RISKAVOIDANCE - A technique of risk management that involves taking steps to eliminate hazard, GENERALTAKAFUL - A contract of joint guarantee, on a short term basis where takaful participants pay contributions and TO manage the risk, FAMILYTAKAFUL - A long term policy which most participants aim at saving for their long term needs, MANAGER - In general takaful contract takaful operator act as the ______ of the fund., TABARRU - In general takaful, contribution paid is wholly on the basis of ________, MARINETAKAFUL - Covers loss of damage or marine hull, marine cargo and goods in transit,

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