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Question: An Islamic bank has launched a product based on a financial lease, Ijarah Muntahiya Bittamlik. The purpose of the product is to finance the procurement of residential and commercial buildings by its customers.The modus operandi of the product is as ....

Question: An Islamic bank has launched a product in order to finance various types of Shariah compliant business activities. The product is based on a Mudarabah structure and operates as follows :-Along with the application form, the customer submits a Mudarabah ....

Question: An Islamic bank has been using an Istisnah and parallel Istisnah structure to finance the construction of residential as well as commercial buildings ;The structure operates as follows :The Islamic bank enters into an Istisnah agreement with the customer whereby ....

Question: An Islamic bank has launched a product after getting it approved by the bank’s Shariah board for financing the construction of residential villas for its individual customers.Following are the main features of the product :Customer submits the complete specifications of ....

Question: Two foreign currency exchange transactions were executed between two Islamic banks located in two different countries. The transactions were in two different currencies and their execution was as follows :At the request of one of its customers, Islamic bank a ....

Question: While preparing a manual for vehicle financing through a Murabahah structure, an Islamic bank wanted to adopt a provision of security deposit. This is an amount deposited by the customer at the time of submission of the Murabahah application and ....

Publisher: University of Bahrain (Manama, Bahrain). Deanship of Graduate Studies and Scientific Research
Start Date: 2014

By: Hasan, Nasr Taha. Journal of Empirical Research in Accounting & Auditing. Vol. 1, no. 1 (Oct. 2014), pp.75-98, 24 p.

Question: An Islamic insurance (Takaful) company has raised the following query seeking Shariah guidance :The Takaful company in the subject year had a number of policyholders filing claims under their relevant Takaful policies, either seeking indemnity against the agreed Takaful events ....

Question: An Islamic brokerage company has raised the following query seeking Shariah guidance;Pursuant to the initial public offering (IPO), a new company has been established with an aim to carry out Shariah compliant business activities as stated in the company documents ....

Question: Is it permissible to use a non-Islamic business account that does not accrue interest for a ltd company ?.

Subjects: Bank accounts; Islamic jurisprudence; Usury

Question: An Islamic bank (as Rab-Ul-Maal) extended a Mudarabah facility to a customer (as Mudarib) for investment in his trade business. The facility was disbursed pursuant to the entry into the Mudarabah agreement and the Mudarabah capital was invested by the ....

Question: I have accumulated an interest based debt of which I had no previous knowledge. Is it Haram for me to pay off this interest or am I allowed to pay it off in order to have a “clean slate” so to speak..

Subjects: Debt repayment; Islamic jurisprudence; Usury

Question: During the recent economic crisis, an Islamic bank faced a number of defaults in financial commitments by its clients. As a result, the Islamic bank is required to allocate a part of the current income as provision for bad and ....

By: Belboula, Imene; Annabi, Bin Isa. Journal of Economic Integration. No. 3 (Sep. 2014), pp.49-71, 23 p.

By: Sulaymani, Hamid; Yusufi, Rashid. Journal of Economic Integration. No. 3 (Sep. 2014), pp.20-48, 29 p.

By: Sari, Zahirah. Journal of Economic Integration. No. 3 (Sep. 2014), pp.1-19, 19 p.

By: Aftiss, Ahmad. Dossiers de Recherches en Economie et Gestion. No. 3 (Sep. 2014), pp.106-129, 24 p.

Subjects: Competition; Corporations; Economic surveys; Marketing; Morocco

Question: An Islamic bank is preparing to launch home finance product for its customers.The product is based on Ijarah Muntahiya Bittamlik (financial lease), through which the bank will purchase the property from the market and lease it to the customer. The ....

Question: Shariah guidance has been sought by an Islamic bank in relation to pledge or mortgage against auto Murabahah liability. Also, if it is permissible, what shall be the treatment of insurance proceeds in case of total damage to the mortgaged vehicle ?.

Question: Do I need to pay Zakat on my pension each year or when I start receiving it at the age of 55 ? The pension is twofold.1. My employer contributes £ 300 per month towards my chosen pension provider.2. My ....

Subjects: Alms tax; Islamic jurisprudence; Pensions

Question: Can you tell if the following two forms of investments are permissible from a sharia perspective. Intention is to use the schemes as tax efficient vehicles only with a view of separating any impermissible profit and donating it to ....

Subjects: Banks; Investments; Islamic jurisprudence; Usury

Question: A group of conventional and Islamic participating banks entered into a syndication to provide financing for a large project through an Islamic facility to be provided through an Islamic bank acting as an investment agent.Although the majority of the participating ....

Question: An Islamic bank has issued a Murabahah-based documentary letter of credit (LC). The LC was based on a proforma invoice issued by the supplier containing description, quantity and price of the goods besides shipment date. The LC documents have been ....

Question: An Islamic bank is planning to launch a retail product to fulfill the personal finance needs of its customers. The product is based on the Salam contract.Shariah guidance is required as to whether it is permissible for the Islamic bank ....

Question: Shariah guidance is sought as to whether it is permissible for an Islamic bank to accept funds from a conventional bank in order to invest the same along with its common investment pool..

Question: A customer previously obtained an Ijarah facility (financial lease) from an Islamic bank in order to procure a building. The tenor of the facility was 20 years.During the term of the facility, the customer requested the bank to allow for ....

Question: A customer previously obtained an Ijarah facility (financial lease) from an Islamic bank in order to procure a building. The tenor of the facility was 20 years.During the term of the facility, the customer requested the bank to allow for ....

By: Nath, Dilip C.; Patowari, B.; Lane, Sandra D.. International Journal of Population Research. No. 2014 (2014), pp.1-14, 14 p.

Question: -.

Subjects: Financing; Forward buying; Islamic jurisprudence; Sales

By: Robinson, John; Amirtharaj, Henry; Pardalos, Panagote M.. Advances in Decision Sciences. No. 2014 (2014), pp.1-10, 10 p.

By: Chaurasia, Aalok Ranjan; Haughton, Jonathan. International Journal of Population Research. No. 2014 (2014), pp.1-11, 11 p.

By: Hijazi, Wajdi Hamid. Journal of Faculty of Commerce for Scientific Research. Vol. 51, no. 2 (Jul. 2014), pp.14-17, 4 p.

By: al-Nahrawi, Ayman Muhammad Muhammad Khalil. Journal of Faculty of Commerce for Scientific Research. Vol. 51, no. 2 (Jul. 2014), pp.23-25, 3 p.

By: Martinez, Jose N.; Guttmacher, Sally. International Journal of Population Research. No. 2014 (2014), pp.1-12, 12 p.

Question: An Islamic bank intends to offer financing at preferential profit rates to its staff to help them purchase vehicles. However, the preferential rate is intended to be applicable only during the employment tenor. Can the Islamic bank achieve this objective in a Shariah compliant manner ?.

Question: Many conventional banks have products called ‘Offset’ mortgages. These are mortgages whereby :If I have a mortgage of 50 K and savings of 50 K the savings offsets the interest on the remaining mortgage value. So in the above case ....

Subjects: Islamic jurisprudence; Subprime mortgage; Usury

Question: Many conventional banks have products called ‘Offset’ Mortgages. These are mortgages whereby : If I have a mortgage of 50 K and savings of 50 K the savings offsets the interest on the remaining mortgage value. So in the above ....

Subjects: Islamic jurisprudence; Subprime mortgage; Usury

Question: A customer of an Islamic bank wants to construct a school building for which he has requested the Islamic bank for finance. The land whereupon the building will be constructed is not owned by the customer but taken by him ....

By: Sasaki, Yasuo; Yao, Jen-Chih. Advances in Decision Sciences. No. 2014 (2014), pp.1-7, 7 p.

Question: I am a teacher in a secondary and one thing that is offered to all teachers is the teacher pension scheme. Such a scheme or any pension scheme deemed as Halal, would it be better to opt-out of such schemes ....

Subjects: Employers; Islamic jurisprudence; Pensions

Question: An Islamic bank had issued a letter of credit, for a customer applied for the same. Since the customer could not manage the availability of the fund in its account when the documents under LC were negotiated and payment became ....

Question: The government backed start up loans company is offering a shariah compliant loan to customers wanting a Halal alternative. The Shariah compliant loan is being arranged by the financing Sharia enterprise and from their website it appears they are using the Mudaraba system. Is this acceptable according to shariah ?.

Subjects: Financing; Islamic jurisprudence; Loans; Speculation

Question: In view of repeated requests from various customers, an Islamic bank has sought Shariah guidance in order to assess whether it can introduce an overdraft facility to its valued customers for certain required periods against an agreed fee.Under such a ....

By: Ait Mehdi, Meriem; Chergui, Mohamed El-Amine; Peiris, Shelton…[et al.]. Advances in Decision Sciences. No. 2014 (2014), pp.1-7, 7 p.

By: Kondoh, Kenji; Davila, Alberto. International Journal of Population Research. No. 2014 (2014), pp.1-8, 8 p.

By: al-Ahmad, Fahd Abd al-Rahman A.. Alandalus Journal for Humanities and Social Sciences. Vol. 1, no. 3 (Jun. 2014), pp.5-32, 28 p.

Subjects: Business enterprises; Kuwait; Financing

Jordan in Figures. Jordan.; Department of Statistics No. 16 (Jun. 2014), pp.12-12, 1 p.

Subjects: Jordan; Statistics; Employment

Jordan in Figures. Jordan.; Department of Statistics No. 16 (Jun. 2014), pp.11-11, 1 p.

Subjects: Jordan; Statistics; Employment

Jordan in Figures. Jordan.; Department of Statistics No. 16 (Jun. 2014), pp.10-10, 1 p.

Subjects: Jordan; Statistics; Unemployment