Takaful ta'awuni agro: strengthening agricultural resilience through inclusive and sustainable protection among paddy farmers in Malaysia

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dc.contributor.authorSyahnaz Sulaiman
dc.contributor.authorNur Salsabila Adam Malik
dc.contributor.authorJasmin Arif Shah
dc.contributor.authorNurul Aini Muhamed
dc.contributor.authorAmir Shaharuddin
dc.contributor.authorKhairil Faizal Khairi
dc.contributor.authorHussein 'Azeemi Abdulah Thaidi
dc.date.accessioned2026-01-26T09:35:42Z
dc.date.available2026-01-26T09:35:42Z
dc.date.issued2025
dc.description.abstractAgricultural takaful has been introduced as a Shari'ah-compliant risk-sharing mechanism to support smallholder farmers in managing production and climate-related risks. This study explores the potential of integrating Islamic social finance (ISF) instruments into an agricultural takaful model to enhance agricultural resilience and agrifood system security among paddy farmers in Malaysia. A mixed-methods approach was employed, combining a structured survey of 385 paddy farmers from three major granary states in Malaysia, notably Kedah, Kelantan, and Selangor, with in-depth interviews involving takaful operators, agricultural agencies, and Islamic finance institutions (IFIs). The survey captured farmers' demographic profiles, willingness to participate and contribute to agricultural takaful, and their exposure to ISF instruments, while qualitative interviews provided complementary insights into challenges and opportunities for integrating takaful with ISF. The findings indicate that the paddy farmers have the intention to participate and contribute to agricultural takaful that predominantly influenced their attitudes and perceived behavioural control. However, affordability, awareness, and Shari'ah compliance issues remain barriers for their participation. Financial support through zakat and waqf has the potential to enhance acceptance, while pricing remains a critical determinant for uptake. Qualitative evidence further highlights the need for a model that extends beyond risk protection to reflect ethical, inclusive, and sustainability principles. This study contributes novel insights through the proposed takaful ta'awuni agro framework, which integrates takaful with zakat and waqf under a unified model of ta'awun (mutual cooperation). Ta'awun is positioned here as a broader guiding value for ISF, enabling collective responsibility, inclusivity, and community resilience. This study is limited by its cross-sectional design and focus on selected granary regions in Malaysia. Future research should apply long-term and pilot-based approaches to empirically test the operationalisation and performance of integrated takaful-ISF models across different agricultural and country contexts. The proposed takaful ta'awuni agro framework brings the spirit of ta'awuni into practice by aligning agricultural takaful with the Value-Based Intermediation Takaful (VBIT) agenda to provide a Shari'ah-compliant and inclusive risk-sharing solution for vulnerable farmers. The model demonstrates how ta'awun and VBIT can be applied beyond agriculture to strengthen financial resilience and social protection across other vulnerable sectors of the economy.en_US
dc.identifier.citationSulaiman, S., Adam Malik, N. S., Arif Shah, J., Muhamed, N. A., Shaharuddin, A., Khairi, K. F., & Abdulah Thaidi, H. 'A. (2025). Takaful ta'awuni agro: Strengthening agricultural resilience through inclusive and sustainable protection among paddy farmers in Malaysia. International Journal of Islamic Finance and Sustainable Development, 17(4), 125-153. https://doi.org/10.55188/ijifsd.v17i4.1162en_US
dc.identifier.doihttps://doi.org/10.55188/ijifsd.v17i4.1162
dc.identifier.issn3030-6442
dc.identifier.urihttps://ikr.inceif.edu.my/handle/INCEIF/4267
dc.languageEnglish
dc.language.isoengen_US
dc.publisherISRA Instituteen_US
dc.sourceSEDONA
dc.subjectAgricultural takafulen_US
dc.subjectFood securityen_US
dc.subjectIslamic social finance (ISF)en_US
dc.subjectPaddy farmersen_US
dc.subjectTakaful ta'awunien_US
dc.titleTakaful ta'awuni agro: strengthening agricultural resilience through inclusive and sustainable protection among paddy farmers in Malaysiaen_US
dc.typeJournal Articleen_US
ikr.doctypeScholarly Works
ikr.topic.maintopicIslamic social financeen_US
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