In the context of personal loan, banks list companies. This helps them in offsetting the risk of any potential default. It gets easy for the bank to assess a person's income stability.

Source: http://www.mymoneysouq.com/loans/compare-personal-loans-uae

Takaful means promise each other with regards to an Insurance agreement where the members put some money which they get from profits on investments and even bear the loss of different individuals if necessary.
Source: http://www.mymoneysouq.com/financial-blog/what-is-takaful-coverage-in-uae/