Executive Director – Centre for Islamic Economics-(CIE) , 𝗗𝗿. 𝗠𝘂𝗵𝗮𝗺𝗺𝗮𝗱 𝗜𝗺𝗿𝗮𝗻 𝗔𝘀𝗵𝗿𝗮𝗳 𝗨𝘀𝗺𝗮𝗻𝗶 and Group Head – Jubilee Takaful Retail Distribution, 𝗠𝗿. 𝗠𝘂𝗵𝗮𝗺𝗺𝗮𝗱 𝗠𝘂𝗻𝗮𝘄𝗮𝗿 𝗞𝗵𝗮𝗹𝗶𝗹 had a meeting to initiate a mutually beneficial relationship between both organizations.

They both agreed to promote takaful with joint efforts. This collaboration offers enormous opportunities for research, training and development in the field of takaful, nationally and internationally, creating a diverse impact in this progressive field worldwide.

Centre for Islamic Economics (CIE) moved forward to sign a monumental MoU with Institute of Bankers Pakistan (IBP). This vital pact aimed at the active collaboration of both the prestigious organizations in research domains and academic programs specifically Islamic Banking & Finance. This action-oriented agreement was inked by Executive Director-CIE Dr Muhammad Imran Ashraf Usmani and Advisor-CIE Mufti Yahya Asim and Director-IBP Research & Development Mr. Faisal Hussain and Director-IBP Academics and Examinations Mr Arsalan.

This critical MoU would most certainly result in the joint promotion of Islamic education synthesized with an advanced skill set in diverse disciplines plus domains of functionality. The key mutually agreed upon points comprised the establishment of CIE offering collaborative certificate/diploma/post-graduate diploma in Islamic Banking & Finance. These renowned institutions would organize joint conferences and seminars on Islamic banking, establish higher-level programs, explore joint online/distance learning programs and publish the Islamic Leadership magazine.

Dr. Imran Ashraf Usmani, Director CIE welcomed this strategic alliance between both the well-established institutions which offered limitless opportunities for research, training and development in the field of Islamic Banking and Finance nationally and internationally. This was indeed a groundbreaking pact that would create a diverse impact in the progressive field worldwide.

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Islamic banking is established on the principles of Islamic beliefs as they link with business transactions. The basics of Islamic banking are stemmed from the Quran, the main holy text of Islam. In Islamic banking, all transactions must comply with shariah guidelines, the lawful code of Islam which is in view of the preachings of the Quran and traditions of the Holy Prophet (SAWW). The standards governing business transactions in Islamic banking are called Fiqh al-muamalat.

Bankers or professional personnel who are employed by financial institutions that maintain Islamic banking are instructed to not go astray from the basic standards of the Quran while they are directing business. At the point when more data or direction is required, Islamic bankers go to highly qualified scholars or use their own reasoning based on their knowledge and experiences.

One of the essential contrasts between traditional banking frameworks and Islamic banking is that Islamic banking forbids usury, uncertainty, and speculation or gambling. Shariah firmly restricts any kind of speculation or gambling, which is known as maysir. Shariah additionally bans taking interest on loans that favor moneylenders at the expense of borrowers.

To generate profit without the ordinary act of charging interest, Islamic banks use equity participation funds. This implies if a bank provides a loan to a business, the business will have to pay back without interest. However, business rather gives the bank an offer in its profits earned. If the business fails to honour the bank or doesn’t earn any profit, at that point the bank likewise doesn’t profit.

What’s more, any ventures including things or substances that are restricted in the Quran which includes liquor, speculation, pork, and all haram activities are disallowed. Along these lines, Islamic banking can be viewed as socially responsible investment.

The acts of Islamic banking are generally followed back to businessmen in the Middle East who began participating in commercial exchanges with businessmen in Europe during the Medieval time. Originally, businessmen in the Middle East employed similar financial standards as the Europeans. Nonetheless, after some time, as financial institutions and banks established and European nations began building up nearby offices of their banks in the Middle East, a portion of these banks embraced the neighborhood customs of the district where they were recently settled, fundamentally no-interest financial frameworks that operated at a PnL i.e. profit and loss, sharing strategy. By embracing these practices, these European banks could likewise serve the requirements of nearby businessmen who were Muslim.

Starting during the 1960s, Islamic banking reemerged in the cutting edge world, and since 1975, numerous new Interest-free banks have developed. While most of these institutions were established in Muslim nations, Islamic banks likewise opened in Western Europe during the mid-1980s and that’s what we know as of today, Islamic banking evolved.

Want to learn about Islamic banking in-depth? CIE is doing it all right. We offer banking and finance courses taught by our team of well-qualified modern financial experts and ulemas. Head to our website and check out the list of banking courses.

Islamic banking typically referred to as Islamic finance or shariah-compliant finance which is a kind of finance or banking practice that sticks to shariah rules (Islamic law). Two key elements of Islamic banking are the sharing of profit and loss, and the disallowance of the kinds and payment of interest by banks, financial institutions, and speculators/investors.

The practices of Islamic banking and finance came into existence during the times of the Holy Prophet (SAWW) but the proper formal establishment of current Islamic finance and banking started in the late 20th century. Today, there are more than 500 banks and over 400 mutual funds around the globe that follow Islamic standards. Somewhere in the years between 2000 and 2016, the Islamic bank’s capital inflated from $200 billion to nearly $3.5 trillion last year. This development is to a great extent because of the rising economies of Muslim nations, particularly those that have profited by the rising cost of oil i.e. Gulf region.

Principles of Islamic Finance

Islamic finance firmly adheres to Sharia laws. Modern-day finance depends on various elements that are prohibited in Islam. Islamic finance doesn’t operate on four principles which are acceptable and a major part of conventional financial operations. These four principles are:

1. Paying or charging an interest (Riba)

Islam considers providing loans with interest payments as an exploitative practice that favors the moneylender at the cost of the borrower. As indicated by Sharia law, interest is usury (riba) has been straightforwardly declared haram by Islam.

Prohibition of interest in hadith, “the prophet (PBUH) cursed the receiver, the payer of the interest, the one who records it and the two witnesses of the transaction and said they are all alike (in guilt).” – Sahih Muslim

2. Putting resources into businesses engaged with Haram activities

A few activities, for example, creating and selling liquor or pork, are denied in Islam. These exercises are considered haram or prohibited. In this manner, putting resources into such dealings or activities is similarly illegal.

3. Speculation (Maysir)

Sharia carefully restricts any type of speculation or betting, which is called maysir. Accordingly, Islamic financial institutions can’t be associated with contracts where the goods are owned by uncertainty or ownership relies upon the uncertainty of future events.

4. Risk and uncertainty (Gharar)

The laws of Islamic finance prohibit participating in contracts with inordinate danger as well as uncertainty. The term gharar measures the authenticity of danger or vulnerability in speculations. Gharar is seen with subsidiary agreements and short-selling, which are prohibited in Islamic finance.

Along with the above-mentioned prohibitions, Islamic finance depends on two other significant elements:

Every transaction must be identified with a genuine fundamental financial transaction.

Parties going into the agreements in Islamic finance share profit/loss and dangers related to the transaction. Nobody can profit from the exchange more than the other party.

CIE offers a diploma in banking and finance. To learn more about certification courses in banking, check out CIE’s course offerings.

Throughout the long term, Islamic finance has developed at a quick pace comprehensively and is currently a market worth more than $3.5 trillion. It largely operates in Muslim nations and offers a profitable career there. Now, it has started to expand to the Western world as well to attract investments from the Gulf region or Muslim states in general.

This blog set out to clarify the five benefits that Islamic finance offers to the community. Let’s begin.

It Helps By Encouraging Monetary Incorporation

According to the World Bank, monetary or financial inclusion is ‘’Financial consideration implies that individuals and businesses have access to useful and affordable financial products and services that address their needs– transactions, payments, savings, credit, and insurance – delivered in a responsible and sustainable way.’ (Worldbank.org, 2017).

The traditional banking framework depends on interest payments at a rate pre-set on the amounts of the deposited cash. Payment and receipt of my interest i.e. Riba are precluded under the Shariah Law, so Muslims keep away from banking. Notwithstanding, through Islamic banking, financial inclusion can be advanced and get a bigger pool of investment funds in the domestic and worldwide economy.

Diminishing The Effect Of Hazardous Items And Practices

Shariah standards deny any exchanges that help companies or exercises which are prohibited in Islam. For instance, usury (Interest), gambling, speculation, regardless of whether these are legitimate or not in the location of the exchange.

Rule Of Financial Justice

One of the prerequisites of Islamic finance is financial justice. It enables Islamic finance products to work in a way that’s been instructed by Shariah. The Western or traditional financial framework sees making revenue through interest-based transactions and makes the beneficiary subject to any kind of hazard. Islamic finance works on the sharing of profit and loss and risks engaged in an equal way.

Financial justice is an essential prerequisite for the working of Islamic finance items. As opposed to Western or traditional financial systems, Islamic financing is based on the sharing of net profit and loss and the risks associated with a corresponding way between the creditor and the debtor. Consequently, if an agent is anticipating a case on the profits of a project, it is fundamental that he/she ought to likewise convey a relative portion of the loss of that specific project.

Stabilizing The Investments

In Islamic finance, speculations are drawn nearer with a more slow, shrewd decision-making process, when contrasted with traditional finance. Organizations whose financial practices and projects involve a great amount of risk in them are typically avoided by Islamic financing organizations. By performing detailed audits and research analysis, Islamic finance supports the decrease of risk and makes the space for more prominent and stabilized investments.

Fastening Economic Growth And Development

Islamic finance organizations surely have profit creation and development as their goals. For which, they decide to put resources into businesses dependent on their potential for development and achievement. Along these lines in the Islamic banking industry, each bank will put resources into promising business opportunities and endeavor to vanquish its rivals, so as to pull in more investments from its investors. This will inevitably bring about an exceptional yield on ventures both for the bank and the investors. This is impossible in an ordinary traditional bank, where investors reclaim returns on their deposits dependent on a pre-set loan interest rate.

CIE, Center for Islamic economics is a renowned institution that offers a diploma in banking and finance and other specialized courses and workshops related to Islamic financial and economic practices. Check out our certification courses in banking on our course list.

There are many modes of Islamic banking and finance. However, in this blog, we’ve discussed the most-used modes of Islamic banking and financing. These are:

MUDARABAH

It is a type of partnership where one party has the right to invest in the business i.e; Rabbul-maal and the other has the right to manage it i.e; Modarib. Any profits earned are shared between the two parties as per the profit ratio agreed during the agreement, while the financial loss is only suffered by the investor.

MURABAHA

In its literary context, it means profit. In fact, it is an agreement of offer wherein the seller reveals his cost and profit. It is an Islamic method of financing used by Islamic banks. In this financing mode, the customer requests the bank to buy certain products for him. The bank does that for a distinct profit over the cost, which is specified at the time of the agreement.

CIE is offering Islamic banking and finance courses. Check out the list of banking courses on the website.

MUSHARAKAH

Its literary context, it means sharing or partnership. Musharakah implies a relationship set up under a mutual agreement of the parties for the sharing of profit and loss in the joint business. It is an arrangement under which the Islamic bank gives funds, which are blended in with the assets of the business undertaking and others. Profit is shared amongst the partners on a pre-agreed basis. However, the loss is borne by the partners equivalent to their respective capital investment ratios.

IJARAH

In its literary context, it means “to provide something on rent”. Ijarah is an agreement of a known and suggested usufruct against a predetermined and legal return or thought for the administration or return for the advantage proposed to be taken, or for the exertion or work proposed to be consumed. In layman words, Ijarah or renting is the exchange of usufruct against some lawful consideration. If a fixed asset is provided then consideration is rent and if it’s hiring of a person then consideration is a wage.

ISTISNA

In Islamic financing, Istisna is generally a long-term contractual agreement for constructing, building, or manufacturing an asset, permitting advance money payment and delivery of commodities at a predetermined future time at an agreed price. It is generally used for giving an opportunity of financing the production or development of houses, buildings, plants, heavy machinery, and infrastructures like roads, bridges, railways, and more.

BAI SALAM

It is one of the most famous modes of Islamic financing. Salam implies an agreement where advance payment is made for products to be conveyed later on. The seller or dealer delivers some particular merchandise to the purchaser at a future date in return for a development cost completely paid at the time of the agreement. It is important that the nature of the product proposed to be bought is completely known and determined leaving no space for uncertainty which can further lead to conflict. The objects of this deal are various goods but can’t be gold, silver, or any currency. Even so, Bai Salam covers nearly everything, which can be measured in terms of quality, quantity and craftsmanship, and more.

Understanding How Takaful Works

In this blog, we have discussed Takaful operations and the kinds of funds required for it. Give it a read.

Process of Takaful

All policyholders consent to promise one another and, rather than paying premiums, they make contributions to a common pool or a mutual fund to alleviate the financial liabilities of the accused. The pool of sum of collections makes the Takaful reserve.

The measure of the contribution that every member makes depends on the sort of coverage they require, and on their personal resources and condition. Just like conventional insurance, the policy i.e. Takaful Contract, determines the nature of the uncertain situation and time for coverage.

The Takaful fund is overseen and controlled for the benefit of the members by a Takaful Operator who charges a certain fee to take care of expenses. These expenses incorporate the expenses of deals and marketing and sales, indemnity, and the management of claims.

Any cases made by members of the policy are paid out of the Takaful pool and any remaining surpluses, in the wake of causing arrangements for likely expense of future cases and different funds, belong to the policyholders, and not the Takaful Operator. The remaining Takaful fund is then distributed among the participants or policyholders in the form of cash dividends or any other suitable form.

Takaful Operating Principles

An Islamic insurance organization follows the following operational standards:

The Policyholders’ Fund

The constituents of the policyholder’s funds are:

All of the claims payable to the policyholders, reinsurance costs, technical funds, managerial costs, and so on., barring the costs of the investment branch, will be met out of the policyholder’s reserve.

The remaining balance to the credit of the policyholder’s reserve by the year’s end speaks to their excess. The General Assembly may designate the entire or some portion of the excess to the policyholders’ specific reserves. This will be equally distributed among the policyholders.

At the point when the policyholder’s funds are inadequate to meet their expenses, the shortfall is supported by the shareholder’s funds.

The shareholders volunteer themselves to release all the contractual liabilities of the policyholder’s reserves, however this risk doesn’t surpass their equity in the organization.

The Shareholders’ Fund

The constituents of the shareholder’s funds are:

All the managerial costs of the investment branch or department are deducted from the Shareholder’s reserves.

The standings balance of the shareholders’ excess, assuming any, is allocated among them.

Investment of Fund

The organization may contribute its funds just on the basis of profit and loss sharing as instructed by the Shari’ah.

Products and services that are offered by Islamic insurance companies i.e. firms dealing in Takaful

Islamic insurance organizations may offer products that are competitively priced, without diminishing the scope and advantage of insurance coverage made customarily accessible to people in general by local insurance companies.

As far as life insurance facilities are concerned, Islamic insurance companies have created Islamic Trust Funds for social solidarity, mortgage safety, student security and employer’s security.

Learn About Takaful With CIE

To learn the laws of Shariah business policies, enroll yourself for a certificate course in Islamic banking Takaful.

Scope of Islamic Banking and Finance

Today, Islamic Banking and Financing is one of the world’s fastest-growing economic sectors which has become the talk of the financial world over the last two decades. Since this diverse sector has many opportunities and very little competition right now in the industry as it’s true potential hasn’t been realized yet, it is redefining the financial practices in many countries of the world which includes both the Muslim and non-Muslim nations. Economic giants are launching themselves into Islamic finance to draw the attention of investors globally, especially of the Middle East and Islamic countries to invest in Sharia-compliant businesses.

The evolution and gradual progress of Islamic finance has brought about new aspects to the financial policies and economic growth. It does not only provide Muslims with an opportunity to invest in projects or portfolios in a rightful Islamic manner but Islamic finance has got a lot to offer, beginning from a comprehensive and morally dependable economy to evacuation of destitution and demoralization of specific products that are damaging to the Islamic community. Islamic finance has everything in it that is the need of time, yet not in a religious way of thinking or discourse but as a technique and instrument leading towards progress.

What is Islamic Banking and Finance?

As per the definition of Wikipedia “Islamic banking or Islamic finance or Sharia-compliant finance is banking or financing activity that complies with Sharia or Islamic laws and its practical application through the development of Islamic economics.” It is a thriving global financial sector which is an alternative to conventional banking and finance. It is bringing about a new dimension to global financial policies and economic development.

At present, many big and significant Islamic nations are following Sharia-compliant banking and financing practices. Non-Muslim states which share business and economic ties with Islamic banking hubs like Bahrain, Oman, Saudi Arabia, Qatar, United Arab Emirates, Kuwait, and Malaysia, deal with them are using Islamic Finance as an effective tool for financial and economic development globally.

Principles of Islamic Banking And Finance

Islamic banking and finance is based on five Shariah rules which distinctly separate it from conventional banking and finance. These five Shariah rules are:

Why Study Islamic Banking And Finance?

The principles and guidelines of Islamic banking are profoundly established in religion which must be studied and understood thoroughly before beginning a career. The rules of Islamic banking and finance are vast and convoluted along with being extremely strict. This particular field requires strict adherence to the Sharia rules and guidance as there is no margin for error and whatsoever.

Although it is a demanding profession if you manage to follow the rules perfectly, it has the potential to offer you a highly lucrative, secure, and promising career path. At present, there is a vacuum in this thriving financial sector, so you can establish a great career in this field as it is going to revolutionize banking services globally in the next few years.

Islamic Banking and Finance Courses At CIE

CIE, Centre for Islamic economics offers certification courses in Islamic banking and finance. Post-graduate Diploma (PGD), specialized short courses and workshops are offered throughout Pakistan. Our Ulemas and proficient well-qualified financial experts impart their knowledge to people from all backgrounds with an aim to develop Islamic business and economic environment in Pakistan.

Learn about Islamic business laws and practices with CIE. Read more about diploma in banking and finance at cie.com.pk

Benefits of Islamic Banking and Finance

In this blog, we have talked about the importance and benefits of working in Islamic banking and finance. Give it a read:

Importance of Islamic Banking and Finance

Today, Islamic banking and finance are one of the thriving financial sectors of the world. Islamic banking and finance are globally developing moderately since there has been a huge influx of potential investments in the halal sector, infrastructure, and Sukuk bond especially. The significance of Islamic banking becomes very much clear as we review the numbers. At the present time, there are more than 500 Islamic banks and investment firms operating globally contributing $1.72 trillion of the industry’s assets as of 2017. Furthermore, the International Islamic Finance Forum predicts that in the following 2 to 3 years, Islamic banks will hold up to half of all investment funds of the world’s 1.2 billion Muslims. The factors accelerating the growth of Islamic financial markets are directing investment towards the massive growth opportunities in the burgeoning and fulfilling Islamic sectors.

Islamic banking is significant for the sole explanation that demand for such banking services is surging high. From individual customers to two world largest businesses whatsoever the Islamic finance market is tremendously large and strong and has just barely started to the fleet.

The Benefits of Working in Islamic Banking

For those who want to establish a promising career in finance, Islamic banking and finance speak to a remarkably potential-filled specialism. From the security of a job to career growth chances to high monetary rewards, it is a field where those with the basic required aptitudes, capabilities, and responsibility are setting examples and writing their success stories.

Only a portion of the advantages of working in the Islamic Financial industry include:

Given the way that Islamic banking is as yet considered something of a specialism catering to a specific segment of individuals or a niche in the West. Since it is developing and expanding all over the world, there is significantly less rivalry to stress over when hoping to set a career in this field and securing a job in any case.

In spite of the fact that it might keep on being viewed as a specialism catering niche for quite a while, demand for proficient Islamic banking and finance services is quickening at a rate that far outpaces that of conventional western banking systems. Investment firms and banks dealing in this, especially in Pakistan and the Middle East, have a great demand for skilled and qualified Islamic bankers and financial experts.

Learn about Islamic banking with CIE’s banking and finance courses online.

Islamic banking is one of the many modern sectors that are generally ensured to keep developing and expanding out an amazing pace with certainty. Regarding career stability and job security, it is an industry that can ensure a sound and secure career path for life.

As in every aspect of finance, there is tremendous potential for a great handsome income as one keeps climbing the career ladder in an Islamic banking system. The plus point is that there is comparatively less competition for each job post than the conventional banking system.

The plus point of an Islamic banking and financial system is that there is a perception amongst people that Islamic financial institutions are associated with a high moral standard and which is very true. It operates in a system that is religiously and morally right and never deals with risk or uncertainty.

CIE, Centre for Islamic Economics is a platform that offers courses on Islamic banking and finance, Takaful, Islamic trade, Islamic business laws, and other related products of Shariah. Check out our list of banking courses online and enroll yourself.

Why Takaful is Better Than Conventional Insurance

The thought and practice of Takaful aren’t new as it was worked on during the life of the Prophet Muhammad (PBUH). Because of the perplexing idea of business activities and advancing human needs, Takaful is currently completely popularized and is a significant piece of financial business sectors. Since it is significant in our everyday life, we accept that it is important to feature when and how Takaful began and how it originated.

Takaful is seen as helpful insurance, where individuals contribute a specific aggregate of cash to a general pool. The motivation behind this framework isn’t benefits however to maintain the standard of “bear ye each other’s burden.”

What is Takaful?

In the context of Takaful, risk can be described as the probability of undesirable outcome due to

the unforeseen future. Every human activity is prone to the danger of misfortune from unanticipated situations. To reduce this weight to people, what we currently call insurance has existed since 215 BC. This idea has been practiced in different forms for more than 1400 years. It started from the Arabic word Kafalah, which signifies “guaranteeing one another” or “joint guarantee”. Based upon the concept of mutual cooperation and assistance among participants, the idea is in accordance with the standards of compensation and shared obligations among the participants, where the accused pays off the financial liability to the victim or their heirs.

Takaful is ordinarily mentioned as Islamic insurance; this is because of the obvious similarity between the agreement of kafala (guarantee) and that of insurance.

In any case, takaful is established on the helpful standard and on the guideline of partition between the funds and shareholder’s operations, consequently passing the ownership for Takaful (Insurance) funds and activities to the policyholders. Muslim legal scholars reason that insurance in Islam ought to be founded on standards of mutuality and cooperation, including the components of mutual responsibility, common interest, joint indemnity, and unity.

There are now general, health, and life, takaful family care plans available for Muslim communities all over the world.

Takaful vs Conventional Insurance

In present-day business, one of the approaches to diminish the danger of misfortune because of incidents is through insurance. The idea of insurance where assets are pooled to help the poor doesn’t really repudiate Islamic standards.

Three significant contrasts differ in conventional insurance from Takaful:

The key distinction among Takaful and conventional insurance rests in the manner the risk or uncertainty is evaluated and taken care of, just as how the Takaful reserve is overseen. Further contrasts are likewise present in the connection between the administrator (under conventional insurance utilizing the term: guarantor) and the members (under conventional it is the safeguarded or the guaranteed). Takaful business is additionally not the same as the conventional insurance in which the policyholders, instead of the investors, exclusively benefit from the benefits created from the Takaful and investment resources.

The scope of Takaful is growing globally. Learn in-depth about Takaful and its practical applications with CIE as we offer specialized Takaful and investment banking courses. Get started today.

The Objectives of CIE

The primary objective of the Centre for Islamic Economics is to carry out concerted efforts in executing each of the following five distinct activities with diligence and persistence:

1

Education

2

Research

3

Propagation & Awareness

4

Business Community

5

Regulatory Authorities

6

Consultancy

Feature Courses

The basic rationale for setting up this institution is to propagate the guidelines of an Islamic Economic System by undertaking research to enable the economic, financial & banking activities in Pakistan & other Muslim countries to conform to Shariah & to extend training facilities to personnel engaged in economic development activities in the Muslim world.

  • PGD 3 Semesters
    Post Graduate Diploma
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BOARD OF DIRECTORS

Office Bearers

Justice (Retd.) Maulana Muhammad Taqi Usmani

Chairman

Chairman Executive Committee & Chairman CIE

Maulana Dr. Muhammad Zubair Ashraf Usmani

Member Executive Committee

Chairman Shariah Board- HBL Islamic Banking

 

Maulana Dr. Muhammad Imran Ashraf Usmani

Member Executive Committee

Shariah Advisor Meezan Bank Limited

Maulana
Muhammad Yahya Asim

Member Academic Committee

Faculty at Centre for Islamic Economics

Contact Info

Centre for Islamic Economics

Jamia Darul Uloom Karachi,(Head office) Main Korangi Industrial Area Road, Postal Code 75180,Karachi, Pakistan.

Off Phone +92 21 35123216
Cell +92 316 2704356

Baitul Mukarram Campus, University Road, Gulshan-e-Iqbal Block-8, Karachi

Phone +92 (21) 34967208
Fax +92 21 34809039

info@cie.com.pk