Family Takaful is one of the service sectors that are expected to continue to drive growth in the economy. Thus,
the family Takaful market continues to play an important role in supporting economic and social development.
However, in Malaysia, family Takaful market is still at a lower penetration level if we were to compare to other
developed countries even though the Takaful industry continues to sustain strong performance amidst challenges
in a competitive environment. Evidence has shown that the percentage of society covered by family Takaful
contracts in Malaysia is still very low compared to conventional insurance. Therefore, the study aims to propose
a conceptual framework for the determinants of family Takaful demand in Malaysia. From a review of the
literature available in this particular area of interest, there are two categories of factors that are found to be the
main determinants of family Takaful. These factors are the socio-demography and economic factors.

Enterprise Risk Management (ERM) is a new concept of managing risks holistically and in Malaysia, such a concept is still relatively new among Malaysian companies. On a positive note however, the ERM concept appear to be receiving much attention over the recent years from various businesses and industries in Malaysia. This particular study aims to determine the level of ERM adoption among the Government-Linked Companies (GLCs) and to examine the influence of Chief Risk Officers (CROs) and Board of Directors (BODSs) on the ERM implementation itself. Findings of the study showed that the more established GLCs were more receptive to the adoption of ERM as compared to the less established ones. Also, companies that adopt ERM were found to have appointed the Chief Risk Officers (CROs). In addition, the quality of Board of Directors (BODSs) was also found to play a significant role in respect of ERM implementation.

Enterprise Risk Management (ERM) has become an important subject of increasing interest among businesses and industries throughout the world. Along the same note, ERM is considered a critical management practice for companies to mitigate risks effectively. The main objective of this paper is to propose a conceptual framework for determinants of companies in Malaysia that implement ERM. From the review of various literatures available in this particular area of interest, several factors are found to be the main determinants of companies that implement ERM. Such factors are the presence of chief risk officer, leverage, profitability, international diversification, majority shareholder, size and turnover.

The main aimed of this study is to examine the Chief Executive Officers' (CEOs') traits in relation to the perceptions of financial risk management during three time periods, namely, before the financial crisis 1997, during the crisis and after the crisis. A survey questionnaire was designed and distributed to CEOs of public listed companies under the Malaysian Bourse. A total of 54 CEOs responded to the survey. The main findings of the study are as follows: a) Before and after the crisis, CEOs gave the highest priority to business risk as compared to financial risk; b) During the crisis, CEOs gave a higher priority to financial risk; c) Younger CEOs attributed the highest priority to financial risk; d) More experienced CEOs attributed the highest priority to foreign exchange and interest rate risk and e) Malay CEOs gave a higher priority to financial risk than Chinese CEOs.