01
Document overview
Details applications and business plans, capital and licensing, Sharia governance, fund segregation, operating model, investment, provisions, actuarial function, surplus and qard hasan, reporting and supervision.
02
Scope and exclusions
Applies to
Applies to takaful companies, participant and shareholder funds, their governance bodies, actuaries and other regulated functions.
Limitations and exclusions
The 2019 text must be read with Decision E/85/2023 and later instruments; this record is not the current consolidated version.
04
Official source
FSA Decision E/103/2019 · amended by FSA Decision E/85/2023 · Oman Financial Services Authority / MJLA
September 13, 2026
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