The tabarru-based takaful is the most ideal model of takaful among other models. Initially, takaful is seen as a non-profit oriented activity. It based on solidarity, responsibility and brotherhood among participants. In this model, each participant is willing to make donation to the takaful fund with sincere intention to extend financial assistant to other participants faced with difficulties. It provides no return for both the takaful operator and the participants or policyholder. Therefore, such model prevents large-scale expansion of takaful business