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Takaful Pool

Mutual Islamic insurance — tabarru contributions computed from everlasting put Π_put(spot, floor) at ι=0 (AAOIFI SS-26)

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Shariah Compliance — AAOIFI Standard 26

Contributions are tabarru (charitable donation), NOT insurance premiums. The 10% wakala fee is the operator's ju'alah (service contract fee). No guaranteed return. Surplus (above 2× claims reserve) is distributed to charity. Put pricing at ι=0 eliminates any riba element from the premium formula.