Insurance has become a need of businesses and individuals for mitigating risks and losses and lessening the impact of catastrophes on their lives and wealth.
When Islamic banking started functioning in the 1970s, it also required a Shar¯ı´ah-compliant alternative to conventional insurance, considered against the Shar¯ı´ah tenets due to the involvement of Riba, Gharar and gambling. To fill the gap in the cycle of Islamic finance, the system of Takaful has been developed and a large number of Takaful companies are providing services in various regions of the world.
1. All the matters are determined by intention(al-umur bi maqasidiha)
2. Certainty may not be disproved by doubt (al yaqin la yazul bil as-shak)
3. Hardship begets facility (al-masyaqqah tajibul al-taysir)
4. HARM must be removed (AL DARAR YUZAL)
5. Custom is a basis of judgement (al-adah muhakkamah)
The Concept of Takaful (Islamic Insurance) and Its Functions in the Establish...inventionjournals
The concept of insurance is not a new phenomenon in the history of human civilization. It has been around since the days of Babylon in Mesopotamia aimed at protecting private property, real estate, commercial and family affairs. Similarly, the idea and practice of Takaful is not new as it was practiced during the time of the Prophet Muhammad (PBUH) by its adoption of the concept of Aqilah. Starting the 1970s and increasingly in the 1990s, Islamic countries and other countries with a significant Muslim population have encouraged the provision of financial services, including insurance, under Islamic principles. The concept of Takaful or Islamic insurance was first introduced in Sudan in 1979, inspired by the growing needs of the Muslim consumers for an insurance protection that conforms to the Islamic law. In Malaysia, the emergence of the first Takaful operator took place in 1985 .This paper describes the concept of al-Takaful in Islam and its development in Malaysia, specifically in the establishment of Syarikat Takaful Malaysia Berhad (TMB), Malaysia’s pioneer in Islamic insurance
The Mecelle was the civil code of the Ottoman Empire in the late 19th and early 20th centuries. It was the first attempt to codify a part of the Sharia-based law of an Islamic state.
Islam is not merely a religion or economic system but a Deen. It provides guidance for all aspects of individual & Collective lives. Islam means peace & submission. Peace acquired through total submission. There cannot be peace without Justice, which is the ultimate objective of sending down all Divine Books & Prophets.
Islam allows to earn income in which benefits are enjoyed by all the concerning parties on the just basis & prohibited to earn income through Bribery, Interest, Stealing & Robbery, Gambling, Wine & its business & Fraud.
Islam offers a definite economic system based on zakat, usher, Bayt al-mal, dignity of labour, equity, interest-free economy, legitimate income & avoidance of extravagance & observing rights & duties.
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
For more information, visit-www.vavaclasses.com
Francesca Gottschalk - How can education support child empowerment.pptxEduSkills OECD
Francesca Gottschalk from the OECD’s Centre for Educational Research and Innovation presents at the Ask an Expert Webinar: How can education support child empowerment?
Normal Labour/ Stages of Labour/ Mechanism of LabourWasim Ak
Normal labor is also termed spontaneous labor, defined as the natural physiological process through which the fetus, placenta, and membranes are expelled from the uterus through the birth canal at term (37 to 42 weeks
Safalta Digital marketing institute in Noida, provide complete applications that encompass a huge range of virtual advertising and marketing additives, which includes search engine optimization, virtual communication advertising, pay-per-click on marketing, content material advertising, internet analytics, and greater. These university courses are designed for students who possess a comprehensive understanding of virtual marketing strategies and attributes.Safalta Digital Marketing Institute in Noida is a first choice for young individuals or students who are looking to start their careers in the field of digital advertising. The institute gives specialized courses designed and certification.
for beginners, providing thorough training in areas such as SEO, digital communication marketing, and PPC training in Noida. After finishing the program, students receive the certifications recognised by top different universitie, setting a strong foundation for a successful career in digital marketing.
Acetabularia Information For Class 9 .docxvaibhavrinwa19
Acetabularia acetabulum is a single-celled green alga that in its vegetative state is morphologically differentiated into a basal rhizoid and an axially elongated stalk, which bears whorls of branching hairs. The single diploid nucleus resides in the rhizoid.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
Embracing GenAI - A Strategic ImperativePeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
3. Al-Dharar Yuzal
Damage is put an end to or the harm must be
removed
all kinds of injury must be removed and
eliminated
„dharar‟ include all kinds of harm whether
involve of individual, society or environment
harm that occurred must be remove doing any
precautionary measures which implemented by
principle of sadd az-zarai‟
it‟s mean the prevention is better than cure
3
4. Cont‟d- Categories
2 categories of „dharar‟:
i. inflicted intentionally
- definitely prohibited and person who involve
must bear the consequences of his action
ii. caused unintentionally
- doing without any intention to cause harm or
damage to others
4
5. Cont‟d- Evidences
prohibition of causing harm proved in Al-Quran:
“…make not your own hands contribute to (your)
destruction, but do good, for Allah Love those who
do good…”, (Al-Baqarah:195)
Hadith:
“there must be neither harm nor the imposition
of harm”
(by Sunan al-Daraqutni)
5
6. Cont‟d-Related Maxims
Necessity renders prohibited things permissible (Art
21)
the application are numerous, include exemption
from legal duties, minority, duress, forgetfulness
Harm (dharar) is not eliminated by another harm
(Art 25)
we cannot avoid harm by doing another harm
the repelling of evil is preferred to the acquisition of
benefits (Art 30)
if there a conflict between warding off an evil and
securing benefit, the former is given preference over
the latter 6
8. 1) BRANCH MAXIM 4: DHARAR IS MEASURED IN
ACCORDANCE WITH ITS TRUE PROPORTION
(ART 22)
Known as al-daruratu tuqdaru bi-qadriha (Art 22).
Dharar is an exceptional circumstance, therefore, should be given a
restricted interpretation.
What is deemed necessary in the case of dharar should be allowed
to the extent required for resolving the harm.
Also related on the subject of necessity (dharurah).
Necessity is measured in accordance with its true proportion.
For example If the court orders the sale of assets of a negligent
debtor to pay his creditors, it must begin with the sale of his
moveable goods if this would suffice to clear the debt before
selling his real property.
8
9. Issue: Working At Riba-Based Bank
IS IT PERMISSIBLE
FOR A MUSLIM TO
WORK IN A
CONVENTIONAL
BANK THAT DEALS
WITH THE RIBA?
9
11. Opinion Scholars Regarding This Issue (PROHIBITED)
1) Monzer Kahf
• Any job that requires a Muslim to make a contract of Riba or making negotiation
to customer on behalf of the bank and other jobs related directly in making Riba-
based contract such as deposit and financing in riba-based bank is prohibited.
• Prophet once said “Those who involve in consuming riba or writing it down or
witnessing it or helping those who do that is cursed”.
• Riba is dharar (harm) and it is clearly prohibited by Allah in the Quran, it shows
that riba may bring harm or negative effect to the giver and receiver.
11
12. Cont’d
2) Sheikh Muhammad al-Munajjid
Major scholars have issued fatwas stating that working in riba-based banks is Haram,
even if the job does not deal with riba as such guards, cleaners, maintenance and etc.
In Fatwa al-Lajnah al-Daa‟imah (15/41); “It is not permissible for a Muslim to work in a
bank that deals with riba, even if the work that the Muslim does has nothing to do with
riba, because he is giving the employees who do work with riba with what they need
because it is helping them to engage in riba-based transactions in one way or another.
Helping them in that manner is cooperating in sin and transgression”.
Allah also has forbid in Surah al-Maidah: 2, “but do not help one another in sin and
transgression”.
Based on Art 22, Muslim can removed or eliminate the harm stage by stage (not once at
12
all) and based on his effort.
13. Opinion Scholars Regarding This Issue
(PERMISSIBLE)
1) Abdus-Sattar Fathallah As-Sa’eed
The economy is usually associated with riba and if he is
obliged to work in this field, then there is nothing wrong
or being excused for doing so.
However, he must ask forgiveness from Allah while
striving hard to find another job.
ad-dararu yudfa’u bi-qadr al-imkaan (harm is
eliminated to the extent that is possible) -
“Muslims must try their very best to find other
jobs that does not involve with riba”
14. Cont’d
Art 22- Dharar is measured in accordance with its true
proportion
what is deemed necessary in the case of dharar should be
allowed to the extent required for resolving the harm
Meaning- if there is alternative to remove or reduce the
harm, we should take those opportunities.
Can also be used in case of darurah (necessity)
1970‟s Islamic Banking was not yet introduced in
Malaysia
Muslims is allowed to work in conventional bank
which involve the element of riba since there is no
alternative to work in banking sector.
15. Cont’d
Art 21- Necessity makes the unlawful lawful
Anything that can harm individual due to the
restriction are permissible in the case of darurah.
For example, in the case of difficulty to find
another job which it may give effect on his
earning living.
He is allowed to work, provided that his intention
working there is to survive, not for seeking
leisure and wealth.
However, he must repent and ask forgive from
Allah
16. 2) BRANCH MAXIM 4: HARM CANNOT BE
ELIMINATED BY IT’S LIKE
Harm must be eliminated (Al-Dharar Yuzal) which indicates
the importance to remove all kind of harm.
This branch maxim explain that any harm happen will not be
solve by replace with another harm which the sure of the harm
will be removed
All necessary measures should be taken to remove the harm as
well as to lessen its destructive implications wherever possible
Example: “A private injury is tolerated in order to ward
off the public injury” (Art 26)
Its means to repel a public damage, private damage is preferred or
warding off public (majority) injury is given preference over personel
(minority) injury (Mahyuddin Khalid, 2011)
17. Issue on the Establishment of
Sekolah Harapan for Unwanted
Pregnancy Teenager in Malaysia
18. Introduction about Sekolah Harapan
Located in Jasin, Malacca
The idea to set up the school was from Datuk Seri
Mohd Ali Rustam
As means for “pregnant teenager”
The school provides:
Maternity and delivery care
Accommodation facilities
Free education
The main factor of setting up the school is to:
Reduce/ eliminate the case of baby dumpling
To reduce the case of zina among teenagers among
Muslims
19. The Arguments on the Issue of
Sekolah Harapan
Some scholars argue about the existence of such school will
only encourage Muslim‟s teenagers to do zina.
It is not the wise solution to eliminate the case of baby
dumpling as well as zina
The scholars arguments were relied on the punishment of zina
in the Qur‟an;
Allah (SWT) has prescribed Hudud punishment for adultery.
o According to the Qur'an, the punishment is Flogging with a
100 stripes (both for men and women) [24:2]. The punishment
for „faahishah‟ which means gross indecency (e.g. stripping
naked or 'being lewd' in public)
20. Cont’d
According to the Ibrahim b. Syed (2012), Islam considers
Zina as a major sin, an indecent act, and an evil path.
Therefore, protecting society from Zina is an evident aim of
Islam
the punishment system in Islam has concerns that Muslims
need to be aware of which is concern on the three aspect of
any crime which are the criminal (the one who do the
crime), the society (where the crime took place) and the
victim (the one who was subject to the criminal act)
The objectives of punishment are:
To criminals, punishment is kaffara (purification) and
reforming for the re-acceptance into the society.
To society, punishment is a preventive method to save the
society from crimes.
To victims, punishment is a mean of retribution.
21. Cont’d
Punishments were created to protect and secure the ultimate five
elements of maqasid Shariah for the people‟s interests (al-
dharuriyat; necessities) which are;
Al-deen (belief)
An-Nafs (life)
Al-aqil’ (intellect)
Al-mal (wealth)
An-nasil (family and lineage)
However, in many disputes on the establishment of Sekolah
Harapan, Datuk Abdul Rahman Abdul Karim offended that the
school as a practical strategy to combat the rising numbers of
abandoned infants which we often heard about the case of baby-
dumped dead
22. Cont’d
Nevertheless, a pregnant school is not the best solution to social illness that
increasingly rampant nowadays.
Because of that reasons Islam set down a severe punishment for an adulterer to
flogging a hundred times and set aside for those who are not married and
stoned for those who were married, as some of the following propositions:
1. "The woman and the man who committed adultery, then whack each one of
them with a hundred times stripes: Let no sympathy to both prevent you to
(only) Allah, if ye believe in Allah and the Last Day, and shall
(implementation) of their punishment be witnessed by a group of people who
believe. "(Surah An Nur: 2)
2. From Abu Hurairah reported that Allah's Messenger gave the punishment
to those who commit adultery (not married) with sentence removed
(isolated) a year and shot a hundred times"(Narrated Bukhari).
23. Fiqh Maxim : “Harm Cannot be
Eliminated by It’s Like”
The establishment of Sekolah Harapannot the wise solution to
overcome the social illness among the teenagers as it is will only
encouraging more activity of zina among the teenagers and even
produce more children out of wedlock.
In the Surah Al-Isra‟ 17:32, revealed that;
„And do not approach adultery, fornication truly is an
abomination and an evil way (that leads to damage)
Meanwhile, Chief Minister, Datuk Seri Mohd Ali Rustam
encourages marriage among teens, “For parents who are not able
to control their children, they should be allowed to marry instead
of committing zina (The Star Online, 2010)
Therefore, it is necessary to eliminate or prevent harm to avoid the
lesser harm that can lead to the greater hardship in our life in the
world as well in the Hereafter.
27. Conclusion
The word harm in this maxim is general and it includes all kinds of harm.
All necessary measures should be taken to remove the harm
In the case of someone who work at riba-based bank thus the rule of
darurah could be applied here as Allah has mentioned in the Qur‟an in
surah Al-An’am verse 145, "If a person is forced he does not want it and
do not (yet) exceeds the limit, then surely your Lord is Forgiving,
Merciful.“
The scholars highlighted that those in authority should interfere and
prevent such harmful acts.
In the case of the issue on the establishment of Sekolah Harapan in
Melaka, we could say that the establishment of Sekolah Harapan is not
relevant to be applied as solutions to solve the problems of social illness
like zina as well as baby dumpling. It will only give bad impact and greater
harm to the society.
Therefore, it is necessary for us as Muslims to eliminate or prevent harm to
avoid the lesser harm will lead to the bigger hardship in our life in the
world as well as in the Hereafter.