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Mengapa Kewangan Islam?

Islamic Finance - Why It Makes Sense

Matlamat kewangan Islam adalah memastikan setiap transaksi kewangan patuh Syariah. Daud Vicary Abdullah dan Keon Chee dalam buku Islamic Finance Why It Makes Sense menggariskan 5 prinsip yang mesti diikuti bagi mencapai matlamat itu:

  1. percaya syariat Islam;
  2. tinggalkan riba (interest);
  3. jauhi pelaburan yang haram;
  4. menggalakkan perkongsian risiko;
  5. pembiayaan berasaskan aset sebenar.

Mohon mendaftar untuk mendapatkan informasi percuma mengenai fiqah muamalat dan hal ehwal kewangan Islam semasa:

Q & A on the Real Deal

Fiqh of transaction is one of the topics in Islamic jurisprudence. Learning fiqh of transaction is exciting. It teaches us on how to make a ‘real deal’ with people in daily life activities such as buying, selling, leasing, sharing etc.

Umar Ibn al-Khattab (may Allah be pleased with him) said:
“No one should sell in our markets except one who has understanding in the religion.” [Al-Tirmidhi]

If you have any questions related to fiqh of transactions, please let me know by sending your private message or leaving your comment here.

Jazakumullahu khayra.

1 comment

Available at: http://alnaqiy.com/home/article/conventional-credit-card/


Can I keep my conventional credit card for emergency or specific uses but pay all money owed within the stipulated deadline such that I don’t incur interests? What about the service fee that I remain paying for maintaining the card? If I understood correctly, paying service fee is fine as long as it is a flat charge, as this is a fee that is paid for the services rendered to me. But, some friends have said that it is not permissible. I do also have an Islamic card which is the main card I use. But the providing bank of the conventional card is much more recognised, efficient and most importantly reliable, hence my plan to keep it for specific or emergency uses especially since I travel quite a bit for work. Appreciate your advice. [click to continue…]




Di masa gawat,

Hati-hati dengan iklan buat duit cepat,

Tambah ilmu kewangan supaya tidak terjerat,

Mudah-mudahan selamat, dunia akhirat.



Available at: http://alnaqiy.com/home/article/what-to-do-with-the-return-from-the-conventional-insurance/


I recently terminated my conventional insurance policies, which I have had since my teenage years, not too long ago. From those policies, I received cash bonus and the surrender value of my policy. The latter, as how I know it, is my principal money there. In fact, I received less than the premium paid.

With regard to the cash bonus, since this is riba-based, I am thinking of giving them away, as the money is haram for me but not to others. Is this permissible?

The bigger question I have is, can I give to my immediate family members who are financially struggling or who would benefit from extra financial support to manage their businesses? If I am to give away, I would like to help my family first, then give the rest to others in need. Or can I give the money so that that family member can go for Hajj? I take some comfort that the funds they are about to receive from me is not haram for them, but perhaps you can share some guidance on how best to manage this situation, that is permissible in our Shari’ah. [click to continue…]


Available at: http://alnaqiy.com/home/article/islamic-legal-maxims-in-financial-transactions/

Legal maxims of Islamic jurisprudence, known as ‘al-Qawaid al-Fiqhiyyah’ are developed to facilitate a better understanding of Islamic jurisprudence.

These Islamic legal maxims are statements of principle that are extracted from the thorough reading of the rules of Islamic jurisprudence on multiple themes. These inclusive written descriptions empower the jurists to reduce them into theoretical statement of principles at a later stage of development.

The most comprehensive and universally based of all maxims are known as ‘al-qawaid al-fiqhiyyah al-asliyah’ (the normative legal maxims), and they apply to the entire range of Islamic jurisprudence without any specifications, whereas others might apply to a particular area of Islamic jurisprudence; such as religious matters, contracts, civil transactions, law suits and court proceedings. [click to continue…]