A study carried out by the Qatar Financial Centre Authority has found that the outlook for Takaful insurers improved over the past year, but many remain critical of the segment's future. Just 22 percent of respondents thought Takaful insurers would underperform the rest of the market, down from the 32 percent recorded in the prior year. But executives said that they felt Takaful offered no genuine differentiation and often did not live up to the concept.