KFH Takaful vs Raqib

KFH Takaful was established as a Closed Joint-Stock Takaful Kuwaiti Insurance Company in 2007 with an authorized capital of KD 10 million. The work in KFH Takaful revolves around providing comprehensive, innovative and Sharia-compliant insurance services by examining customer needs and working to provide the best services through multiple distribution channels that serve customers on a large scale. Takaful Principle The Takaful System is a Shariah-Compliant system in which the concept of Takaful is based on several principles, the most important of which is the joint solidarity between a number of individuals in their joint participation in the Takaful Program so that the group bears the costs incurred by one of its members when exposed to risk. In this spirit, Takaful Insurance comes to be a real embodiment of the idea of solidarity work and a developed model on the ground that commensurate with the changes and developments in our contemporary life. Values Trust and Credibility Innovation Excellence

Raqib keeps every receipt in one place and tells you what your month looks like — in English or Arabic, in your own currency. CAPTURE ANY WAY YOU LIKE • Photograph a paper receipt. Raqib reads the merchant, total, date, items and payment method in one go. • Paste a receipt link from an SMS. • Import a bank statement PDF and turn its rows into receipts. • Connect your mailbox (read-only) and let e-receipts arrive on their own. • Leave the app while a photo or statement is being read. A notification tells you when it is ready. KNOW BEFORE IT COSTS YOU • Return windows: a reminder two days before the last day to return something, and again on the day. • Subscriptions: which charges recur, what they add up to per month, and a note when a price goes up. • Budget: a monthly figure, a forecast for where the month lands, and a nudge at 80% and 100%. SEE WHERE IT GOES • Spend by category with month-over-month change. • Top merchants, with a page for each one. • Search by shop, amount, note, card or a range like 10–50. PRIVATE BY DESIGN • Receipt photos stay on your phone. They are read once and never stored on our servers unless you choose to keep a copy in your account. • Mailbox access is read-only, and only the receipt details are kept — never your emails. • Export everything as JSON or CSV, or delete it all, any time.