In rural areas of Pakistan, families often face daily challenges. A health emergency, failed crops, or the loss of a family’s main earner can lead to a financial crisis. These communities usually do not have access to insurance or formal financial help.
Micro Takaful is an affordable and ethical solution. It follows Shariah rules and is made for people with low income. It protects them from small but important risks like hospital stays, disability, and losing income.
But to reach many people, Takaful providers need strong digital systems. That is where Tidal Waves helps.
Micro Takaful is a type of Islamic insurance that gives protection to people who are not usually covered. It is based on helping each other and gives financial support for:
• Health costs
• Loss of income because of death or disability
• Losses in farming or animals
• Education help for children or dependents
What is Micro Takaful
Micro Takaful is a good fit for Pakistan’s rural economy. But it only works well with fast, large-scale, and reliable technology.
How Tidal Waves Supports Takaful Operators
Tidal Waves is a technology company that supports Takaful. We do not sell or manage Takaful plans. Instead, we provide a modern, 100 percent web-based system that handles the whole Takaful process from making policies to settling claims all in real time.
End to End Digital Platform
Our digital Takaful system supports the full Micro Takaful process:
• Making products
• Adding new members
• Tracking payments
• Processing claims in real time
• Managing documents and communication
• Keeping records and tools ready for audits and rules
Everything works on a safe, online system that runs automatically and is built for growth.
Scalable Group Management
Takaful providers working with big communities or partner groups can easily handle:
• Adding groups
• Uploading data in bulk
• Updating member details
• Tracking how programs are doing
Our platform helps grow Micro Takaful programs without extra work.
Real Time Claims Handling
Claims are handled through built-in steps that help with quick checking, decisions, and payments. Providers can see claim status, check documents, and approve payments right away — all from one dashboard.
Powerful Dashboards and Regulatory Reports
Providers can use real time dashboards to see:
• Enrollment and payment trends
• Claim activity
• Coverage in different areas
• Reports that follow SECP rules
These tools help with clear reporting, checking impact, and making decisions based on data.
Why It Matters
Micro Takaful in Pakistan can help millions of families who are at risk. But for it to succeed, providers need strong digital systems.
Tidal Waves gives exactly that a Takaful system that makes work faster, smarter, and cheaper.
By helping with strong operations, we help our partners protect the people who need it the most.
Let’s Build Inclusion Together
Are you a Takaful provider, NGO, or microfinance group that wants to grow Micro Takaful programs? Let us work together.
Tidal Waves gives you the digital platform you need to serve rural Pakistan in a safe, reliable, and large-scale way.
Contact us to learn how we can help your goals.
