id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
ajiss-452		ajiss-452		22	.pdf	application/pdf	7797	350	56	This distinguishing feature is the result of STMB’s decision not to use takaful sales agents to sell and market its takaful prod- ucts. The internal governance structure of takaful companies includes an independent body, namely, the Shari`ah Advisory Council, which is responsible for ensuring that business operations conform to the relevant Shari`ah precepts.	cache/ajiss-452.pdf	txt/ajiss-452.txt