Through the spirit of cooperation and joint-responsibility amongst participants, the act of charity and benevolence allows participants the opportunity to obtain two forms of benefit.  Firstly, monetary benefits through the Takaful plan itself.   Secondly, it is "benefits" in the spiritual sense,  through their act of tabarru' at (donation), participants will receive God's grace and blessings in Life Hereafter. The Takaful system does not differentiate colour or creed; it is meant to benefit all participants, irrespective of their religious beliefs.