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Abridgment of the book of            ī                 ī     ā ī‘An Introduction to Islamic Finance’      SHARĪ‘AH BASIS O...
Abridgment of the book of              ī             ī     ā ī                  titled‘An introduction to Islamic finance’...
Copyrights: 2010 © Shafiq ur Ra man;No rights reserved for this book subject to the condition that theorder or substance o...
ā    ā                    ā                        ā                ā    ā    ā                ā            āāā        ā  ...
ī             ī                                ī           ā ī      ā                           ā‫اساليی بیُکاری کی بُیادی...
ā                        ī   ī       ā ī                                      ā        āī   ī       ā ī                   ...
‫‪ā‬‬   ‫‪ī‬‬           ‫‪ā‬‬         ‫اخخالف انعهًاء‬‫رحًۃ‬                                 ‫‪ā‬‬       ‫‪ī‬‬   ‫‪ī‬‬   ‫...
ā
‫‪Ā‬‬                                ‫مشارکۃ‬                      ‫‪ā‬‬       ‫‪ā‬‬                      ‫‪ā‬‬‫شرکّ‬     ...
ā                         ā                 ā   ā       ā ī                                           ā                   ...
‫‪ā‬‬                                ‫رواث‬‫االيثال‬                          ‫‪ā‬‬               ‫رواث انمیى‬            ...
ā        ā            ī‘                 āī
Ā                              ‫مضارب‬                              ‫ه‬                       ā             ā      ‫رب انً...
ā               ā                    ā    ā                               ‫يمیذة‬                                      ‫يط...
āā       ā                                    ā                                             ā            ā                ...
Ā                       Ā                                            āā    ā                               ā              ...
ā        ī        ī                            āā           āā                                ā                    ā      ...
‫‪ā‬‬                   ‫‪ā‬‬                       ‫‪ā‬‬    ‫سیىنت يعُىیت‬                               ‫‘‪ī‬‬         ‫...
ā                ā        ā            īā
ā        ā    ī
Ā    ā                āā            āā
‫‪Ā‬‬    ‫ِ‬    ‫يشارک يخُالض‬           ‫ِ‬‫‪ā‬‬       ‫‪ā‬‬                       ‫‪ā‬‬
āā        ā    ā        ā   ā    ā
‫‪Ā‬‬                                   ‫مرابحو‬                ‫‪ā‬‬                                                     ...
‫يعرفت انثًٍ‬                          ‫شرط فاسذ‬                  ‫بیع انًإجم‬        ‫غیريبهى‬
ā                ā    ā        ā   ā
Āāā               ā                            ā            ā    ā    ā                    ā                        ā
‫‪ā‬‬                    ‫‪ā‬‬  ‫: يرحهتانخىاعذ‬ ‫: يرحهت انخىكیم‬‫: يرحهت انخًهك‬‫: يرحهت ایجاب انًرابحت‬‫: يرحهت لبىل ان...
‫‪ā‬‬‫انخساو انخظذق‬
‫‪Ā‬‬                                     ‫(آنت انًبادنت)‬            ‫(يمظىد انًبادنت)‬                     ‫عذو اعخبار ا...
‫‪ā‬‬                                               ‫‪ā‬‬                                   ‫‪ā‬‬                 ‫‪ā‬‬‫‪ā...
‫‪ā‬‬                                                  ‫‪ā‬‬‫حبرعاث‬                                    ‫‪ā‬‬             ...
‫‪ā‬‬     ‫‪ā‬‬                                        ‫حبرع‬                            ‫‪ā‬‬     ‫‘‪ī‬‬                ‫...
ِ        ٍ‫لرع حس‬          ā                              ā    ī                      ā                          āā      ...
ā                    āā                ā            ā                ā    ā    ā                    ā   ā                āā
āā   ā
‫‪Ā‬‬            ‫‪ā‬‬                                            ‫‪ā‬‬                                                 ‫‪...
ā
‫‪Ā‬‬                         ‫اجاره‬           ‫‪ā‬‬              ‫اجارة األشخاص‬                        ‫اجارِ عهي انىلج...
āā
Ā                āā        ā                        ā                                ā                    āā              ...
‫َفماث‬‫انخًهك‬                 ‫َفماث االَخفاع‬                                   ‫آفج سًاویّ‬             ‫‪ā‬‬         ...
‫‘‪ī‬‬                 ‫‪ā‬‬        ‫انخساو انخظذق‬                     ‫‘‪ī‬‬         ‫‪ā‬‬   ‫حکافم‬                    ...
‫عهذانبیع‬                   ‫عهذانهبت‬                                                  ‫‪ā‬‬       ‫‪ā ī‬‬           ‫‪ā...
‫سلم‬                         ‫سهى‬             ‫اسخظُاع‬   ‫يسهى انیّ‬                                  ‫رب انسهى‬       ...
ī‘     ī                ī     ī   ī             ā    ī              ī           ī
Ā                            ‫استصناع‬                        ā    ā                                                  ā   ...
ā ‫خیار‬                 ā                     ā    āā
Āā        āā            ā                    ā                ā
ā    ī        ī            ī
ā                ī            ā        āā
ā                     ū                 ū    ī‘                   ā             ā             ā         ā                 ...
‫‪ā‬‬                            ‫‪ā‬‬‫‪ā‬‬‫‪ā‬‬            ‫بيع الديه‬        ‫‪ā‬‬                        ‫‪ā‬‬
‫‘‪ī‬‬ ‫وقف‬     ‫بيت المال ‪ā‬‬                   ‫‪ā‬‬
‫‪ā‬‬            ‫خلطۃ الشيوع‬                             ‫‪ā‬‬        ‫‪ā‬‬                      ‫‪ā‬‬                  ...
‫‪ī‬‬               ‫‪ā‬‬           ‫‪ā‬‬                       ‫‘‪ī‬‬           ‫‪ā‬‬                ‫‪ā‬‬   ‫اسخُباط‬   ...
ā            ā                    ā                āā        ā               ā    ā
ā                                        āā                    ā           ā    ā                           ā             ...
āā             ā                  ī‘---*---*---
About Author   Shafiq ur Ra man was born in 1971 in Punjab, Pakistan;   Qualified Shahādatul ‘Alamiyyah Fil ‘Ulūmil Isla...
Shariah basis of the islamic banking products shafiq ur rahman
Shariah basis of the islamic banking products shafiq ur rahman
Shariah basis of the islamic banking products shafiq ur rahman
Shariah basis of the islamic banking products shafiq ur rahman
Shariah basis of the islamic banking products shafiq ur rahman
Shariah basis of the islamic banking products shafiq ur rahman
Shariah basis of the islamic banking products shafiq ur rahman
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Shariah basis of the islamic banking products shafiq ur rahman

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Shariah basis of the islamic banking products shafiq ur rahman

  1. 1. Abridgment of the book of ī ī ā ī‘An Introduction to Islamic Finance’ SHARĪ‘AH BASIS OF THE PRODUCTS OFISLAMIC BANKS
  2. 2. Abridgment of the book of ī ī ā ī titled‘An introduction to Islamic finance’ SHARĪ‘AH BASIS OF THE PRODUCTS OFISLAMIC BANKS
  3. 3. Copyrights: 2010 © Shafiq ur Ra man;No rights reserved for this book subject to the condition that theorder or substance of the contents of the book may not changed.EditionsFirst: Ram ān 1430/September 2009Second: Rabī‘ us Sanī 1431/April 2010, (improvised edition for internet users)Published byShafiq ur Rahman, Karachi,E-mail shafiqurahman@yahoo.com, shafiq1971@hotmail.comCell +92 33 33 07 27 07; +92 3153 072-707PriceLocal: PKR 50Foreign: 01 USD or equivalent‘Sharī‘ah Basis of the Products of Islamic Banks’/Ra man, Shafiq ur (1971)1. Finance-Islamic. 2. Finance-Religious aspects-Islam. 3. Economics-Sharī‘ah Aspects-Islam. 4. Islamic Law.Printed atPNS BAHADUR Printing Press,National Stadium Road, Karachi, Pakistan
  4. 4. ā ā ā ā ā ā ā ā āāā ā ā
  5. 5. ī ī ī ā ī ā ā‫اساليی بیُکاری کی بُیادیں‬ ā ā ā ā ā ā ā ī ī ā ī ī ā ā āĀ ī
  6. 6. ā ī ī ā ī ā āī ī ā ī ā ī‘ ī‘
  7. 7. ‫‪ā‬‬ ‫‪ī‬‬ ‫‪ā‬‬ ‫اخخالف انعهًاء‬‫رحًۃ‬ ‫‪ā‬‬ ‫‪ī‬‬ ‫‪ī‬‬ ‫‪ā ī‬‬ ‫‪ā‬‬
  8. 8. ā
  9. 9. ‫‪Ā‬‬ ‫مشارکۃ‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬‫شرکّ‬ ‫شرکتااليىال‬ ‫(شرکت انًهک)‬ ‫(شرکت انعمذ)‬ ‫(شرکۃ االيىال)‬ ‫(شرکۃ االعًال) ‪ā‬‬ ‫(شرکۃ انخمّم )‬ ‫ب‬ ‫(شرکۃ انظُائع) ‘‪ā‬‬ ‫‪ā‬‬ ‫(شرکۃ االبذاٌ)‬ ‫(شرکت انىجى ِ)‬
  10. 10. ā ā ā ā ā ī ā āū ī ā ā ā ā ū ī ā ā
  11. 11. ‫‪ā‬‬ ‫رواث‬‫االيثال‬ ‫‪ā‬‬ ‫رواث انمیى‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬
  12. 12. ā ā ī‘ āī
  13. 13. Ā ‫مضارب‬ ‫ه‬ ā ā ‫رب انًال‬ ā ‫يضارب‬ ā ā ā ā ā ā ā ā āā ā ā ā āā ā ā ā ā ā ā
  14. 14. ā ā ā ā ‫يمیذة‬ ‫يطهمت‬ ā ā ā āā ā ī ā ā
  15. 15. āā ā ā ā ā ā ā ā ā ā ā ā ī ‫شریك‬ ā ā
  16. 16. Ā Ā āā ā ā ā ā ā ā ā ā ā ā ā ā ā
  17. 17. ā ī ī āā āā ā ā ā ā ā
  18. 18. ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫سیىنت يعُىیت‬ ‫‘‪ī‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬‫‪ī‬‬
  19. 19. ā ā ā īā
  20. 20. ā ā ī
  21. 21. Ā ā āā āā
  22. 22. ‫‪Ā‬‬ ‫ِ‬ ‫يشارک يخُالض‬ ‫ِ‬‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬
  23. 23. āā ā ā ā ā ā
  24. 24. ‫‪Ā‬‬ ‫مرابحو‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫يساويّ‬‫‪ā‬‬ ‫يرابحّ‬ ‫‘‪ī‬‬ ‫وضیعّ‬ ‫حىنیّ‬ ‫‪ā‬‬ ‫يساويّ‬ ‫‪ā‬‬ ‫يرابحّ‬ ‫وضیعّ ‘‪ī‬‬ ‫حىنیّ‬ ‫يىجىد ‪ū‬‬ ‫يًهىک ‪ū‬‬ ‫يمبىع ‪ū‬‬ ‫‪ū‬‬ ‫غیر يشروط‬ ‫يخمىو‬ ‫‪ā‬‬ ‫يحرو االسخعًال‬ ‫يعرفت ‘‪ī‬‬ ‫انًبیع‬ ‫‪ū‬‬ ‫‪ī‬‬ ‫(يمذورانخسهیى‬
  25. 25. ‫يعرفت انثًٍ‬ ‫شرط فاسذ‬ ‫بیع انًإجم‬ ‫غیريبهى‬
  26. 26. ā ā ā ā ā
  27. 27. Āāā ā ā ā ā ā ā ā
  28. 28. ‫‪ā‬‬ ‫‪ā‬‬ ‫: يرحهتانخىاعذ‬ ‫: يرحهت انخىكیم‬‫: يرحهت انخًهك‬‫: يرحهت ایجاب انًرابحت‬‫: يرحهت لبىل انًرابحت بانخمسیظ‬
  29. 29. ‫‪ā‬‬‫انخساو انخظذق‬
  30. 30. ‫‪Ā‬‬ ‫(آنت انًبادنت)‬ ‫(يمظىد انًبادنت)‬ ‫عذو اعخبار انًعیار‬ ‫اعخبار انًعیار‬ ‫(لابم انخعییٍ)‬ ‫(غیرلابم انخعییٍ)‬‫‘‪ī‬‬
  31. 31. ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫(بیع يضاف اني انًسخمبم)‬ ‫‪ā‬‬ ‫‪ū‬‬ ‫‪ī‬‬ ‫‪ī‬‬ ‫‪ā‬‬ ‫‪ī‬‬
  32. 32. ‫‪ā‬‬ ‫‪ā‬‬‫حبرعاث‬ ‫‪ā‬‬ ‫يعاوضاث‬ ‫‪ī‬‬ ‫‪ā‬‬ ‫‪ī‬‬ ‫‪ā‬‬ ‫بیع بانىفا‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫دیٍ‬ ‫‪ā‬‬ ‫يبیع ‘‪ī‬‬
  33. 33. ‫‪ā‬‬ ‫‪ā‬‬ ‫حبرع‬ ‫‪ā‬‬ ‫‘‪ī‬‬ ‫ربا ‪ā‬‬ ‫‪ā‬‬‫انخساو انخظذق‬ ‫‪ā‬‬
  34. 34. ِ ٍ‫لرع حس‬ ā ā ī ā āā ā
  35. 35. ā āā ā ā ā ā ā ā ā āā
  36. 36. āā ā
  37. 37. ‫‪Ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫(بیع يضاف اني‬‫انًسخمبم)‬ ‫(بیع بذوٌ حسهیى انًبیع)‬ ‫‪ā‬‬ ‫يرابحّ يإجمِ‬
  38. 38. ā
  39. 39. ‫‪Ā‬‬ ‫اجاره‬ ‫‪ā‬‬ ‫اجارة األشخاص‬ ‫اجارِ عهي انىلج‬ ‫اجارِ عهي انعًم‬ ‫‪ā‬‬ ‫اجارة األشیاء‬ ‫يإجر‬‫يسخاجر‬ ‫اجرث‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫يبادنت انًال‬‫بانًُفعت‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫يبادنت انًال‬‫بانًال‬
  40. 40. āā
  41. 41. Ā āā ā ā ā āā ā ā
  42. 42. ‫َفماث‬‫انخًهك‬ ‫َفماث االَخفاع‬ ‫آفج سًاویّ‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫َساع ‘‪ā‬‬‫غرر‬ ‫‪ā‬‬
  43. 43. ‫‘‪ī‬‬ ‫‪ā‬‬ ‫انخساو انخظذق‬ ‫‘‪ī‬‬ ‫‪ā‬‬ ‫حکافم‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫ق‬ ‫حیٍ في طفة‬ ‫طفك‬‫‪ā‬‬
  44. 44. ‫عهذانبیع‬ ‫عهذانهبت‬ ‫‪ā‬‬ ‫‪ā ī‬‬ ‫‪ā‬‬ ‫‪ū‬‬ ‫‪ī‬‬ ‫‪ā‬‬ ‫يهك انًسخأجر‬ ‫حك وطىل االجرة‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬
  45. 45. ‫سلم‬ ‫سهى‬ ‫اسخظُاع‬ ‫يسهى انیّ‬ ‫رب انسهى‬ ‫‪ī‬‬ ‫يسهى فیّ‬ ‫جُس‬ ‫َىع‬ ‫وطف‬ ‫‪ī‬‬ ‫‪īā‬‬‫يكیالث‬ ‫يىزوَاث ‪ū ā‬‬ ‫‪ī‬‬
  46. 46. ī‘ ī ī ī ī ā ī ī ī
  47. 47. Ā ‫استصناع‬ ā ā ā ā āā ā ā ā ā ā ā ‫خیارانرؤیج‬ ā ā ū ī ā
  48. 48. ā ‫خیار‬ ā ā āā
  49. 49. Āā āā ā ā ā
  50. 50. ā ī ī ī
  51. 51. ā ī ā āā
  52. 52. ā ū ū ī‘ ā ā ā ā ī
  53. 53. ‫‪ā‬‬ ‫‪ā‬‬‫‪ā‬‬‫‪ā‬‬ ‫بيع الديه‬ ‫‪ā‬‬ ‫‪ā‬‬
  54. 54. ‫‘‪ī‬‬ ‫وقف‬ ‫بيت المال ‪ā‬‬ ‫‪ā‬‬
  55. 55. ‫‪ā‬‬ ‫خلطۃ الشيوع‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‪ā‬‬‫‪ā‬‬ ‫‪ī‬‬ ‫‪ī‬‬ ‫(تركو مستغرقو في الديه‬ ‫العبد المأذون‬ ‫‪ū‬‬
  56. 56. ‫‪ī‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫‘‪ī‬‬ ‫‪ā‬‬ ‫‪ā‬‬ ‫اسخُباط‬ ‫‪ā‬‬‫(اجخهاد)‬
  57. 57. ā ā ā āā ā ā ā
  58. 58. ā āā ā ā ā ā ā ī ‫وكیم‬ ‫يشخري‬ ā ā ā ā
  59. 59. āā ā ī‘---*---*---
  60. 60. About Author Shafiq ur Ra man was born in 1971 in Punjab, Pakistan; Qualified Shahādatul ‘Alamiyyah Fil ‘Ulūmil Islamiyyah Wal ‘Arabiyyah, with distinction grade from Wifāqul Madāris al- ‘Arabiyyah, Multan, Pakistan, 1992; Qualified B.A. from Punjab University Lahore, 1994 Graduated LL.B. (Honours) Sharī‘ah and Law from International Islamic University, Islamabad, 1995; Granted Commission in Judge Advocate General (Law Branch) of Pakistan Navy, 1996; Held various posts of staff, legal and instructional duties in Pakistan Navy since 1996; While in service qualified LL.M. from University of Karachi, 2001; In the year 2008 was selected by Government of Pakistan for LL. M in International Maritime Law at International Maritime Law Institute of International Maritime Organisation (IMO), Malta; Qualified LL.M. with distinction grade, 2009; Research scholar for Ph.D. in ‘Islamic Finance’ at Law Faculty, University of Karachi since 2006.

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