1. COMPLIENCE TO THE SCHEME
OF SHARIAH LAWS
Aqidah, Shariah, Akhlaq
Ibadat And Muamalat

2. ISLAM
AQIDAH
(Faith And
Belief)
SHARIAH
(Practises And
Activities)
Ibadat
(Man-to-god
Worship)
Muamalat
(Man-to-man
Activities)
Political
Activities
Economic
Activities
Banking And
Financial
Activities
Social Activities
AKHLAK
(Moralities And
Ethics)

3. The basis and origin of islamic banking is
shariah (islamic law/jurispurudence)
Islam=salima (obidience, submission,
safety and peace
= a system of religious belief and an all
encompassing way of life
= total submission of one’s self to Allah swt
The teaching of islam comprises the
essence of economic wll beingand
development of the Muslims at the
individual, family, society, state and ummah
levels.
As shown in figure before, islam consist of
3 basic foundations (aqidah, shariah,
akhlaq).
Aqidah = concerns all form of faith and
belief in Allah
Shariah = all forms of practical actions by a
Muslim manifesting his faith and belief
Akhlaq = behaviour, attitude and work
ethics
Shariah rules can be divided into DO (order
to undertake any act) and DON’T
(prohibition from some act)
In the islamic guideline of life and shariah
framework, a Muslim’s banking and
financial activities can be traced to his
economic activities, to Muamalat, to
Shariah, to Islam and finally to Allah swt.
This is the fundamental of islamic anking
and finance.

4. AQIDAH
(Arabic: ‫عقيدة‬ ,ʿ Aqīdah, plural Arabic: ‫عقائد‬ ,ʿ aqāʾid).
Literally, the word ‘aqidah is derived from the triconsonantal root ‘aqd (‘aqada)
which mean “to tie” or “to knot”
Technically, ‘aqidah mean a strong belief in the heart.
Muslim scholars = a firm creed that one’s heart is fixed without any wavering or
doubt.
Six pillars of iman:
Belief In Allah
Belief In The
Malai’ka
Belief In The
Books (Al-kitab)
Belief In All The
Messengers
Belief In The Day
Of The Judgement
Belief In Qada’
And Qadar
Tawheed = divided
into three
Tawheed
rububiyah
Tawheed
uluhiyyah
Tawheed asma’
wa al-sifat

5. Definitions
(Arabic: ‫شريعة‬ )
"legislation@qānūn ʾIslāmī)
Literally = direction to be
followed
Technically = the sanctions or law
provided by Allah SWT to guide
mankind with proper direction
In general = the moral code and
religious law of islam
Shariah deal with many topics adressed
by the secular law
including crime, politics, and economics,
as well as personal matters such
as hygiene, diet, prayer, and fasting.
Sources
Al-Quran
Al-Sunnah
Al-Ijtihad
=> Ijma’
=> Qiyas
Divisions
Ibadah
Muamalat
Munakahat
Jinayat
SHARIAH

6. AKHLAQ
DEFINITIONS
Arabic: ‫أخالق‬
Literally = customs,
behavior, attitude or
character
Technically = implies
behaviour, attitude or
haracter which is based
on al-Quran an al-Sunnah
Imam Ghazali =
established state of the
nafs (soul) from which
theaction proceeds easily
without any deliberation
TYPES
Akhlaq mahmudah
Honest
Kind
Generous
Forgiveness
Trustworthy
Gratitude
Etc
Akhlaq mazmumah
Backbitting
Arrogant
Cruel
Ujub
Riya’
Slander
Etc
Good
soul
Bad
action
Bad
akhlaq
Evil
soul
Good
action
Bad
akhlaq
Good
soul
Good
action
Good
akhlaq

7. RELATIONSHIP BETWEEN AQIDAH,
SHARIAH AND AKHLAQ
AQIDAH
AKHLAQSHARIAH
 AQIDAH
 Aqidah is the essence of islamic teaching in
which shariah and akhlaq are meaningless
without it
 Aqidah represents the soul of the body,
without soul body is not well functioned
 Aqidah concerns with the matter of belief
that needs to be manifested
 SHARIAH
 Shariah is also important, without it aqidah
and akhlaq are useless
 It is a practical side or manifestation of aqidah
 It governs the physical activities and human
dealing with the others
 It proves andstrenghtens aqidah
 AKHLAQ
 Akhlaq is also important, without it aqidah
and shariah are useless
 It is a pratical side or manifestation of aqidah
 It governs the spiritual and physical activities
that are not governed by the shariah
(jealousy, anger, manners of eating etc)
 It also proves and strenghens aqidah
 It completes shariah

8. Ibadah Muamalat
Refers to laws relating to human
mutual dealings or bilateral
contract between 2 parties or more
Buying and selling
Rental
Lending
Management etc
There rules that must be obeyed
for the benefit of contracted
parties
Refers to the rules and procedures
of performing worship
Two types =
1)Specific ibadah
2) General ibadah
Specific ibadah= prayer, fasting,
zakah etc
General ibadah = all human daily
activities
SHARIAH