teks: I totally stand with Brother Safdar Alam with his views on takaful vs conventional. I can only be convinced if there is any academic article to support that takaful is islamic and the mechanism is not sugarcoating conventional approach. I dont buy the arabic terms to justify the islamic elements of it.
kelaskan text {gangguan, kebencian, porno, penyakit psikiatri atau mental, sifat perkauman, penghinaan agama, selamat untuk bekerja, mencederakan diri sendiri, seksis}
penghinaan agama