Mr.Joof Joined the Insurance Industry in 1989 as a qualified secondary school teacher. He was appointed as an Accounts Clerk.

- Transferred to the Technical Underwriting Department of Senegambia as a clerk in 1990.
- Sent to the West African Insurance Institute in Liberia for a Diploma in Insurance Underwriting 1991
- Returned to Senegambia Insurance in 1992 to rise through various ranks to arrive at Senior Superintendent.
- Joined a start-up Company (Gamstar) from May 1992-1993 as Assistant Manager responsible for: Motors, Claims and Medical Insurance.
- In 1993 Mr Joof joined another conventional Insurance Company called Great Alliance Insurance Company Limited as a
Manager responsible for the establishment of the Life and Health Insurance department.

TECHNICAL TRAINING:
African Information Technology – Nairobi, Kenya, 1998
Management Development Institute – The Gambia, 1998
American International Insurance Company – Nigeria, 1999
Leadway Assurance – Nigeria 1999
University of California, Riverside University Extension – United Sates of America, 2000.
Africa Reinsurance Corporation – Nigeria 1999
State Insurance Corporation of Ghana – 1993

POSITIONS HELD:
• Treasurer - Insurance Association of the Gambia
• Visiting Lecturer – West African Insurance Institute
• Board Member –British Education Agency (Gambia)

- From July 2003-March 2005 pursued a Masters programme at the International Islamic University in Malaysia.
While in Malaysia Mr. Joof attended the International Islamic University. Mr Joof was inspired by the System of Islamic Insurance (Takaful). He got his University to arrange for his attachment training at Takaful Malaysia at the time that Dato Mohd Fadzli was the CEO. He was sent to all technical departments to satisfy his inquisitive mind in comparing Takaful to his 14 years of conventional insurance practice.

Joof was convinced of the virtues that Takaful had to offer especially to his country which had a 95% Muslim population. This created a desire in him to work harder towards the establishment of a Takaful company in The Gambia. Mr. Joof also went on attachment to the Central Bank of Malaysia to learn about the principles of regulating Takaful Insurance before embarking on his dissertation which he chose to write on “A PROPOSED MODEL FOR ISLAMIC INSURANCE (TAKAFUL) IN THE GAMBIA”.
His efforts were sustained when his young and dynamic president visited Kuala Lumpur to attend the last OIC summit. He was granted audience by His Excellency President Dr Yahya Jammeh who promised to support him upon his return to The Gambia which he did by setting up a Task force committee to look into the laws and draft the law for Takaful to operate in The Gambia. The law was passed in 2006 and TGL was established in 2007.

Takaful Gambia limited started operations in January, 2008 on General Takaful. Since 2009, TGL has consistently maintained the payments of profit sharing annually despite its limited capital.

Mr Joof continues to share his experiences and limited expertise within the Sub-region by traveling to attend workshops and seminars on Islamic Finance and granting attachment practical training to people from the West African region.