The document discusses Islamic principles of commerce (muamalat), trading, and investment. It explains that muamalat requires truthfulness, trustworthiness, mutual consent, and generosity. The pillars of trading are the seller, buyer, commodity, price, and contract (sighah). Principles of investment prohibit guarantees based on capital, uncertainty (gharar), interest (riba'), and require the investment be halal and have mutual consent. It also discusses Malaysia's Islamic finance framework and how it has contributed to financial inclusion and stability.

2. CHAPTER 3 PRINCIPLES OF MUAMALAT AND INVESTMENT