful Market: Breakup by Country (in %), 2023
• Figure 20: Southeast Asia: Takaful Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 21: Africa: Takaful Market: Sales Value (in Million US$), 2018-2023
• Figure 22: Africa: Takaful Market: Breakup by Country (in %), 2023
• Figure 23: Africa: Takaful Market Forecast: Sales Value (in Million US$), 2024-2032
• Figure 24: Others: Takaful Market: Sales Value (in Million US$), 2018-2023
• Figure 25: Others: Takaful Market Forecast: Sales Value (in Million US$), 2024-2032

List of Tables

• Table 1: Global: Takaful Market: Key Industry Highlights, 2023 and 2032
• Table 2: Global: Takaful Market Forecast: Breakup by Product Type (in Million US$), 2024-2032
• Table 3: Global: Takaful Market Forecast: Breakup by Region (in Million US$), 2024-2032
• Table 4: Global: Takaful Market: Competitive Structure
• Table 5: Global: Takaful Market: Key Players

Abstract

The global takaful market size reached US$ 33.6 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 74.0 Billion by 2032, exhibiting a growth rate (CAGR) of 8.9% during 2024-2032. The market is experiencing robust growth, driven by the rising global Muslim population, increased awareness of Islamic finance among consumers, the introduction of supportive governmental policies, continual technological advancements, and economic development in Islamic countries.

Takaful Market Analysis:

Market Growth and Size: The takaful market, an Islamic insurance system, is witnessing significant growth, driven by increasing awareness and demand for Sharia-compliant financial products. The market's expansion is further fueled by the rising Muslim population and growing economic power in Islamic countries.

Major Market Drivers: Key drivers of the takaful market include the growing Muslim population globally, increased economic development in Islamic countries, and a rising preference for Sharia-compliant financial services. This trend is supported by regulatory initiatives in various countries aimed at promoting Islamic finance.

Technological Advancements: Technological progress, such as digital platforms for takaful services and blockchain for secure transactions, is enhancing the efficiency and appeal of takaful offerings. These advancements are making takaful products more accessible and trustworthy, thereby expanding the market base.

Industry Applications: Takaful has applications across various sectors, including health, property, and life insurance, providing a Sharia-compliant alternative to conventional insurance products. Its adaptability to different insurance needs is broadening its appeal and market reach.

Key Market Trends: A notable trend in the takaful market is the increasing integration of fintech solutions, which streamline operations and improve customer service. Additionally, there's a growing trend of conventional insurance companies launching takaful windows to cater to this niche market.

Geographical Trends: The takaful market is predominantly strong in the Middle East and Southeast Asia, with countries like Saudi Arabia, Malaysia, and the UAE leading in market share. However, there's growing interest in non-Muslim majority regions due to the ethical nature of takaful.

Competitive Landscape: The market features a mix of specialized takaful companies and conventional insurers with takaful divisions. Competition is intensifying as more players enter the market, and existing companies expand their product range and geographical reach.

Challenges and Opportunities: Challenges include regulatory heterogeneity across countries and a limited understanding of takaful products among potential customers. However, these challenges present opportunities for market education and harmonization of regulatory frameworks, which can further stimulate market growth.

Takaful Market Trends:

Growing Muslim population

The expanding Muslim population globally is a primary driver of the Takaful market. This demographic shift increases the demand for Sharia-compliant financial products, including insurance. As the Muslim population grows, particularly in regions like the Middle East, Southeast Asia, and Africa, there is a corresponding rise in the need for Takaful services. This demographic trend not only broadens the customer base but also encourages financial institutions to develop and offer Takaful products. The unique features of this insurance concept, such as risk-sharing and the absence of interest (riba), gambling (maisir), and uncertainty (gharar), align well with the values and financial practices of the Muslim community. Therefore, the increasing Muslim population directly contributes to the growth and expansion of the Takaful market.

Government support and regulatory frameworks

The industry is receiving significant support from various governments, especially in countries with large Muslim populations. Governments are implementing favorable regulatory frameworks that encourage the development and growth of the market. These frameworks often include specific guidelines for operations, ensuring that they comply with Sharia principles while also maintaining the standards and stability of the broader insurance market. Such regulatory support not only legitimizes Takaful operations but also boosts investor confidence, which is crucial for the industry's growth. Furthermore, in some regions, governments are actively promoting this insurance concept through public awareness campaigns and by integrating it into national financial inclusion strategies. This governmental backing is instrumental in the development and expansion of the market.

Continual technological advancements

The integration of technology in the Takaful industry is significantly influencing its growth. Technological advancements like fintech, blockchain, and artificial intelligence (AI) are being employed to streamline operations regarding this insurance concept, to enhance customer experience, and improve risk assessment and management. These technologies facilitate more efficient policy management, underwriting, claims processing, and compliance with Sharia principles. Additionally, digital platforms are making it more accessible to a broader audience, including younger tech-savvy generations who prefer online transactions. The adoption of technology in insurance operations is not only improving operational efficiency but also opening up new avenues for market growth and innovation.

Takaful Industry Segmentation:

IMARC Group provides an analysis of the key trends in each segment of the market, along with forecasts at the global and regional levels for 2024-2032. Our report has categorized the market based on product type.

Breakup by Product Type:

Life/Family Takaful

General Takaful

General takaful accounts for the majority of the market share

The report has provided a detailed breakup and analysis of the market based on the product type. This includes life/family takaful and general takaful. According to the report, general takaful represented the largest segment.

Life or family takaful segment represents a Sharia-compliant alternative to conventional life insurance. It provides financial security to participants against life-related uncertainties, focusing on long-term savings and investment. Contributions from participants are pooled into funds, which are then invested in Sharia-compliant assets. In the event of death or disability, beneficiaries receive a payout from this pool. This segment also offers investment-linked products, where a portion of the contributions is invested for returns, catering to long-term financial planning needs like retirement, education, or wealth accumulation. It is particularly popular in regions with significant Muslim populations, offering a blend of ethical investment and social security.

On the other hand, general takaful covers non-life insurance needs, such as property, automobile, health, and liability insurance, operating under Islamic principles. In this segment, participants contribute to a risk pool to safeguard against potential losses or damages. This collective risk-sharing model, devoid of interest and speculative elements, adheres strictly to Islamic law. General Takaful is increasingly popular in both Islamic and non-Islamic nations due to its ethical approach, with products tailored to various commercial and personal requirements. Its growth is indicative of a broader acceptance and demand for Sharia-compliant financial products in diverse sectors.

Breakup by Region:

Gulf Cooperation Council (GCC)

Southeast Asia

Africa

Others

Gulf Cooperation Council (GCC) leads the market, accounting for the largest takaful market share

The market research report has also provided a comprehensive analysis of all the major regional markets, which include Gulf Cooperation Council (GCC), Southeast Asia, Africa and others. According to the report, Gulf Cooperation Council (GCC) accounted for the largest market share.

The market in the GCC countries is a significant and rapidly growing segment. The GCC region, comprising Saudi Arabia, Kuwait, the United Arab Emirates, Qatar, Bahrain, and Oman, has seen a rise in Takaful due to high economic growth, substantial Muslim populations, and supportive regulatory environments. The GCC Takaful market is characterized by a strong demand for both family and general Takaful products, driven by increased awareness of Islamic finance, rising income levels, and governmental initiatives promoting Sharia-compliant financial services. This region is often seen as a leader in the Takaful industry, setting trends and standards for other Islamic markets.

Southeast Asia, particularly countries like Malaysia and Indonesia, represents a dynamic and growing segment of the market. These nations have large Muslim populations and have been pioneers in the development and regulation of this insurance concept. The market here is characterized by a blend of sophisticated financial products and strong governmental support, catering to both domestic and international consumers seeking Sharia-compliant insurance solutions.

The market in Africa is emerging as a significant segment, with countries like Egypt, Nigeria, and Sudan leading the way. The continent's large and growing Muslim population, coupled with an increasing awareness of Islamic finance, is driving the demand for this insurance. Although in its nascent stages compared to other regions, the African Takaful market shows immense potential due to rapid economic growth, increased urbanization, and a burgeoning middle class.

Leading Key Players in the Takaful Industry:

Companies are focusing on the development of innovative and diverse Takaful products to meet the specific needs of different customer segments. This includes tailored products for health, education, property, and life insurance, which are Sharia-compliant and cater to the unique demands of various demographics. They are forming strategic partnerships with technology firms, conventional financial institutions, and other insurance companies. Also, major companies are expanding their operations into new regions, including non-Muslim majority countries, to tap into untapped markets. Recognizing the importance of digital transformation, Takaful operators are investing in advanced technologies such as blockchain, artificial intelligence, and mobile platforms.

The market research report has provided a comprehensive analysis of the competitive landscape. Detailed profiles of all major companies have also been provided. Some of the key players in the market include:

Islamic Insurance Company

JamaPunji

AMAN

Salama

Standard Chartered

Takaful Brunei Darussalam Sdn Bhd

Allianz

Prudential BSN Takaful Berhad

Zurich Malaysia

Takaful Malaysia

Qatar Islamic Insurance Company

(Please note that this is only a partial list of the key players, and the complete list is provided in the report.)

Latest News:

July 5, 2022: The Islamic International Rating Agency reaffirmed the Takaful Financial Strength rating of The Islamic Insurance Company PLC in Jordan at 'A' with a stable outlook, amidst a recovering Jordanian economy expected to grow by 2.2% in 2022 and 2.3% in 2023. TIIC, supported by the Jordan Islamic Bank and strong corporate and Shari'a infrastructure, showed solid financial performance with increased premiums, strong capital buffers, and liquidity, despite a conservative approach to risk and changes in its Re-Takaful panel.

May 18, 2022: Institute of Financial Markets of Pakistan (IFMP), known for its initiatives in financial education and literacy in Pakistan, which operates Jamapunji.pk, signed an MOU with Zameen.com in a ceremony conducted at Zameen's Karachi headquarters.

14th June 2023: Dubai Islamic Insurance and Reinsurance (AMAN) has announced that it will sell its individual life takaful portfolio to Abu Dhabi National Takaful Company (ADNTC) for 37.5 million UAE dirhams. AMAN, which is listed on the Dubai Financial Market (DFM), had previously been in talks for an acquisition with Salama, another DFM-listed insurer.

Key Questions Answered in This Report

• 1. What was the size of the global takaful market in 2023?
• 2. What is the expected growth rate of the global takaful market during 2024-2032?
• 3. What are the key factors driving the global takaful market?
• 4. What has been the impact of COVID-19 on the global takaful market?
• 5. What is the breakup of the global takaful market based on the product type?
• 6. What are the key regions in the global takaful market?
• 7. Who are the key players/companies in the global takaful market?

Table of Contents

1 Preface

2 Scope and Methodology

• 2.1 Objectives of the Study
• 2.2 Stakeholders
• 2.3 Data Sources
  • 2.3.1 Primary Sources
  • 2.3.2 Secondary Sources
• 2.4 Market Estimation
  • 2.4.1 Bottom-Up Approach
  • 2.4.2 Top-Down Approach
• 2.5 Forecasting Methodology

3 Executive Summary

4 Introduction

• 4.1 Overview
• 4.2 Key Industry Trends

5 Global Takaful Market

• 5.1 Market Overview
• 5.2 Market Performance
• 5.3 Impact of COVID-19
• 5.4 Market Breakup by Product Type
• 5.5 Market Breakup by Region
• 5.6 Market Forecast
• 5.7 SWOT Analysis
  • 5.7.1 Overview
  • 5.7.2 Strengths
  • 5.7.3 Weaknesses
  • 5.7.4 Opportunities
  • 5.7.5 Threats
• 5.8 Value Chain Analysis
• 5.9 Porters Five Forces Analysis
  • 5.9.1 Overview
  • 5.9.2 Bargaining Power of Buyers
  • 5.9.3 Bargaining Power of Suppliers
  • 5.9.4 Degree of Competition
  • 5.9.5 Threat of New Entrants
  • 5.9.6 Threat of Substitutes

6 Market Breakup by Product Type

• 6.1 Life/Family Takaful
  • 6.1.1 Overview
  • 6.1.2 Market Drivers
  • 6.1.3 Current and Historical Market Trends
  • 6.1.4 Market Breakup by Region
  • 6.1.5 Market Forecast
• 6.2 General Takaful
  • 6.2.1 Overview
  • 6.2.2 Market Drivers
  • 6.2.3 Current and Historical Market Trends
  • 6.2.4 Market Breakup by Region
  • 6.2.5 Market Forecast

7 Market Breakup by Region

• 7.1 Gulf Cooperation Council (GCC)
  • 7.1.1 Overview
  • 7.1.2 Market Drivers
  • 7.1.3 Current and Historical Market Trends
  • 7.1.4 Market Breakup by Country
  • 7.1.5 Market Forecast
• 7.2 Southeast Asia
  • 7.2.1 Overview
  • 7.2.2 Market Drivers
  • 7.2.3 Current and Historical Market Trends
  • 7.2.4 Market Breakup by Country
  • 7.2.5 Market Forecast
• 7.3 Africa
  • 7.3.1 Overview
  • 7.3.2 Market Drivers
  • 7.3.3 Current and Historical Market Trends
  • 7.3.4 Market Breakup by Country
  • 7.3.5 Market Forecast
• 7.4 Others

8 Takaful Regulations

9 Competitive Landscape

• 9.1 Market Structure
• 9.2 Key Players
• 9.3 Profiles of Key Players
  • 9.3.1 Islamic Insurance Company
  • 9.3.2 JamaPunji
  • 9.3.3 AMAN
  • 9.3.4 Salama
  • 9.3.5 Standard Chartered
  • 9.3.6 Takaful Brunei Darussalam Sdn Bhd
  • 9.3.7 Allianz
  • 9.3.8 Prudential BSN Takaful Berhad
  • 9.3.9 Zurich Malaysia
  • 9.3.10 Takaful Malaysia
  • 9.3.11 Qatar Islamic Insurance Company