AAOIFI Proposes the Following Methods

AAOIFI proposes the following methods. of covering the takaful deficit:

A) to settle the deficit from the reserves of policyholders, if any
B) to borrow from the shareholders' funds or from others the amount of deficit that should be paid back from future surpluses
C) to increase the future premium contribution of policyholders on a pro-rata basis
D) all of the above