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Fatawa
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Hassan, Husayn Hamid
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Islamic Finance News Kuala Lumpur, Malaysia :
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Fatawa
An Islamic bank wishes to provide financing to one of its customers, in order to purchase a ready property from a developer
Question: An Islamic bank wishes to provide financing to one of its customers, in order to purchase a ready property from a developer. No sale and purchase agreement has been signed between the customer and the developer and only the booking ....
Fatawa
A company involved in the trade of gold and diamonds has approached an Islamic bank seeking a financing facility
Question: A company involved in the trade of gold and diamonds has approached an Islamic bank seeking a financing facility.The financing facility may include the following :Financing the procurement of gold, silver, diamonds and other precious stones from the suppliers for ....
Fatawa
Ali has approached an Islamic bank with a request to assist him to buy out the shares of his minority partner Akram in a running foodstuff business
Question: Ali has approached an Islamic bank with a request to assist him to buy out the shares of his minority partner Akram in a running foodstuff business. He cannot meet with the demand of Akram for full down payment for ....
Fatawa
A leasing company provides financing to small and medium-sized businesses wishing to acquire commercial vehicles, machinery and equipment
Question: A leasing company provides financing to small and medium-sized businesses wishing to acquire commercial vehicles, machinery and equipment. The company has approached an Islamic bank seeking a funding line to be able to finance its customers as and when required ....
Fatawa
A customer of an Islamic bank had obtained financing through a number of Murabahahs
Question: A customer of an Islamic bank had obtained financing through a number of Murabahahs. Each Murabahah contract was executed at different time, and had its own schedule of payment which was different from the others.With the intention of managing some ....
Fatawa
Is it permissible for an Islamic bank to issue preferred shares or to invest in a company having preferred shares ?
Question: Is it permissible for an Islamic bank to issue preferred shares or to invest in a company having preferred shares ?.
Fatawa
An Islamic bank issued a letter of credit (LC) with a usance period of 90 days, with financing through a Murabahah facility for another 90 days
Question: An Islamic bank issued a letter of credit (LC) with a usance period of 90 days, with financing through a Murabahah facility for another 90 days. Upon receiving the shipping documents, the bank signed the Murabahah agreement with the customer ....
Fatawa
A customer was granted a Salam finance facility by an Islamic bank. In order to guarantee the obligations under the Salam facility, the customer provided post-dated Cheques as security in favor of the Islamic bank
Question: A customer was granted a Salam finance facility by an Islamic bank. In order to guarantee the obligations under the Salam facility, the customer provided post-dated cheques as security in favor of the Islamic bank.Shariah guidance is sought as to ....
Fatawa
A trader was appointed by an Islamic bank as an agent to purchase certain goods on behalf of the bank from the local market, with a promise to subsequently buy the same from the bank on deferred Murabahah basis
Question: A trader was appointed by an Islamic bank as an agent to purchase certain goods on behalf of the bank from the local market, with a promise to subsequently buy the same from the bank on deferred Murabahah basis. The ....
Fatawa
A customer has approached an Islamic bank seeking a financing facility in order to make a balance payment to the supplier for the goods it has already purchased, by providing 20 % of the amount as a down-payment
Question: A customer has approached an Islamic bank seeking a financing facility in order to make a balance payment to the supplier for the goods it has already purchased, by providing 20 % of the amount as a down-payment.The customer is ....
Fatawa
A Shariah compliant fund manager (the investor) intends to purchase listed shares of a company for investment purposes
Question: A Shariah compliant fund manager (the investor) intends to purchase listed shares of a company for investment purposes. The investor requires guidance from its Shariah Board with respect to the applicable criteria to determine the Shariah compliant companies and tradability of shares of such companies..
Fatawa
A commercial tower contains a large number of shops occupied by different tenants. A customer has approached an Islamic bank requesting finance to procure the same, with the intention of continuing with the existing tenants
Question: A commercial tower contains a large number of shops occupied by different tenants. A customer has approached an Islamic bank requesting finance to procure the same, with the intention of continuing with the existing tenants..
Fatawa
A customer was extended a letter of credit (LC) and Murabahah facility for the underlying goods by an Islamic bank
Question: A customer was extended a letter of credit (LC) and Murabahah facility for the underlying goods by an Islamic bank. The relevant goods arrived at the port prior to the receipt of shipping documents by the bank.In order to avoid ....
Fatawa
An Islamic bank is facing an interesting situation. A customer previously requested financing for the purchase of a vehicle from the bank
Question: An Islamic bank is facing an interesting situation. A customer previously requested financing for the purchase of a vehicle from the bank. The bank had purchased the vehicle from a dealer and sold it to the customer by way of ....
Fatawa
Company A approached an Islamic bank seeking a regular funding line to purchase from time to time certain quantities of raw material from company B, which is the sole distributor in the country for the import and supply of the required raw material
Question: Company A approached an Islamic bank seeking a regular funding line to purchase from time to time certain quantities of raw material from company B, which is the sole distributor in the country for the import and supply of the ....
Fatawa
The bank approached the Shariah board to know if it is allowed for the customer to withdraw the amount from the term deposit account before maturity, and in this case what will be its treatment in respect of the original deposit amount and the profit
Question: A customer who had deposited a certain amount for one year in a term deposit account maintained with an Islamic bank, has requested for an early withdrawal of the total amount deposited along with the realized profit.The bank approached the ....
Fatawa
A benefit book has been proposed to be offered by an Islamic bank to all of its accountholders
Question: A benefit book has been proposed to be offered by an Islamic bank to all of its accountholders. The book contains a bulk of coupons for various retail outlets (including eateries) offering ‘buy one get one free’ type discounts.The scheme ....
Fatawa
An Islamic bank has sought guidance from its shariah board on the modus operandi to finance its client’s export orders
Question: An Islamic bank has sought guidance from its Shariah board on the modus operandi to finance its client’s export orders. It is important to note that for commercial reasons the exports are carried out in the customer’s name, in order ....
Fatawa
A customer engaged in the trading of petroleum products has approached an Islamic bank seeking finance to procure oil
Question: A customer engaged in the trading of petroleum products has approached an Islamic bank seeking finance to procure oil. The Islamic bank is considering financing the customer through a Murabahah structure.It is important to note that the modality of procuring ....
Fatawa
An Islamic bank has approved for its customer the financing facility for a commercial property on an Islamic financial lease (Ijarah Muntahiya Bittamlik) basis for a period of seven years
Question: An Islamic bank has approved for its customer the financing facility for a commercial property on an Islamic financial lease (Ijarah Muntahiya Bittamlik) basis for a period of seven years. Since the customer expects an increase in the property value ....
Fatawa
Under what conditions can a customer of an Islamic bank be authorized to participate in the periodical auctions for heavy vehicles and equipment for which the customer will also require financing ?
Question: Under what conditions can a customer of an Islamic bank be authorized to participate in the periodical auctions for heavy vehicles and equipment for which the customer will also require financing ?.
Fatawa
The trade finance department of an Islamic bank is facing an unusual situation in an already executed Murabahah transaction with one of its customers
Question: The trade finance department of an Islamic bank is facing an unusual situation in an already executed Murabahah transaction with one of its customers.The background of the transaction is that the customer approached the Islamic bank requesting for a Murabahah ....
Fatawa
An account holder has approached an Islamic bank seeking finance to settle the debt he has incurred as a result of purchasing a plot of land
Question: An account holder has approached an Islamic bank seeking finance to settle the debt he has incurred as a result of purchasing a plot of land. He had entered into a purchase agreement with the erstwhile owner of the property ....
Fatawa
A customer has approached an Islamic bank, seeking to transfer his interest-based loan from a conventional bank to an Islamic bank with the desire to shun Riba (interest)
Question: A customer has approached an Islamic bank, seeking to transfer his interest-based loan from a conventional bank to an Islamic bank with the desire to shun Riba (interest). The customer had borrowed the amount from conventional bank to acquire a ....
Fatawa
A customer has approached an Islamic bank, seeking finance in order to fulfill the working capital requirements of his business entity
Question: A customer has approached an Islamic bank, seeking finance in order to fulfill the working capital requirements of his business entity. The bank has requested for Shariah guidance on how to provide the customer with working capital finance..
Fatawa
An Islamic bank has issued a letter of credit which had a usance period of 90 days. The bank also agreed with the customer to finance the import under the letter of credit through Murabahah for a further 90 days
Question: An Islamic bank has issued a letter of credit which had a usance period of 90 days. The bank also agreed with the customer to finance the import under the letter of credit through Murabahah for a further 90 days ....
Fatawa
The father of a student has approached an Islamic bank seeking finance for his son’s education fees in order to complete a master’s degree in his chosen subject
Question: The father of a student has approached an Islamic bank seeking finance for his son’s education fees in order to complete a Master’s degree in his chosen subject.The student has been selected by the university based on good grades and ....
Fatawa
An Islamic bank as a buyer has signed an Istisnah agreement with a customer as a seller, whereby the customer has to arrange for the construction and delivery of a building to the bank
Question: An Islamic bank as a buyer has signed an Istisnah agreement with a customer as a seller, whereby the customer has to arrange for the construction and delivery of a building to the bank.Both parties have also signed a forward ....
Fatawa
A reputable rent-a-car company engaged in leasing vehicles to corporate clients has approached an Islamic bank seeking financing for the purpose of procuring new vehicles from the local market and overseas
Question: A reputable rent-a-car company engaged in leasing vehicles to corporate clients has approached an Islamic bank seeking financing for the purpose of procuring new vehicles from the local market and overseas. Although financing is sought for four years, the customer ....
Fatawa
An Islamic bank has signed an Istisnah agreement with its customer for sale of a property (to be developed) whereby the bank is the seller and the customer is the purchaser
Question: An Islamic bank has signed an Istisnah agreement with its customer for sale of a property (to be developed) whereby the bank is the seller and the customer is the purchaser.As per the agreement, the bank will deliver the property ....
Fatawa
A customer has approached an Islamic bank seeking finance to purchase a property which is mortgaged to a conventional bank against conventional loan payable by the owner of the property
Question: A customer has approached an Islamic bank seeking finance to purchase a property which is mortgaged to a conventional bank against conventional loan payable by the owner of the property.Shariah guidance is sought on how the Islamic bank can finance the purchase of the mortgaged property for its customer..
Fatawa
A developer has initiated a project of freehold property construction, which is supposed to be sold to end buyers after completion
Question: A developer has initiated a project of freehold property construction, which is supposed to be sold to end buyers after completion.The developer seeks finance from an Islamic bank to meet the costs of completion of the remaining phases of the ....
Fatawa
An Islamic bank has been approached by a customer seeking import finance through letter of credit
Question: An Islamic bank has been approached by a customer seeking import finance through letter of credit.Generally, Islamic banks purchase goods from a supplier and sell the goods to the customer by way of Murabahah. Shipping documents including a commercial invoice ....
Fatawa
A newly established Islamic bank would like to launch a credit card product based on Qard Hasan (an interest-free loan)
Question: A newly established Islamic bank would like to launch a credit card product based on Qard Hasan (an interest-free loan). The bank is proposing to charge a fixed monthly fee for different categories of credit cards which shall be dependent ....
Fatawa
An Islamic bank has been approached by a customer with a request for financing through a structure whereby the bank shall purchase a number of villas owned by the customer and lease them to the customer by way of Ijarah Muntahiya Bittamlik
Question: An Islamic bank has been approached by a customer with a request for financing through a structure whereby the bank shall purchase a number of villas owned by the customer and lease them to the customer by way of Ijarah ....
Fatawa
An Islamic bank wishes to provide financing of US $ 25 million to the customer for its medium to long-term working capital requirement for up to five years
Question: An Islamic bank wishes to provide financing of US $ 25 million to the customer for its medium to long-term working capital requirement for up to five years. The amount will be invested by the customer in its trading and ....
Fatawa
An Islamic bank has a charity fund which is comprised of Zakat (obligatory charity) from the bank’s shareholders (at 2.5 % per year), expunged income (income earned by the bank in certain transactions
Question: An Islamic bank has a charity fund which is comprised of Zakat (obligatory charity) from the bank’s shareholders (at 2.5 % per year), expunged income (income earned by the bank in certain transactions which were declared non-Shariah compliant by the ....
Fatawa
The customer was provided with an Ijarah facility by the Islamic bank on financial lease basis with bullet payment at the end of the lease term
Question: The customer was provided with an Ijarah facility by the Islamic bank on financial lease basis with bullet payment at the end of the lease term. The lease term is coming to an end and the customer is unable to ....
Fatawa
The majority shareholder (holding 70 % of the shares) of a company wants to buy out the minority shareholder (holding the other 30 %) and is looking for finance from the Islamic bank
Question: The majority shareholder (holding 70 % of the shares) of a company wants to buy out the minority shareholder (holding the other 30 %) and is looking for finance from the Islamic bank. The bank is required to finance the ....
Fatawa
The Islamic bank has been approached by a client to establish a letter of credit (LC) for the import of goods from another country with a request to finance the import under a Murabahah facility
Question: The Islamic bank has been approached by a client to establish a letter of credit (LC) for the import of goods from another country with a request to finance the import under a Murabahah facility. The LC shall have the ....
Fatawa
As part of its routine business, an Islamic bank enters into a financial lease arrangement with its customers for a ready as well as an under-construction property
Question: As part of its routine business, an Islamic bank enters into a financial lease arrangement with its customers for a ready as well as an under-construction property.Being the owner of the property, how should the Islamic bank differentiate between the ....
Fatawa
This query is related to transfer of ownership to the bank before the bank finances a fleet of cars for its customer (a car dealer) under a Murabahah contract
Question: This query is related to transfer of ownership to the bank before the bank finances a fleet of cars for its customer (a car dealer) under a Murabahah contract. The question is whether the formal registration of cars purchased by ....
Fatawa
Mr Z is the owner of 80 % of a real estate property, along with Mr Y who owns 20 % of the same property. Mr Z is willing to acquire the full share of Mr Y and become the 100 % owner of the property
Question: Mr Z is the owner of 80 % of a real estate property, along with Mr Y who owns 20 % of the same property. Mr Z is willing to acquire the full share of Mr Y and become the ....
Fatawa
An Islamic bank’s customer has asked it to extend Murabahah financing for the purchase of a boat, which will be completed and delivered by the manufacturer after a year
Question: An Islamic bank’s customer has asked it to extend Murabahah financing for the purchase of a boat, which will be completed and delivered by the manufacturer after a year. The customer will pay half of the 20 % down payment ....
Fatawa
Can an Islamic bank also adopt this practice and deduct advance installments from its customers out of their leave salary amounts, which will substantially curtail the past-due amounts for the Islamic bank ?
Question: Employers pay their staff advance salaries through their respective bank accounts for the leave period when they go on vacation. The employees generally withdraw the full amount without leaving enough balance to cover the installments for the finance they have ....
Fatawa
Can an Islamic bank add confirmation to an irrevocable letter of credit (LC) covering the shipment of bullion (gold) ?
Question: Can an Islamic bank add confirmation to an irrevocable letter of credit (LC) covering the shipment of bullion (gold) ?.
Fatawa
[Islamic bank accept conventional bank deposit, bonds, debentures, shares and any other conventional instruments as security for due performance by the customer under a Murabahah or any other Islamic financing facility]
Question: Can an Islamic bank accept conventional bank deposit, bonds, debentures, shares and any other conventional instruments as security for due performance by the customer under a Murabahah or any other Islamic financing facility ?.
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