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Hassan, Husayn Hamid
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Islamic Finance News Kuala Lumpur, Malaysia :
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Fatawa
A Company Issues Sukuk Mudarabah Utilizing Funds From Investors on a continuing basis
Question: A company issues Sukuk Mudarabah utilizing funds from investors on a continuing basis. Funds are invested in Shariah compliant activities and the profit is distributed annually between the company and Sukukholders as per the agreed ratio. The company also undertakes ....
Fatawa
A customer has sought a financing facility from an Islamic bank in order to procure a running commercial property from a third-party seller
Question: A customer has sought a financing facility from an Islamic bank in order to procure a running commercial property from a third-party seller. Since the commercial property may have various types of businesses, Shariah guidance is required on how to ....
Fatawa
A corporate entity, which is a customer of an Islamic bank, had deposited an amount in a term deposit account for a period of three years on the basis of Mudarabah
Question: A corporate entity, which is a customer of an Islamic bank, had deposited an amount in a term deposit account for a period of three years on the basis of Mudarabah. However, upon completion of one year it has decided ....
Fatawa
An Islamic bank has a standard auto finance product for its customers. The product is based on the Murabahah structure under which the Islamic bank purchases the vehicle from the dealer and sells it to the customer on its cost
Question: An Islamic bank has a standard auto finance product for its customers. The product is based on the Murabahah structure under which the Islamic bank purchases the vehicle from the dealer and sells it to the customer on its cost ....
Fatawa
An Islamic bank has approved a Mudarabah facility for a customer whereby the customer will receive Mudarabah capital from the bank for investment in shariah compliant business activities
Question: An Islamic bank has approved a Mudarabah facility for a customer whereby the customer will receive Mudarabah capital from the bank for investment in Shariah compliant business activities and the realized profit shall be distributed between the Islamic bank and ....
Fatawa
A customer of an Islamic bank is a company engaged in import and supply of food and grocery items to the big outlets supermarkets all over the country
Question: A customer of an Islamic bank is a company engaged in import and supply of food and grocery items to the big outlets / supermarkets all over the country. The standard Murabahah financing structure to finance the procurement of the ....
Fatawa
A financing facility has been approved for a customer, whereby it was allowed to utilize the facility through multiple Murabahah transactions under the facility limit during the facility period
Question: An Islamic bank has raised the following query.A financing facility has been approved for a customer, whereby it was allowed to utilize the facility through multiple Murabahah transactions under the facility limit during the facility period.Under each Murabahah transaction, the ....
Fatawa
Sometimes the Islamic bank receives request from some of its customers to include in Murabahah financing some components other than the cost of the goods, such as shipping charges, import duty, inspection charges, etc.
Question: An Islamic bank has raised the following query.Sometimes the Islamic bank receives requests from some of its customers to include in Murabahah financing some components other than the cost of the goods, such as shipping charges, import duty, inspection charges, ....
Fatawa
Shariah guidance is sought if the Islamic bank is allowed to charge a fee in case of issuance of a letter of credit (LC), whether the goods under the LC are to be financed by the Islamic bank or the customer shall pay cash for them
Question: Shariah guidance is sought if the Islamic bank is allowed to charge a fee in case of issuance of a letter of credit (LC), whether the goods under the LC are to be financed by the Islamic bank or the customer shall pay cash for them..
Fatawa
As part of banking services, an Islamic bank offers issuance of various types of letters of guarantee against a fee
Question: As part of banking services, an Islamic bank offers issuance of various types of letters of guarantee against a fee. Such letters of guarantee are issued based on a request from the bank’s customer.The letter of guarantee has a validity ....
Fatawa
An Islamic bank has in its array of retail products, auto financing for its individual customers
Question: An Islamic bank has in its array of retail products, auto financing for its individual customers.The product is based on the Murabahah structure whereby the bank, based on the ‘promise to purchase’ from its customer, purchases the vehicle from the ....
Fatawa
An Islamic bank has planned to launch a draw scheme for all of its current customers availing financing facilities from the bank Hussain Hamed Hassan.
Question: An Islamic bank has planned to launch a draw scheme for all of its current customers availing financing facilities from the bank. The subject matter of the draw will be 24-carat gold coins of a certain weight. The bank will ....
Fatawa
An Islamic bank’s management has approved a financing facility to its customer (a trading company) subject to the company providing acceptable security
Question: The following query has been raised in order to get Shariah guidance.An Islamic bank’s management has approved a financing facility to its customer (a trading company) subject to the company providing acceptable security. The purpose of the facility is to ....
Fatawa
Can an Islamic bank obtain cash deposit as security for a customer’s financial obligation towards the bank under various financing facilities extended by the bank to the customer ?
Question: The following query has been raised in order to get shariah guidance.Can an Islamic bank obtain cash deposit as security for a customer’s financial obligation towards the bank under various financing facilities extended by the bank to the customer ?.
Fatawa
An Islamic bank has launched a product based on Salam in order to provide cash finance for its retail and corporate customers
Question: An Islamic bank has launched a product based on Salam in order to provide cash finance for its retail and corporate customers.As per the product structure, the customer will sell to the Islamic bank a certain quantity of a described ....
Fatawa
Recipe for Successan Islamic bank has launched a product based on Salam in order to provide cash finance for its retail and corporate customers
Question: An Islamic bank has launched a product based on Salam in order to provide cash finance for its retail and corporate customers.As per the product structure, the customer will sell to the Islamic bank a certain quantity of a described ....
Fatawa
Islamic bank a and Islamic bank b had extended a club financing facility to an airline (the customer)
Question: Islamic bank a and Islamic bank b had extended a club financing facility to an airline (the customer). The financing was under the Murabahah structure, as the banks had purchased an aircraft from the manufacturer company and sold it to ....
Fatawa
A customer of an Islamic bank is a main contractor of a big development project. It has decided to hire a subcontractor for land leveling and grading
Question: A customer of an Islamic bank is a main contractor of a big development project. It has decided to hire a subcontractor for land leveling and grading.Since the payments under the agreement with the subcontractor were proposed to be made ....
Fatawa
A customer has approached an Islamic bank for financing of renovation of its chain of outlets
Question: A customer has approached an Islamic bank for financing of renovation of its chain of outlets. The scope of work includes renovation of interiors, fit out, furniture and lighting, etc.Shariah guidance has been sought in order to find a suitable Shariah compliant structure to finance the renovation..
Fatawa
In order to finance purchase of goods under letters of credit (LC), an Islamic bank adopts a Murabahah structure with the following modus operandi
Question: In order to finance purchase of goods under letters of credit (LC), an Islamic bank adopts a Murabahah structure with the following modus operandi :The customer submits the LC request along with a promise to purchase from the bank through ....
Fatawa
The following query has been raised in relation to the Murabahah financing of usance letters of credit (usance LCs)
Question: The following query has been raised in relation to the Murabahah financing of usance letters of credit (usance LCs).It is easier to conclude the Murabahah contract if the currency of the lc and Murabahah are the same, such as usance ....
Fatawa
A service agreement is to be signed between an Islamic bank and a service provider company
Question: A service agreement is to be signed between an Islamic bank and a service provider company.The service to be rendered is the collection and deposit of cash on a daily basis from and to different branch locations, as per the ....
Fatawa
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
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 ....
Fatawa
An Islamic bank has launched a product in order to finance various types of Shariah compliant business activities
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 ....
Fatawa
An Islamic bank has been using an Istisnah and parallel Istisnah structure to finance the construction of residential as well as commercial buildings
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 ....
Fatawa
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
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 ....
Fatawa
Two foreign currency exchange transactions were executed between two Islamic banks located in two different countries
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 ....
Fatawa
While preparing a manual for vehicle financing through a Murabahah structure, an Islamic bank wanted to adopt a provision of security deposit
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 ....
Fatawa
An Islamic insurance (Takaful) company has raised the following query seeking Shariah guidance
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 ....
Fatawa
An Islamic brokerage company has raised the following query seeking Shariah guidance
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 ....
Fatawa
An ISLAMIC bank (as Rab-Ul-Maal) extended a Mudarabah facility to a customer (as Mudarib) for investment in his trade business
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 ....
Fatawa
During the recent economic crisis, an Islamic bank faced a number of defaults in financial commitments by its clients
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 ....
Fatawa
An Islamic bank is preparing to launch home finance product for its customers
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 ....
Fatawa
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: 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 ?.
Fatawa
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
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 ....
Fatawa
An Islamic bank has issued a Murabahah-based documentary letter of credit (LC)
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 ....
Fatawa
An Islamic bank is planning to launch a retail product to fulfill the personal finance needs of its customers
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 ....
Fatawa
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: 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..
Fatawa
A customer previously obtained an Ijarah facility (financial lease) from an Islamic bank in order to procure a building
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 ....
Fatawa
A customer previously obtained an Ijarah facility (financial lease) from an Islamic bank in order to procure a building
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 ....
Fatawa
An Islamic bank intends to offer financing at preferential profit rates to its staff to help them purchase vehicles
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 ?.
Fatawa
A customer of an Islamic bank wants to construct a school building for which he has requested the Islamic bank for finance
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 ....
Fatawa
An Islamic bank had issued a letter of credit, for a customer applied for the same
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 ....
Fatawa
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
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 ....
Fatawa
An Islamic bank has approved a Mudarabah facility for a customer based on which the Islamic bank will provide funds
Question: An Islamic bank has approved a Mudarabah facility for a customer based on which the Islamic bank will provide funds (i.e. the Mudarabah Capital) to the customer. The Mudarabah capital will be utilized by the customer to undertake its business ....
Fatawa
A company has sought financing from an Islamic bank
Question: A company has sought financing from an Islamic bank. As stated by the company, the utilization is required for two purposes : To meet with working capital requirements, such as procurement of new IT system and other infrastructure-related expenditure besides ....
Fatawa
Conventional banks are able to meet the requirement of customers to convert their non-funded facility into a funded facility by entering into the relevant arrangements at the relevant point of time
Question: Conventional banks are able to meet the requirement of customers to convert their non-funded facility into a funded facility by entering into the relevant arrangements at the relevant point of time. This may be demonstrated by an example as follows ....
Fatawa
An Islamic bank’s customer has recently been awarded facilities in relation to a large developmental project the customer has won in a tender
Question: An Islamic bank’s customer has recently been awarded facilities in relation to a large developmental project the customer has won in a tender. The facilities include letters of credit (LCs) and letters of guarantee (LGs).In view of the large size ....
Fatawa
Company a has approached an Islamic bank seeking finance to import steel and other building materials from various suppliers
Question: Company A has approached an Islamic bank seeking finance to import steel and other building materials from various suppliers. It has been noticed that the company A is holding 25 % of the shares of company B. Company A is ....
Fatawa
The government of a country has announced a social welfare scheme under which an interest-free loan is provided to nationals who wish to avail themselves of the scheme, in order to construct villas for their own residential purposes only
Question: The government of a country has announced a social welfare scheme under which an interest-free loan is provided to nationals who wish to avail themselves of the scheme, in order to construct villas for their own residential purposes only.An Islamic ....
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