This conceptual paper is written to review related literature about the sustainability of successful Takaful agents in Malaysia. Studies on Takaful agents' sustainability have gained interest among scholars because Takaful contributes to the country's development in terms of growing its economy, generating financial resources and creating job opportunities. Conversely, existing literature focusing on Takaful agents is still lacking. In view of this, this particular study attempts to develop a conceptual framework using an agent-principal relationship and motivation to explain this phenomenon. The integration of economic and management theories, mainly Takaful agent sustainability is insufficiently discussed and still infantile. Hence, this paper aims to close the gap by comprehensively reviewing all elements required in integrating the two theories that contribute to this phenomenon. It is important to note that Takaful agents' motivation to apply agent-principal relationships is sustained, which meets the demand for the untapped market in the Takaful industry. Thus, this paper is significant as it provides a critical corpus of knowledge and a better understanding of both theories' elements.
Takaful salespersons are prominent actors in the Takaful industry, whereby most Takaful operators necessitate salespersons to represent them by promoting the products and services to the society. Indisputable, a prompt number of researches regarding Takaful is mounting in the recent decades. Hence, this study obtained a phenomenon of Takaful salespeople with a comprehensive overview to close the gaps in conceptualization and theoretical viewpoint. The researcher discoursed a systematic review of 1660 papers covered from year 2011 to 2021 in different disciplines to better understand the comprehensive Takaful salespersons' phenomenon. This study will contribute to fostering the corpus of knowledge among scholars, academician and practitioners to fathom regarding Takaful conceptualization. Regardless of the established theories, a multidimensional theoretical perspective must be clarified to develop a systematic model for Takaful salespeople. Thus, the future path is advised to capitalize on the potential in this field of study.
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