Zurina Shafii’s scientific contributions

The integration of Environmental, Social, and Governance (ESG) factors has emerged as a critical aspect of the Takaful industry, driven by growing social and environmental consciousness among customers. This study investigates the effectiveness of a financial literacy program implemented by a takaful operator in Malaysia, aiming to enhance customers' financial literacy and raise their awareness of ESG considerations. The program provided guidance on individuals’ financial cycles, starting from earning money, cash flow management and budgeting, protection via Takaful products, savings, investment, wealth purification, and estate planning. This research evaluates the programme's impact through surveys and interviews conducted with trainees and assesses its efficacy in improving financial literacy and promoting ESG awareness. The findings demonstrate that the financial education program successfully enhanced financial literacy levels and raised ESG awareness among the target group and the public. The study concludes by highlighting the significance of financial education programs as valuable tools for fostering ESG integration in the Takaful industry and suggests effective techniques for developing such initiatives.