<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type="text/xsl" href="https://ifikr.my/wp-sitemap.xsl" ?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"><url><loc>https://ifikr.my/resources/it-risks-in-islamic-banks/</loc><lastmod>2026-05-14T14:49:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/the-role-of-ijtihad-in-contemporary-islamic/</loc><lastmod>2026-05-14T14:49:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/workforce-in-islamic-fintech/</loc><lastmod>2026-05-14T14:49:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/market-landscape-in-uk/</loc><lastmod>2026-05-14T14:49:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/kesan-esg-terhadap-masyarakat-daripada-perspektif-perbankan-islam/</loc><lastmod>2026-05-14T14:49:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a-sharing-economy-in-the-islamic-finance-industry/</loc><lastmod>2026-05-14T14:49:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/shariah-compliant-e-commerce-transactions/</loc><lastmod>2026-05-14T14:49:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/winds-of-change-sustainable-finance/</loc><lastmod>2026-05-14T14:49:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/pengurusan-dan-perlindungan-harta-dalam-islam/</loc><lastmod>2026-05-14T14:49:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bank-talk-digital-banks-how-can-they-deepen-financial-inclusion/</loc><lastmod>2026-05-14T14:49:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-fintech-accelerating-the-social-agenda-post-pandemic/</loc><lastmod>2026-05-14T14:49:52+08:00</lastmod></url><url><loc>https://ifikr.my/resources/shariah-complex-application-in-fintech/</loc><lastmod>2026-05-14T14:49:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/i-connect/</loc><lastmod>2026-05-14T14:49:54+08:00</lastmod></url><url><loc>https://ifikr.my/resources/i-fikr-app/</loc><lastmod>2026-05-14T14:49:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/how-is-islamic-fintech-advancing-the-sustainability-agenda-of-islamic-finance/</loc><lastmod>2026-05-14T14:49:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-development-in-malaysia-iran/</loc><lastmod>2026-05-14T14:49:58+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-and-the-fiqh-of-crisis-management-session-7/</loc><lastmod>2026-05-14T14:49:59+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-and-the-fiqh-of-crisis-management-session-6/</loc><lastmod>2026-05-14T14:50:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-and-the-fiqh-of-crisis-management-session-5/</loc><lastmod>2026-05-14T14:50:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-and-the-fiqh-of-crisis-management-session-4/</loc><lastmod>2026-05-14T14:50:03+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-and-the-fiqh-of-crisis-management-session-3/</loc><lastmod>2026-05-14T14:50:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-and-the-fiqh-of-crisis-management-session-2/</loc><lastmod>2026-05-14T14:50:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-and-the-fiqh-of-crisis-management-session-1/</loc><lastmod>2026-05-14T14:50:06+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-and-the-fiqh-of-crisis-management-resolution/</loc><lastmod>2026-05-14T14:50:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fintech-and-islamic-social-finance-in-light-of-the-covid-19-pandemic/</loc><lastmod>2026-05-14T14:50:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%ac%d8%a7%d8%a6%d8%ad%d8%a9-%d9%83%d9%88%d8%b1%d9%88%d9%86%d8%a7-%d9%88%d8%a7%d9%84%d8%a7%d8%b3%d8%aa%d8%ab%d9%85%d8%a7%d8%b1-%d8%a7%d9%84%d9%85%d8%b3%d8%a4%d9%88%d9%84-%d8%a7%d8%ac%d8%aa%d9%85/</loc><lastmod>2026-05-14T14:50:10+08:00</lastmod></url><url><loc>https://ifikr.my/resources/penggunaan-dana-zakat-bagi-pembiayaan-asnaf-yang-terkesan-dengan-pandemik/</loc><lastmod>2026-05-14T14:50:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/pembentangan-resolusi/</loc><lastmod>2026-05-14T14:50:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/crowdfunding-sumber-kewangan-alternatif-ketika-pandemik/</loc><lastmod>2026-05-14T14:50:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/industri-takaful-pindaan-klausa-dana-tabarru/</loc><lastmod>2026-05-14T14:50:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/pasca-moratorium-cabaran-dan-hala-tuju/</loc><lastmod>2026-05-14T14:50:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/industri-perbankan-islam-isu-isu-dalam-implementasi-moratorium/</loc><lastmod>2026-05-14T14:50:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/sdgs-and-islamic-financial-institutions-driving-responsible-and-sustainable-finance-beyond-covid-19/</loc><lastmod>2026-05-14T14:50:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/pakar-shariah-dan-covid-19-membentuk-semula-industri-kewangan-islam-di-era-baru/</loc><lastmod>2026-05-14T14:50:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/the-role-of-waqf-zakat-in-combating-the-effects-of-the-covid-19-pandemic/</loc><lastmod>2026-05-14T14:50:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/covid-19-aftermath-can-islamic-economy-be-the-way-forward/</loc><lastmod>2026-05-14T14:50:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-social-fintech-in-expanding-an-inclusive-and-sustainable-digital-economy/</loc><lastmod>2026-05-14T14:50:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-fintech-ecosystem-connecting-the-dots-session-4/</loc><lastmod>2026-05-14T14:50:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-fintech-ecosystem-connecting-the-dots-session-5/</loc><lastmod>2026-05-14T14:50:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-fintech-ecosystem-connecting-the-dots-session-3/</loc><lastmod>2026-05-14T14:50:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-fintech-ecosystem-connecting-the-dots-session-2/</loc><lastmod>2026-05-14T14:50:27+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-fintech-ecosystem-connecting-the-dots-session-1/</loc><lastmod>2026-05-14T14:50:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-balancing-between-the-norm-and-the-exception-session-4/</loc><lastmod>2026-05-14T14:50:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-balancing-between-the-norm-and-the-exception-session-2/</loc><lastmod>2026-05-14T14:50:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-balancing-between-the-norm-and-the-exception-session-7/</loc><lastmod>2026-05-14T14:50:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-balancing-between-the-norm-and-the-exception-session-6/</loc><lastmod>2026-05-14T14:50:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-balancing-between-the-norm-and-the-exception-session-5/</loc><lastmod>2026-05-14T14:50:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-balancing-between-the-norm-and-the-exception-session-3/</loc><lastmod>2026-05-14T14:50:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-balancing-between-the-norm-and-the-exception-session-1/</loc><lastmod>2026-05-14T14:50:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/providing-fintech-insight-to-disruptors-and-the-disrupted-part-4/</loc><lastmod>2026-05-14T14:50:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/providing-fintech-insight-to-disruptors-and-the-disrupted-part-3/</loc><lastmod>2026-05-14T14:50:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/providing-fintech-insight-to-disruptors-and-the-disrupted-part-2/</loc><lastmod>2026-05-14T14:50:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/providing-fintech-insight-to-disruptors-and-the-disrupted-part-1/</loc><lastmod>2026-05-14T14:50:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%b1%d8%a4%d9%8a%d8%a9-%d8%a7%d9%84%d9%87%d9%8a%d8%a6%d8%a7%d8%aa-%d8%a7%d9%84%d8%af%d8%a7%d8%b9%d9%85%d8%a9-%d9%84%d9%84%d8%b5%d9%86%d8%a7%d8%b9%d8%a9-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9/</loc><lastmod>2026-05-26T14:58:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%aa%d9%82%d9%88%d9%8a%d9%85-%d8%a5%d8%b3%d9%87%d8%a7%d9%85%d8%a7%d8%aa-%d8%a7%d9%84%d9%85%d8%b5%d8%a7%d8%b1%d9%81-%d8%a7%d9%84%d9%85%d8%b1%d9%83%d8%b2%d9%8a%d8%a9-%d9%81%d9%8a/</loc><lastmod>2026-05-26T14:57:59+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d9%85%d9%88%d8%a7%d8%a1%d9%85%d8%a9-%d8%a8%d9%8a%d9%86-%d8%a7%d9%84%d8%b6%d9%88%d8%a7%d8%a8%d8%b7-%d8%a7%d9%84%d8%b4%d8%b1%d8%b9%d9%8a%d8%a9-%d9%88%d9%85%d8%a8%d8%a7%d8%af%d9%89/</loc><lastmod>2026-05-26T14:55:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/shariah-harmonisation-and-regulatory-consolidation-bnm-experience-issf-2013-prof-dr-engku-rabiah-adawiah/</loc><lastmod>2026-05-14T12:58:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d9%85%d9%88%d8%a7%d8%a1%d9%85%d8%a9-%d8%a8%d9%8a%d9%86-%d8%a7%d9%84%d9%82%d9%88%d8%a7%d8%b9%d8%af-%d8%a7%d9%84%d8%b4%d8%b1%d8%b9%d9%8a%d8%a9-%d9%88%d8%a8%d9%8a%d9%86-%d9%82%d9%88%d8%a7/</loc><lastmod>2026-05-26T14:53:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%aa%d9%82%d9%88%d9%8a%d9%85-%d8%a5%d8%b3%d9%87%d8%a7%d9%85%d8%a7%d8%aa-%d8%a7%d9%84%d9%85%d8%a4%d8%b3%d8%b3%d8%a7%d8%aa-%d8%a7%d9%84%d8%af%d8%a7%d8%b9%d9%85%d8%a9-%d9%84%d9%84%d8%b5%d9%86%d8%a7/</loc><lastmod>2026-05-26T14:50:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d9%85%d9%88%d8%a7%d8%a1%d9%85%d8%a9-%d8%a8%d9%8a%d9%86-%d8%a7%d9%84%d8%b6%d9%88%d8%a7%d8%a8%d8%b7-%d8%a7%d9%84%d8%b4%d8%b1%d8%b9%d9%8a%d8%a9-%d9%88%d9%85%d8%a8%d8%a7%d8%af%d8%a6-%d8%a7/</loc><lastmod>2026-05-26T14:46:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/resolution-issf-9-issf-2014-final-resolution/</loc><lastmod>2026-05-14T12:58:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/efforts-to-control-and-upgrade-the-legal-framework-governing-international-financial-transactions-bnm-issf-2015-prof-dr-engku-rabiah-adawiah/</loc><lastmod>2026-05-14T12:58:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/resolution-issf-10-issf-2015-final-resolution/</loc><lastmod>2026-05-14T12:58:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d8%ac%d9%84%d8%b3%d8%a9-%d8%a7%d9%84%d8%a3%d9%88%d9%84%d9%89-%d9%85%d8%a8%d8%af%d8%a3-%d8%a7%d9%84%d9%85%d8%b5%d8%b1%d9%81%d9%8a%d8%a9-%d8%a7%d9%84%d8%a7%d8%ac%d8%aa%d9%85%d8%a7%d8%b9/</loc><lastmod>2026-05-26T14:45:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d8%ac%d9%84%d8%b3%d8%a9-%d8%a7%d9%84%d8%a3%d9%88%d9%84%d9%89-%d9%85%d8%a8%d8%af%d8%a3-%d8%a7%d9%84%d9%85%d8%b5%d8%b1%d9%81%d9%8a%d8%a9-%d8%a7%d9%84%d8%a7%d8%ac%d8%aa%d9%85%d8%a7%d8%b9-2/</loc><lastmod>2026-05-26T14:43:03+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d8%ac%d9%84%d8%b3%d8%a9-%d8%a7%d9%84%d8%ab%d8%a7%d9%86%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5%d8%b7%d8%a7%d8%b1-%d8%a7%d9%84%d8%aa%d9%86%d8%b8%d9%8a%d9%85%d9%8a-%d9%88%d8%a7%d9%84%d8%b1%d9%82/</loc><lastmod>2026-05-26T14:40:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d8%ac%d9%84%d8%b3%d8%a9-%d8%a7%d9%84%d8%ab%d8%a7%d9%86%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5%d8%b7%d8%a7%d8%b1-%d8%a7%d9%84%d8%aa%d9%86%d8%b8%d9%8a%d9%85%d9%8a-%d9%88%d8%a7%d9%84%d8%b1%d9%82-2/</loc><lastmod>2026-05-26T14:38:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d8%ac%d9%84%d8%b3%d8%a9-%d8%a7%d9%84%d8%ab%d8%a7%d9%86%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5%d8%b7%d8%a7%d8%b1-%d8%a7%d9%84%d8%aa%d9%86%d8%b8%d9%8a%d9%85%d9%8a-%d9%88%d8%a7%d9%84%d8%b1%d9%82-3/</loc><lastmod>2026-05-26T14:34:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d8%ac%d9%84%d8%b3%d8%a9-%d8%a7%d9%84%d8%ab%d8%a7%d9%86%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5%d8%b7%d8%a7%d8%b1-%d8%a7%d9%84%d8%aa%d9%86%d8%b8%d9%8a%d9%85%d9%8a-%d9%88%d8%a7%d9%84%d8%b1%d9%82-4/</loc><lastmod>2026-05-26T14:33:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d8%ac%d9%84%d8%b3%d8%a9-%d8%a7%d9%84%d8%ab%d8%a7%d9%84%d8%ab%d8%a9-%d8%b9%d8%b1%d8%b6-%d9%84%d9%84%d8%aa%d8%ac%d8%a7%d8%b1%d8%a8-%d9%88%d8%a7%d9%84%d9%86%d9%85%d8%a7%d8%b0%d8%ac-%d8%a7/</loc><lastmod>2026-05-26T14:28:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d8%ac%d9%84%d8%b3%d8%a9-%d8%a7%d9%84%d8%ab%d8%a7%d9%84%d8%ab%d8%a9-%d8%b9%d8%b1%d8%b6-%d9%84%d9%84%d8%aa%d8%ac%d8%a7%d8%b1%d8%a8-%d9%88%d8%a7%d9%84%d9%86%d9%85%d8%a7%d8%b0%d8%ac-%d8%a7-2/</loc><lastmod>2026-05-26T14:25:58+08:00</lastmod></url><url><loc>https://ifikr.my/resources/successful-models-of-the-exisiting-islamic-social-financel-a-malaysian-experience-of-mywakaf-initiatives-issf-2019-s3-ustaz-mohd-nazri-chik/</loc><lastmod>2026-05-26T14:21:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/successful-models-of-the-existing-islamic-social-banks-and-social-finance-lessons-from-amanah-ikhtiar-malaysia-aim-issf-2019-s3-prof-engku_paper/</loc><lastmod>2026-05-26T14:18:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d8%ac%d9%84%d8%b3%d8%a9-%d8%a7%d9%84%d8%b1%d8%a7%d8%a8%d8%b9%d8%a9-%d8%a7%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d9%88/</loc><lastmod>2026-05-26T14:16:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d8%ac%d9%84%d8%b3%d8%a9-%d8%a7%d9%84%d8%b1%d8%a7%d8%a8%d8%b9%d8%a9-%d8%a7%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d9%88-2/</loc><lastmod>2026-05-26T14:13:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d8%ac%d9%84%d8%b3%d8%a9-%d8%a7%d9%84%d8%b1%d8%a7%d8%a8%d8%b9%d8%a9-%d8%a7%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d9%88-3/</loc><lastmod>2026-05-26T14:12:08+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d8%ac%d9%84%d8%b3%d8%a9-%d8%a7%d9%84%d8%ae%d8%a7%d9%85%d8%b3%d8%a9-%d8%aa%d9%82%d9%88%d9%8a%d9%85-%d9%85%d9%86%d8%aa%d8%ac%d8%a7%d8%aa-%d9%88%d8%a3%d8%af%d9%88%d8%a7%d8%aa-%d8%a7%d9%84/</loc><lastmod>2026-05-26T14:10:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d8%ac%d9%84%d8%b3%d8%a9-%d8%a7%d9%84%d8%ae%d8%a7%d9%85%d8%b3%d8%a9-%d8%aa%d9%82%d9%88%d9%8a%d9%85-%d9%85%d9%86%d8%aa%d8%ac%d8%a7%d8%aa-%d9%88%d8%a3%d8%af%d9%88%d8%a7%d8%aa-%d8%a7%d9%84-2/</loc><lastmod>2026-05-26T17:12:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/resolution-issf-15-issf-2020-final-resolution/</loc><lastmod>2026-05-14T12:58:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d8%aa%d9%83%d8%a7%d9%85%d9%84-%d8%a8%d9%8a%d9%86-%d9%82%d8%b7%d8%a7%d8%b9%d8%a7%d8%aa-%d8%a7%d9%84%d9%85%d8%a4%d8%b3%d8%b3%d8%a7%d8%aa-%d8%a7%d9%84%d8%b1%d8%a6%d9%8a%d8%b3%d8%a9-%d9%81/</loc><lastmod>2026-05-26T12:33:27+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d9%82%d8%b6%d8%a7%d9%8a%d8%a7-%d8%a7%d9%84%d8%b4%d8%b1%d8%b9%d9%8a%d8%a9-%d8%a7%d9%84%d9%85%d8%b3%d8%aa%d8%ac%d8%af%d8%a9-%d9%84%d8%ac%d8%a7%d8%a6%d8%ad%d8%a9-%d9%83%d9%88%d8%b1%d9%88/</loc><lastmod>2026-05-26T12:29:59+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%b4%d9%88%d8%a7%d9%87%d8%af-%d9%88%d9%86%d9%85%d8%a7%d8%b0%d8%ac-%d9%85%d9%86-%d8%a7%d9%84%d8%a3%d8%b2%d9%85%d8%a7%d8%aa-%d9%81%d9%8a-%d8%a7%d9%84%d9%81%d9%82%d9%87-%d8%a7%d9%84%d8%a5%d8%b3%d9%84-2/</loc><lastmod>2026-05-26T12:28:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d9%85%d9%82%d8%af%d9%85%d8%a7%d8%aa-%d8%a7%d9%84%d8%a3%d8%b3%d8%a7%d8%b3%d9%8a%d8%a9-%d9%84%d9%81%d9%82%d9%87-%d8%a7%d9%84%d8%aa%d8%b9%d8%a7%d9%85%d9%84-%d9%85%d8%b9-%d8%a7%d9%84%d8%a3/</loc><lastmod>2026-05-26T09:45:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d9%81%d9%82%d9%87-%d8%a5%d8%af%d8%a7%d8%b1%d8%a9-%d8%a7%d9%84%d8%a3%d8%b2%d9%85%d8%a7%d8%aa-%d9%88%d8%aa%d9%83%d8%a7%d8%aa%d9%81-%d8%a7%d9%84%d9%82%d8%b7%d8%a7%d8%b9%d8%a7%d8%aa-%d8%a7%d9%84%d9%85/</loc><lastmod>2026-05-14T12:58:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/role-of-regulatory-institutions-and-standards-setting-institutions-in-managing-economic-and-financial-crisis-issf-2021-dr-abdelilah-cibafi/</loc><lastmod>2026-05-14T12:58:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%aa%d8%ac%d8%b1%d9%8a%d8%af-%d8%a7%d9%84%d9%85%d9%82%d8%af%d9%85%d8%a7%d8%aa-%d8%a7%d9%84%d8%a3%d8%b3%d8%a7%d8%b3%d9%8a%d8%a9-%d9%84%d9%81%d9%82%d9%87-%d8%a7%d9%84%d8%aa%d8%b9%d8%a7%d9%85%d9%84/</loc><lastmod>2026-05-26T09:43:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/resolution-issf-16-issf-2021-final-resolution/</loc><lastmod>2026-05-14T12:58:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/legal-and-regulatory-framework-for-digital-finance-and-financial-inclusion-issf-2022-dr-aishath-muneeza/</loc><lastmod>2026-05-26T09:42:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%aa%d8%b9%d8%b2%d9%8a%d8%b2-%d8%a7%d9%84%d8%b4%d9%85%d9%88%d9%84-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a-%d9%85%d9%86-%d8%ae%d9%84%d8%a7%d9%84-%d8%a7%d9%84%d8%aa%d9%85%d9%88%d9%8a%d9%84-%d8%a7%d9%84-2/</loc><lastmod>2026-05-26T09:41:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/resolution-issf-17-issf-2022-final-resolution/</loc><lastmod>2026-05-14T12:58:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/maqasids-assessment-of-sustainability-indicators-issf-2023-prof-younes-soualhi/</loc><lastmod>2026-05-14T12:58:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d9%85%d8%b3%d8%a7%d9%87%d9%85%d8%a9-%d9%85%d8%b5%d8%b1%d9%81-%d8%a7%d9%84%d8%b3%d9%84%d8%a7%d9%85-%d8%a7%d9%84%d8%ac%d8%b2%d8%a7%d8%a6%d8%b1-%d9%81%d9%8a-%d8%aa%d8%ad%d9%82%d9%8a%d9%82/</loc><lastmod>2026-05-26T09:38:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/resolution-issf-18-issf-2023-final-resolution/</loc><lastmod>2026-05-14T12:58:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d9%85%d8%a8%d8%a7%d8%af%d8%a6-%d8%b5%d9%86%d8%a7%d8%b9%d8%a9-%d8%a7%d9%84%d9%82%d8%b1%d8%a7%d8%b1-%d8%a7%d9%84%d8%b4%d8%b1%d8%b9%d9%8a-%d9%81%d9%8a-%d8%a7%d9%84%d8%b5%d9%86%d8%a7%d8%b9%d8%a9-%d8%a7/</loc><lastmod>2026-05-26T09:37:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%aa%d9%82%d9%88%d9%8a%d9%85-%d8%a7%d9%84%d8%a5%d8%ac%d8%b1%d8%a7%d8%a1%d8%a7%d8%aa-%d8%a7%d9%84%d8%aa%d9%86%d8%b8%d9%8a%d9%85%d9%8a%d8%a9-%d9%84%d8%b5%d9%86%d8%a7%d8%b9%d8%a9-%d8%a7%d9%84%d9%82/</loc><lastmod>2026-05-26T08:35:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d9%85%d8%a8%d8%a7%d8%af%d8%a6-%d8%a7%d9%84%d8%b4%d8%b1%d8%b9%d9%8a%d8%a9-%d9%88%d8%a7%d9%84%d9%85%d8%b1%d8%aa%d9%83%d8%b2%d8%a7%d8%aa-%d8%a7%d9%84%d8%a3%d8%b3%d8%a7%d8%b3%d9%8a%d8%a9/</loc><lastmod>2026-05-26T08:33:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d9%85%d9%82%d8%a7%d9%84%d8%a7%d8%aa-%d9%81%d9%8a-%d8%b5%d9%86%d8%a7%d8%b9%d8%a9-%d8%a7%d9%84%d9%82%d8%b1%d8%a7%d8%b1-%d8%a7%d9%84%d8%b4%d8%b1%d8%b9%d9%8a-%d9%81%d9%8a-%d8%b6%d9%88%d8%a1-%d9%87%d9%8a/</loc><lastmod>2026-05-26T08:32:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a3%d8%b3%d8%a7%d8%b3%d9%8a%d8%a7%d8%aa-%d8%a7%d9%84%d9%82%d8%b1%d8%a7%d8%b1-%d9%81%d9%8a-%d8%a7%d9%84%d8%b5%d9%86%d8%a7%d8%b9%d8%a9-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d8%af%d8%b1%d8%a7/</loc><lastmod>2026-05-26T08:29:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/resolution-issf-19-issf-2024-final-resolutions/</loc><lastmod>2026-05-14T12:58:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-banking-models-full-fledged-subsidiary-and-window-shariah-regulatory-implications-islamic-banking-structural-models-features-and-shariah-parameters/</loc><lastmod>2026-05-26T08:25:58+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-windows-and-the-evolution-of-financial-intermediation-issf-2025-s1-sheikh-dr-bashir-aliyu-umar/</loc><lastmod>2026-05-26T08:22:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/models-of-islamic-banking-jurisdictional-realities-and-emerging-challenges-issf-2025-s1-sheikh-dr-muhamad-nizam-salih/</loc><lastmod>2026-05-26T08:22:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/the-role-of-uzbekistan-in-advancing-islamic-banking-issf-2025-s1-sheikh-dr-muhammad-imran-ashraf-usmani/</loc><lastmod>2026-05-26T08:21:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/the-crucial-role-of-regulators-in-banking-conversion-issf-2025-s2-datuk-professor-dr-mohamad-akram/</loc><lastmod>2026-05-25T16:27:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/shariah-governance-and-regulatory-oversight-in-bank-conversion-issf-2025-s2-dr-abdulbari-mashal/</loc><lastmod>2026-05-25T16:26:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/the-role-of-shariah-governance-in-financial-institutions-issf-2025-s2-dr-said-adekunle-mikail/</loc><lastmod>2026-05-25T16:25:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/the-role-of-shariah-governance-in-the-banking-conversion-process-issf-2025-s2-sheikh-professor-dr-ali-muhiyaddin-al-qaradaghi/</loc><lastmod>2026-05-25T15:21:56+08:00</lastmod></url><url><loc>https://ifikr.my/resources/the-values-of-islamic-banking-services-towards-a-sustainable-financial-system-issf-2025-s2-sheikh-professor-dr-ali-muhiyaddin-al-qaradaghi_v2/</loc><lastmod>2026-05-25T15:00:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/exemptions-and-ideals-in-islamic-finance-a-call-for-renewal-issf-2025-s3-dr-sami-al-suwailem/</loc><lastmod>2026-05-25T14:59:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-and-the-higher-objectives-of-shariah-issf-2025-s3-prof-dr-said-bouheraoua/</loc><lastmod>2026-05-25T14:58:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/maqasid-consideration-in-financial-product-offerings-within-the-framework-of-banking-conversion-issf-2025-s3-prof-dr-younes-soualhi/</loc><lastmod>2026-05-25T14:57:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/resolution-issf-20-issf-2025-final-resolutions/</loc><lastmod>2026-05-14T12:58:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f77c584e3a81cf0b39c9d64f2dafa0e4-a-promise-to-buy-or-sell-currency-at-a-future-date/</loc><lastmod>2026-05-11T09:17:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f34d2a57726b168103154ea19fd6478b-can-a-tenant-cancel-a-lease-agreement-before-using-the-usufruct/</loc><lastmod>2026-05-11T09:17:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/52ea8ecdafba45bf3a7f65934ab90ff3-a-promise-to-buy-or-sell-gold-or-silver-at-a-future-date/</loc><lastmod>2026-05-11T09:17:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/880c1d1b57d4f01f6ae4892d0cf9f4b1-an-islamic-bank-has-multiple-accounts-in-different-currencies-with-a-foreign-bank-some-overdrawn-and-some-with-positive-balance/</loc><lastmod>2026-05-11T09:17:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/73f01194bcea271ecccde170d71c0a38-can-one-partner-lease-his-half-of-a-jointly-owned-asset-to-another-partner/</loc><lastmod>2026-05-11T09:17:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3b70340b56342c5cd08694d9dbbff13c-are-currency-option-contracts-legal/</loc><lastmod>2026-05-11T09:17:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bd76996bd047f9cd35fca14875addc54-can-the-building-owner-pay-tenants-to-leave-before-the-lease-expires/</loc><lastmod>2026-05-11T09:17:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a3b85d4ecf12e524e9e3f0aa9909a08f-can-a-murabahah-deal-be-combined-with-a-foreign-currency-exchange/</loc><lastmod>2026-05-11T09:17:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/da9ec993ac318d91a2344a2a892e10b9-can-the-bank-use-two-different-rates-to-sell-foreign-currency/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b5e638265fd3edda8062297072491d03-can-the-lessor-invest-the-tenants-security-deposit/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/01109ba2422f1bfca8fd34e942661036-charging-one-price-for-a-simple-sale-of-foreign-currency-and-another-price-for-a-foreign-exchange-plus-remittance/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/db2607e391a280791b59d510ed986049-can-the-lessor-unilaterally-modify-the-lease-to-pass-on-increased-costs/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/322ec6b343f709eb0e22ce14b87639bc-depositing-gold-with-a-moneychanger-and-authorizing-him-to-sell-it-to-himself-or-someone-else-on-behalf-of-the-depositor/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/055866ec64aa326abec9143fbe916b86-exchanging-a-deferred-payment-bond-in-a-currency-other-than-the-currency-used-to-issue-the-bond/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/039c7e035d336d6f1741af5a6e0f9a03-can-usufruct-or-a-service-be-purchased-and-then-resold-to-a-third-party/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6cba876076ff8853185911ded21ddec1-extent-of-permissibility-of-trading-in-currencies/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/38286311a4c6f0e06c891e7ec0d5b583-does-the-client-or-the-contractor-have-the-right-to-the-subcontractors-reduction-of-charges-after-the-bid-has-been-accepted/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ec975ba5c3064eb455219e07a11c0c38-giving-a-customer-facilities-to-buy-foreign-currency/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bdb0224fd52cc18a7c179e72d4ee05f5-is-it-permissible-for-two-parties-to-agree-to-a-currency-exchange-at-a-price-different-from-the-prevailing-rate/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/33d8d3c6e92ae8041b945fd203525c6c-does-the-manager-of-a-real-estate-portfolio-have-to-pay-the-investors-rent-for-the-use-of-office-space-in-a-portfolio-building/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f04559a9de35ae0bd08fa9524abbeab2-is-it-permissible-to-charge-a-fee-for-cashing-a-check-in-a-foreign-currency/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1b619a9ed0b4d41dc4886cc68c582ce2-is-it-permissible-to-settle-an-undeferred-liability-in-gold-with-cash/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/be76a24bb33f6721100148a1d3885301-is-the-exchange-of-two-different-currencies-considered-like-an-exchange-of-gold-for-gold/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cfcff9ede669b6a15ce2d5668dcdae65-mitigating-the-risk-of-foreign-exchange-fluctuations/</loc><lastmod>2026-05-11T09:17:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3bc7f82c4e4c14d67c874ffa09da4dc6-paying-for-a-foreign-currency-purchase-by-offsetting-a-debt/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6629a52f2e703c7945f23b27ab924e2f-right-to-buy-currencies/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/20dad7fae958e33aaa1a1fbc321c77f5-extension-of-leasing-period/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d32fb34f2fbc025d1e73187877e62418-t2-delivery-in-foreign-exchange-transactions/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/70b90744bb2ff2edf9f38dc9dd8f2ff2-using-an-overdraft-facility-at-a-bank-to-buy-foreign-currency/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e9226f469f4d898ad85564b7f69979ba-which-days-exchange-rate-should-be-used-in-repaying-the-bank-for-withdrawals-on-a-bounced-foreign-check/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/df0a0e8e760cf97770c051f76bb63e99-who-should-bear-the-exchange-difference-when-cashing-a-check-in-a-foreign-currency/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d2b4f7b82e7c848368921387d7854239-a-promise-to-sell-currency-in-the-future/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/04f06d78a65b3e3171fc572ec4634104-financing-interval/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2630a0831a35ad92955db26938465c29-gifting-an-asset-at-the-end-of-a-lease/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7fe537fcebc1576a9a8e3cccca19b920-insurance-expenses-paid-by-lessee/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/209451eb5821978c83c3db037192a36e-leasing-an-asset-to-someone-who-may-use-it-for-unlawful-acts/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/06e8ab4c34997b9275167100858bb7ab-leasing-combined-with-property-development/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/06107ea6c7e463f5388a7e952f6bbbfb-leasing-fund-calculating-zakah/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8f2de3d487b6e3f7213c140748caa0e1-leasing-investment-formula/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ad44b09eb8ba515691d9aaf08402ac3c-leasing-software/</loc><lastmod>2026-05-11T09:17:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3381be796c54ac9d2451b97b60c9b339-maintenance-expenses-maximum-allowable-amount/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4dde37eecc2fc4b05767302f0d61e471-penalty-on-non-fulfillment-of-ijarah/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/de2b2a14cc09c63dc899f65b93e93b1b-promise-to-lease-and-transfer-ownership/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d0c49d716209a07f7adf3c604149e444-purchase-lease-sale/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3ed20f489277cdfa30f62c22856b32c2-renting-property-to-a-non-muslim-embassy/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cae33788c81edbcdc050f54212a81c41-sale-and-lease-back/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b980aa8fc4f699567afceef94fbfcafa-selling-or-buying-something-leased-to-a-third-party/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5aa0b4e8afdb0cec98d0443b005912ed-setting-the-sale-price-of-a-hire-purchase-property-before-the-sale/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/586b769e29763efd8b52542c410ce5fe-sublease/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/34996095c360b52c1884c76597c8e6e6-transfer-of-contract-with-the-intention-of-absconding-ones-responsibilities/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/22f48e5c3f3fcfe53beb369f4ef599af-using-a-brokers-to-find-a-lessee/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f8d7de1956ff13b3030a831163880472-when-land-is-rented-to-build-a-piece-of-property-upon-it-when-is-the-rental-fee-assessed/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9aeaabf436a73cb1a96486b220ec5a26-who-is-liable-for-damages-to-rental-property/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0bd895e91490290c12c08e99b5b32c68-resolution-no-2-zakah-of-non-fungible-objects-and-lands-which-are-leased-out-and-not-cultivated/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/396d3918d15c5217cf6c3cc09f8de07f-zakah-on-leased-asset/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/84985168dffe693bd1e67a90fadeab0c-can-a-contractor-be-fined-for-a-delay-in-completing-a-job-if-no-damage-results-from-the-delay/</loc><lastmod>2026-05-11T09:17:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bb2289eed90e43218bf23a87f2dcae1f-can-a-new-contractor-take-over-a-construction-project-started-by-another-contractor/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/36e050eec49b68bf18e18576a598d9f6-can-a-project-manager-invite-bids-from-contractors-and-also-submit-its-own-bid-for-the-same-project/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7150898806092d1d720b53ea8a9b7f17-can-an-islamic-company-build-a-school-for-a-client-who-will-run-it-as-a-mixed-gender-operation/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/53e0f498699879dda5a3c25291bfc584-can-the-client-pay-the-contractor-the-full-fee-that-the-contractor-paid-the-sub-contractor-plus-a-certain-percentage/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e988df705ed0214678ab90ecef7e8f94-can-the-customer-ask-the-bank-to-take-his-place-in-a-construction-contract/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/923878be6ab5a11da272cdf9e5fedafe-can-the-end-customer-guarantee-the-work-of-the-contractor-in-a-construction-contract/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0f312da5cb99d19e168d4ec73524fe82-can-the-public-be-invited-to-invest-in-an-unbuilt-real-estate-project-if-the-land-and-designs-are-ready/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/048cb6f2683a62e129ec255ca09949a8-contractual-price-of-istisnaa-linked-to-the-period-of-execution/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f47f9856ffe4c9a1f8f7787e42655321-guarantee-from-a-contractor/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8a30e797ab32f5a120cdda541a532b9a-if-the-customer-negotiates-design-changes-after-a-construction-contract-has-been-signed-with-the-bank-does-that-affect-the-banks-agreement-with-the-builder/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6ba6d65fc0ab55c968cf80dd8a6bf4cb-is-it-legal-to-combine-a-construction-and-lease-to-own-contract/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/64ad9bbd23dde959eddb86fe0ca83c48-is-it-permissible-to-pay-a-contractor-a-down-payment-followed-by-periodic-installments-to-build-a-building/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dd6c9d7db05c2a653d00c9e7c05b99fc-issue-of-partial-completion-in-istisnaa/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a2b3a395893e5bdd9e64f39bdbc36655-resolution-no-129-14-3-muqawalah-and-construction-contract/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/aa8291d0a0740dc9d07b7fc88f5071dc-parallel-istisna-contractual-relationship/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/36fef27db89103e8a261e78bea4376ad-permissibility-of-muqawalah-in-construction/</loc><lastmod>2026-05-11T09:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/75ac13bfbbf81d0bc8a40a7a8f0c671c-resolution-no-50-1-6-real-estate-financing/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2a16fe4b758eaa372f6379a3942cd6b0-selling-condominiums-before-they-are-completed/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ca7dada9db0d5f479d6ec641e3c14fc7-selling-what-is-purchased-by-istisna-before-its-delivery/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a684c487ad9aa3a007c7452e2955657f-when-a-government-agency-hires-a-contractor-to-build-housing-for-citizens-is-it-lawful-for-the-citizens-to-request-changes-to-the-basic-plan-if-they-agree-to-pay-for/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1f271a9e57e6de7c133a2a7033b61b94-who-bears-the-expenses-for-executing-new-building-code-requirements-imposed-after-the-construction-contract-has-been-signed-between-the-subcontractor-and-the-bank/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7d9bfe1904ccc517d07aee03446cd05b-who-bears-the-expenses-for-inadvertent-mistakes-in-administering-a-building-contract/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/646702618cca5fff324060770e797a3c-a-fee-for-renewal-of-a-bank-guarantee/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/df4a8fd74e819c916d7dc8ca70f179ac-can-a-trucking-company-charge-its-truckers-a-commission-for-acting-as-an-intermediary-with-the-government/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4936ad440ac7c2b178d399eb2810ed7b-can-an-islamic-bank-ask-a-client-to-provide-a-conventional-bank-as-a-guarantor/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4e366086648b4ad7383f05f6e36c4562-can-an-islamic-bank-charge-a-fee-for-issuing-a-letter-of-guarantee/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0c9f37b1b53bbe70a202bed7da099119-can-the-agent-for-investment-be-the-guarantor-of-the-funding-recipient/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1dfe27837ffd1039e74d442ddce60fe9-can-the-bank-give-the-customers-representative-the-documents-needed-to-clear-the-goods-through-customs/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0438e6280dc8e858b4aa195e48e1219e-can-the-intermediate-seller-request-a-guarantee-from-the-purchase-undertaker-that-imported-goods-will-arrive-in-good-condition/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5d2658819110e5b6e8f0537bcb768c52-can-the-sellers-agent-for-collecting-payments-act-as-the-guarantor-of-the-buyer/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/82fa5e87a18c3344acd297c8a6472dd4-charging-fees-for-the-issuance-of-a-letter-of-guarantee-lg/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5cb7865f44da1881ffb26bdcfa59b8ff-if-the-customer-cancels-the-documentary-credit-how-is-the-fee-calculated/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a8a505964a01d004cd351a6479d937a2-is-an-application-for-documentary-credit-that-lacks-detail-valid/</loc><lastmod>2026-05-11T09:17:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7d918aa6fce9c9bfb10a505432e96c03-is-it-lawful-for-the-government-to-provide-a-guaranteed-minimum-profit-on-a-project/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/97af5d7e1fa8b86a71b02a7b5fbd7430-is-it-lawful-to-ask-the-guarantor-for-a-guaranteed-check-as-a-security-deposit/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0578a871ce4f9246cc550df9c217910a-issuing-kafalah-in-relation-to-conventional-banks/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/20066444d14bddefc2e2b768370274f4-issuing-lgs-for-soft-loans/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8e46ce47c619e70a83ec4bd3053fde7d-kafalah-renewal-fee/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/be05dc9c725c282e81ba4a24a5f754d0-lgs-from-conventional-banks-for-project-finance/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2f34d7a38e5d19a569016b137d396b02-should-an-islamic-bank-offer-a-guarantee-for-a-contractor-doing-a-job-for-a-riba-bank/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/850d64b5b8ce0c8cb852517543842c85-there-are-two-common-ways-to-execute-a-murabahah-sale-are-they-both-legal/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/28f00d494e842c01b1b5dc941971c80d-types-of-guarantee-that-can-be-taken/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/88022d3a6f5e2535bdd8c0a69d68412e-what-is-the-proof-that-a-bank-can-charge-for-the-expenses-of-issuing-a-letter-of-guarantee/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3176d03efb7aeb6614faaeb8b473a671-who-has-the-right-to-profits-earned-on-investment-of-funds-sequestered-to-secure-an-lc/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a20e4c05ab23d6d134791089baf7decf-agency-contract-minimum-selling-price-and-maximum-credit-period/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/46930785ac9e725493d71f07f6067e71-agency-role-declaration/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/36fd7197ce83dbab5fb68248d36e3960-agent-buyer-seller/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5cd8feb3c58be8bd9b6a8352142046f9-agent-as-the-guarantor/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cab16ed0ea9e86596db11980b3b803c9-agent-assuming-the-role-of-a-surety/</loc><lastmod>2026-05-11T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4aa2b31671560a91c045b770318c2262-agent-with-or-without-fees/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0f2b85254d5f6adbc6578b9f3dc5ff24-appointing-an-agent-to-sell-on-deferred-terms/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/44ea2fd1b915acbd1bfdafc1ea5adca2-appointment-of-agents/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c7338a37e2775539430ff47c798a74c6-autonomous-agency-notice/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d6050be8640a5b7359f765499637d274-being-the-agent-of-an-exporter/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/eaaa5ff0d0bd0e6af1adc425e5ad6f32-can-a-mudarib-sell-what-he-owns-to-his-principal-without-seeking-the-principals-permission/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/afe4e8224af46bb14b517e5f8965ebb7-can-the-owner-hire-an-agent-to-manage-the-leasing-of-his-property-for-a-specified-percentage-of-the-rent-that-includes-maintenance-and-insurance-costs/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/aef0a12518417e574b70a0449e6ac944-not-stating-the-remuneration-for-the-agent/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/433779f103693e2f318534e851a8657d-stipulating-conditions-in-an-agency-contract/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/11bf758f3b82b0ff139ddfffe09ac46c-tasks-of-an-agent-selling-on-deferred-terms/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cb9803ec31c0fcf07b1ac15c184c6070-the-dual-role-of-agent-buyer/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fcfbc94a7cd29ff85577cce5e67e3c07-a-correspondent-bank-wants-to-charge-the-islamic-bank-a-fee-for-its-part-in-issuing-a-letter-of-guarantee-can-the-islamic-bank-tell-it-to-charge-the-customer/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/77a46c42a9cabde2daa297b2e7b755ce-accounting-arrangements-for-recording-collection-of-doubtful-debts/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f2c85ceecdb6d29a6ce3ff55a3f89605-an-islamic-bank-has-an-account-in-foreign-currency-with-a-foreign-bank-and-vice-versa-can-they-treat-each-others-deposits-as-non-interest-loans-for-investmen/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/aa3f031a52013c438788827553203946-the-islamic-development-bank-inquiry-regarding-financing-long-term-infrastructure-projects/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4c6fb404f399a566aacce4624d9cca36-can-a-conventional-bank-deposit-be-used-as-pawn-for-the-benefit-of-islamic-banks/</loc><lastmod>2026-05-11T09:17:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5a8e840d9a2eefa955f65a089ed0ef5d-can-an-islamic-bank-let-companies-that-deal-with-usury-have-current-or-investment-accounts/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dd3e754902ca912d3a625885f0c85537-can-an-islamic-bank-charge-a-fee-for-the-expenses-incurred-in-processing-a-customers-transfer-of-debt/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ee6087517af74aeea3d00837f99673cb-can-high-net-worth-accountholders-be-promised-special-privileges/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d7676179274948be52c79132234a4564-can-the-bank-impose-charges-on-withdrawals-from-a-current-account/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b72b83a15145736fd71030384c051d55-can-the-bank-impose-restrictions-on-withdrawals-from-a-current-account/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a8e8e6547272faa72e9025b136dd7d3b-can-two-banks-agree-to-allow-each-other-overdraft-privileges-as-interest-free-loans/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2daa37ed8b0b263d3cb312a66c30b26c-changing-a-check-in-a-foreign-currency-what-days-price-should-be-recorded/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5f118fbb6136c940da9baacdaea62afd-charging-a-fee-for-travelers-checks-in-a-foreign-currency/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/10470e52cf83ff2d002c1416f477e187-charging-a-fee-to-change-the-name-on-the-promissory-note-for-a-car/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/16a1c18818746a0b1d786187b2ee90cc-charging-the-customer-a-fee-to-fix-a-mistake-made-by-the-bank/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c573752da2802392952cdf187c045b8f-claiming-legal-expenses-from-the-customers/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dae2bbd0d55709c9e33396d6a59108d1-debt-transfer-at-par/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4ecd7ba186ef38676d6f4ad9bee89e9e-discount-for-early-payment/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b68d367ee29cc02518e6a9af853a27cd-dollars-are-purchased-at-different-prices-on-the-same-day-which-price-should-the-customers-be-charged/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fb7b57c978863088851212be3f970199-entering-into-a-construction-contract-with-a-conventional-bank/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/33bbea4b28df20e36d8a73c7ad40ecee-giving-hibah-as-compensation-for-delayed-payments/</loc><lastmod>2026-05-11T09:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1b33390ae687b64cd3e068b65d1c659f-guarantees-as-separate-contracts-in-musharakah-mudarabah-wakala/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/031acb3ac604c42c0d49b22b40fd8022-if-a-current-account-holder-incurs-a-debt-with-the-islamic-bank-is-it-considered-an-advance-on-the-banks-debt-to-the-customer/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/42bca4cab89ce1cbcafb626b75287ed4-investments-using-funds-in-accounts-set-aside-for-insurance-on-leased-apartments/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a6b1b0f5c87dcde10140323f8b5bcdf5-is-it-lawful-for-a-debtor-to-offer-to-pay-part-of-a-debt-before-the-due-date-on-the-condition-that-extra-time-be-given-to-pay-the-rest/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ffc3abc56b4512f767dd303610735648-is-the-conventional-procedure-for-dealing-with-lost-checks-acceptable/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/00e79d6b19b7223b6fa4da89d9fe3970-pawning-for-the-benefit-of-a-conventional-bank/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e84530230f07b7922ea0d2d03e5bb1b8-providing-customers-no-interest-loans-to-trade-currency-for-profit/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a973ad92c9770b351255dc70efb486e5-resolution-no-13-1-31-concerning-the-islamic-development-banks-inquiries/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9b5fc9257499aabf47e1187772b4b1ee-selling-travelers-checks/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f6c5d92e9d811394378612c7c066c2fb-syndicated-financing-between-islamic-and-conventional-institutions/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/637a66c5470229abfe7e14e5db1a59dc-the-bank-transfers-funds-into-a-clients-account-issues-a-certificate-that-he-has-that-amount-in-available-funds-then-withdraws-what-it-transferred/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9c33189020b4fe3e5c879a260324f449-the-customer-requests-a-bank-draft-to-cash-it-with-a-foreign-bank-which-will-charge-a-fee-for-cashing-it-does-the-issuing-bank-have-to-inform-the-customer-about-the/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8367e5448b913143b50b2d12159268ae-the-exchange-rate-to-be-used-on-an-unexpected-deposit-by-a-third-party-for-a-customer-in-a-correspondent-bank-when-knowledge-of-the-deposit-is-delayed/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f76cd41b913275ea5ddaeed8f415366b-the-owner-of-an-investment-deposit-account-relinquishes-his-account-to-other-depositors-for-an-agreed-price/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8771fca31928d1d539a39177341a3126-transfer-of-securities-to-pay-for-sale-of-debt/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2a4d3d66622201416d20ed1458dc49f8-using-current-account-deposit-as-pawn/</loc><lastmod>2026-05-11T09:17:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/af9a913d0e919f544627eb95e84cdc2f-what-is-to-be-done-with-tellers-positive-discrepancies/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2d73d8d11992400290709072d5b38579-what-should-be-done-with-small-cheques-issued-to-accountholders-who-cannot-be-located-or-contacted/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bbb1602ceb27d649dc4f65b648402760-what-to-do-with-profits-from-investment-accounts-closed-by-their-owners-when-the-old-address-is-not-valid/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8fcce10f8d20975ad7665dfac80ab887-which-days-exchange-rate-should-be-used-in-charging-the-customer-in-a-murabahah-sale/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/84d03f226971857e2505c8ca72db79f0-a-call-option-on-a-commodity/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4c9c84cd8317f4b08a5def0d63035087-a-discount-for-accelerated-payment-in-a-delayed-payment-contract/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6495b81614d361d4e2c9eeb3a2dd6bde-a-seller-agrees-to-accept-expired-products-from-the-buyer-and-replace-them-with-new-products/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/aa42f7cdf2c444e5bf5d5e1b79df01de-a-shariah-compliant-alternative-to-an-option-contract/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/376e31b0752a301a520322a20ef21efd-a-stipulation-that-doesnt-impede-the-legal-implication-of-the-deal/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5e342c1c3df976d29abd6d72334cc56b-are-promotional-contests-that-offer-prizes-a-form-of-gambling/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6e061494c3062923a46979d17ef7c70a-borrowing-gold-to-sell-it-with-periodic-settlements-with-the-original-owner/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ae7a851f06091260d58e1e44a76e41db-buying-gold-that-has-been-deposited-with-the-buyer/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/39e64b764b5d4ddc6d159c5fa584fd62-can-a-bank-choose-to-execute-a-sale-at-a-negotiated-price-rather-than-cost-plus-markup/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/57b42b56d3c888001761a556fbbadefc-can-a-bank-stipulate-up-front-that-if-a-customer-misses-a-payment-he-must-pay-two-instalments/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b4c033ce5d18314da2f312ca7889f054-can-a-brokers-fee-be-recovered-if-a-sale-is-terminated/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/88521ee01f0e152c19b12d46689a4f70-can-a-buyer-of-real-estate-stipulate-the-right-of-annulment-if-any-problems-are-found-with-the-property/</loc><lastmod>2026-05-11T09:17:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/900e9015e40aef62fab7d637da583107-can-a-creditor-make-his-loan-conditional-on-the-borrower-buying-from-or-selling-to-the-creditor/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6f4ea28cea74c95240a93f69490a359b-can-a-customer-islamically-transfer-a-travelers-check-to-another-person-in-the-same-currency/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/93e6d08c8037e107e65f03e9a09d82d3-can-a-financial-penalty-be-levied-on-late-payment-of-a-loan/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fd8639a69e89d7b902c75351c5ca1ffd-can-a-holding-company-sell-a-good-to-a-partially-owned-subsidiary-if-it-owns-less-than-50-of-the-subsidiary/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/560e9de9f0c054281e09d8176cccde05-can-a-lender-stipulate-a-reciprocal-loan-as-a-condition-for-lending/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d8fdcee437a554ba5f86ed62cff9835c-can-a-muslim-contractor-build-a-building-for-a-conventional-bank/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/34706b9d9fa5de25475defecf987cdbd-can-a-rich-debtor-who-delays-payment-be-made-to-pay-the-legal-costs-of-recovering-the-debt/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9e48e701661e48f4283d3e1397b9eacb-can-a-seller-of-goods-by-delayed-payment-buy-some-of-them-back-from-the-buyer-by-cash-payment/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/78bf75a96be67fda69d94ddad7f809a4-can-a-seller-stipulate-that-the-buyer-lease-the-property-to-him-after-purchasing-it/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2fca23f34212d8b81eb16550713e50df-can-an-islamic-bank-allow-a-client-with-a-large-account-to-remain-overdrawn-for-a-while/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/500196e48ee1bfc770dd57a52fc74343-can-an-islamic-bank-and-conventional-bank-loan-each-other-money-if-the-loans-bear-no-interest/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dcc7870d48a97748e2e309d432532781-can-an-islamic-bank-buy-a-company-that-runs-on-riba-in-order-to-change-it/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/af33ca37c8f07d1c4e5038d594e0dc86-can-an-islamic-bank-charge-a-customer-for-writing-a-bounced-check/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d0da8b622a4219cc34db6f6e4450c197-can-an-islamic-bank-charge-borrowers-for-administrative-expenses-related-to-managing-the-loans/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/07900bc6405fcca0d21cffab8fa273be-can-an-islamic-bank-fund-recreational-activities-for-its-workers-using-depositor-or-shareholder-funds/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4749081f652ac330767b38366d290e5c-can-an-islamic-bank-give-an-interest-free-loan-to-a-company-that-plans-to-use-it-for-currency-speculation/</loc><lastmod>2026-05-11T09:17:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9ba211d7af521acf9467cac08d0cedc0-can-an-islamic-bank-issue-a-guarantee-for-a-contractor-doing-work-for-a-conventional-bank/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/db8078b068316ba0a8b82af6f77cbec7-can-an-islamic-bank-partner-with-a-conventional-bank-in-a-lawful-project/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/537a597c17a0831780d39248c8cb5417-can-an-islamic-bank-provide-aid-to-certain-clients-in-return-for-keeping-accounts-with-the-bank/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e98fca14420297ba8c5285aaaf60234f-can-an-islamic-bank-receive-interest-from-the-central-bank/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/caa20d88c6ceb9b35c55f00a987e0a25-can-an-islamic-bank-sell-by-murabahah-to-a-usurious-institution-that-will-probably-sell-the-goods-by-interest-based-deals/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6bbd4690f96163986bd297a12c94683a-can-interest-be-used-to-pay-taxes/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/07593c786a42919b4bcc031ff6611641-can-one-party-take-two-separate-roles-in-one-investment-operation/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f147de7ffaa83eafdf95a51f91b6d8a6-can-someone-who-finds-clients-to-lease-property-charge-a-fee-for-doing-so/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8ac9ed2f58cddbe92c6873f1073a30b4-can-the-trade-license-be-made-part-of-the-price-when-selling-a-business/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/23f6ecadc8f31636bb78ad6a8245fb9f-can-two-companies-loan-each-other-offsetting-interest-free-loans-in-two-different-currencies/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d4274605e7643bebf470832713323b45-car-rental-ending-in-partial-transfer-of-ownership/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6a351ab4ad4c35e25e1066363cc640be-charging-a-25-commission-for-a-money-transfer/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/59ae5846b4c40e6b9ede8f8f03ff66ec-charging-a-fee-for-a-guarantee/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5a040cd4db5ca57fd92ad50019bfca9c-conducting-a-transaction-on-behalf-of-another-person-without-their-knowledge-1/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/431ff2c834b7502f9046fb2fc1954921-deferred-sale-of-a-precious-metal-other-than-gold-or-silver/</loc><lastmod>2026-05-11T09:17:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d2f0f976e2372a5b44a1a4736d397262-deferred-sales-of-shares-in-a-company-whose-cash-assets-exceed-its-tangible-assets/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f38833c59e9f5adbc3ea3e286cbe6272-does-islam-place-a-limit-on-profits/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/928efadc62a8330ee9d3a88b05629d61-giving-a-rebate-for-early-payment-in-a-deferred-purchase-sale/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c34979e60f246bb679434db8605c1733-how-does-resale-affect-the-buyers-option-to-annul-the-original-sale/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c9d59c2243cd1f9d980fcc8914cfbd2a-how-to-treat-an-overdraft-on-an-investment-account/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e46108641be2368291d53587eb6cee0f-if-the-manager-of-a-new-building-doesnt-consider-key-money-lawful-but-the-owner-does/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b4ad6b04d29dc34dd2f7149fc684a835-iqalah/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cb670973766362a43977d03559f5e7bb-is-an-exchange-of-deposits-a-type-of-loan-with-an-added-benefit/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7ee4f286f521e9a0a18e6597d0ec4c9f-is-an-islamic-bank-responsible-for-the-source-of-the-funds-by-which-the-debt-owed-to-it-is-repaid/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6ba0a5560853ff7ab1fbbaf5c43d854a-is-it-allowed-to-charge-a-late-penalty-on-a-credit-card-holder-if-he-misses-a-payment/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2d2a6c64cf53406f4ac82d98683bda80-is-it-allowed-to-rent-a-building-to-employees-of-an-interest-based-bank/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9fae35dd53eee961fcba05e3a09ef8ea-is-it-allowed-to-rent-a-property-to-an-interest-based-bank/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e9eb0c2db59e708adabab13460de3dcd-is-it-allowed-to-sell-a-government-issued-license-to-undertake-a-project/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9f860f294926d3c298e8beb45dab8d58-a-combined-cash-and-credit-sale/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5ba539da88d78cc584a34e39a69ca3fe-a-customer-approaches-the-bank-for-murabahah-after-having-concluded-an-agreement-with-the-exporter/</loc><lastmod>2026-05-11T09:17:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c7440d4214f92d9ea5f781a4c5d4efee-a-discrepancy-is-found-in-murabahah-goods-that-were-sold-before-possessing-them/</loc><lastmod>2026-05-11T09:18:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8eba0fe761aa1b351474676d10f17c03-a-murabahah-contract-that-involves-installation-by-the-original-seller-in-stages-linked-to-installment-payments-by-the-intermediate-seller/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/68f492a0756557f135a20d6c6fb86a15-a-murabahah-deal-where-the-original-seller-turns-out-to-be-the-spouse-of-the-purchase-undertaker/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8ca1c93b8beace24554f7a2af2e64acf-a-murabahah-sale-in-which-the-intermediate-seller-stipulates-that-the-original-seller-will-not-be-paid-until-the-end-buyer-tests-it/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8872966cc32aa68f60a00584d7592913-a-pre-existing-contract-between-the-original-seller-and-the-purchase-undertaker-in-murabahah/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c59a2fcf966c8df9167445e5f22f20a9-a-prospective-customer-has-already-made-a-down-payment-to-the-supplier/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/021bf86bbb8a2b76c7a57a6096762f8a-adding-assembly-expenses-to-the-cost-of-a-murabahah-deal-for-machinery/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a019b6c61b86ee6ba2a233b7e5e27206-additional-conditions-in-a-murabahah-contract/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/53e56df265d6877e9356e1e12ffcefb5-an-l-c-application-missing-details-about-the-goods-to-be-purchased/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d581e2671195c1c839cce3c6b6bca014-any-link-between-the-insurance-settlement-for-damaged-goods-and-the-sellers-settlement-with-the-purchase-undertaker/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/24388d4d6cc214d43e324568049d9815-asking-the-customer-for-a-share-of-his-profits-as-payment-for-a-murabahah-sale/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/25309885dd95aab3b83bf1e562c139d3-authorizing-the-buyer-to-act-as-the-sellers-agent-in-buying-from-the-exporter-and-selling-to-himself/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/352c12a2729e87ef7e6f0d3aac9e747c-buying-a-portion-of-a-land-through-murabahah/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5cd2c7c3ff6f6dc2699886c2857a7bec-buying-commodities-in-one-currency-and-selling-it-in-another-currency/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/88a23ba58c001933b0d9dadf3a7734f3-can-a-bank-seek-damages-from-a-purchase-orderer-who-breaks-his-promise-to-buy/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8fff961ca3af822b1600c9ecf9ac13e3-can-a-building-on-state-owned-land-be-sold-by-murabahah-without-the-land-it-sits-on/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/428cd0b1c20ad061684560fe3c49f6b6-can-a-contract-be-signed-with-a-purchase-undertaker-before-the-official-ownership-transfer-procedures-are-completed-1/</loc><lastmod>2026-05-11T09:17:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/48b14cd8137aaac2d60575def2a9666e-can-a-contractor-renegotiate-to-get-a-lower-price-from-its-subcontractors-without-passing-the-discount-to-the-customer-who-accepted-its-original-price/</loc><lastmod>2026-05-11T09:17:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/95f925f6a3ce879ee431316f44e23168-can-a-discount-be-claimed-for-early-payment-in-a-delayed-payment-sale/</loc><lastmod>2026-05-11T09:17:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1d31916a042fb0e75cb58738d67dc4eb-can-a-murabahah-sale-include-installation-and-start-up-operational-costs/</loc><lastmod>2026-06-10T11:05:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c1f79f68272a058bccd319812522314d-can-an-islamic-bank-facilitate-the-import-of-meat-that-is-not-islamically-slaughtered/</loc><lastmod>2026-06-10T11:06:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5deceb6c1bbf63f18643f080deb2678c-can-an-islamic-bank-sequester-funds-in-the-account-of-a-customer-who-applies-to-open-an-l-c/</loc><lastmod>2026-06-10T11:07:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9ba0c90ae5fbd38b8c97c2f7c1d9df66-can-earnest-money-be-kept-if-the-purchase-orderer-reneges-on-the-deal/</loc><lastmod>2026-06-10T11:07:58+08:00</lastmod></url><url><loc>https://ifikr.my/resources/16fd4e6180dcfad2b0cadb7af0684bdf-can-murabahah-occur-if-the-prospective-buyer-has-already-given-the-first-seller-a-down-payment/</loc><lastmod>2026-06-10T11:08:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/735d14d7b3147761acce7659d00473b8-can-one-buy-shares-of-jointly-owned-property-and-then-sell-them-to-one-of-the-partners-by-murabahah/</loc><lastmod>2026-06-10T11:09:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7b6e36fad420424b2c7d5546ef39f2df-can-real-estate-that-is-bought-and-resold-be-registered-directly-in-the-final-buyers/</loc><lastmod>2026-06-10T11:09:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/68d18038c5b851e362f90c3862c85aec-can-the-bank-sell-the-murabahah-goods-to-the-purchase-orderer-after-they-are-loaded-on-the-ship/</loc><lastmod>2026-05-11T09:17:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2403ed0757b52621ef378c79a617d763-can-the-murabahah-seller-raise-the-markup-if-the-deal-involves-advance-payment-that-will-extend-the-deals-timeline/</loc><lastmod>2026-05-11T09:17:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/29dc075acba3b550123615021955e2d0-can-the-primary-seller-give-a-performance-award-to-the-murabahah-buyer-for-retail-sales-of-its-products-and-ignore-the-middleman/</loc><lastmod>2026-05-11T09:17:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dd0d09c0f34c4de67dbcd40c92df8f7e-can-the-seller-in-a-murabahah-sale-retain-the-goods-as-security-until-the-buyer-pays-for-them/</loc><lastmod>2026-05-11T09:17:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5c5712c36d80fa5b1c80c19bc185fd65-cancelling-a-murabahah-contract/</loc><lastmod>2026-05-11T09:17:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8652d8be29dd3b4e95b6917a7916c721-charging-a-fee-for-annulling-a-sale-or-transferring-registration-of-ownership/</loc><lastmod>2026-05-11T09:17:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f36e5709e9608965d434e21d9fa5ba3c-charging-the-purchase-undertaker-for-assembly-of-purchased-equipment/</loc><lastmod>2026-05-11T09:17:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9bcf37ba704ff9d53a1f4a6075c77954-contractual-agreements-prevent-the-intermediate-murabahah-seller-from-buying-the-good-at-the-cheapest-available-price/</loc><lastmod>2026-06-10T11:03:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6ff59f48c6ade142a90d90a20f815c07-damage-to-or-loss-of-the-purchased-good/</loc><lastmod>2026-06-10T11:04:10+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b3c07c5f75e60c2b9a97f46c5a34b670-defects-in-the-subject-matter/</loc><lastmod>2026-05-11T09:17:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9be69883272dd3c1109f402f9a5cb200-deferred-guarantee-in-a-murabahah/</loc><lastmod>2026-05-11T09:17:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dbc22a76ef9ea44bbabad70713a4b5e3-deferred-installment-sale-issue-of-selling-assets-that-is-not-in-ones-possession-and-compensation-for-refusal-to-buy-the-subject-matter/</loc><lastmod>2026-05-11T09:17:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2a3799e0f9758707407c94466597d706-resolution-no-65-2-7-deferred-instalment-sale/</loc><lastmod>2026-06-10T10:48:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8ab68aad87ba78b1ba7874c99ef4c154-delay-in-receiving-the-goods/</loc><lastmod>2026-06-10T10:49:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/defe24edf6eb253965466b81936157c6-delay-in-setting-the-profit-margin-of-a-murabahah-sale-to-the-day-of-delivery/</loc><lastmod>2026-06-10T10:49:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/87e4b6d50ad83be3872130c8dfc413e5-delayed-payments-in-a-murabahah-contract/</loc><lastmod>2026-06-10T11:10:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f18b1e18fa15b2086611de4bad6925ce-does-the-buyer-have-a-right-to-the-discount-given-to-the-intermediate-seller/</loc><lastmod>2026-06-10T10:55:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4314a1c8a08fb56df38676622489bb2f-double-guarantee-in-murabahah/</loc><lastmod>2026-06-10T10:56:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b7fcf4912acaf4b89d953569cae96e57-early-settlement/</loc><lastmod>2026-06-10T10:57:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/def76b88f9d5e8dc78de4dc5c8c81c86-engaging-in-murabahah-to-buy-shares/</loc><lastmod>2026-06-10T10:57:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/75b327d1cdebfaa039e8a2d820dfd144-ensuring-proper-separation-of-contracts/</loc><lastmod>2026-06-10T10:59:08+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0448bbf52ba7e91693aa8ec4869743dd-extension-of-murabahah-period/</loc><lastmod>2026-06-10T10:59:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b769c9f1aa89a947b5a55ba0829154cf-fine-imposed-by-the-customs/</loc><lastmod>2026-06-10T11:01:54+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3ca2bb5dbb846d7f4406ba72f33f343f-giving-the-banks-accountholders-a-more-attractive-price-than-non-customers/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1f4abbbed1072bdb5e2433b8e0060693-guarantee-in-a-murabahah-contract/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e5edd2cf6611294a9ed62662e77c0b09-how-does-the-bank-record-the-profits-of-a-delayed-payment-murabahah-sale/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a0c20afbe1caf831135a1eb8d7047f7b-how-to-calculate-the-selling-price-in-murabahah/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8189663fd894f55343b534c03f5c5721-how-to-calculate-the-time-value-of-funds-in-determining-a-murabahah-price/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/019e19d73cbb1b58792b8d6cda799361-how-to-terminate-a-pre-existing-contract-in-order-to-effect-a-murabahah-sale/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ec585140664ccddb1280491284d60257-if-damage-to-the-ordered-goods-causes-a-reduction-in-the-price-does-it-affect-the-profit-asked/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/aa18bce5f16ad9d238d093079c7341e6-if-the-goods-arrive-before-the-documents-and-the-intermediate-seller-doesnt-know-the-actual-price-can-the-deal-be-switched-to-musawamah/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/13daa1a642429f0c8a3fb75398dbf673-if-the-party-that-promises-to-buy-a-good-and-resell-it-to-a-customer-does-not-buy-it-is-any-compensation-due/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0bef948f4a30d462f3ba7cbc62772a43-incidental-murabahah-expenses/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b7146af3a9fcc0249dc210bdb28946c0-increasing-a-murabahah-contracts-period-and-consideration/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b6d09edc4ec2d2cbfb7396e0e627cc40-informing-the-customer-of-lc-expenses-after-the-sale-contract-has-been-signed/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6ceb89e2e4c363b9b77543a16ef4d546-increasing-the-profit-rate-on-subsequent-murabahah-deals-due-to-late-payments-in-earlier-deals/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3d1e0d2d4c30c1bda59d2e347ec6237c-insurance-compensation-for-damaged-goods-exceeds-the-actual-loss-what-to-do-with-the-excess/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/73b17f6928e8283a7700dc4595c893f7-insurance-premium/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f007b6903b8e1873190914633270ea9e-investment-deposit-account-as-pawn-in-murabaha-financing/</loc><lastmod>2026-05-11T09:17:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/95d2b9951471c484993413bd3dd6a636-is-it-lawful-for-the-bank-to-ask-the-purchase-orderer-to-guarantee-it-against-damages-caused-to-the-bank-by-the-primary-seller/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/449b72bf37fd278f65c6129662869d5c-is-the-importers-acceptance-of-some-items-on-the-exporters-quotation-list-a-contract-that-prevents-effecting-a-murabahah-contract/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c6c2a3bbbaf6463fd9e8f160367e2656-issuance-of-an-lg-under-a-murabahah-transaction/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8df4e18034f9c2fe3ee742a69089b647-joint-purchase-followed-by-a-murabahah-resale-to-one-of-the-partners/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0cc3dea408d6edadcf30dcc612618c66-kafalah-in-a-murabahah-transaction/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/de6bd924672695aa61d7aaa66c7c4a57-lg-from-a-conventional-bank-as-security-in-murabahah/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/56d2669d5e941ea4835a263f2d39db1c-making-the-original-seller-the-banks-agent-to-sell-the-purchased-products-to-a-previous-prospective-customer/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cc46c04131f375b204f438b0ea0d9e80-murabahah-contract-restrictions-on-selling/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9100f3b44a97429d27030416a8e6aed7-murabahah-debt-restructuring-with-central-banks-as-guarantor/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3a4b15b27ec9bba80acd332abdb91f9a-murabahah-mudawarrah-circulated-murabahah/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6ab20649ca38a4e41f478b6b364fb236-murabahah-mudawwarah-actual-or-constructive-possession/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b78d7cdbab131ee23821a1fb740c8806-murabahah-on-shares/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3bd50d10c832eba700ad2624eae84857-murabahah-purchase-of-a-factory-with-its-outstanding-debt/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5a39a49c762e9ad447370dcb41417f59-murabahah-structure/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d578a1d4c2f039ced6321aa51e89e204-murabahah-to-buy-cassettes-containing-music/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/353dd172d077efaa5802cd0c0ce2dc82-murabahah-transaction-with-a-foreign-company/</loc><lastmod>2026-05-11T09:17:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a0b4141e6aa17bf2dbc576fabad47758-murabahah-with-exporting-and-importing-companies/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f07a0349704f65b65dd6534e59d9fc69-murabahahagency/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a5655c674862b69c07bda94387095f08-murabahah-guarantee-by-the-customer-for-damages/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/34a282bfa4c9d6187966be45cb7299a7-must-the-intermediate-seller-in-murabahah-pass-a-discount-on-to-the-purchase-undertaker/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9052f28da4add6facf1c833c43c2c319-overcompensation-by-the-insurance-company-above-the-actual-damage/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9c87a3dd4270c544501f88686e84b2a2-owning-goods-before-selling-it/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9e513be4dfc438f6ef76a6a5cd17fcb0-period-of-verification/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d2111fa89a688957c28049011c4f75d3-pre-murabahah-transaction/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/459adcb7758e24948cfbe0e5dfe359d9-pre-murabahah-transaction-agency/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/25771a82609cc318a28e8a31fef971b6-rebate-for-paying-the-debt-ahead-of-schedule/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/883dd196ee55e142d98eac347c595666-revision-of-murabahah-price/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2fd915b83180a9d43a63b3a83e539a4a-rounding-up-the-profit-rate-if-a-murabahah-deal-is-paid-off-earlier-than-agreed/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ffa0db6c418bd6a547da7a6aba2b051c-resolution-no-50-2-6-rulings-on-installment-sales/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fad2cb3f07985783cd8c427b1f777f60-seller-free-from-guaranteeing-any-defect/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7dc52830ed2d812ab11e00a857fd2a5e-selling-construction-materials-by-murabahah/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cd13a8eec699bc13178a6babfe0d9775-selling-goods-based-on-its-specifications/</loc><lastmod>2026-05-11T09:17:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d335349d6ac08d961d190978f712edce-selling-plane-tickets-by-delayed-payment-murabahah/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0126a4ac2b176991eee0392ed947b61d-settling-the-debt-of-a-murabahah-with-another-murabahah/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1ea07dcd002594c62cc3d043c1d4d18c-shortfall-in-a-good-sold-by-a-calculation-of-the-amount/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/398c9c79ece319fee4d47d959e3b2231-structuring-a-construction-contract-as-murabahah-with-a-mark-up-charged-on-payment-for-labor/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ba72627e25a918bf80eb4a21d3f2b39e-the-bank-uses-the-purchase-undertakers-import-license-to-purchase-a-foreign-good/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7a67edf80a5a284c96b62936f1a15b5c-the-buyer-discovers-a-defect-in-the-goods/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9eb404f9f7ac1dd27ad6f01331e89067-the-buyer-guarantees-the-reliability-of-a-fraudulent-exporter-who-is-liable/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8db24df42d2c9d6af9f6435feee622a4-the-buyer-pre-signs-a-murabahah-contract-and-deposits-an-advance-payment-before-the-seller-buys-the-goods/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6f63d476bcb57aafd2d110e4c4295a7d-the-customer-colludes-with-the-banks-agent-to-get-financing-by-a-false-sale/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8b0132614567bf82022720b47d1b22c8-the-end-buyer-wants-to-pay-the-original-seller-a-sum-to-settle-a-price-dispute-between-the-original-seller-and-the-intermediate-buyer/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9904f019acd42ee10839b99bf7895159-the-first-seller-demands-earnest-money-from-the-purchase-undertaker/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c453d9e4504468475fd53b376204ca58-the-intermediate-murabahah-seller-uses-the-purchase-undertakers-import-license-to-import-the-goods/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/36b0263d30a0c4e0a2085e16f699a202-the-intermediate-seller-lacks-detailed-knowledge-of-the-imported-goods/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/44faeb153f2da1e5d1c9d32463791190-the-murabahah-buyer-buys-from-one-department-of-the-bank-and-then-sells-the-same-goods-to-another-department/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/db1f863afc1959c3972314bac7ce0dd0-the-murabahah-purchaser-returns-goods-to-the-original-seller/</loc><lastmod>2026-05-11T09:17:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/13046a3a98558431871531750a228dc0-the-purchase-undertaker-by-deferred-payment-wants-to-sell-the-good-before-completing-the-payments/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/523e2b50ef01951296cb2d903ac96d30-the-purchase-undertaker-does-not-want-the-intermediate-seller-to-incur-added-expenses-for-insurance-against-certain-risks-1/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a4a3c6a789e07634a52458d98991db64-the-purchase-undertaker-does-not-want-the-intermediate-seller-to-incur-added-expenses-for-insurance-against-certain-risks-2/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ca3a10833ac200aace37ff5dec4289e8-the-purchase-undertaker-requests-the-intermediate-seller-to-pass-on-insurance-compensation-for-damaged-goods/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4d29828f7e331a4bf6dc8cab4bfd684d-the-purchase-undertaker-shows-the-original-sellers-price-quotation-to-the-intermediate-seller/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4ef493b0d4fa62e3fe679d94b7737dce-the-purchase-undertaker-wants-to-avoid-the-expense-of-a-third-party-inspector-of-the-goods-before-shipment/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4141a19c511d1f597512022ec3e991d5-the-purchase-undertaker-wants-to-pay-the-difference-in-price-between-what-the-first-seller-is-charging-and-what-the-intermediate-seller-is-willing-to-pay/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f72fcab0c5a2c2b36a7d8b592440d984-the-purchase-undertaker-wants-to-return-unsold-goods-to-the-original-seller/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a5ae9fbb8781754350501bc217cd8da7-the-seller-wants-to-sell-in-the-local-currency-but-the-buyer-wants-to-record-the-sale-in-a-foreign-currency/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/98f77a3de4887e246e637fe3f4608f88-transporting-the-subject-matter-under-the-name-of-the-end-customer/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/91ebee9fdc02758a5482127df8f9050c-using-murabahah-in-cigarette-related-sales/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/af9e95aec925d90976d6422ea38445f1-using-murabahah-to-finance-charitable-projects/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f163cf5b1bdff549b38ac30782128401-various-issues/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/18ad5e9c313841abf926401d985d4455-what-expenses-can-be-factored-into-the-price-to-which-the-mark-up-is-added/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9e25a3f37d1b4097c2d6fc36127b1235-what-if-the-buyer-asks-the-installer-to-implement-design-changes-during-installation-and-only-informs-the-seller-after-the-fact/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d32a798b31dce4d6b8b2ebb4f6a81c3e-what-is-the-difference-between-musawamah-and-murabahah/</loc><lastmod>2026-05-11T09:17:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6801dbe50f747ae2270498b97ed93773-what-is-to-be-done-if-the-original-seller-does-not-deliver-the-good-to-the-end-buyer/</loc><lastmod>2026-06-09T14:50:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/42e36492b3b9be43c101b65a205478ef-what-is-to-be-done-if-the-supplier-is-unable-to-deliver-some-of-the-sold-goods/</loc><lastmod>2026-06-09T14:51:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/29dbe7cfe0bb9ed63515e0a7a4cef4e8-what-is-to-be-done-in-murabahah-about-anomalies-in-delivery-of-the-subject-of-the-sale/</loc><lastmod>2026-05-11T09:17:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fc6d17099bc11492a94f4404f3b30058-what-to-do-if-a-murabahah-transaction-was-disrupted-by-war-and-the-suppliers-price-has-gone-up/</loc><lastmod>2026-06-09T14:52:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5aa134e231b30feadcecb48a76488a65-when-does-an-agent-record-the-profit-from-murabahah-on-behalf-of-his-principal/</loc><lastmod>2026-05-11T09:17:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/42384091aa3e5ac4a34e087aeb0e123f-when-the-customer-can-be-charged-for-shipping-and-insurance/</loc><lastmod>2026-05-11T09:17:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9fda5e114ca5690805c87e23ba7bb85c-when-the-goods-arrive-before-their-shipping-documents/</loc><lastmod>2026-05-11T09:17:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/92e8c162b2289735692d96b1daff143d-when-the-purchase-undertaker-is-a-distribution-agent-for-the-exporter/</loc><lastmod>2026-05-11T09:17:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b8cfc74e1e8df72e4c9fc7c637b6e35e-fatwa-on-co-operative-insurance-the-decision-of-the-council-of-head-of-scholars-of-saudi-arabia-no-51/</loc><lastmod>2026-05-11T09:17:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/51533ac5caaf742c0e6bf71e9d717a25-resolution-149-7-16-concerning-health-insurance/</loc><lastmod>2026-05-11T09:17:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b345f39cd71eeb9f5f8d888713d836b1-resolution-no-9-9-2-concerning-insurance-and-reinsurance/</loc><lastmod>2026-05-11T09:17:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/738404dd38ebccccb8d6dc4c414db579-a-service-warranty-agreement-for-a-car/</loc><lastmod>2026-05-11T09:17:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fbf0b3385d7d5b7c1253ca1d1742c795-an-insurance-company-pledges-to-collect-debts-and-to-pay-the-debts-it-cant-collect/</loc><lastmod>2026-05-11T09:17:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9c7ada9aa95d8cae659f570dd589bdf3-can-a-credit-cardholder-refuse-the-life-insurance-contract-that-comes-with-it/</loc><lastmod>2026-05-11T09:17:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/50b70e93af7abf5cf03df1695c316084-commissions-on-third-party-insurance-policies/</loc><lastmod>2026-05-11T09:17:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6d3a54fdb360c460f480f0f1629a8de3-do-subcontractors-who-contribute-to-insurance-premiums-have-a-right-to-a-refund-paid-to-the-main-contractor/</loc><lastmod>2026-05-11T09:17:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ae5cda3d8b5d0dd82b870c1799b79c06-fire-insurance/</loc><lastmod>2026-06-09T14:06:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0d507b9abea5054e3cd0209c758db92d-full-compensation-for-a-damaged-insured-item-that-has-not-been-fully-paid-for/</loc><lastmod>2026-06-09T14:07:08+08:00</lastmod></url><url><loc>https://ifikr.my/resources/044d32d2bdade17cabb3205a0ddbb79e-if-some-of-the-goods-are-damaged-must-the-price-be-adjusted/</loc><lastmod>2026-06-09T14:07:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0ee33cb7b007d1cf1bac0c7ae7606015-if-the-bank-drops-the-outstanding-balance-due-on-a-car-destroyed-in-a-traffic-accident-does-the-buyer-have-a-right-to-ask-for-the-insurance-compensation/</loc><lastmod>2026-06-09T14:07:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3e46a7e8c2725950a1a121bd7c45333f-if-the-value-of-insured-property-fluctuates-what-should-the-insured-value-be/</loc><lastmod>2026-06-09T14:08:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bd46f69fc387c9b42d805ef65922bc37-insurance-against-investment-risks/</loc><lastmod>2026-06-09T14:08:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/484130a4556c120434aa5fc69363312e-insurance-against-vandalism/</loc><lastmod>2026-06-09T14:09:10+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3e1fd406992f1f203efa5e3d1da45ce0-insurance-of-a-debt/</loc><lastmod>2026-06-09T14:09:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/612699c0098d24042d04658ac05ea9bd-insuring-cars-and-other-items/</loc><lastmod>2026-05-11T09:17:52+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f2958b0e15f3200e1a82e7cf29744a3e-insuring-cash-at-bank-branch-offices/</loc><lastmod>2026-06-09T14:47:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0436166f58d290b8cc948ca56fc1cd80-insuring-valued-possessions-against-fire-theft-etc/</loc><lastmod>2026-06-09T14:28:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/839b3c4ba4d07389d9e25898486a4ceb-is-comprehensive-auto-insurance-allowed/</loc><lastmod>2026-06-09T14:30:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a91a7600f6af9870aecaeec50f00562d-life-insurance/</loc><lastmod>2026-06-09T14:30:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b3d462a8f97d22e74bf4870e0e41d33a-marine-insurance-for-110-of-the-goods-value-taking-into-account-shipping-expenses-among-other-factors/</loc><lastmod>2026-06-09T14:48:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/868bb57b05b9928efe48e2183b089427-the-permissible-limits-of-insurance-compensation/</loc><lastmod>2026-06-09T14:06:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ba6b037bb10ba2d1a5357fd44dcfc62b-transferring-the-right-to-benefit-from-insurance-to-a-purchase-undertaker-after-the-sale/</loc><lastmod>2026-05-11T09:17:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7660146441ee31c3d10e2efa6248c412-transporting-goods-with-a-guarantee-against-loss/</loc><lastmod>2026-05-11T09:17:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/26dbf8726534f90e87d62016e3bda05e-various-types-of-banking-insurance/</loc><lastmod>2026-05-11T09:17:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b9c66dc4f18165bdb50d51de5185fde6-what-compensation-amount-should-be-obtained-when-insuring-furniture-against-fire/</loc><lastmod>2026-05-11T09:17:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cfc586b5b47bef796f3c1dfddd8adffe-when-the-award-for-personal-accident-insurance-exceeds-the-diyah/</loc><lastmod>2026-06-09T13:55:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6a635cd1a3ce23abcdd9bf995c4a9167-calculation-of-fee-for-retrieval-of-shares/</loc><lastmod>2026-06-09T13:56:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/88dbad82ea282b3899e66a3888976e73-charges-for-expenses-of-an-offering/</loc><lastmod>2026-06-09T13:56:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/54a741c0442ffe68f5715a3dcfaf73b6-circulation-of-shares/</loc><lastmod>2026-06-09T13:57:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ffdbafc691c6923995dd44522d5f5b1d-deferring-the-ownership-transfer-of-shares-sold/</loc><lastmod>2026-06-09T13:58:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f69d738145b853f100b61e19be0b3eb8-guaranteeing-the-shares-of-participants-of-profit-sharing-funds-and-clearance-funds/</loc><lastmod>2026-06-09T14:01:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/472bab2b2ace21f2dedfe942d379754a-legal-constraints-on-buying-shares-of-limited-liability-companies/</loc><lastmod>2026-06-09T14:02:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0516e48de0950824154a5e285ee21ee1-profit-sharing-fund/</loc><lastmod>2026-06-09T14:03:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fe6c2948516be51b1500a7e0c026baba-purchase-of-shares-in-an-islamic-bank/</loc><lastmod>2026-06-09T14:04:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/05cc95efe9fd6a3f96d0c5c352f204e5-shares-trading-brokerage-fee/</loc><lastmod>2026-06-09T14:05:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b003c92fa470f38c724aee127305a42c-shares-guarantee/</loc><lastmod>2026-06-09T14:05:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0f730a1eaaf41adf799cfc8c819c0917-third-party-guarantee-without-consideration/</loc><lastmod>2026-05-11T09:17:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/71fbf891030a6fbf02d3811df90da0b1-trading-in-the-shares-of-shariah-compliant-companies-that-are-involved-in-riba-based-transactions-with-conventional-banks/</loc><lastmod>2026-06-09T13:51:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5dbcd3f897cb25e8ac1142ccfbab15c1-bank-as-a-mudharib-ruling-on-commission-on-investment/</loc><lastmod>2026-06-09T13:52:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e648180a4f8602d6ae62844f4cd21273-resolution-no-139-5-15-credit-cards/</loc><lastmod>2026-06-09T13:53:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0ee1cac512f4d95c1923ad159a098adf-fee-for-group-financing/</loc><lastmod>2026-06-09T13:54:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/79d258425c57f8be7bd4b67ba751f025-judgement-of-the-court-with-regard-to-penalties-on-delayed-payments/</loc><lastmod>2026-06-09T13:39:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b807c4e0add4df94015d0f3a7517c5dc-resolution-no-28-3-4-zakah-of-corporate-shares/</loc><lastmod>2026-06-09T13:41:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f74576ee3661024763bac4b62b8367c9-dual-promise-in-commodity-murabahah/</loc><lastmod>2026-06-09T13:41:54+08:00</lastmod></url><url><loc>https://ifikr.my/resources/94fe0a3f12cd1e42466550f433a3a35a-sale-of-the-tawarruq-asset-by-the-customer-to-the-third-party-issue-of-delivery-and-payment/</loc><lastmod>2026-06-09T13:42:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/109f7de452e4777aa1b99afb02f81190-accepting-hibah-from-the-customers/</loc><lastmod>2026-06-09T13:45:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e32778c4a6b0e83e2f20b566004e0842-in-a-salam-contract-to-what-extent-is-the-buyer-allowed-to-obtain-a-promise-to-buy-at-a-specific-price-from-a-third-party/</loc><lastmod>2026-06-09T13:46:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/689f8da35d07821e1eb0471ea4dcbd87-salam-mitigating-the-risks-of-changes-in-circumstances/</loc><lastmod>2026-06-09T13:46:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a88435b9997fe6a0b08ad5b0c869c920-the-issue-of-pricing-the-subject-matter-of-a-forward-sale-contract/</loc><lastmod>2026-06-09T13:47:56+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c37a19f88fca36f3c19ec2ad912eaeac-a-commodity-purchase-option/</loc><lastmod>2026-06-09T13:48:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fa29634c101f3fd3f6fbca59c4a6ed4f-a-purchase-undertaking-and-earnest-money-for-murabahah/</loc><lastmod>2026-06-09T13:50:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/36f8436917f02730bae028b271e83699-is-a-purchase-promise-binding/</loc><lastmod>2026-06-09T13:22:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ecc8d9c9c9f047263c2e4e848b22f0fb-a-penalty-clause-for-delay-in-a-murabahah-contract/</loc><lastmod>2026-06-09T13:23:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b75769a3ec78bfa0fd52a9cdd37613f0-a-penalty-clause-for-late-payment/</loc><lastmod>2026-06-09T13:24:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/268be07cf004c13be08d98d46f65621e-can-a-penalty-clause-for-late-payment-be-added-to-an-islamic-banking-contract/</loc><lastmod>2026-06-09T13:25:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d03cabc5b2035ef529d94f4d3a100f66-is-it-lawful-to-financially-penalize-a-rich-debtor-who-delays-payment/</loc><lastmod>2026-06-09T13:26:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ddd57473659554dbc7787ae75465c75a-what-can-an-islamic-bank-do-if-a-debtor-who-can-afford-to-pay-delays-payment/</loc><lastmod>2026-06-09T13:27:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/07cc5bb625f194b29df903511cb77449-what-if-an-unscrupulous-debtor-delays-payment-to-an-islamic-bank-because-it-doesnt-charge-interest/</loc><lastmod>2026-06-09T13:27:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b209112fa85e465640eaf442adfb9b91-a-difference-in-profit-share-of-jointly-owned-property/</loc><lastmod>2026-06-09T13:29:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/56130b4ab3a7d6aea6dd4bcce9292bba-a-sale-and-buy-back-without-collusion-or-prior-agreement/</loc><lastmod>2026-06-09T13:30:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/831b37b8c81b2eb2a80f2e1c00c02b7a-a-sale-and-buyback-deal-on-real-estate/</loc><lastmod>2026-06-09T13:31:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/33121f1240d0b9d8799fad7698935520-resolution-no-43-5-5-abstract-rights/</loc><lastmod>2026-06-09T13:32:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/36da704363d0c6607c6fc5477033edaf-resolution-no-136-15-2-al-musharakah-al-mutanaqisah-and-its-shariah-rules/</loc><lastmod>2026-06-09T13:36:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cc9802fc442a43b879f270dcd0ccf7cf-allocating-profit-for-expenses-borne-by-one-of-the-partners-in-a-musharakah/</loc><lastmod>2026-06-09T13:37:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/03c30ad9e0b8106db1b7c3d4d24036d5-an-islamic-bank-paying-a-customers-credit-card-bill-from-his-deposited-funds/</loc><lastmod>2026-05-11T09:17:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/74b32f5f90795423529864c0eb2bc687-application-of-man-made-laws-in-islamic-finance/</loc><lastmod>2026-06-09T09:33:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/00bfcfd35ed67e101733da0700bcaec7-appointing-the-original-seller-as-an-agent-and-making-him-a-guarantor-for-the-price/</loc><lastmod>2026-06-09T09:35:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/770b0c29f6e162f0b355972e0c3de62e-business-expenses-in-musharakah-based-on-percentage-of-capital/</loc><lastmod>2026-06-09T09:36:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1cbfe502f089defd5ee5b270e7a092f3-buying-a-good-when-the-importer-cant-pay-for-it-then-selling-it-to-him/</loc><lastmod>2026-06-09T09:37:02+08:00</lastmod></url><url><loc>https://ifikr.my/resources/91f13898f722657ac585eb2b602e6f6c-buying-a-piece-of-jointly-owned-real-estate-and-then-selling-it-back-to-one-of-the-partners/</loc><lastmod>2026-06-09T09:37:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/174d3c8e913132bf9013ae5d75c33d93-buying-from-a-subsidiary-and-selling-to-the-parent-company/</loc><lastmod>2026-06-09T09:38:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/022358716ba060b668a3da2d19b53805-resolution-no-2-2-2-concerning-zakah-on-real-estate-and-non-agricultural-leased-land/</loc><lastmod>2026-06-09T09:39:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0c1c98b60b1fe2a145184d0263e035ec-when-manufacturing-occurs-between-sale-and-buy-back/</loc><lastmod>2026-05-11T09:17:56+08:00</lastmod></url><url><loc>https://ifikr.my/resources/df63858745a1a5e5a3c745c3d2823b9a-using-money-from-the-charity-fund-to-perform-hajj/</loc><lastmod>2026-06-09T09:25:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/821bffa1c4352fd75133efa5379f918e-resolution-no-47-9-5-urf-custom/</loc><lastmod>2026-06-09T09:26:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0958d8187e2b939603928b48a04294d0-transferring-the-balance-of-certain-current-accounts-to-savings-accounts/</loc><lastmod>2026-06-09T09:27:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2f390d9838c62d3774f38925346d0ea8-trading-with-a-related-entity/</loc><lastmod>2026-06-09T09:28:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4312c4bc2004541da33006b99bfe36c0-trading-in-statues/</loc><lastmod>2026-06-09T09:30:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c1b0b8e4b85b533990084a65387770ae-trading-in-meat-imported-from-non-muslim-lands/</loc><lastmod>2026-06-09T09:31:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8702586fe260131a22e64372d4d62ba2-trading-in-childrens-dolls/</loc><lastmod>2026-06-09T09:31:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/835b33de2a798f72bb66d954fb064013-trading-in-a-used-car-for-a-new-one-by-selling-the-used-car-to-a-third-party-who-transfers-the-payment-to-the-new-car-seller/</loc><lastmod>2026-06-09T09:32:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ad8641a43844c823df0bb793975a3220-third-party-guarantee-with-consideration/</loc><lastmod>2026-06-09T09:12:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fda66fc1e9911867a4b010ea861bd26c-resolution-no-1-1-2-concerning-the-zakah-of-debts/</loc><lastmod>2026-06-09T09:15:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5e00875a650f0c16ef84d21f6f418a93-the-seller-stipulates-that-the-buyer-lease-back-the-purchased-item-to-the-seller/</loc><lastmod>2026-06-09T09:15:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1d909510f28796d3020ce92574db3b70-the-purchase-undertaker-becomes-unable-to-pay-for-the-good-after-the-bank-has-purchased-it/</loc><lastmod>2026-06-09T09:16:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/94e06d62addea9d2f56b201a97d0f075-resolution-no-46-8-5-the-maximum-profit-margin-for-traders/</loc><lastmod>2026-06-09T09:17:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5562cb3873f45da88b7f5ff003408bda-the-issue-of-the-original-ruling-of-contracts-and-the-permissibility-of-using-terms-that-are-not-mentioned-in-the-sources-of-islamic-law/</loc><lastmod>2026-06-09T09:18:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/29524c14749077899608239a5f871816-resolution-no-141-7-15-the-issue-of-masalihu-al-mursalah-and-its-contemporary-applications/</loc><lastmod>2026-06-09T09:23:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e1be65cdae70bf9e1eaef321fb65f127-the-buyer-discovers-a-defect-or-shortfall-in-the-purchased-good/</loc><lastmod>2026-06-09T09:23:58+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4bd4523089b4ac46dc2ba5f4ef0f7011-the-buyer-asks-the-seller-to-store-the-purchased-goods-in-his-warehouse/</loc><lastmod>2026-05-11T09:17:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9bcdf4dbebfb432a7694a3acfac4daaf-the-bank-acts-as-the-car-dealers-agent-for-collecting-installment-payments-from-customers-with-accounts-at-the-bank/</loc><lastmod>2026-05-11T09:17:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e2ccc11346e81591492e6578d0479a27-the-agent-buys-the-good-back-from-the-principal/</loc><lastmod>2026-05-11T09:17:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ffdf65812b52d66e78627605c877e535-taking-the-place-of-the-owner-in-a-forced-sale/</loc><lastmod>2026-05-11T09:17:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e4094bbd33fa216a40f8adddf85aab27-stipulating-no-liability-for-defects-in-a-sale/</loc><lastmod>2026-06-09T09:08:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6b51d9ce0a8e02c23437f56f32da9dd8-special-investment-account/</loc><lastmod>2026-06-09T09:09:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/95df169bb251be99c04925b0014f2e91-selling-to-someone-who-will-resell-using-interest-based-contracts/</loc><lastmod>2026-06-09T09:10:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/29eb47514a7b0ffc8aa5386befd8e13a-selling-to-someone-who-will-resell-by-charging-interest/</loc><lastmod>2026-06-09T09:12:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/57b762c70b4e2bdeb26467f4a7081801-selling-the-subject-matter-of-salam-before-its-possession/</loc><lastmod>2026-06-09T08:59:08+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1082fee13dc7f03781930038c503b75f-selling-platinum-for-deferred-payment/</loc><lastmod>2026-06-09T08:59:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3de3e47cea2862c8c3b52ad383b27264-selling-land-that-the-state-has-decided-to-buy-after-valuation-but-before-sale/</loc><lastmod>2026-06-09T09:00:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/171dc31c03befc4443a62adf45ae1306-selling-goods-that-have-pictures-of-people-or-animals-on-the-packages/</loc><lastmod>2026-06-09T09:01:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3b54bcb6c9c5904fc0dcc8067e17cfa4-selling-goods-recorded-as-accounts-receivable-before-the-invoice-is-settled/</loc><lastmod>2026-06-09T09:01:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6e17706049060d2cb018a82dbc27584d-selling-goods-in-packaging-with-human-or-animal-images/</loc><lastmod>2026-06-09T09:02:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6f270b5b2ee380b68aabe7d596c777c9-selling-gold-jewelry-set-with-gems-by-deferred-payment/</loc><lastmod>2026-06-09T09:03:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/28c8cfdbf261852b22406e6f3a9e0b9f-sale-and-buy-back-without-stipulation/</loc><lastmod>2026-06-09T09:03:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f2821850fb43b02b5a4a9665f461649b-riba-al-fadl-gold-for-gold/</loc><lastmod>2026-06-09T09:04:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dbccff910a2ecdce76f7feaa49e548bf-resolution-no-181-19-7-regarding-endowing-shares-sukuk-material-rights-and-benefits/</loc><lastmod>2026-06-09T09:06:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ac15b6c7213fe80515c0096260d4a22e-paying-for-real-estate-with-a-combined-payment-of-cash-and-real-estate/</loc><lastmod>2026-06-09T09:07:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/88fb7bc4e43be3d2e45524f2e7c9a1a1-what-constitutes-possession-qabd/</loc><lastmod>2026-06-09T09:07:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/488367426cbe0dd845cd42ac18645e39-purchase-option-such-that-the-seller-will-only-acquire-possession-of-the-good-if-the-buyer-exercises-the-option/</loc><lastmod>2026-06-09T08:57:02+08:00</lastmod></url><url><loc>https://ifikr.my/resources/808aa51443cc221573b6ea06cf2225fa-house-purchase-by-diminishing-partnership/</loc><lastmod>2026-06-09T08:57:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c1af3bc895919618daebfaa1a97730b0-offering-a-discount-for-paying-on-time-in-a-deferred-purchase-sale/</loc><lastmod>2026-06-09T08:58:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cad76dfe12347d6406637e80b86a5573-quoting-different-prices-to-the-client-for-different-payment-periods/</loc><lastmod>2026-06-09T08:44:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4862e3f13d0ac507f28ff8dd16ce9d10-can-real-estate-that-is-bought-and-resold-be-registered-directly-in-the-final-buyers-name/</loc><lastmod>2026-06-09T08:45:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a1dcb8b74ce18ff507a14ede94a401b8-swapping-two-pieces-of-real-estate-in-a-single-contract/</loc><lastmod>2026-06-09T08:46:03+08:00</lastmod></url><url><loc>https://ifikr.my/resources/46973c1d033598cefc9cdf83938b21cc-purchasing-printed-material-with-agreed-specifications-for-deferred-delivery/</loc><lastmod>2026-06-09T08:46:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5b8117dee5ec5bde62e0b929ff8539cf-stipulating-that-customers-not-deal-with-competitors/</loc><lastmod>2026-06-09T08:47:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/92d34fff89c7c4117f285eb6d2dbe623-selling-human-hair-to-the-textile-industry/</loc><lastmod>2026-06-09T08:48:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/75ced0a3277d60327cd72716794bcd2e-is-storage-in-public-warehouses-with-certificates-detailing-the-specifications-of-the-commodities-considered-possession-that-allows-resale/</loc><lastmod>2026-06-09T08:49:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1d6fc1548c45b833ece9c85ebf38b7ab-selling-a-sheep-but-excluding-the-skin-from-the-sale/</loc><lastmod>2026-06-09T08:50:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a237bd0e436d290acf86348302950cda-one-department-of-the-bank-buys-a-commodity-in-cash-from-a-customer-who-bought-it-by-deferred-payment-from-another-department-of-the-bank/</loc><lastmod>2026-06-09T08:51:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a95613881dcdab637afbaf387559613f-signing-a-contract-to-sell-something-to-the-government-before-owning-the-product/</loc><lastmod>2026-06-09T08:52:06+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8cb8905acf3d380415c626c819761525-discovering-after-the-sale-that-the-seller-was-the-agent-of-the-real-owner/</loc><lastmod>2026-06-09T08:53:08+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a61eb06b20c15b98e7dd046015c8a4c4-stipulating-an-option-to-annul-a-sale-after-the-buyer-has-accepted-the-original-offer/</loc><lastmod>2026-06-09T08:54:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4aedc09ff1cd772ef7474cbee4951778-the-buyer-intends-to-resell-the-goods-can-the-buyer-stipulate-a-discounted-price-on-any-unsold-items-in-case-the-seller-lowers-his-prices/</loc><lastmod>2026-06-09T08:55:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/872b7fc16d6f09da9ae0a5265b72a2e4-an-islamic-bank-has-multiple-accounts-in-different-currencies-with-a-foreign-bank-some-overdrawn-and-some-with-positive-balances/</loc><lastmod>2026-06-09T08:40:59+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dfa51d2f1ccb89a48fbd988e41603d33-can-a-company-partner-be-an-employee-of-the-same-company/</loc><lastmod>2026-06-09T08:42:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e8d304838ec5fa34e822c02216b3e7ba-what-is-the-ruling-on-key-money/</loc><lastmod>2026-06-09T08:43:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cfe1c3cb8f4679b4b8f1667dbea5e0c8-lending-someone-money-to-pay-a-key-money-fee/</loc><lastmod>2026-05-11T09:18:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bea95bbf6c44aa88e13316f4d44800a0-funding-construction-of-a-building-with-a-swimming-pool/</loc><lastmod>2026-06-05T18:36:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dacc97e5d7d064f9341ed0744a7fe38e-can-a-sales-agent-be-paid-a-fixed-fee-plus-an-incentive-commission/</loc><lastmod>2026-05-11T09:18:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0dc2c1f4f4a0ec4978c49ccf35ed96e0-who-bears-unexpected-demurrage-charges-in-a-murabahah-contract/</loc><lastmod>2026-06-05T18:29:59+08:00</lastmod></url><url><loc>https://ifikr.my/resources/05127b7debb9ec1de0bfdc4c9e003e86-can-an-islamic-bank-take-for-security-stocks-issued-to-a-conventional-bank-as-security-for-an-interest-based-loan/</loc><lastmod>2026-06-05T18:30:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/be56d8e43336ae44228e57c1e4f83cfa-can-an-islamic-bank-take-a-deposit-in-a-conventional-bank-as-security-for-a-loan/</loc><lastmod>2026-06-05T18:31:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d49899c2e787a1a95577175236fdf9fd-can-an-islamic-bank-allow-a-shareholder-to-mortgage-its-shares-as-security-for-an-interest-best-loan/</loc><lastmod>2026-06-05T18:32:02+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1bf6f2d2970e88b5d3c543e2dd9bccb7-is-it-allowed-to-take-security-for-a-debt-before-the-debt-is-incurred/</loc><lastmod>2026-06-05T18:32:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5e5374401f205abe45dc105a6e7eb18b-can-an-investment-deposit-be-used-as-security-for-a-deferred-payment-sale/</loc><lastmod>2026-06-05T18:33:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d98229d81fec72d57c266a9500bc6c26-can-money-in-a-current-account-be-used-as-security-for-a-debt/</loc><lastmod>2026-06-05T18:34:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/63ce93e35bb16073fc32faec0c02ae64-if-a-customer-cashes-a-cheque-drawn-on-a-foreign-bank-should-the-exchange-rate-be-from-the-day-of-cashing-or-the-day-the-cheque-clears/</loc><lastmod>2026-06-05T18:35:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1cd190864122ccc3e910cfa313b6e997-can-a-company-in-partnership-with-an-islamic-bank-claim-reimbursement-for-interest-charges-on-a-letter-of-guarantee-the-partner-got-from-a-conventional-bank-without-co/</loc><lastmod>2026-06-09T08:39:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e526f61ab28c0e525e9bf999709dd77e-may-an-islamic-bank-deposit-money-with-a-commercial-bank-without-interest/</loc><lastmod>2026-06-05T18:16:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4b67f8d0d1190249c7f596eb605cf98d-may-an-islamic-bank-deposit-money-with-a-foreign-bank-and-give-the-interest-in-charity/</loc><lastmod>2026-06-05T18:18:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2ff6413bf2c19df1b3cf1d9960835dd9-what-is-the-riba-that-the-quran-forbids/</loc><lastmod>2026-06-05T18:23:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7a04351cd45a35125540746fe2097d07-what-is-the-ruling-on-selling-cars-to-a-usurious-institution/</loc><lastmod>2026-06-05T18:24:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7dff9ff89bae3d18bf89760a62a23aa9-does-profit-and-loss-sharing-apply-to-the-shareholders-reserve-funds/</loc><lastmod>2026-06-05T18:26:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e4286362503e6eac9db2abf3868dc8ba-what-is-the-rule-when-an-unrestricted-investment-deposit-holder-wants-to-withdraw-his-deposit-before-the-end-of-the-deposit-period/</loc><lastmod>2026-06-05T18:28:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9a03974db0043a66c82bfd501d75d8ea-can-sellers-give-lucky-draw-coupons-in-order-to-give-prizes-to-shoppers-with-more-purchases/</loc><lastmod>2026-06-05T18:29:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/16427efc4be214e4a8f63b328d3300da-how-to-deal-with-the-profits-of-customers-who-dont-come-to-claim-their-profits/</loc><lastmod>2026-05-11T09:18:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/be01fb14e3388f1893c8de0ecc2b874c-can-a-customs-clearing-agent-charge-different-fees-based-on-the-value-of-the-goods/</loc><lastmod>2026-05-11T09:18:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/58e3054c474a0c35083e809acbc0b753-can-money-whose-owner-is-unknown-be-given-to-a-charity/</loc><lastmod>2026-05-11T09:18:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/549f6d435611230b240df8cbc9afabd4-can-an-islamic-bank-exempt-orphans-from-paying-certain-standard-fees/</loc><lastmod>2026-06-05T18:20:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c07b3176fae45a6ad032996415342263-can-an-islamic-institution-give-a-non-muslim-employee-leave-to-celebrate-his-her-religious-holiday/</loc><lastmod>2026-06-05T18:21:03+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8d3b57be80cf23aa51dd882b73d36140-can-a-muslim-work-as-visiting-specialist-in-a-commercial-corporation-involved-in-usurious-transactions/</loc><lastmod>2026-06-05T18:21:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4b7400d37416ba2b174a8cdae19cc23e-is-it-allowed-to-eat-cheese-made-with-rennet-from-calves-that-were-not-slaughtered-islamically/</loc><lastmod>2026-06-05T18:22:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/77366e9d52a7425c36d4b6a46e8f781f-what-is-the-ruling-on-fixing-an-inanimate-symbol-to-a-building/</loc><lastmod>2026-06-05T18:16:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/05fea5798d55b2b9e34a9439ed53e75b-is-it-allowed-to-stipulate-that-qard-hasan-be-repaid-in-an-amount-that-has-the-same-buying-power-as-the-amount-loaned/</loc><lastmod>2026-06-05T18:02:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6443e2fcc143e3db2154fe9b3abd3ba0-an-islamic-bank-loan-employees-to-another-institution-when-the-cost-of-their-salaries-brings-no-direct-benefit-to-the-banks-shareholders/</loc><lastmod>2026-06-05T18:03:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e01eb0c2a03e13efbac7de0b18a88454-can-a-muslim-eat-meat-from-restaurants-or-stores-in-christian-or-jewish-countries/</loc><lastmod>2026-06-05T18:04:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d21796812d32c6df75d5072ce8ff5198-what-is-to-be-done-about-imported-meat-when-there-is-doubt-about-the-halal-slaughter-certificates-being-authentic/</loc><lastmod>2026-06-05T18:05:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d50cd6841b5dc61ea8b5da41ee88bad5-what-is-the-rule-for-poultry-and-livestock-feed-mixed-with-fat-from-animals-not-properly-slaughtered/</loc><lastmod>2026-06-05T18:06:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b05a5414c9893be7930081ca75f0dfbd-can-a-muslim-company-agree-to-a-non-muslim-employees-demand-for-comprehensive-life-insurance-as-a-condition-of-employment/</loc><lastmod>2026-06-05T18:06:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3944cb28eb918008950afa8605c84682-can-an-investor-exit-a-portfolio-by-selling-his-share-before-revenue-distribution/</loc><lastmod>2026-06-05T18:07:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d7dd2e7d983af584655f07085a67cafc-why-do-some-scholars-distinguish-between-loans-and-other-liabilities-when-money-is-scarce/</loc><lastmod>2026-06-05T18:08:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/694bf985854f436c849fcc3ad10fb98a-can-an-islamic-bank-charge-a-car-seller-for-the-vehicle-inspection-if-he-cancels-the-sale-after-the-inspection/</loc><lastmod>2026-06-05T18:09:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/45f6fe5307d603bec296608328e3a892-can-one-pay-money-to-participate-in-a-raffle/</loc><lastmod>2026-06-05T18:10:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/469e9c8a968151625cbcb47b00cc3b78-can-an-islamic-bank-charge-a-fee-for-issuing-a-bank-draft/</loc><lastmod>2026-06-05T18:11:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d1ba328334badf5e9d70ab4070d0ed93-can-an-islamic-bank-use-photos-that-include-women-for-promotional-purposes/</loc><lastmod>2026-06-05T18:12:27+08:00</lastmod></url><url><loc>https://ifikr.my/resources/46cc2ee4c819ca5b58bc9bfd6ccb7703-can-an-islamic-bank-give-a-credit-card-as-a-prize-to-murabahah-buyers-and-add-the-cost-of-the-card-to-the-murabahah-base-price/</loc><lastmod>2026-06-05T18:13:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6bd9a31963750173a5e9a75b5af8f349-can-contests-with-prizes-be-used-to-encourage-tenants-of-properties-owned-by-an-islamic-bank-to-open-accounts-with-the-bank-to-facilitate-rent-payments/</loc><lastmod>2026-06-05T18:14:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1e072cf74012f1ca5748e7cf20344d54-can-a-charitable-organization-invest-donated-funds-to-generate-income-to-be-spent-in-charity/</loc><lastmod>2026-06-05T18:15:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0c44c152f552ce999c11f37703354a74-can-real-estate-portfolios-of-differing-status-be-merged-together/</loc><lastmod>2026-06-05T18:01:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/735b1b2f9da7c9a7bc477de61c24e526-can-an-islamic-bank-finance-an-international-school-set-up-and-run-by-non-muslims-to-teach-muslim-children/</loc><lastmod>2026-06-05T17:55:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6ad8cabbdd59248de095fac04d106d29-is-it-allowed-to-trade-shares-in-companies-whose-core-activities-are-lawful-but-which-borrow-and-lend-on-interest/</loc><lastmod>2026-06-05T17:56:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/845d725433d0c8235d3dfb487cc397d1-can-a-contract-be-signed-with-a-purchase-undertaker-before-the-official-ownership-transfer-procedures-are-completed/</loc><lastmod>2026-06-05T17:58:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3b0e102c26771ce9e17401afe1763330-who-is-liable-for-goods-damaged-after-reaching-the-port-if-the-end-buyer-did-not-delay-in-trying-to-claim-them/</loc><lastmod>2026-06-05T17:59:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dfd825a2753aebdee795f025d1ba4d86-is-it-lawful-for-the-buyer-to-lease-an-asset-to-the-seller-after-the-sale/</loc><lastmod>2026-06-05T18:00:02+08:00</lastmod></url><url><loc>https://ifikr.my/resources/715ea3c54642c07f016f85505d66689f-what-is-the-ruling-on-trading-in-antiquities/</loc><lastmod>2026-05-11T09:18:03+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9127ef01f01d69763f853a3efd06f6e3-is-there-any-shariah-limit-to-a-sellers-profits/</loc><lastmod>2026-06-05T17:45:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3954f926111994b6d99e544d6ba39aa9-can-a-retailer-return-unsold-goods-to-the-wholesaler-and-get-a-full-refund/</loc><lastmod>2026-06-05T17:47:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1f4d1cc68a8a9b4b747514fb0cd6020c-what-constitutes-possession-of-equipment-when-the-contract-requires-its-installation-in-the-buyers-building/</loc><lastmod>2026-06-05T17:48:10+08:00</lastmod></url><url><loc>https://ifikr.my/resources/502f61b49cb2914cb09581562559c26d-is-it-allowed-to-sell-material-on-a-deferred-payment-sale-before-the-manufacturing-process-is-completed/</loc><lastmod>2026-06-05T17:49:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/aa8eba7e67133e99fd747ab94e383de3-can-the-buyer-in-an-istisna-contract-sell-to-the-manufacturer-the-raw-material-that-will-be-used-to-manufacture-the-finished-product/</loc><lastmod>2026-06-05T17:49:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/662b85cde92304812fe62a2599e5e8a0-a-house-buyer-approaches-an-islamic-bank-seeking-to-cancel-an-existing-contract-in-order-to-enter-into-a-murabaha-sale-with-the-bank/</loc><lastmod>2026-06-05T17:50:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6a1c98e338b38d095da2decaf72b4a0f-how-can-parallel-istisna-be-structured/</loc><lastmod>2026-06-05T17:52:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9a748936932ff3051f358ac7e759a8e6-an-heir-asks-the-bank-to-buy-the-shares-of-certain-heirs-in-a-house-and-then-sell-it-to-the-rest-of-them-can-the-bank-reserve-the-right-to-sell-to-another-buyer/</loc><lastmod>2026-06-05T17:53:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3ed81ef806d4ce81c0b0c757ff11298f-can-the-customer-of-a-murabaha-car-sale-use-the-trade-in-price-of-his-old-car-as-the-down-payment-for-the-new-car/</loc><lastmod>2026-06-05T17:53:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4b3cc8d6611e5a3ae4165cc2a9e33c0d-can-the-islamic-bank-buy-goods-from-the-retailer-and-make-it-its-agent-to-resell-them-to-customers-but-stipulate-that-the-retailer-buy-back-unpurchased-goods/</loc><lastmod>2026-06-05T17:54:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0111cfdb73226a8d6507b6acfb5116b9-should-a-sale-contract-clarify-whether-the-sale-is-murabahah-or-musawamah/</loc><lastmod>2026-06-05T17:39:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f86bca55f82ad935096c649126c61857-after-selling-a-commodity-for-cash-the-seller-offers-to-buy-it-back-at-a-higher-price-for-deferred-payment/</loc><lastmod>2026-06-05T17:39:56+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cfcf71185aed17378c3333a6c1efff9e-can-the-buyer-of-a-commodity-lease-it-back-to-the-seller-with-a-promise-to-sell-it-back-to-him-at-the-end-of-the-lease-term/</loc><lastmod>2026-06-05T17:40:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cf81ad8c26c8c400cc69cf113082a60f-can-a-time-sharing-lease-be-sold-by-murabaha-with-delayed-payment/</loc><lastmod>2026-06-05T17:41:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dfa294c94ceabd160ea278f5ee327e8d-can-earnest-money-be-paid-before-the-contract/</loc><lastmod>2026-06-05T17:41:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/333c7512f406201f8bbcf8d1d6eb9c6f-what-is-the-ruling-on-a-payment-before-the-down-payment-to-reserve-the-right-to-buy/</loc><lastmod>2026-06-05T17:42:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/44b70c2a1028813ee2b0507cd314701b-is-the-seller-responsible-if-the-buyer-sells-the-purchased-good-to-a-sinner/</loc><lastmod>2026-06-05T17:43:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/55d61802b43e562b50e8b55e72ea126a-can-an-islamic-bank-buy-a-good-from-a-company-and-then-sell-it-to-a-company-that-owns-a-minority-share-of-the-first-company/</loc><lastmod>2026-06-05T17:43:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c17e666c97aeb51ae8c79dbf5ce33511-can-delivery-be-deferred-of-both-the-sold-good-and-the-price-in-a-sale/</loc><lastmod>2026-05-11T09:18:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f64dd558904e95d6f36f80ac6934db5c-one-party-buys-a-truck-the-other-drives-it-for-monthly-expenses-plus-a-share-of-the-profit-after-the-owner-has-recovered-the-price-of-the-truck/</loc><lastmod>2026-05-11T09:18:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/85fd938eae66420091d6ddbf2f665886-can-the-buyer-reserve-the-right-to-annul-a-delayed-delivery-sale-six-months-after-the-purchase/</loc><lastmod>2026-05-11T09:18:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6a363ca261d19cddf5a79bd817f1bfd2-can-a-building-be-sold-without-selling-the-land-it-sits-on/</loc><lastmod>2026-05-11T09:18:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0f9384345d5ae6bf73b6e454da8cbe5e-what-is-the-rule-on-selling-cameras-and-their-accessories/</loc><lastmod>2026-05-11T09:18:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a9f51b3300ea39cc50ff1b22db13dafb-what-if-the-purchase-undertaker-renovates-the-property-he-promises-to-buy-before-the-bank-buys-it/</loc><lastmod>2026-06-05T17:36:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c7719cd62119eea4aa7bd7b775c6c8f3-what-if-an-islamic-bank-gives-a-rebate-to-a-customer-who-pays-a-debt-early-and-other-customers-expect-the-same-treatment/</loc><lastmod>2026-06-05T17:38:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2274204bd7068b30dd95198b49301eaf-who-bears-the-liability-for-the-goods-in-a-murabahah-sale-at-various-stages-of-the-process/</loc><lastmod>2026-06-05T17:20:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d17afd23719ab3d331d8e8aefaa34d2f-can-a-dealer-buy-back-cars-from-customers-and-pay-the-bank-the-outstanding-balances-on-the-condition-that-the-customers-buy-new-cars-from-the-dealer/</loc><lastmod>2026-06-05T17:21:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bf5e073a6b216704646d6cf414297a74-if-a-customer-cancels-the-sale-of-his-used-car-to-the-bank-after-the-title-has-been-transferred-and-the-bank-allows-it-can-the-bank-charge-him-for-the-inspection-exp/</loc><lastmod>2026-06-05T17:21:58+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6f30bd202cf06b61469ba17cc0fb6b7b-if-the-bank-buys-goods-from-a-dealer-can-it-make-the-dealer-its-agent-to-sell-the-goods-to-others/</loc><lastmod>2026-06-05T17:22:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2fa96c0eb361e617248a9061841b65f6-can-the-bank-take-a-non-refundable-deposit-from-a-buyer-before-the-actual-sale/</loc><lastmod>2026-06-05T17:25:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a7a604c629d7c8bb6715982ad796bec0-can-a-buyer-of-insurance-sell-the-policy-to-a-third-party/</loc><lastmod>2026-06-05T17:26:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c448ecb49dda7faf7414990abdaed967-what-is-the-ruling-on-sale-by-installments/</loc><lastmod>2026-06-05T17:28:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fa8293ca2b2ca29e814b19b78bc55446-can-the-bank-stipulate-that-the-purchase-orderer-pay-administrative-fees-in-addition-to-the-cost-of-the-good-and-the-profit-markup/</loc><lastmod>2026-06-05T17:28:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/41cb3c29f3d353dbb87a73c038525d9a-can-an-islamic-bank-buy-property-in-a-non-muslim-country-if-some-tenants-have-shariah-non-compliant-businesses/</loc><lastmod>2026-06-05T17:29:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/485fb0396d27c80b7dcf95016cc4e51c-is-it-lawful-after-buying-real-estate-to-rent-it-out-to-its-previous-owner/</loc><lastmod>2026-06-05T17:30:02+08:00</lastmod></url><url><loc>https://ifikr.my/resources/370e3a685f579674f22bff1092434e48-can-an-islamic-bank-sell-goods-to-a-company-and-then-buy-them-from-its-subsidiary/</loc><lastmod>2026-06-05T17:30:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2fef738f466ce4f1aa6836a09a3baaf4-can-an-islamic-bank-appoint-an-employee-of-a-vendor-from-which-it-buys-goods-to-receive-the-goods-on-the-banks-behalf/</loc><lastmod>2026-06-05T17:31:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/857fe05781d3a2314f3cf68459717970-who-bears-liability-for-goods-returned-due-to-defects/</loc><lastmod>2026-06-05T17:32:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/967c6097f943b9e24e2b67abe5c8bda5-can-a-financial-penalty-be-imposed-for-breach-of-a-promise-to-buy/</loc><lastmod>2026-06-05T17:35:02+08:00</lastmod></url><url><loc>https://ifikr.my/resources/77648e4813e56d2ae7df74317a23636a-can-an-islamic-entity-buy-real-estate-in-a-non-muslim-country-if-a-tenant-has-a-long-term-lease-that-allows-it-to-sell-alcohol/</loc><lastmod>2026-05-11T09:18:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e7d604670a37576b8eee9ce62ebab123-can-a-murabahah-deal-for-real-estate-be-structured-when-the-purchase-undertaker-buys-half-up-front-using-conventional-financing-asks-the-islamic-bank-to-buy-the-othe/</loc><lastmod>2026-05-11T09:18:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e980b7966710dabda3682c03216f9f6d-can-the-buyer-reseller-store-the-purchased-goods-in-the-primary-sellers-warehouse-before-the-second-sale/</loc><lastmod>2026-05-11T09:18:06+08:00</lastmod></url><url><loc>https://ifikr.my/resources/623de96a53056ca22c0c0f1e56d2e88b-can-a-deposit-be-taken-before-the-sale-if-it-is-counted-as-part-of-the-final-price/</loc><lastmod>2026-06-05T17:11:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/22e90eeff7ad18f5ccb3b6bfe013e5cb-can-the-murabahah-seller-take-a-mortgage-from-the-purchase-undertaker-before-it-buys-the-subject-of-the-contract/</loc><lastmod>2026-06-05T17:10:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3b38d150595ef2aea1607477bc4932c5-is-it-allowed-to-have-the-guarantor-sign-the-guarantee-pledge-before-the-purchase-that-creates-the-liability-on-the-purchase-undertaker/</loc><lastmod>2026-06-05T17:12:27+08:00</lastmod></url><url><loc>https://ifikr.my/resources/39545dede910ac7e5900177e0ed6d405-can-the-bank-buy-a-car-that-was-purchased-by-its-appraiser/</loc><lastmod>2026-06-05T17:09:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2d427b105cc80b942f4ff2eee75057ee-how-can-a-conventional-bank-be-converted-into-an-islamic-bank/</loc><lastmod>2026-06-05T17:13:27+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9f6a7c45788e08b6004009419c5bbf15-can-a-bank-put-a-clause-in-an-installment-payment-contract-requiring-the-buyer-to-pay-a-penalty-for-late-payment/</loc><lastmod>2026-06-05T17:14:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/29865416692a3536a495d4cd557569c8-can-the-bank-appoint-an-employee-of-a-supplier-as-the-banks-agent-to-receive-and-deliver-goods/</loc><lastmod>2026-06-05T17:15:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b1e93d6cfd8b56c47d05425ec6ea95b8-can-the-intermediate-seller-appoint-a-supplier-as-its-agent-for-some-murabahah-procedures/</loc><lastmod>2026-06-05T17:16:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/552f61e93c94552deececbf89a9be5e7-is-full-payment-required-up-front-if-delivery-of-the-purchased-goods-is-delayed/</loc><lastmod>2026-06-05T17:16:59+08:00</lastmod></url><url><loc>https://ifikr.my/resources/acc549686e0aa2126f3121f8ce7c4167-what-parameters-can-make-it-lawful-to-pay-earnest-money-to-a-car-dealer-to-book-a-sale/</loc><lastmod>2026-06-05T17:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c2efb0bce819b37cc978ad8b7f4221b9-can-a-car-dealer-charge-the-bank-a-commission-for-referring-a-prospective-buyer-to-the-bank/</loc><lastmod>2026-06-05T17:18:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/776233c9b8e0fbdaa2dc05823356952f-can-the-bank-sell-something-to-the-state-and-pledge-to-buy-it-back-within-a-certain-period-at-the-same-price/</loc><lastmod>2026-06-05T17:18:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/82705fb51620a7c823098c13bb2334b5-can-an-islamic-bank-take-loans-from-banks-that-are-indebted-to-it/</loc><lastmod>2026-06-05T17:19:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/721d8e557674f2a569031cfbeac61d92-how-to-deal-with-an-exchange-discrepancy-in-a-canceled-sale-that-involved-different-currencies/</loc><lastmod>2026-06-05T17:19:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/52c74fa140087d8a0d09936ddc1dfe4b-can-the-employer-delay-payment-of-the-monthly-salary-of-an-employee-under-probation/</loc><lastmod>2026-06-05T17:05:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/35da64c7a0869c9d5d9c154d4e861992-is-it-allowed-to-stipulate-an-option-to-either-buy-leased-property-at-the-end-of-the-lease-period-or-renew-the-lease/</loc><lastmod>2026-06-05T17:05:52+08:00</lastmod></url><url><loc>https://ifikr.my/resources/66a8a1baac810faaea0194b12da77799-can-the-rental-fee-in-a-lease-contract-be-variable-if-the-amount-for-each-period-is-pegged-to-an-established-standard-that-does-not-lead-to-dispute/</loc><lastmod>2026-06-05T17:06:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/acd1b29999b74a0eac699e682ec779fa-can-the-lessor-charge-the-lessee-a-fee-for-transferring-the-lease-to-his-name/</loc><lastmod>2026-06-05T17:07:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6791d63958fa76fff74378374039f240-is-it-allowed-to-invest-the-deposit-of-a-lease-contract/</loc><lastmod>2026-06-05T17:08:10+08:00</lastmod></url><url><loc>https://ifikr.my/resources/91c37e76eddc94ce5021fb7096d65006-when-the-lessor-in-a-lease-to-own-contract-also-undertakes-design-work-and-gets-project-licenses-can-it-charge-the-customer-for-these-services-in-installments/</loc><lastmod>2026-06-05T16:56:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c07311a777c1bad34a25d8de2672215a-after-buying-real-estate-is-it-allowed-to-appoint-the-seller-as-an-agent-to-lease-it-out/</loc><lastmod>2026-06-05T16:57:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bda0c8528ea00e0782504b18b0fbfb76-is-it-allowed-to-appoint-an-agent-to-find-properties-for-sale-buy-them-on-behalf-of-the-principal-and-collect-the-rent-on-his-behalf/</loc><lastmod>2026-06-05T16:58:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/20aed10b670ab114ec03a1259da55950-can-a-lessor-stipulate-that-the-lessee-must-bear-the-maintenance-costs/</loc><lastmod>2026-06-05T16:59:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/18c9a59c7c91bbc5e927b98f3308fed3-must-the-owners-agent-reveal-the-owners-name-to-the-lessee-in-a-lease-agreement/</loc><lastmod>2026-06-05T17:00:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1b0f0dcc9ac040b8aaefe57483cc172b-can-an-equipment-owner-assign-an-agent-to-manage-the-equipment-leasing-to-other-parties-for-an-agreed-agency-fee/</loc><lastmod>2026-06-05T17:01:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/91a25114e3d1b1cc87718a8d66881929-is-it-allowed-to-stipulate-a-penalty-clause-against-the-defaulting-lessee-in-a-lease-contract/</loc><lastmod>2026-06-05T17:01:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4ea7259180403e19dad463368272b2b4-what-is-the-rule-when-the-law-of-a-country-contradicts-the-shariah-e-g-when-the-law-imposes-maintenance-costs-on-the-lessee/</loc><lastmod>2026-06-05T17:02:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2f3e704f3dd7bc38ca37827f33d18bb7-is-it-allowed-to-sell-for-deferred-payment-the-usufruct-of-property-purchased-by-a-long-term-lease/</loc><lastmod>2026-06-05T17:03:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/304a06c62d7c71a37c0b187bddc2570e-must-the-lessee-pay-rent-if-the-leased-property-is-damaged/</loc><lastmod>2026-06-05T17:03:54+08:00</lastmod></url><url><loc>https://ifikr.my/resources/78ad1c7ae26e2b8b7bfd8f238cb09dd5-can-a-property-be-bought-from-a-company-and-leased-back-to-it-ending-with-a-gift-of-the-property-to-it/</loc><lastmod>2026-06-05T17:04:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5a0f4c02549251652653b691f26bf551-are-operational-leases-and-finance-leases-both-considered-valid-lease-agreements/</loc><lastmod>2026-06-05T16:52:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d28cad5dfeb45280dc98e095830017f0-is-it-permissible-for-an-islamic-bank-to-lease-infrastructure-to-a-government-ministry/</loc><lastmod>2026-06-05T16:52:56+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ba6774322216081c1e65120276c24913-is-it-permissible-in-a-lease-contract-to-impose-fees-on-the-lessee-for-ads-and-promotions/</loc><lastmod>2026-06-05T16:54:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7e325ed2ffbc2981e8b8bf1813ca0e6d-is-key-money-lawful-when-leasing-shops/</loc><lastmod>2026-06-05T16:55:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/520a865cb1ae77ad8ae12094240a42f3-is-it-allowed-to-enter-into-lease-contracts-that-include-penalty-clauses-if-so-what-should-be-done-with-penalty-fees-collected/</loc><lastmod>2026-06-05T16:56:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0b0a5804f9a2e1757ecf231709bbc05f-is-it-allowed-to-lease-real-estate-to-insurance-companies-that-offer-all-kinds-of-insurance/</loc><lastmod>2026-06-05T16:43:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/974d8c1f820f78ca64b87e07fd223ba1-is-it-allowed-to-pay-a-person-for-helping-to-obtain-an-investment-license/</loc><lastmod>2026-06-05T16:43:56+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b33e5d086de724b25543a6f87e788a5d-is-it-permissible-to-distribute-profits-before-they-are-earned/</loc><lastmod>2026-06-05T16:45:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2d61189c2251efb1db9965862a764375-is-it-allowed-to-enter-a-lease-contract-that-ends-with-the-purchase-of-the-leased-property/</loc><lastmod>2026-06-05T16:45:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8ddb04813731748107ebb2d3538e9c4f-is-it-allowed-to-buy-a-shop-from-the-lessee-and-then-sell-it-through-murabahah/</loc><lastmod>2026-06-05T16:46:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a7b8b0755fde75f7dcefeec93bacf3d3-is-it-allowed-for-the-buyer-to-appoint-the-seller-as-an-agent-to-lease-the-sold-commodity/</loc><lastmod>2026-06-05T16:48:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fdeb9f29e5a1688785876851891c3a83-is-hire-purchase-of-a-car-lawful-at-a-nominal-final-selling-price/</loc><lastmod>2026-06-05T16:48:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/842fcedbd8638d291ae2a1b030ca5af5-what-is-the-ruling-on-a-lease-agreement-that-culminates-in-ownership/</loc><lastmod>2026-06-05T16:50:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/61aa9fe0b090066c8af3747d74f0c88c-is-it-allowed-to-give-the-leased-car-to-the-lessee-or-sell-it-to-him-for-a-nominal-price-at-the-end-of-the-lease-contract/</loc><lastmod>2026-06-05T16:51:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9d3f19115aadf5e40f6f696ff4658aa2-is-it-allowed-to-require-the-lessee-to-get-comprehensive-insurance-for-the-car-and-assign-the-lessor-as-the-policys-beneficiary/</loc><lastmod>2026-06-05T16:35:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/13d5003e40d18740a98d205e22c77629-is-it-allowed-to-lease-to-the-seller-through-a-separate-contract-from-the-sale-contract/</loc><lastmod>2026-06-05T16:36:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/31c3e3885e3626b98410fd336cd6e118-is-it-allowed-to-request-an-extension-of-the-maintenance-period-to-compensate-for-disruption-due-to-force-majeur/</loc><lastmod>2026-06-05T16:37:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/43bbd495797d9e8ba88de0c4c5ce38f2-who-is-liable-for-damages-caused-to-material-and-previous-workmanship-in-a-construction-contract/</loc><lastmod>2026-06-05T16:37:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6810ad06d7127aefdde57ebba6c0b98e-is-it-allowed-to-agree-to-omit-or-add-new-tasks-in-a-construction-contract/</loc><lastmod>2026-06-05T16:38:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6b3b3766a7572ee4072967bb5be7a3be-can-the-bank-as-the-contractor-avoid-liability-for-defects-in-a-parallel-construction-contract/</loc><lastmod>2026-06-05T16:41:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/57282b68232041ec44f79298bc46cb0c-is-it-allowed-for-a-customer-to-be-the-executor-of-his-own-construction-contract/</loc><lastmod>2026-06-05T16:42:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/76721c95b9dafb5d39219d5daaeb4198-is-it-allowed-to-keep-the-difference-between-the-agreed-and-actual-construction-costs-or-must-this-amount-be-returned-to-the-customer/</loc><lastmod>2026-05-11T09:18:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c1befae2f4a227e7abfd0b10e75e9c5a-who-bears-the-difference-when-there-is-an-increase-or-decrease-in-the-construction-cost-in-an-istisna-contract/</loc><lastmod>2026-05-11T09:18:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/495a8f770b9305dab8986bd838f41d8b-what-is-the-ruling-if-different-currencies-are-used-in-parallel-istisna-contracts/</loc><lastmod>2026-05-11T09:18:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/da5be7aca7e5ebac6bd1bee4ebb0b281-is-it-allowed-to-bargain-in-an-istisna-contract/</loc><lastmod>2026-05-11T09:18:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5a9976a8f3cd53ac846b7ffd7247ae0f-is-it-allowed-to-sell-the-item-made-through-an-istisna-contract-before-its-completion/</loc><lastmod>2026-05-11T09:18:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d448fb2c2f2faa678c7c8780da7cd159-is-it-allowed-for-the-buyer-to-appoint-the-seller-as-an-agent-to-look-after-the-real-estate-it-has-purchased/</loc><lastmod>2026-05-11T09:18:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d2ee92cc6eb91c29ae89a2128d7857f4-is-it-allowed-to-appoint-the-seller-as-an-agent-to-safeguard-the-purchased-commodity-and-deliver-it-to-third-parties/</loc><lastmod>2026-05-11T09:18:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0329b78ca4592591ddcc55e06ace53e9-is-it-allowed-to-appoint-the-supplier-as-an-agent-to-collect-earnest-money-from-the-client-in-a-murabahah-transaction/</loc><lastmod>2026-06-05T16:34:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0f5a7ca2222cd461ff511ebbe2da66aa-is-it-allowed-for-a-member-of-the-board-of-directors-to-rent-a-house-from-the-company-he-manages/</loc><lastmod>2026-06-05T16:34:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c76753639f8f568f7ebdb343f269b704-is-it-allowed-for-a-shareholder-to-guarantee-the-funds-capital-for-the-other-shareholders/</loc><lastmod>2026-05-11T09:18:10+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cea04a121c022fe3a408d793ac319d85-is-kfh-considered-a-mudarib-or-an-agent-for-customers-in-a-currency-portfolio/</loc><lastmod>2026-06-05T16:23:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/eaf5a6607280d0879fc0062f935c1538-is-it-allowed-to-sell-a-share-of-common-property-that-has-been-leased-out/</loc><lastmod>2026-06-05T16:24:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/884f6a00bae2ed2ed22accc4f4006149-is-it-allowed-for-a-partner-in-a-deferred-payment-sale-to-sell-its-share-to-a-new-partner/</loc><lastmod>2026-06-05T16:25:27+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a00dbf3537f959caa037d9020d0d8ab5-is-it-allowed-for-one-partner-to-stipulate-a-priority-right-to-partnership-profits/</loc><lastmod>2026-06-05T16:26:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1a90437a6667d179820820636baff13e-is-it-allowed-to-stipulate-a-fixed-salary-for-the-entrepreneur-in-mudarabah-plus-a-percentage-of-the-profit/</loc><lastmod>2026-06-05T16:26:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/69e209eadeefa23c79027dd7d1ae11b0-if-one-partner-injects-additional-capital-after-the-initial-capitalization-should-the-shares-of-profit-be-adjusted/</loc><lastmod>2026-06-05T16:27:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/41fef845e5b7d216304d39a3fbb36d98-is-it-allowed-for-a-partner-to-sell-commodities-to-other-partners/</loc><lastmod>2026-06-05T16:28:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/277daf2c676696d55febc78507843f69-is-it-allowed-for-a-partner-to-sell-commodities-to-the-partnership/</loc><lastmod>2026-06-05T16:29:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ac104d83a3f820d8b37752d91b7954b4-is-it-allowed-for-a-company-to-contract-with-its-subsidiary-companies/</loc><lastmod>2026-06-05T16:29:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3e6ff9b99dfa06d6d43eaccc2300a758-is-it-allowed-for-a-partner-to-stipulate-a-fixed-salary-for-managing-the-company-and-then-distribute-the-profits-according-to-agreement/</loc><lastmod>2026-06-05T16:30:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9abbccb96c2b2612c6c7e45475b54e09-is-it-allowed-to-buy-spot-from-one-subsidiary-of-a-holding-company-and-sell-deferred-to-another-subsidiary-of-the-same-holding-company/</loc><lastmod>2026-06-05T16:31:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e289eb997691cc58c26dc1be3535b368-what-parameters-for-the-financial-independence-of-subsidiary-companies-affect-the-legality-of-transactions-with-them/</loc><lastmod>2026-06-05T16:32:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f9fad250e027c4882a0d5d7096f48635-clarifications-on-some-conditions-of-partnership/</loc><lastmod>2026-06-05T16:33:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/46222a9a0b0e9925fa7267fec346ae3c-is-the-ruling-on-an-employee-careless-about-confidential-job-related-information/</loc><lastmod>2026-06-05T16:12:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/43803678e64859dedb3ca346a6f39099-an-islamic-bank-contribute-to-a-charitable-project-from-its-profits-or-zakah-fund/</loc><lastmod>2026-06-05T16:13:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b23a24a158cb7c2a6e544dbbf56f9926-what-are-the-valid-conditions-of-a-contract/</loc><lastmod>2026-06-05T16:13:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/996edaba384b40cb87293c8bd7e6bd8d-is-a-charitable-religious-endowment-considered-a-legal-entity/</loc><lastmod>2026-06-05T16:14:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1ae5a1254a40de3b0c92043c76acb27d-can-an-islamic-bank-contribute-from-its-own-funds-to-organizations-doing-useful-activities/</loc><lastmod>2026-06-05T16:16:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b2ea1ff8cc4f5ede5e5c8a3df68d107d-if-a-person-makes-a-bequest-to-set-up-a-waqf-for-the-needy-are-his-children-eligible-if-they-become-needy/</loc><lastmod>2026-06-05T16:17:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/35d5ae503c445e5700e3589c02d7a5b6-is-someone-entrusted-with-a-deposit-liable-if-it-gets-lost-or-stolen/</loc><lastmod>2026-06-05T16:18:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3159882c613295af4ac2ac72793238e8-can-a-woman-work-during-the-iddah/</loc><lastmod>2026-06-05T16:19:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b02642845d63365c934a0d13ffd2f3e4-who-has-the-right-to-money-taken-from-contractors-due-to-construction-delays/</loc><lastmod>2026-06-05T16:21:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/22dce2d35469d9eb2acfa82e03045014-is-it-shariah-compliant-to-make-an-accounting-distinction-between-prices-of-short-term-and-long-term-corporate-assets/</loc><lastmod>2026-06-05T16:07:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/19f6fc48a5399b9720b5583d17d670d2-is-it-islamically-lawful-for-an-employer-to-decline-to-transfer-the-work-permit-of-an-employee-who-resigns-to-take-a-better-offer/</loc><lastmod>2026-06-05T16:08:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/25ddebe146d0caa003480ae3bf9e12e4-who-bears-liability-when-a-cheque-is-lost-in-the-clearing-process/</loc><lastmod>2026-06-05T16:10:54+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5ed49326a961bc0893536e8ef8e1be33-what-is-the-ruling-on-funds-with-unknown-account-holders/</loc><lastmod>2026-06-05T16:11:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9644af3b7e8cf09182ddb7a5e1d9d9bd-is-it-allowed-to-open-an-account-for-a-minor-orphan-with-his-guardian-listed-as-his-father/</loc><lastmod>2026-06-10T10:36:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/83165741bc47a18ba6bccf3b82869119-can-an-islamic-bank-give-financial-aid-to-charitable-organizations-with-accounts-at-the-bank/</loc><lastmod>2026-06-10T10:37:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d1ba583366909e4018edabc83e484be6-can-an-islamic-bank-give-some-current-account-holders-special-privileges/</loc><lastmod>2026-06-10T10:37:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dfb8de0fb6b8b8eeb9e49abb9fb6102c-can-lucky-draw-prizes-be-used-as-a-marketing-tool/</loc><lastmod>2026-06-10T10:37:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/de34b9c225966de53bae9c39d4d0d63f-can-an-islamic-bank-charge-fees-for-banking-services-rendered/</loc><lastmod>2026-06-10T10:38:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a3bfd24130dad04e7a37f6202780ade5-can-a-commercial-institution-distribute-cards-in-mosques-containing-information-about-its-activities/</loc><lastmod>2026-06-10T10:38:52+08:00</lastmod></url><url><loc>https://ifikr.my/resources/003399ba5e549f95af36a1350c67b97d-what-is-the-ruling-on-a-lucky-draw-contest-that-requires-no-purchase-to-participate-but-is-run-by-a-conventional-bank/</loc><lastmod>2026-06-10T10:39:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ab42090726444443e0018e7ca119b36b-can-an-islamic-bank-give-gifts-to-holders-of-accounts-having-funds-above-a-certain-amount/</loc><lastmod>2026-06-10T10:39:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b1764ccbd420ab1f973f7e5662e8a489-can-an-islamic-bank-make-regular-monthly-transfers-from-an-account-holders-account-to-pay-a-riba-based-loan/</loc><lastmod>2026-06-10T10:39:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e493fdb8461a772f9cdcdebe432fd5bc-what-is-the-rule-on-an-islamic-bank-issuing-credit-cards-or-acting-as-an-intermediary-to-issue-them/</loc><lastmod>2026-06-05T16:01:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/338451656ce6d6b6552767b07c15d8f9-can-a-parent-nominally-transfer-a-piece-of-his-property-to-one-of-his-heirs-to-facilitate-financing/</loc><lastmod>2026-06-05T16:02:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/33406ea734c9f7bc141844fecb49c026-can-a-muslim-landlord-allow-a-swimming-pool-it-owns-to-be-a-place-of-free-mixing-between-males-females/</loc><lastmod>2026-06-10T10:33:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/76b52da702585100e559ef3f73af4ac6-what-is-the-best-kind-of-charity-project-to-fund-in-a-poor-muslim-country/</loc><lastmod>2026-06-10T10:34:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/42c1f745f11985ece70e127796c651d2-can-3-d-cartoon-characters-be-used-in-displays-intended-for-children/</loc><lastmod>2026-06-10T10:34:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2fde705de316104632b3cd3c85d1268f-can-employees-accept-gifts-from-representatives-of-companies-doing-business-with-their-employer/</loc><lastmod>2026-06-10T10:35:02+08:00</lastmod></url><url><loc>https://ifikr.my/resources/92d397662f09f8261d122281e67f5aef-when-should-profits-earned-be-credited-to-the-accounts-of-investment-account-holders/</loc><lastmod>2026-06-10T10:36:10+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d39f8d6c2ce0f20f1ae26a27005d71be-can-a-bank-take-a-commission-from-merchants-who-accept-its-debit-card-for-payment/</loc><lastmod>2026-05-11T09:18:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/eac892add630ba5009acf2ee5d8685dd-the-use-of-mannequins-to-display-clothing/</loc><lastmod>2026-05-11T09:18:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ba68432a146c559432a4571df81abd0e-can-an-islamic-bank-impose-fees-on-some-accounts-and-not-others/</loc><lastmod>2026-05-11T09:18:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0149058fadfe735192530f6c32a22eda-transliterating-the-quran-in-another-alphabet/</loc><lastmod>2026-05-11T09:18:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/91985e03c58cc8a7119858a65b539256-can-an-islamic-bank-take-treasury-bills-as-payment-for-goods-purchased-from-it/</loc><lastmod>2026-06-10T09:26:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0b24838e3e1c65485846d5a1d2ea7e67-taking-bonds-or-bills-as-payment-for-debts/</loc><lastmod>2026-06-10T10:32:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d07985c08180de1aec18f33f5eab7a44-can-a-muslim-property-owner-lease-premises-to-a-foreign-exchange-company/</loc><lastmod>2026-06-10T10:32:54+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dafa580741323e63fe81b36f8569db92-can-muslim-male-employees-work-with-a-non-muslim-woman-who-does-not-dress-according-to-shariah/</loc><lastmod>2026-06-10T10:33:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b724366fe80dc4b1a2314e0684725460-can-an-islamic-bank-accept-assignment-of-rights-requested-by-usurious-banks-of-their-customers/</loc><lastmod>2026-06-10T10:33:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/49e5970fb3a1f98b247b4642c837cda9-is-it-allowed-to-distribute-mudarabah-profits-on-the-basis-of-gross-profits-rather-than-net-profits/</loc><lastmod>2026-06-10T10:33:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2e33c7ec7e1e0276a3de0f47356605d2-what-is-the-ruling-on-men-training-female-employees/</loc><lastmod>2026-06-10T10:33:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/62931b6e9b39346eb9b07a9f41ef7a70-can-an-investor-withdraw-from-an-investment-project-before-its-term/</loc><lastmod>2026-06-10T09:35:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3d84fc10dc48a3925a10a1b94249cf69-what-principle-should-be-used-to-calculate-banking-sector-profit/</loc><lastmod>2026-06-10T09:36:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e8a7922d08c03b05fcae312d1d0a35bd-can-a-condition-of-investment-link-the-right-of-withdrawal-to-relinquishment-of-any-share-in-the-profit-or-loss/</loc><lastmod>2026-05-11T09:18:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c0b38bc4ddd0f8752ee42d4cd7b84b82-can-stories-for-children-use-drawings-of-people/</loc><lastmod>2026-05-11T09:18:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7172f8193ed96c65960aef1845935600-can-an-islamic-investment-prospectus-mention-an-expected-profit-rate/</loc><lastmod>2026-06-10T09:22:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6f3ea851883848428f306902a11da1e8-can-customary-practice-affect-the-ruling-on-some-financial-practices/</loc><lastmod>2026-06-10T09:23:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/74b2e83dbb11106485349d3481cf9f6d-how-to-treat-a-customer-who-withdraws-his-deposit-from-an-unrestricted-investment-account-before-the-agreed-time/</loc><lastmod>2026-06-10T09:24:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7ed5fdd29ed670a05e4e8e15552e2912-is-a-customer-allowed-to-transfer-funds-from-his-savings-account-to-his-current-account/</loc><lastmod>2026-06-10T09:25:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b6e16e213dd2d06bb265530bd4469e4f-is-it-allowed-to-consider-the-seller-as-the-banks-agent-when-the-buyer-pays-using-the-banks-credit-card/</loc><lastmod>2026-06-10T09:25:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3cf21b4ff4d604cfcb0c525c4d1b6706-is-it-allowed-for-an-islamic-bank-to-place-an-interest-bearing-deposit-in-the-central-bank-if-the-law-requires-it/</loc><lastmod>2026-05-11T09:18:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4b06a66fe37a06ee1bafdd6e0e72054f-is-it-allowed-to-mix-deposits-of-different-periods/</loc><lastmod>2026-05-11T09:18:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/15fefc460c24a482c216f33a8595e7af-can-investment-accounts-share-in-the-same-profit-and-loss-calculation-if-they-are-opened-on-different-dates/</loc><lastmod>2026-05-11T09:18:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a6f8718b01802c591e24726312bdc5b2-how-to-treat-a-new-deposit-in-a-mudarabah-investment-account/</loc><lastmod>2026-05-11T09:18:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9fcbb8e4ad8de1b78600a47701501776-is-it-allowed-to-deposit-funds-in-a-conventional-bank-in-exchange-for-reduced-fees-on-tawarruq-transactions/</loc><lastmod>2026-06-10T09:20:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/98a084954e71194816d1f63c4a0f6592-can-an-islamic-bank-loan-money-to-a-customer-for-currency-trading-via-the-bank/</loc><lastmod>2026-06-10T09:20:56+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1864d6619c97986a7732fe2a75f0ae23-is-it-allowed-to-use-libor-as-a-benchmark/</loc><lastmod>2026-06-10T09:21:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b9f729b6b0c626caa9e2f833b10f816a-is-it-allowed-to-charge-a-fee-for-foreign-atm-withdrawals-in-addition-to-the-currency-exchange-fee/</loc><lastmod>2026-06-10T09:21:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4a2e798ebd63f49f7490faa63d7655ce-is-it-allowed-when-issuing-a-bank-draft-to-include-the-cost-of-a-procedure-the-customer-might-not-use-when-cashing-it/</loc><lastmod>2026-06-10T09:21:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e3f72fc02843727e5dd55971a8cd0ea7-is-it-allowed-to-exchange-loans-in-different-currencies/</loc><lastmod>2026-06-10T09:21:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5f2889cfc91e2f8ff3ef797b9b7b6890-is-it-permissible-for-banks-to-exchange-interest-free-loans/</loc><lastmod>2026-06-10T09:03:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8311427ace7a35fe26f47675a07438e8-is-it-allowed-to-charge-non-muslims-interest/</loc><lastmod>2026-06-10T09:03:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f0896a83b018146a4aa2d2737e84c722-is-it-allowed-to-sell-the-shares-of-a-company-while-it-is-still-being-established/</loc><lastmod>2026-06-10T09:04:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5e0942e0786b080cd075e584a150a33a-is-it-allowed-to-buy-the-shares-of-companies-that-deal-in-interest-in-order-to-change-them/</loc><lastmod>2026-06-10T09:05:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b0d63195ab406f0140d45c342c2307c9-is-it-allowed-to-buy-the-shares-of-companies-whose-activities-are-lawful-but-have-usurious-loans/</loc><lastmod>2026-06-10T09:06:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c944ca8e91a20220989bcfe3f8e8cbd9-is-it-allowed-to-buy-shares-of-a-conventional-insurance-company-in-order-to-convert-it-into-a-cooperative-insurance-company/</loc><lastmod>2026-06-10T09:07:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/20bebc2a2366e795cf7be1d82d7f9f4e-is-it-allowed-to-give-a-guarantee-for-the-buyer-of-shares-in-case-of-loss/</loc><lastmod>2026-06-10T09:07:59+08:00</lastmod></url><url><loc>https://ifikr.my/resources/829676eab9228426911d786d3a7ca801-is-it-allowed-to-give-shares-as-compensation-for-labour/</loc><lastmod>2026-06-10T09:08:27+08:00</lastmod></url><url><loc>https://ifikr.my/resources/36ea5d069288b1fcc2fb01fd7863416c-is-trading-allowed-in-shares-that-represent-mostly-receivables-and-cash/</loc><lastmod>2026-06-10T09:09:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/96f71b44be2a36916a474ac4b05837de-is-it-allowed-for-a-company-to-assign-an-agent-to-buy-shares-of-the-company-on-its-behalf-and-then-sell-them-to-himself/</loc><lastmod>2026-06-10T09:09:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e4b89cafc68cd21041af0a88873c1461-what-is-the-ruling-on-buying-and-selling-shares-that-represent-a-mix-of-tangible-assets-and-debts/</loc><lastmod>2026-06-10T09:09:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a504a2b97b912a8dcebb6afe438bf215-is-it-allowed-to-buy-shares-when-the-share-manager-stipulates-the-right-to-buy-back-the-shares-when-the-buyer-decides-to-sell/</loc><lastmod>2026-06-10T09:10:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3528a487d297e8663bd8284885c7498b-what-is-the-ruling-on-buying-currencies/</loc><lastmod>2026-06-10T09:00:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b3bd6c14f3a7dfe9b0669fa14cb84348-what-is-the-shariah-ruling-on-charging-bank-service-fees/</loc><lastmod>2026-06-10T09:00:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d259805664b2eac16a2dc5f2d95eec35-what-is-the-shariah-ruling-on-charging-a-fee-to-issue-a-bank-draft/</loc><lastmod>2026-06-10T09:01:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/58ae06a113525c24bd1569ea6a995b44-can-an-adult-open-an-account-for-a-minor-with-restrictions-on-the-right-to-withdraw-from-it/</loc><lastmod>2026-06-10T09:02:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/68c6a48964ebc26aa6f71dea5fbf0a20-is-it-allowed-to-restrict-the-right-to-withdraw-from-an-investment-deposit-account/</loc><lastmod>2026-06-09T09:36:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/76ba15347ef0b245b9f899a4178435e4-what-kinds-of-services-are-subject-to-fees/</loc><lastmod>2026-06-09T09:39:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c1f80f234ee9885b85f6d556c6889c31-what-is-the-shariah-ruling-on-enabling-visa-electron-cardholders-to-make-withdrawals-from-kfhs-atm-machines/</loc><lastmod>2026-06-09T09:40:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/39d5294046830f573e789779ccf1a84a-what-is-the-shariah-ruling-on-enabling-holders-of-visa-cards-issued-by-other-banks-to-make-withdrawals-using-kfhs-atm-machines/</loc><lastmod>2026-06-09T09:56:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/66638d8133a5ed15b9cd28b13a14f092-what-is-the-ruling-on-enabling-holders-of-visa-cards-issued-by-other-banks-to-make-withdrawals-using-kfhs-atm-machines-2/</loc><lastmod>2026-06-09T09:56:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7baca83023f62614f1633d5b81f7fd9e-can-a-bank-charge-a-fee-to-print-out-an-account-statement-or-receive-a-wire-transfer-on-behalf-of-a-customer/</loc><lastmod>2026-05-11T09:18:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/484b7befbe4327ebfd6e1cc2ebfeea32-how-should-an-amount-transferred-from-a-savings-account-to-an-insurance-account-be-considered/</loc><lastmod>2026-05-11T09:18:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0cb35633845db0d404d771b5d346ba10-what-is-the-ruling-on-providing-additional-services-that-include-life-insurance-to-visa-gold-card-holders/</loc><lastmod>2026-05-11T09:18:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d1b4d16ac74e74769816402c4b9ba9e5-some-conditions-for-issuing-a-visa-card/</loc><lastmod>2026-05-11T09:18:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9c01c7414479f5e373c3651476313d84-what-is-the-investment-procedure-in-case-an-investment-savings-account-is-opened-in-a-foreign-currency/</loc><lastmod>2026-06-09T09:32:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/42a121cca5b2611267c20767867c21fa-what-is-the-ruling-on-terminating-an-international-murabahah-deal-before-its-term/</loc><lastmod>2026-06-09T09:33:03+08:00</lastmod></url><url><loc>https://ifikr.my/resources/514c409fe80b13abfc0fd079bfd0887f-revisiting-the-ruling-on-terminating-an-international-murabahah-deal-before-its-term/</loc><lastmod>2026-06-09T09:34:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1337addff16eeae527c6387611a8934b-what-is-the-ruling-if-a-debtor-after-late-payment-of-a-debt-voluntarily-loans-the-same-amount-to-the-creditor-for-the-same-period/</loc><lastmod>2026-06-09T09:34:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cbcd12358f9acbadfcf0b0ba206de52f-issues-in-installing-an-electronic-debit-machine/</loc><lastmod>2026-06-09T09:35:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7224af4f6d3e5ce14f38dbf03d19239a-what-is-the-ruling-on-withdrawal-of-a-deposit-made-in-foreign-currency-from-an-investment-account-before-the-end-of-the-deposit-period/</loc><lastmod>2026-06-09T09:35:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ab9334f00031a66228a77912579ae73a-issues-related-to-point-of-sale-service-knet/</loc><lastmod>2026-06-09T09:12:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6047bbb546cb7591a793b07f308a9f2b-is-it-allowed-for-a-partner-to-replace-his-customer-in-a-foreign-currency-investment/</loc><lastmod>2026-06-09T09:24:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/be9497551ac4d94a8f20ceee6d9ac05b-issues-in-foreign-currency-investment/</loc><lastmod>2026-06-09T09:26:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a3ebeb8ccc237c640e422344c7deb725-is-it-allowed-to-set-a-minimum-fee-for-opening-a-documentary-credit/</loc><lastmod>2026-06-09T09:26:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cc801970c75084bd1cd3969fd3bb087b-some-aspects-of-two-contracts-in-one/</loc><lastmod>2026-06-09T09:26:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9af6c7371c824f75bc647efb58d3462d-is-it-allowed-for-a-nominated-bank-to-take-a-commission-for-opening-a-documentary-credit/</loc><lastmod>2026-06-09T09:27:08+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e0ccaff67f0f765b86d8a5efb75d6af7-issues-in-deferred-payment-documentary-credits/</loc><lastmod>2026-06-09T09:28:08+08:00</lastmod></url><url><loc>https://ifikr.my/resources/aac54e27238f7f3efcd85981ea21db44-is-it-allowed-to-ask-the-contractor-of-a-project-to-provide-a-guarantor/</loc><lastmod>2026-06-09T09:28:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fb7b1c1ecf14a7ff9ee732a5c869bd67-is-a-guarantee-against-any-defect-in-the-product-of-istisna-allowed/</loc><lastmod>2026-06-09T09:30:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d145b2f23a5b6d5391e9b4e8f3292a41-is-it-allowed-to-issue-a-guarantee-for-the-benefit-of-a-conventional-bank/</loc><lastmod>2026-06-09T09:31:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/793afb4c8ff5e105f99d1d54dac3f6ed-is-it-allowed-to-take-a-commission-on-issuing-letters-of-guarantee-and-confirmation-of-documentary-credits-when-dealing-with-foreign-banks/</loc><lastmod>2026-05-11T09:18:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5a92c23d341afc1c52bac5ba63b2df71-is-it-allowed-to-invest-zakah-funds/</loc><lastmod>2026-05-11T09:18:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d7ad9d7c0d3e91a6817da613345eeb1a-must-the-creditor-pay-zakah-on-outstanding-debts/</loc><lastmod>2026-05-11T09:18:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a8aad8b87a22d9abc57a5325a6c2d1b8-can-waiving-a-debt-be-considered-payment-of-zakah/</loc><lastmod>2026-05-11T09:18:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d44ce0875b768a17d5fa7d31e1e8fd79-who-is-responsible-to-pay-zakah-in-a-profit-sharing-partnership/</loc><lastmod>2026-06-09T09:11:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b2101103e7092d89e869b635c4abef3d-what-is-the-starting-time-in-calculating-zakah-for-an-amount-added-to-a-banks-reserve-fund-and-for-the-issuance-premium/</loc><lastmod>2026-05-11T09:18:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bfff8586c5327b1e9934b1eb486a3163-is-zakah-due-on-a-piece-of-land-if-the-owner-plans-to-build-on-it-in-the-future/</loc><lastmod>2026-06-09T08:59:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/067cf47f20b3ab2c9057be6d2ba89080-how-to-calculate-the-zakah-of-shares/</loc><lastmod>2026-06-09T09:01:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2270d60020c5e15a0de4d625a2b3a474-how-should-zakah-be-calculated-for-the-solar-year/</loc><lastmod>2026-06-09T09:02:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ef78863bc8a3879f5c42a204079f0d8b-are-the-amounts-given-to-employees-for-their-official-business-travel-considered-their-right/</loc><lastmod>2026-06-09T09:04:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b84fe6564d3e3e6ac5bea70444aeece5-is-it-allowed-for-an-islamic-bank-to-accept-government-compensation-for-lost-income-due-to-force-majeure/</loc><lastmod>2026-06-09T09:04:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f24b0bf0c4c91e7caf95aa7fa342f41d-after-buying-a-persons-debts-is-it-allowed-to-give-him-a-gift/</loc><lastmod>2026-06-09T09:05:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b222d1ffd3d348dc3962ffb52921d3e7-is-it-allowed-to-deprive-an-employee-of-contractual-benefits-for-reasons-not-directly-related-to-his-job-performance/</loc><lastmod>2026-06-09T09:05:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7c86e72ef1e496932383dda7497dd439-is-it-allowed-to-build-a-swimming-pool-in-a-hotel/</loc><lastmod>2026-06-09T09:06:06+08:00</lastmod></url><url><loc>https://ifikr.my/resources/718c8e47768b317a666cfbbbebe36775-what-is-the-ruling-on-talfiq-picking-choosing-fatwas-from-different-schools-of-thought/</loc><lastmod>2026-06-09T09:06:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e52b82bc17b852f4567c0a3650e299d3-is-it-allowed-to-install-a-satellite-dish-for-an-apartment-complex/</loc><lastmod>2026-06-09T09:07:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0fe1439b824e812fd1f047c92b5606c2-is-it-allowed-to-simultaneously-act-as-an-agent-and-a-mudarib-entrepreneur/</loc><lastmod>2026-06-09T09:07:54+08:00</lastmod></url><url><loc>https://ifikr.my/resources/34b05e181109757488ff1d1ca1ac8c99-is-it-allowed-to-purchase-a-building-that-has-already-been-leased-for-unlawful-practices/</loc><lastmod>2026-06-09T09:08:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/63523f25d22c836695a1f23ba59d63b8-is-it-allowed-to-conduct-mixed-training-programs-for-male-and-female-employees/</loc><lastmod>2026-06-09T09:09:58+08:00</lastmod></url><url><loc>https://ifikr.my/resources/43aed8a982dec5ffc3c464dbcb038302-is-it-allowed-to-participate-in-a-project-involving-contracts-that-contain-some-prohibited-clauses/</loc><lastmod>2026-06-09T09:10:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2c764991e8780ea1f83f3779bbe4c86c-is-it-allowed-to-accept-gifts-from-usurious-institutions/</loc><lastmod>2026-06-08T17:06:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f3743f37198c9f820af37040da3c8d97-is-it-allowed-to-lease-a-property-and-build-residences-to-be-leased-to-the-first-owner-of-the-property/</loc><lastmod>2026-06-08T17:07:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d0fe74c92486cb14afffce94681fc116-is-it-allowed-to-introduce-an-international-murabah-contract-based-on-months-instead-of-year/</loc><lastmod>2026-06-08T17:07:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/690847531b487e9be7b4f27a529196b5-what-is-the-ruling-on-the-islamic-lease-sukuk-for-the-government-of-bahrain/</loc><lastmod>2026-06-08T17:08:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f31c9a93b337e7d9533af55fbeccd63c-what-is-the-ruling-in-dealing-with-shares-of-a-company-that-has-lawful-activities-but-is-involved-in-usurious-debts/</loc><lastmod>2026-06-08T16:35:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/29ddbf0c615bd8b5d6b3db2b114b81e0-what-is-the-ruling-of-investment-fund-for-ijarah/</loc><lastmod>2026-06-08T16:37:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/786a9153981020b449b32a127838da30-rulings-of-investment-in-the-stock-exchange/</loc><lastmod>2026-06-08T16:38:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8a61033b82612a5a989ab6f363e5c250-what-are-the-rulings-of-purchasing-existing-companies-and-restructuring-them-so-that-they-conform-to-the-investment-requirements-of-the-shariah/</loc><lastmod>2026-06-08T16:43:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d75f21d09bc8a2aea382ffa1d553d39c-what-are-the-obligations-and-rights-of-the-wakil-in-investments-funds/</loc><lastmod>2026-06-08T16:47:56+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5ffd87fead73ffa8e2f6b99c545f051a-what-is-the-ruling-of-investing-in-a-project-that-aims-to-purchase-shares-of-a-company/</loc><lastmod>2026-06-08T16:51:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8deb83ea22fabc2d50c2433e96096c2c-is-it-allowed-to-enter-in-a-murabaha-contract-as-an-agent/</loc><lastmod>2026-06-08T16:53:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fe870b10385e32605e4f143875b23a16-is-it-permissible-to-make-an-advance-rental-payment-at-an-agreed-upon-percentage-in-a-real-estate-lease-contract-ending-with-a-promise-to-own-the-real-estate/</loc><lastmod>2026-06-08T16:54:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c9688db5822bf7ff0cd7ff48581918eb-is-it-permissible-in-a-project-to-accept-shares-of-companies-that-do-not-conform-to-shariah/</loc><lastmod>2026-06-08T16:55:10+08:00</lastmod></url><url><loc>https://ifikr.my/resources/89ac1b5bf612149a49c8e417db7118fd-what-are-the-rulings-of-establishing-a-real-estate-portfolio/</loc><lastmod>2026-06-08T17:00:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e2d653edda0efa42faac8d5996346d32-is-it-a-condition-in-establishing-an-investment-portfolio-to-deal-only-with-companies-that-are-full-shariah-compliance/</loc><lastmod>2026-06-08T17:03:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a41e3faf4affbb81a49c82d685e3424e-is-it-allowed-to-purchase-existing-companies-in-order-to-islamize-them/</loc><lastmod>2026-06-08T17:05:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3334b05ce87835dc933467481669b7dc-what-is-the-amount-of-zakah-that-must-be-paid-by-the-owners-of-a-funds-units/</loc><lastmod>2026-06-08T15:38:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/02057ca11350ceddd9af51989fbc6c7f-is-it-allowed-to-subscribe-to-the-sukuk-of-the-national-central-cooling-company-tabrid-in-the-united-arab-emirates/</loc><lastmod>2026-06-08T16:12:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0db40758155f8bc920d0f5b9a23f018f-is-it-allowed-to-enter-in-an-investment-of-lending-that-bring-benefit/</loc><lastmod>2026-06-08T16:16:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ba259282fed8e1d50dff8db36f7b363c-what-are-the-conditions-of-istisna-contract/</loc><lastmod>2026-06-08T16:34:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/96fbd659964a05090a9c0de6771757c1-what-is-shariah-opinion-concerning-the-use-of-tawarruq-in-financing-some-needs/</loc><lastmod>2026-06-08T14:12:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3628f778f28620dd37bccf43dde417ee-is-it-permissible-to-lease-a-leased-asset/</loc><lastmod>2026-05-11T09:18:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2eaaf9f3fcf4262a81d64453a416b0c6-is-it-permissible-for-kfh-to-act-as-a-joint-lead-manager-in-issuing-sukuk-for-the-dubai-civil-aviation-authority-dcaa/</loc><lastmod>2026-06-08T14:22:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6594df7a179450c78cf1f17f6ebe8d6a-is-it-permissible-to-enter-in-a-salam-contract-for-a-third-party/</loc><lastmod>2026-06-08T14:28:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/755d125b60cb98652ae61dc7ab03ffc2-what-are-the-rules-to-be-observed-concerning-al-yamamah-portfolio-account/</loc><lastmod>2026-06-08T14:32:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/52e39b9134da555341e0340ddcaf0b70-is-it-permissible-to-distribute-the-profits-before-the-endorsement-of-the-general-assembly/</loc><lastmod>2026-06-08T15:21:02+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4234760220a844aff0a2b5ae521bebea-is-klp-commercial-project-of-kfhs-asian-fund-conform-to-shariah/</loc><lastmod>2026-06-08T15:23:56+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b32560c902e5f51f4985768aef94e7ca-is-it-impermissible-to-separate-the-money-of-depositors-from-the-money-of-shareholders/</loc><lastmod>2026-06-08T15:29:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/db9de37864cd4168177154363eac4b0a-is-it-allowed-to-securitize-the-assets-owned-by-the-state/</loc><lastmod>2026-06-08T15:31:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7723ce719a720ae7cd35c9cbffb42eb4-is-it-allowed-to-invest-in-diyar-real-estate-investment-fund/</loc><lastmod>2026-06-08T15:33:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7816873e6c5eb4bbf9617f862cd4ca76-is-it-allowed-to-manage-the-surplus-liquidity-of-the-islamic-financial-institutions-by-purchasing-government-sukuk-that-are-approved-by-bank-negara-malaysia/</loc><lastmod>2026-06-08T15:35:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dce22714e87e835a54548e955f9df03f-is-it-allowed-to-take-the-profit-given-by-central-banks-for-the-deposit-of-surplus/</loc><lastmod>2026-06-08T14:04:59+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ccd4b07ade3a047725ded1ce70624b57-is-it-allowed-to-be-a-lead-manager-for-sukuk-that-are-not-tradable-in-the-secondary-market/</loc><lastmod>2026-06-08T14:05:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9765b95150bb7935f91aa426862c395e-is-it-allowed-to-trade-in-sukuk-istisna-when-the-project-becomes-a-tangible-asset/</loc><lastmod>2026-06-08T14:05:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/07ddefcc4f88b11a100d8baf238a23ca-what-are-the-shariah-conditions-that-allow-purchasing-shares-of-companies/</loc><lastmod>2026-06-08T14:05:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3c402de4f318fe6d8c314c49291fc208-what-are-the-shariah-conditions-to-invest-in-a-fund/</loc><lastmod>2026-06-08T14:06:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/92573c06e531258e5497b07604114b07-is-it-allowed-to-sponsor-some-types-of-sports/</loc><lastmod>2026-05-11T09:18:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0d76725c3988292e419953d65e6f836c-is-it-allowed-to-sale-and-purchase-sahres-of-islamic-companies-with-deferment/</loc><lastmod>2026-05-11T09:18:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8240312efb5938cde86bd14baf8cb54b-is-it-allowed-to-enter-in-a-diminishing-partnership-with-a-party-appointed-as-an-agent-to-manage-the-asset/</loc><lastmod>2026-05-11T09:18:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1973abf81e06a6f5aee2544d8f43f455-what-are-the-shariah-conditions-for-a-musharkah/</loc><lastmod>2026-05-11T09:18:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/01c2dcb433047efdaacf8fab4b394510-charging-fees-on-services/</loc><lastmod>2026-05-11T09:18:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0c8bdc391bf925a7b835f4e80e281161-what-is-the-ruling-on-charging-a-nominal-fee-for-withdrawing-an-investment-deposit-before-the-end-of-its-period/</loc><lastmod>2026-05-11T09:18:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a18fa6c5e644b1ed6c4c1d1a4736fca8-is-it-allowed-to-apply-the-current-exchange-rate-on-foreign-currencies-withdrawals/</loc><lastmod>2026-05-11T09:18:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/aac71cda8f673afe7168881edba57313-resolution-no-119-1-13-investment-of-awqaf-property-and-revenues/</loc><lastmod>2026-06-08T14:03:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e4c58a79cd7e562cb47e929adace7f19-resolution-no-120-2-13-zakah-on-agriculture/</loc><lastmod>2026-06-08T14:04:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9e346918a8441cc9a5856b3311368c65-resolution-no-121-3-13-zakah-on-stocks-acquired-for-investment/</loc><lastmod>2026-06-08T14:04:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0794c1a9aabc7e5ee23f8480990cc3a8-resolution-no-122-4-13-musharakah-mutanaqisah-diminishing-partnership-in-the-light-of-new-contemporary-contracts/</loc><lastmod>2026-06-08T10:04:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/91db21397dbd1e1173e3cf028a5054ec-resolution-no-123-5-13-qirad-or-mudarabah-mushtarakah-joint-mudarabah-in-financial-institutions-investment-accounts/</loc><lastmod>2026-06-08T10:17:03+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b397b50cff5929f8e7bb3bcda3ab537b-resolution-no-124-13-6-health-insurance-and-the-use-of-health-cards/</loc><lastmod>2026-06-08T10:18:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/13945d143388a5f91e52e3d0e28d62af-resolution-no-127-14-1-competition-cards/</loc><lastmod>2026-06-08T10:44:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c1c6352aec6d1a65acf085f2aacede7a-resolution-no-129-14-3-contractor-agreements-and-construction-contracts/</loc><lastmod>2026-06-08T11:19:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ebf05c2408cdbaf870a18177f295fbe9-resolution-no-130-14-4-modern-companies-holding-companies-and-other-types-of-companies-and-their-shariah-rulings/</loc><lastmod>2026-06-08T11:25:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/75a3200031370afc8371eb00d335b13b-resolution-no-133-14-7-the-problem-of-arrears-in-islamic-financial-institutions/</loc><lastmod>2026-06-08T11:39:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cf191ab769959e11b4df20c9b61f1062-is-it-allowed-to-lease-a-building-with-the-option-to-purchase-the-building-at-a-pre-agreed-price/</loc><lastmod>2026-06-08T11:40:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/449ddbbad96ca68a46d6cb726ca53574-is-it-allowed-to-purchase-a-property-registered-under-the-sellers-name-with-the-condition-that-the-seller-shall-then-lease-the-real-estate-from-the-buyer/</loc><lastmod>2026-06-08T11:40:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b162eb8169849b0590f685a190a13425-is-it-allowed-to-enter-into-a-contract-whereby-the-bank-is-obliged-to-sell-the-land-plots-to-the-contractor-after-it-has-been-purchased-them-from-the-developer/</loc><lastmod>2026-06-08T11:40:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6de4a5ba19b7e757202f0a7a2a4e2144-is-it-allowed-to-for-the-bank-to-provide-a-service-purchasing-real-estate-to-customers-because-the-policies-currently-applied-in-another-bank-do-not-allow-it-to-prov/</loc><lastmod>2026-06-08T11:40:52+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1feac9aa6750db6d51322c885f3d420d-is-it-allowed-to-provide-a-service-purchasing-real-estate-to-customers-on-behalf-of-a-conventional-bank/</loc><lastmod>2026-06-08T11:40:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/52b9e4ab74c9052df08f960dd274a96c-conditions-regarding-the-creation-of-investment-fund-on-real-estate-investment/</loc><lastmod>2026-06-08T11:49:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9f9a06918abd00141137628461388527-is-it-allowed-to-hide-the-profit-of-a-party-in-the-marketing-bulletin/</loc><lastmod>2026-05-11T09:18:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/754c7248f1becc0c2df9ad492b5abd79-is-it-allowed-to-sell-a-car-to-a-customer-and-to-keep-the-car-registered-in-the-banks-name-as-a-security-for-the-payment-of-the-due-installments/</loc><lastmod>2026-05-11T09:18:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7bf7af8f2b8dd8d45dad61bb095ac3dc-is-it-allowed-to-hide-the-profit-portion-of-the-mudarib-in-a-mudarabah-contract/</loc><lastmod>2026-06-08T09:59:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d2d002c4af29edc9f393e9d00ede7670-is-it-allowed-to-an-islamic-financial-institution-to-buy-its-depositors-shares/</loc><lastmod>2026-06-08T09:59:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/babcedd4a072400744b79d6115bb8866-is-it-allowed-for-a-company-owned-by-the-bank-in-the-usa-to-sell-a-car-to-a-customer-who-borrows-the-cars-price-from-a-bank-on-interest/</loc><lastmod>2026-06-08T09:59:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5d108a16d3854d8d8c3e29e6b2245519-is-it-allowed-for-a-company-owned-by-kfh-in-germany-that-sells-cars-in-cash-to-investment-companies-that-after-acquiring-ownership-of-the-cars-sell-or-lease-them-to/</loc><lastmod>2026-06-08T09:59:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/50d30f66e3a602243f7ab288fab10ff6-is-it-allowed-to-execute-a-tawarruq-transaction-in-order-to-pay-off-the-debt-if-the-objective-is-to-realize-the-interests-of-both-parties-especially-the-indebted-cust/</loc><lastmod>2026-06-08T09:59:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9998cee11b094ca6ac76e73d7cec2f3f-is-it-allowed-to-enter-into-a-construction-contract-with-a-company-to-execute-uncompleted-construction-work-on-one-of-its-projects/</loc><lastmod>2026-06-08T09:55:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/abe5a7f08a22b9a06f4c4e9073565551-is-it-allowed-to-enter-in-an-investment-where-the-capital-is-guaranteed/</loc><lastmod>2026-06-08T09:55:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f4c3c19d55ce79913cf0cdafdd8a81fa-can-fiscal-stamps-be-regarded-as-purchasable-services/</loc><lastmod>2026-06-08T09:55:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/be3bd724079d79efe7b58bbbdb3b4078-is-it-allowed-to-count-in-a-bba-contract-the-increase-of-market-value-of-the-asset/</loc><lastmod>2026-06-08T09:55:56+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c9182253eff0290ef55d2fd90976f4c2-is-allowed-in-bba-that-the-sale-price-shall-be-determined-at-the-time-of-transferring-any-part-of-the-lands-ownership/</loc><lastmod>2026-06-08T09:57:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cb2732a787f582e170272f31c914aba7-what-are-the-conditions-to-invest-with-a-company-that-has-a-shariah-board/</loc><lastmod>2026-06-08T09:58:08+08:00</lastmod></url><url><loc>https://ifikr.my/resources/714671aacb01ed2d112d94b2e4c964fe-what-is-the-shariah-ruling-if-the-option-of-annul-is-stipulated-only-for-one-parte/</loc><lastmod>2026-06-08T09:58:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c251f5b5be7b98f3c4823c949ae1cbe0-is-it-allowed-to-use-the-discount-rate-index-of-the-central-bank-of-kuwait-in-determining-the-price-of-commodities-and-services/</loc><lastmod>2026-06-08T09:58:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/22823a8bbb822b9026099a7da40eee66-is-good-inspection-obligatory-in-both-musawama-and-murabaha-contracts/</loc><lastmod>2026-06-08T09:58:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7e551baadab68a5944ea6c5c52d356d8-is-it-allowed-to-buy-shares-in-a-company-that-make-insurance-life-the-inventor-partner/</loc><lastmod>2026-06-08T09:58:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b034175455254539ac8d8ead6c40b5f7-what-is-the-shariah-ruling-in-the-earnest-money-left-by-the-buyer/</loc><lastmod>2026-05-11T09:18:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ed40e0efebcd0e54f5004307ead53243-is-it-allowed-to-purchase-a-license-from-a-company-and-leas-it-to-the-same-company/</loc><lastmod>2026-06-03T14:54:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c4770a591c643861b5d53b3c8c93f895-is-it-allowed-to-purchase-a-joint-stock-company-and-selling-it-to-a-customer-through-murabahah/</loc><lastmod>2026-06-03T14:54:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5989fb3e16a3661973920f84b4cbc4b0-what-are-the-conditions-for-issuing-sukuk/</loc><lastmod>2026-06-08T09:55:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/93c548b62c67db22e9351054dc16dd5f-what-is-the-shariah-ruling-in-contributing-in-projects-that-are-beneficial-but-can-have-some-illegal-aspects-like-hospitals/</loc><lastmod>2026-06-08T09:55:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/787dd265e156b004326da353ae11d987-is-it-allowed-to-buy-and-sell-commodities-of-metals-in-the-bases-of-tawaruq/</loc><lastmod>2026-06-08T09:55:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f5e742b45a0d48de2781acad9e304f40-is-it-allowed-to-lease-shops-that-buy-some-non-permissible-products/</loc><lastmod>2026-06-03T14:16:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5000a671ee2712863ee9805b6899ed84-what-is-the-price-to-be-written-in-the-contract-of-murabaha/</loc><lastmod>2026-06-03T14:16:58+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6832f8d4555676b1d84187a8e51bfab4-is-it-a-must-to-declare-the-actual-rate-of-return-paid-by-the-customer-in-bba/</loc><lastmod>2026-06-03T14:17:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ba245beeeffe7564b46e0c44ccf550c7-is-it-allowed-to-lease-an-asset-form-the-state-and-lease-it-to-the-state/</loc><lastmod>2026-06-03T14:20:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/61e7e86133f794a8e02d9c0cb72a5f1c-what-is-the-ruling-on-providing-a-tawarruq-transaction-to-a-company-a-percentage-of-which-is-owned-by-the-provider/</loc><lastmod>2026-06-03T14:22:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/32a97e5f1e8921cadc903c4d3c90b9f7-what-is-the-ruling-of-conducting-tawarruq-by-selling-islamic-sukuk-or-shares-on-a-deferred-murabahah-basis/</loc><lastmod>2026-06-05T15:07:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/48113fa102a708b0ecfc21aae7448ed1-is-it-allowed-to-oblige-the-customer-to-contribute-to-takaful/</loc><lastmod>2026-06-05T15:27:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/45a7330282f34abb1ee5147af8df23d4-is-it-allowed-for-a-customer-to-replace-a-good-that-he-purchased-with-another/</loc><lastmod>2026-05-11T09:18:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/676b395ca0c280dd5c26ac82e5ebc806-what-are-the-rulings-of-sukuk-al-musharakah/</loc><lastmod>2026-06-03T14:08:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2a1475d35db85377a8f3e8e73c001297-is-allowed-to-finance-and-trade-in-key-money/</loc><lastmod>2026-06-03T14:09:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8317fdd31bba1e990b19691b2127857c-is-it-allowed-to-buy-a-property-leased-for-forbidden-activities/</loc><lastmod>2026-06-03T14:11:03+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a116627c7172896cd8935298062867b9-is-it-a-must-from-a-shariah-point-of-view-to-know-about-the-origin-of-the-customers-money/</loc><lastmod>2026-06-03T14:11:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/17274a07f753d8c05f904e59b1d3c76a-is-it-allowed-to-contract-on-a-commodity-with-a-customer-that-is-binding-to-another-party/</loc><lastmod>2026-05-11T09:18:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/51b742f6c47dd1030a6e185e839757a4-what-are-the-shariah-rulings-for-sukuk-musharakah/</loc><lastmod>2026-05-11T09:18:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8af5de71d5f8baab9c83a67b0344ca94-is-it-allowed-to-purchase-the-usufruct-of-an-industrial-lots-and-sell-it-for-cash-payment-or-by-murabahah/</loc><lastmod>2026-05-11T09:18:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5fe60937c2d5799ed43442d376e02bbd-what-are-the-condition-in-financing-the-building-of-an-lpg-vessel/</loc><lastmod>2026-05-11T09:18:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6716374865eff56865fbd97ab518a726-is-it-permissible-to-distribute-gifts-to-those-who-open-accounts-at-banks/</loc><lastmod>2026-05-11T09:18:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4e40b0f1e5eb7bc1aa3d7c3c5f7203cd-what-is-the-ruling-on-khiyar-al-shart-annulment-option-for-the-buyer-that-is-implemented-in-a-number-of-islamic-financial-institutions/</loc><lastmod>2026-06-03T11:58:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f5577584693ecc7ae96003dda4172fbb-is-it-allowed-to-finance-hotels-that-provide-prohibited-services/</loc><lastmod>2026-06-03T14:06:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3d7c0a146d1d95225b27e1857afa79fd-is-it-allowed-to-enter-into-a-contract-that-include-promises-binding-upon-both-parties/</loc><lastmod>2026-06-03T14:06:56+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5f7e940422b322a6c33a21cdcbf02519-is-it-allowed-to-charge-a-nominal-fee-on-a-vip-customers-current-account-to-cash-issued-cheques/</loc><lastmod>2026-06-03T14:07:08+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ca97a4b52556ce5dc3b495d38f1028b4-is-it-allowed-to-buy-or-sell-shares-of-companies-that-are-involved-in-prohibited-activities-while-there-core-activity-is-permissible/</loc><lastmod>2026-06-03T14:07:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2db562df51941e6598c82740c4485614-what-is-the-ruling-on-participation-in-purchasing-real-estate-ownership-sukuk-in-malaysia/</loc><lastmod>2026-06-03T14:07:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9187c5d75eeeee297c7ee2d2fbc0033c-can-the-sukuk-holders-appoint-any-trustee/</loc><lastmod>2026-06-03T11:45:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1af6b81c9e71e34976ac94b9abcd49f9-rulings-of-exchangeable-sukuk/</loc><lastmod>2026-06-03T11:46:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8582790940a5345e16a686d8045c2662-rulings-of-sukuk-al-ijarah/</loc><lastmod>2026-05-11T09:18:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6152847c0d7e8638e51cddc6b000cf36-is-the-guarantee-of-specific-percentage-in-investment-contracts-permissible/</loc><lastmod>2026-06-03T11:54:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8ea757a4b5556636dae8dfffa5dbf1c0-what-is-the-ruling-of-penalty-clause/</loc><lastmod>2026-06-03T11:54:58+08:00</lastmod></url><url><loc>https://ifikr.my/resources/26b6933a4e2b0e29f0e92569ac4a4b88-is-it-allowed-for-a-fund-to-stipulate-that-sale-of-shares-must-be-done-for-the-partners-only/</loc><lastmod>2026-06-03T11:56:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/55fd25128ceb74c09c4a31e8fd3ef731-what-are-the-conditions-for-sukuk-ending-with-ownership/</loc><lastmod>2026-06-03T11:40:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f4c4012cfa22343ad827c81bf9e883e2-is-it-allowed-to-get-paid-as-partner-and-manager-in-a-musharakah/</loc><lastmod>2026-06-03T11:57:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9ef1ba5bd339b965b80ffa7dd4b74c29-what-are-the-rulings-for-a-short-term-liquidity-management-fund/</loc><lastmod>2026-05-11T09:18:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d00c436a4e06937a8d0b97ddf92f63b7-is-it-allowed-to-stipulate-the-guarantee-upon-an-agent/</loc><lastmod>2026-06-03T11:58:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9ab0b02c055e6e47d4eb086f7c846281-is-it-allowed-to-combine-between-istisna-and-ijarah/</loc><lastmod>2026-05-11T09:18:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5ae95aff673e530f31bdfd1f8ccd2cc3-is-it-allowed-to-sell-for-undeclared-agent-what-he-bought-as-agent/</loc><lastmod>2026-06-03T11:41:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d071b6b58c4db2c383bd581ff4a8f373-is-it-allowed-to-offer-tawarruq-on-shares-instead-of-construction-materials-iron-and-cement/</loc><lastmod>2026-06-03T11:41:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/99c6c60137bcc29584b9f210f84fec11-is-it-allowed-to-sell-sukuk-by-auction-with-either-spot-or-deferred-payment/</loc><lastmod>2026-06-03T11:41:52+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5881787a63ef93d05e2d0fc61bb4342f-what-are-the-rulings-of-the-investment-agency-contract/</loc><lastmod>2026-05-11T09:18:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/007ab752c6e018f222f564dac9851b68-what-are-the-shariah-rulings-on-the-stipulation-in-wakalah-contract/</loc><lastmod>2026-06-03T11:32:06+08:00</lastmod></url><url><loc>https://ifikr.my/resources/353027493c2282400c738ad0bc7114cc-the-rulings-of-the-musharakah-sukuk/</loc><lastmod>2026-06-03T11:33:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7e79494f732be1a9c61c26b00dec923b-what-is-the-shariah-rulings-in-transporting-money-for-a-sum-of-money/</loc><lastmod>2026-06-03T11:36:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/45f9ee8dff4249d8375fe5eb87195ec5-is-it-allowed-to-purchase-chalets-under-construction-that-will-be-sold-to-customers/</loc><lastmod>2026-06-03T11:36:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e8c86443ff56069f4434d20085007263-what-is-the-shariah-ruling-on-penalty-clause/</loc><lastmod>2026-06-03T11:37:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/20c519d16a81f5dd3018a0bc99da0f24-is-it-allowed-to-benefit-from-a-discount-in-a-murabahah-contract/</loc><lastmod>2026-06-03T11:37:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ece0ad8fed37e3642eed8e2332971a92-what-are-the-rulings-of-providing-special-advantage-to-customers-of-murabahah/</loc><lastmod>2026-06-03T11:38:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0cb42583b1951ecd16a253dc6160c7e4-is-it-allowed-to-oblige-customers-to-give-donations-trough-additional-amount-on-sale-price/</loc><lastmod>2026-06-03T11:27:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/711404dee92de09de6f8bc2924ba6087-is-it-allowed-to-contract-a-murabahah-whereby-the-customer-has-paid-an-amount-to-the-owner-of-the-asset/</loc><lastmod>2026-06-03T11:28:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1431f81046d74830bf646ce0517a9ccc-is-it-allowed-to-purchase-a-cruiser-with-its-berth-and-then-sell-it/</loc><lastmod>2026-06-03T11:29:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f5c47be1420bcc989ea44aa7d69d0069-is-it-allowed-to-charge-a-fee-to-the-purchase-undertaker-if-he-cancels-or-continues-the-purchase/</loc><lastmod>2026-06-03T11:29:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4c2a7ef6b5950184970d390503cd08e1-is-it-allowed-to-invest-in-projects-that-include-loopholes-related-to-bay-al-wafa-sale-with-the-right-of-repossession/</loc><lastmod>2026-06-03T11:29:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/11aff7771f4f0baa59841d9aad8dd8b9-is-it-allowed-to-supply-a-company-of-a-line-of-credit-in-the-form-of-tawarruq-transactions-to-finance-a-construction-project/</loc><lastmod>2026-06-03T11:30:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/518ee495fae2a854617ef49c569827be-is-it-allowed-to-sell-the-real-estate-if-their-owner-does-not-possess-them-completely-through-legal-documents/</loc><lastmod>2026-06-03T11:30:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/71029ab8e88116082015ad566e74b0c8-is-it-permissible-for-kfh-to-appoint-a-financial-institution-as-its-agent-to-issue-letters-of-credit-on-its-behalf/</loc><lastmod>2026-06-03T11:30:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/39b055208b2a9e14687a729921b5aa55-is-it-possible-to-enter-into-a-shariah-compliant-financial-agreement-with-the-turkish-government-by-purchasing-the-usufruct-of-their-assets/</loc><lastmod>2026-05-11T09:18:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/606c605e9eab213c79c86aca31bd2a3e-is-it-allowed-to-charge-fees-for-some-of-kfhs-financial-services-which-consume-employees-time-and-effort/</loc><lastmod>2026-05-11T09:18:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3573b5fa5fda1f5ae3bac5d65b58030b-what-are-the-permissible-means-to-restructure-a-conventional-debt-in-order-to-conform-to-the-shariah-principles/</loc><lastmod>2026-05-11T09:18:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f269a0a62d558ca51ffe41b965d24899-is-it-allowed-to-invest-on-behalf-of-the-customers-in-commodities-and-minerals-in-which-banks-compete-to-invest-the-wealth-of-their-customers/</loc><lastmod>2026-05-11T09:18:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/13b8d98e2405510ff29d1400ae701f13-is-it-allowed-to-buy-developed-properties-in-the-united-states-of-america-and-then-resell-them/</loc><lastmod>2026-06-03T11:26:10+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d03f7c12677f8d7765b5e3a603c83fee-is-it-allowed-to-invest-in-petroleum-products-through-murabahah-mark-up-sale-contracts/</loc><lastmod>2026-06-03T11:26:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a3dcc4c2f0fdb26a90577e10aa4604c3-is-it-allowed-to-purchase-two-properties-in-europe-whereby-the-first-is-a-warehouse-and-the-second-is-a-building-rented-by-a-foreign-bank/</loc><lastmod>2026-06-03T11:26:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f94b0c2499bb6ae3822f165e182a5805-what-is-the-ruling-on-sukuk-al-ijarah-issued-by-the-government-of-qatar/</loc><lastmod>2026-06-03T11:27:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/04c3f983df55a84f955326daca4be9a2-what-are-the-rules-governing-tawarruq-operations/</loc><lastmod>2026-06-03T10:17:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7647ed9c79f48a3c16e8a2e785351727-is-it-allowed-to-directly-pay-the-broker-his-fee-without-kfh-involvement/</loc><lastmod>2026-06-03T10:17:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/779a035bcfb84ce6cde9c4ee3e5fdc34-is-it-allowed-for-kfh-to-ask-for-compensation-for-terminating-the-contract-of-sale/</loc><lastmod>2026-06-03T10:52:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/10119f6e298cf771b310eb92edffdb2d-is-it-allowed-to-purchase-and-sale-of-patent-and-concession-rights-through-murabahah-or-istisna/</loc><lastmod>2026-05-11T09:18:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9b79580ea322c1f07669660598c757ad-it-is-allowed-for-kfh-to-carry-out-evaluation-process/</loc><lastmod>2026-05-30T16:50:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e55b0881617f3436a2f3987eb6fb2e25-is-it-allowed-to-lease-a-real-estate-property-for-5-years-with-option-to-purchase-the-real-estate-at-any-time-during-the-lease-term/</loc><lastmod>2026-05-11T09:18:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4e68703e58126bac9f29b11eda203b78-is-it-allowed-for-purchase-a-house-in-order-to-pay-off-the-debt-owed-by-a-customer-of-kfh-department/</loc><lastmod>2026-05-11T09:18:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e8c23683c4274f9bd8407e075435ecdb-is-it-allowed-for-kfh-to-accept-shares-and-bonds-with-interest-collect-the-interest-from-the-company-and-deduct-it-from-the-debt-until-the-entire-debt-is-paid/</loc><lastmod>2026-05-30T16:51:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2a600b24203f4edc482a17be14698830-is-it-possible-for-a-separate-company-that-is-rated-by-an-agency-like-s-p-to-play-the-role-of-a-reputable-bank-in-issuing-a-pledge-in-a-murabahah-operation/</loc><lastmod>2026-05-30T16:48:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/aa85106cf7a441923fee2fe10f310f49-is-it-allowed-to-purchase-two-properties-in-europe-in-the-form-of-hotel-apartments-leased-to-an-international-hotel-management-company/</loc><lastmod>2026-05-11T09:18:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f2720a5a7537a5e829ae6e7da0dd4003-is-it-allowed-to-enter-into-a-murabahah-contract-with-a-company-known-for-taking-and-giving-riba-based-loans/</loc><lastmod>2026-05-11T09:18:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5aa7e85154469d8718653cabe11b56f3-is-it-permissible-to-purchase-a-commercial-complex-and-allow-current-tenants-to-remain-in-it-providing-that-two-of-the-tenant-are-involved-in-riba-transactions/</loc><lastmod>2026-05-11T09:18:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2bfb17c75f174469ef31ec6ebf306624-what-is-the-shariah-compliant-way-to-structure-the-purchase-and-lease-of-two-airplanes/</loc><lastmod>2026-05-30T16:49:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a644ec4da2b46fe09ac0b55e216059c3-is-there-any-mechanism-to-adopt-to-reschedule-the-customers-debt-so-that-the-monthly-payment-is-reduced-and-the-number-of-years-is-increased/</loc><lastmod>2026-05-11T09:18:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0073988adb4c265b3a088f48fd9a229a-is-it-allowed-to-stipulate-on-the-customer-to-sign-a-binding-promise-to-purchase-the-goods-in-a-murabahah-contract/</loc><lastmod>2026-05-11T09:18:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bb69b1239714fb5231a6a90148a3124d-is-it-permissible-to-charge-a-fee-for-the-services-rendered-by-our-staff-in-evaluating-the-property-and-participating-in-an-auction-irrespective-of-whether-we-win-the/</loc><lastmod>2026-05-11T09:18:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1d9c4bc27e572512338c039e93d7c568-is-it-permissible-for-us-to-buy-the-debt-owed-to-one-of-our-customers-by-other-parties/</loc><lastmod>2026-05-11T09:18:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3e8266cb5e22e355eb13a625ce6d3724-is-it-permissible-to-buy-a-leasing-company-which-has-some-assets-in-the-form-of-treasury-bonds/</loc><lastmod>2026-05-11T09:18:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5a0056c1dfbe0754ceddb444c4f9c56c-what-is-the-criterion-for-cancelation-of-the-initial-agreement-in-the-murabahah-transaction-between-the-customer-and-the-supplier-or-the-car-dealer/</loc><lastmod>2026-05-11T09:18:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1da7a2755f07c951ce89683216f9c213-how-permissible-is-it-to-subscribe-to-shares-of-al-qarin-petrochemical-products-company/</loc><lastmod>2026-05-11T09:18:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f5be7b85be38d19726d29deb3db799aa-is-it-allowed-to-use-an-advertisement-statement-in-a-murabahah-contract-regarding-an-enjoyment-of-some-privileges/</loc><lastmod>2026-05-11T09:18:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0a11d6f2747e0491df261514d0ee81a7-is-it-allowed-to-adopt-templates-to-enter-into-tawarruq-transactions-with-a-select-group-of-international-banks-and-financial-institutions/</loc><lastmod>2026-05-30T16:47:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/762db0db80764b1e357e9c02f931f15e-is-it-permissible-to-use-vehicles-owned-and-possessed-by-a-company-and-registered-under-the-name-of-another-due-to-some-laws/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c562bf4c7a2adfcd44ee1a24a009d59f-is-it-permissible-to-give-an-unconditional-rebate-to-murabahah-costomers/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f9ed0200a4c82a5bf975f125e1b1218f-what-is-the-view-on-funding-projects-by-mudarabah/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9ab98c000d21d7951cfb8568cfc91e38-is-it-allowed-to-buy-a-telecommunication-services-from-a-mobile-service-provider-and-then-lease-it-to-its-clients/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/670cb18cf8fef1c25909474ec9f3331f-how-permissible-is-it-to-conduct-a-tawarruq-sale-for-a-client-who-wants-to-use-it-to-obtain-a-bank-statement-regarding-the-balance-in-his-account/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/15c93aba0e36c328dc681996d2ba511c-is-it-permissible-to-take-the-shares-of-companies-as-collateral/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5ef12c634a9be8f40022c94d1f6094ea-is-it-allowed-to-buy-petroleum-equipment-from-the-producer-and-sell-it-by-murabahah-to-the-client-along-with-a-guarantee-by-the-producer/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/76391a6c24d6c1594137749b9300c1d2-is-it-allowed-to-finance-a-hotel-project-in-kuwait-on-land-belonging-to-kfh-and-leased-to-the-client/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3b836df015614d8a7caea23c46a45756-is-it-permissible-to-enter-into-murabahah-investment-deals-using-an-investment-wakalah-agreement/</loc><lastmod>2026-05-30T16:42:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ed19e3c88526bb52200c824e4f2929b9-is-it-allowed-to-sell-a-portion-of-debts-to-the-bad-debt-market-at-a-price-slightly-less-than-what-is-owed-by-the-client/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e336b4c8f0cd2976375141928a60e122-what-is-the-opinion-on-the-proposed-tawarruq-financing-by-kfh-malaysia/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4509b6c01d3299715239581e231322f5-is-it-permissible-to-finance-projects-which-include-a-portion-of-haram-activities-providing-their-increasing-significance-in-the-society/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d2352c3750d8aa7908dde5ff0ce5ed51-what-is-the-opinion-on-kfh-malaysias-automobile-departments-products/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/12d7fd50d56ffe59303ea1fc07d7712c-is-it-allowed-to-conduct-a-tawarruq-procedure-for-a-rich-client-to-settle-his-debt-with-kfh/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cd1c1b980db4d1a0f9275382848c6498-is-it-permissible-to-conduct-tawarruq-procedure-for-a-company-that-intends-to-settle-a-previous-interest-based-debt/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/08e92a68acff6c18934391fbefb0920b-is-it-allowed-to-conduct-tawarruq-to-purchase-secondary-shares-of-a-mobile-phone-service-provider/</loc><lastmod>2026-05-11T09:18:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a447792cfffd318ea6935f5589841ca6-is-it-permissible-to-conduct-an-international-murabahah-agreement-for-repeated-deals-on-metals-worth-250-million-kuwaiti-dinars-for-a-period-of-5-years/</loc><lastmod>2026-05-11T09:18:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/89d14a39574919cf712eba0ca8c176bb-what-is-the-opinion-on-the-appointment-of-kfh-to-serve-as-an-agent-for-selling-the-commodity-and-receiving-its-price-in-a-tawarruq-deal/</loc><lastmod>2026-05-11T09:18:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e1eb5dfffb47c55db0b6fe02a12e2039-is-it-permissible-to-request-the-client-to-pay-a-fee-as-a-guarantee-to-show-his-commitment-to-purchase-the-property-that-he-promised-to-buy/</loc><lastmod>2026-05-11T09:18:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/83386ef1198a6aa620cc60519c885521-is-it-permissible-to-evaluate-only-the-real-estate-assets-of-commercial-banks-in-return-for-a-fee/</loc><lastmod>2026-05-11T09:18:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/963ae2021200d2a0102b1f3ae2a866ad-is-it-permissible-after-conducting-a-murabahah-contract-to-act-as-an-agent-for-the-same-clients/</loc><lastmod>2026-05-11T09:18:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e4a4fefe3c2b7e733296f84273fad90a-what-is-the-shariah-compliant-way-to-finance-the-exchange-of-vouchers/</loc><lastmod>2026-05-11T09:18:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/67304a333956bc45cae0db8ba58fa0c6-is-it-permissible-to-buy-a-commodity-in-order-to-sell-it-to-a-client-at-a-price-higher-than-its-true-value-providing-that-the-client-will-pay-the-difference/</loc><lastmod>2026-05-11T09:18:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/33acde98a1a486872a4ce6def438144f-is-it-permissible-to-fund-two-projects-properties-under-construction-through-a-murabahah-contract/</loc><lastmod>2026-05-11T09:18:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a8a6f1572597e2a957c9e0b415259271-is-it-allowed-to-facilitate-tawarruq-monetization-contract-by-buying-and-selling-crude-palm-oil-and-other-derived-products/</loc><lastmod>2026-05-11T09:18:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9caf5c0b79cbfac66196acfd99b42848-is-it-permissible-to-buy-a-property-from-a-company-fully-owned-by-kfh-and-then-sell-it-by-murabahah-contract-to-a-client/</loc><lastmod>2026-05-11T09:18:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4b33bab04fe05afade6ee88413c76e82-is-it-permissible-to-form-murabahah-contractual-agreements-with-different-timeframes-and-a-separate-contractual-agreement-with-each-deal/</loc><lastmod>2026-05-30T16:38:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/381a96eecea3476d4bd79220c503209a-is-it-allowed-to-give-a-discount-ibra-to-a-client-who-bought-a-land-through-murabahah-and-wishes-to-settle-his-debt-early/</loc><lastmod>2026-05-11T09:18:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/568a2501cdfb328510cf511b8a965f54-is-it-allowed-to-continue-providing-tawarruq-to-the-same-company/</loc><lastmod>2026-05-30T16:39:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4f21a4cbc6ea27b9762ed4419a7aff75-is-it-permissible-for-kfh-to-become-involved-in-a-portfolio-for-foreign-currency-exchange/</loc><lastmod>2026-05-11T09:18:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a006eae4a35659a671e10776e298fcbb-is-it-allowed-to-fix-the-exchange-price-on-the-subscription-day-rather-than-the-transaction-day/</loc><lastmod>2026-05-11T09:18:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e6ba30da5847cd9dbba7d0f2e5139254-is-it-allowed-to-charge-a-fee-on-cash-withdrawals-from-foreign-currency-accounts/</loc><lastmod>2026-05-11T09:18:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c72ff96e78069d9ff64abb09a461b1a0-what-is-the-ruling-on-a-transaction-concerning-a-promise-to-sell-foreign-currencies/</loc><lastmod>2026-05-11T09:18:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/93c90a2dd767f24396c1d3c8d3ad308d-is-it-allowed-for-the-law-firm-to-charge-fees-to-the-lessee-for-late-payment/</loc><lastmod>2026-05-11T09:18:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f902dbe4e1b413b2b6ffe03e2d972ec1-is-it-allowed-for-kfh-to-involve-in-an-ijarah-financing-with-a-promise-to-give-the-assets-to-the-lessee/</loc><lastmod>2026-05-11T09:18:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d8aeebf850ac804e477e5dd28e390c44-is-it-allowed-to-rent-out-airplanes-to-foreign-companies-that-sell-alcoholic-drinks-to-passengers/</loc><lastmod>2026-05-30T16:31:27+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9ff8f6a1855771c706e05b567e7438d0-is-it-allowed-to-involve-in-an-investment-project-to-establish-satellite-communication-stations-and-lease-them-out/</loc><lastmod>2026-05-11T09:18:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0bbc6dc292cb3e0cfb2e947b3bfcf97b-is-it-allowed-to-reduce-the-asset-value-in-order-to-reduce-the-rent-which-is-a-percentage-of-the-asset-value/</loc><lastmod>2026-05-11T09:18:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/65851d98eab19674d632e13788a7b523-resolution-regarding-the-lease-agreement-between-aviation-lease-and-finance-company-alafco-and-al-shuruq-company/</loc><lastmod>2026-05-11T09:18:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/29c4ec425b695dcfbeb5b8323ff16de1-is-it-allowed-to-establish-a-company-co-owned-by-kfh-and-the-real-estates-owner-to-participate-in-ijarah-muntahiyah-bi-al-tamlik-financing/</loc><lastmod>2026-05-11T09:18:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/86d76a1ed20f6aeed2073ed06e4b899b-whats-the-opinion-on-the-validity-of-leasing-the-real-estate-if-it-is-preleased-to-several-entites/</loc><lastmod>2026-05-11T09:18:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ff84a8a482a317cea53064ad832f24de-does-the-presence-of-a-lessee-in-the-building-prevent-leasing-it-through-ijarah-muntahiyah-bi-al-tamlik/</loc><lastmod>2026-05-11T09:18:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b3d96ac38bdbd2d5a60492b6f73507fa-is-it-allowed-to-involve-in-a-project-that-provides-credit-lines-to-invest-in-education/</loc><lastmod>2026-05-11T09:18:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ab3c4b63eed30770d0437bb05c1ebaa9-is-it-allowed-to-purchase-the-lands-usufruct-from-the-lessee-and-lease-it-back-to-the-lessee/</loc><lastmod>2026-05-11T09:18:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c1a1f0c5cebff6ae9ff096b49ab694a5-is-it-permissible-to-purchase-a-lands-usufruct-together-with-the-constructed-facilities-from-a-company-that-promises-to-lease-the-constructed-facilities-from/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b332c392a6616e52d74af217fbbbe281-whats-your-opinion-regarding-the-treatment-of-a-composite-lease-as-a-loan-by-the-us-internal-revenue-service-irs/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3fe3def1f3cd2b96c91f80879de07ff9-is-it-allowed-to-participate-in-a-portfolio-where-the-establisher-will-act-as-an-agent-as-well-as-a-principal-on-its-own-behalf/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/aa0d61609725e76b95e13aebab6c68af-whats-the-permissible-means-to-finance-the-electricity-project-in-turkey/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/62f173fe9cbe06cf844e8f8a1d70e9dd-is-it-permissible-in-a-murabahah-contract-for-the-customer-to-haste-to-accept-direct-shipment-of-the-goods-before-kfh-had-purchased-them/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9707289fdbf1ccb6d4e7be893edeeb3e-is-it-allowed-to-participate-in-a-lease-contract-that-is-currently-established-on-conventional-lease-agreement-in-order-to-be-leased-using-a-shariah-compliant/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/23f48f0ca4b08fffca07635ba7baefc0-is-it-allowed-to-participate-in-a-lease-contract-that-contains-a-clause-which-contravenes-the-laws-of-shariah/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cbb841bec226839aa38039bc73514f67-is-it-allowed-to-lease-existing-real-estate-properties-that-are-already-leased/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/66f662fa6cf19da6678807e97bd87bfa-what-is-the-ruling-on-having-a-lease-agreement-for-a-real-estate-property-but-with-different-rent-values/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e3dd5b1032079f0f8bcb008fe3bc1c35-what-is-the-ruling-on-collecting-an-advance-rent-payment-from-the-lessee-as-a-security-deposit-to-compensate-for-the-actual-damages-that-might-be-caused-by-the-lessee/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1b04f5eef36eb9451182c297a701ec0e-what-is-the-fatwa-committees-opinion-of-this-structure-of-establishing-a-fund-for-leasing-out-airplanes/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1e617276c1aa99f824716ec16316ac6a-what-is-the-fatwa-committees-opinion-about-the-entity-responsible-for-repairing-rented-cars-damaged-due-to-floods/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a9a1e3ac78138f6247113f4c2d2c6f33-what-is-the-ruling-on-this-proposed-structure-of-ijarah-muntahiyah-bi-al-tamlik-for-lands-or-real-estates/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a93779eee44b48869fb6916791b34148-what-is-the-fatwa-committees-opinion-on-the-enclosed-copy-of-an-ijarah-muntahiyah-bi-al-tamlik-agreement/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e4ba9c22fdc97e96b0ce711a0f0cca17-is-it-allowed-to-enter-into-a-contract-with-an-owner-of-residential-units-in-makkah-in-which-the-contract-grants-kfh-the-usufruct-of-the-residential-units-for-the-peri/</loc><lastmod>2026-05-11T09:18:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/63acefa9a83d7a729817291e2add0c42-what-is-the-ruling-on-obligating-the-lessee-to-purchase-the-leased-property-at-the-end-of-ijarah-muntahiyah-bi-al-tamlik-agreement/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a9ce48a5efe81d00fb3ed9dc5f5e7b50-what-is-the-ruling-on-applying-a-lease-contract-with-a-bilateral-promise-to-transfer-ownership-to-the-first-seller/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d3a5ca7934a658d47d54854c3e4c183e-is-it-allowed-for-kfh-to-purchase-an-investment-complex-and-lease-it-back-to-the-original-seller-the-previous-owner-using-ijarah-muntahiyah-bi-al-tamlik-agreement/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cc1325930f640e6fac6ce62c2a274b87-is-it-allowed-to-lease-buildings-from-an-entity-and-then-lease-these-buildings-to-another-entity-for-the-same-period-noting-that-the-two-parties-are-a-married-couple/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/321239b698e33a6ca02b9f5f7d7d7f14-is-it-permissible-to-provide-educational-murabahah-as-a-humanitarian-service-that-will-aid-in-developing-kuwaiti-families/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ad0b409f791156226eda8a63d1c79036-is-it-allowed-to-charge-rescheduling-fees-equivalent-to-the-actual-expenses-incurred-by-the-lessor/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/45e5c391c915925d798a30d77a4a1dd4-is-it-permissible-for-kfh-to-purchased-a-leased-land-and-the-usufruct-of-the-building-will-be-for-the-lands-lessee/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/097b8c47a67bc8273b7fd733bc141197-what-is-the-ruling-on-purchasing-and-trading-the-sukuk-ijarah-that-will-be-issued-by-the-government-of-bahrain/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/be97375342e2ef9daa1008f73962164f-is-it-allowed-to-charge-fixed-rescheduling-fees-that-are-based-on-commercial-standards-so-that-the-fees-charged-by-kfh-are-in-line-with-those-charged-by-other-banks/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7d830f6e112c70f8ff4584aae7790525-is-it-allowed-to-purchase-warehouses-that-are-leased-to-other-parties-and-what-is-the-rule-on-the-rent-generated-from-storing-musical-instruments/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/858b52fca42df021f1079277ca86e7b0-whats-the-fatwa-committees-opinion-regarding-sukuk-ijarah-issued-by-the-monetary-agency-of-bahrain-mab-on-behalf-of-the-bahraini-government/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a083a74944e5532120fd886c4640779b-is-it-allowed-to-install-access-to-television-channels-that-do-not-transmit-indecent-shows-or-that-which-clashes-with-islam-and-its-objective/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6789c5d69765b85694ed48cf6351e392-is-it-allowed-to-purchase-a-real-estate-properties-that-are-leased-to-two-companies-where-the-first-is-a-health-insurance-company-and-the-second-is-a-financial-collect/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ec74cca97238202da50c849a288b62be-is-it-allowed-to-participate-in-an-investment-consists-of-leased-offices-where-the-cafeteria-cannot-be-guaranteed-not-to-sell-pork/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/04fd509c455766be88e25dbf781002b7-what-is-the-position-of-the-funds-manager-vis-a-vis-the-discount-percentage-on-the-sale-of-shares-and-the-additional-profits-earned-in-the-event-of-positive-m/</loc><lastmod>2026-05-11T09:18:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/455e00ba14ff10667f39004ac0e10897-what-is-the-fatwa-committees-opinion-regarding-the-enclosed-model-for-ijarah-muntahiyah-bi-al-tamlik-agreement-that-kfh-bahrain-desires-to-use/</loc><lastmod>2026-05-29T09:40:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3d289530105c48fbb2c57d89a7a8ff3c-is-it-allowed-for-a-company-to-lease-the-property-to-a-third-party-providing-that-the-turkish-treasury-guarantees-the-payment-of-the-rent/</loc><lastmod>2026-05-29T09:40:52+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8408596220d709700fb930bd92dfe2d0-is-it-allowed-for-kfh-to-participate-in-issuing-sukuk-ijarah-for-the-state-of-qatar/</loc><lastmod>2026-05-29T09:41:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0ad36c1154ce91e601ff530a250ff672-is-it-permissible-to-providing-internet-access-to-kfhs-residential-and-commercial-complexes/</loc><lastmod>2026-05-29T09:41:27+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e64a5630b93e32bd9f22cca489d8e7b4-is-it-allowed-for-a-customer-to-enter-into-an-istisna-contract-with-kfh-to-construct-a-building-on-a-piece-of-land-owned-by-kfh-and-leased-to-the-same-custome/</loc><lastmod>2026-05-29T09:41:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f2f1c644ca2b9b76407c1bf8e216b110-whats-the-fatwa-committees-opinion-regarding-organization-of-the-business-of-islamic-banks-issued-by-the-central-bank-of-kuwait-cbk/</loc><lastmod>2026-05-29T09:42:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5b505f1498b5e11c319f416e652e275a-what-is-the-ruling-on-the-condition-set-by-the-cbk-that-the-assets-leased-through-ijarah-muntahiyah-bi-al-tamlik-must-be-treated-according-to-shariah-standard/</loc><lastmod>2026-05-29T09:42:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a014a1b7c3c25e30385fb6d190141397-is-it-allowed-for-kfh-to-enter-into-a-contract-with-debt-collection-agencies-that-provide-gifts-and-money-in-order-to-collect-the-owed-debts/</loc><lastmod>2026-05-29T09:43:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7d0e93f950522a9d5128a26f77e1a957-whats-the-fatwa-committees-opinion-about-the-participation-in-the-february-2004-shopping-festival/</loc><lastmod>2026-05-29T09:43:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b27c5568e487827990378eeb09aa19f2-what-is-the-ruling-on-providing-islamic-financing-to-a-company-for-leasing-an-entire-level-in-a-tower-under-construction-that-belongs-to-kfh/</loc><lastmod>2026-05-29T09:43:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d876f3b67d66a457215d41d9aa193d07-is-it-allowed-for-kfh-and-its-investors-kfh-spv-to-lease-airplanes-from-another-party-barclays-spv-and-then-lease-out-the-planes-to-the-end-lessees/</loc><lastmod>2026-05-29T09:43:58+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5f4610a33b6461d5e399ad005c861d25-is-it-allowed-to-purchase-real-estate-property-that-is-leased-through-ijarah-muntahiyah-bi-al-tamlik-and-then-to-lease-it-back-to-the-same-lessee/</loc><lastmod>2026-05-29T09:44:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d3cbaf63afd6ef03ecd898069f5bf356-is-it-allowed-for-the-seller-to-request-the-purchaser-to-pay-the-rent-for-a-period-before-the-sale-contract-is-effective/</loc><lastmod>2026-05-29T09:39:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/db3586023bf55520bda8c1056a724d0f-is-it-allowed-to-lease-lands-through-ijarah-muntahiyah-bi-al-tamlik-to-the-customers-that-desire-to-build-on-them-immediately-or-in-the-future/</loc><lastmod>2026-05-29T09:39:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/99ad9260f7121639cb9be2af22b357ed-is-it-allowed-for-a-customer-to-sell-a-piece-of-real-estate-to-kfh-and-then-to-lease-it-through-ijarah-muntahiyah-bi-al-tamlik-in-order-to-benefit-from-the-price/</loc><lastmod>2026-05-29T09:40:10+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f49b9dfd8c5d8dd154e643d556f123af-is-it-allowed-to-lease-out-a-real-estate-to-a-customer-and-grant-him-the-right-to-sublease-the-real-estate/</loc><lastmod>2026-05-29T00:05:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7f569c583126bc82c8ff2b7cd69ee19a-is-it-permissible-for-the-real-estates-owner-to-request-the-tenant-to-concede-the-remaining-lease-term-in-return-for-an-agreed-amount-of-money/</loc><lastmod>2026-05-29T00:17:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cde4565bee0df6e43e6cfea01b563aef-is-it-allowed-for-the-lessee-of-the-real-estate-to-purchase-it-from-the-company-according-to-an-agreement-between-them/</loc><lastmod>2026-05-29T00:11:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c460cc6d71d473729474c421f17f9897-is-it-allowed-for-kfh-to-carry-out-construction-on-leased-land-and-upon-completing-the-construction-process-to-lease-the-building-through-ijarah-muntahiyah-bi-al-tam/</loc><lastmod>2026-05-29T00:11:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e032d14595f9f251e37e1fcb8016cd80-is-it-allowed-to-construct-a-requested-building-and-lease-it-to-the-customer-who-owns-the-usufruct-of-the-land-through-ijarah-muntahiyah-bi-al-tamlik/</loc><lastmod>2026-05-29T00:11:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3f9e01de6e943787c59d045c13b8b0d9-is-it-allowed-to-charge-a-commission-on-every-electronic-purchase-and-sale-order-of-shares/</loc><lastmod>2026-05-29T00:07:52+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b5f6a27c6ffbb9661fc3202edbf034f5-whats-the-fatwa-committees-opinion-on-the-islamic-ijarah-deal-that-will-be-executed-in-favor-of-bahrain-petroleum-company-bapco/</loc><lastmod>2026-05-29T15:14:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/29c34df3ba1e00c9d07cbc9b31e3b4e8-whats-the-fatwa-committees-opinion-regarding-the-ijarah-muntahiyah-bi-al-tamlik-agreement-for-the-vacant-land/</loc><lastmod>2026-05-29T00:10:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/06d3cc90ce6c9902d8e96686e8c2a499-is-it-allowed-for-kfh-to-lease-a-building-owned-by-a-conventional-bank-in-order-to-use-it-for-its-offices/</loc><lastmod>2026-05-29T09:38:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bc2fc775630101314b76001ad86d6088-is-it-allowed-to-accept-a-cash-reward-in-return-for-kfhs-promise-to-participate-in-sukuk-ijarah-investment-deal/</loc><lastmod>2026-05-29T09:38:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d1daef2f938ae04eed9938ab886a2f5d-is-it-allowed-for-kfh-to-purchase-the-share-of-its-depositors/</loc><lastmod>2026-05-29T09:38:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ad94460c8df5d6937ba8b9c2c682a991-what-is-the-ruling-on-leasing-a-building-to-the-owner-of-the-buildings-land/</loc><lastmod>2026-05-29T09:39:03+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c0c313047e814fbd9c3f27b0ffb4e2dc-what-is-the-ruling-on-leasing-an-apartment-or-building-under-construction-through-ijarah-mawsufah-fi-al-dhimmah-forward-lease/</loc><lastmod>2026-05-29T09:39:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b5a3d641f319a3eb2d2f68c244ae633d-is-a-lessee-allowed-to-claim-the-remaining-period-rent-or-is-the-lessor-allowed-to-keep-this-rent-if-a-lessee-wants-to-terminate-the-lease-agreement-before-the-end-of/</loc><lastmod>2026-05-11T09:18:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6b0a20c813b508cd877180a0d59db190-is-it-allowed-for-the-lessor-to-take-an-agreed-amount-of-money-from-the-new-lessee-if-the-old-lessee-wants-to-transfer-the-shops-lease-agreement-to-him/</loc><lastmod>2026-05-29T00:05:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8bac4ac3f28e36ba04a295d0ab500cde-is-it-allowed-for-kfh-to-reserve-the-right-to-collect-the-rent-payments-from-a-conventional-insurance-company-if-the-customer-violates-any-of-the-terms-of-ijarah-finan/</loc><lastmod>2026-05-11T09:18:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/02417146efa5e97acf40d4d85b7d9863-involvement-and-investment-in-fund-activity-that-has-presence-of-riba/</loc><lastmod>2026-05-11T09:18:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ddcd13d889c0d5930138fe1626aee43a-is-it-allowed-for-a-house-owner-to-take-an-amount-of-money-from-the-purchase-undertaker-as-an-assurance-of-the-latters-seriousness/</loc><lastmod>2026-05-29T15:11:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/54dc2a9831f164e7f3ca8d7b1c3105ae-is-it-permissible-to-use-a-program-fully-prepared-for-calculating-interest/</loc><lastmod>2026-05-28T23:53:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e02f24b13191381ab7765b06976f8fbf-is-it-allowed-to-let-unlawful-practices-like-mixed-gender-swimming-pool-in-an-islamic-activity/</loc><lastmod>2026-05-28T23:55:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/234c41c9b9a9a4bfb6ad035144eaf79f-is-it-allowed-to-stipulate-that-seller-can-re-buy-the-commodity-if-the-buyer-dies/</loc><lastmod>2026-05-28T23:56:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/006b30d7299ea4537a7aa3c6477b0f94-is-it-allowed-to-charge-for-rescheduling-the-payment-of-installments-upon-the-customers-request/</loc><lastmod>2026-05-28T23:57:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c24b8355f10367e8a348ed7f1c43e1d1-what-is-the-price-that-should-be-paid-in-case-the-bba-contract-is-deemed-invalid/</loc><lastmod>2026-05-28T23:49:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ff407e1c31357104233c212ce3b84387-is-it-allowed-to-invest-in-residential-complexes-that-contain-mixed-gender-swimming-pool/</loc><lastmod>2026-05-28T23:57:52+08:00</lastmod></url><url><loc>https://ifikr.my/resources/98e050320cc45653205dbe8a0f1cc9e3-is-it-allowed-to-purchase-a-mortgaged-asset-and-resell-it-to-the-son-of-the-original-owner/</loc><lastmod>2026-05-28T23:58:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0120ea71d945349148328fd03ba63782-is-it-allowed-to-purchase-a-land-upon-which-villas-are-being-constructed-and-re-sell-the-land-alone-to-customers/</loc><lastmod>2026-05-29T00:02:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0a2ebf095f9fb0e3e1a31f264702c547-is-it-allowed-to-terminate-the-contract-of-bba-that-began-to-give-effects-of-ownership-to-enter-in-a-new-bba-with-the-same-customer/</loc><lastmod>2026-05-29T00:02:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/98efaec1fd6d34e3e08abe1dd49ca19d-what-is-the-ruling-on-the-legality-of-dealing-in-education-medical-treatment-and-travel/</loc><lastmod>2026-05-29T00:04:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/73f0d8a7e8f6c04f9a7bb2ff50ec8136-what-is-the-ruling-on-establishing-a-takaful-fund-for-customers-indebted-to-kfhs-local-real-estate-department/</loc><lastmod>2026-05-28T23:44:29+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3e7ef1ccbea2e07de686146557909648-whats-the-ruling-on-insurance-against-theft-of-a-companys-stores-against-fire-for-the-company-sites-and-individual-health-insurance-for-medical-trea/</loc><lastmod>2026-05-28T23:45:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e1091cd3aa176bb1253965bf8dab448a-what-is-the-ruling-on-individual-health-insurance-for-receiving-medical-treatment-outside-kuwait/</loc><lastmod>2026-05-11T09:18:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/58f201f0ea6be4a1ab8e31a990f8a54b-whats-the-fatwa-committees-opinion-regarding-health-insurance-for-kfhs-employees/</loc><lastmod>2026-05-11T09:18:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/92c308e6d45d9014b3e244c5696c100d-whats-the-fatwa-committees-opinion-regarding-the-account-of-the-members-organization-the-condition-for-cancelling-the-insurance-and-the-ins/</loc><lastmod>2026-05-28T23:47:08+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0925fb867ccccec54e67c555f74a213c-whats-the-ruling-on-risk-management-of-housing-loans/</loc><lastmod>2026-05-11T09:18:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/07f460521296b898673b2ebf5538799d-whats-the-fatwa-committees-opinion-regarding-mortgage-takaful-in-the-event-of-death-or-permanent-disability/</loc><lastmod>2026-05-11T09:18:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1841fb94b3d90ebf2242041671c03fef-is-it-allowed-for-kfh-to-accept-a-predetermined-amount-for-each-insurance-policy-for-being-a-worker-for-the-first-takaful-insurance-company/</loc><lastmod>2026-05-11T09:18:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ed127081a8ecf8b922eb06562f1b85ac-whats-the-fatwa-committees-opinion-regarding-amendments-added-to-the-debt-insurance-policy-by-the-first-takaful-insurance-company/</loc><lastmod>2026-05-11T09:18:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/625005bb025e2f298d2ef0dfe98868b0-whats-the-rule-on-the-structure-whereby-the-products-are-supplied-based-on-a-purchase-order-issued-by-the-ministry-of-health-to-kfhs-agent-company/</loc><lastmod>2026-05-11T09:18:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/127bcd3fc00b23b79cb710e6146ce21e-what-is-the-ruling-on-the-takaful-health-insurance-policy-submitted-to-the-fatwa-committee-on-13th-august-2003/</loc><lastmod>2026-05-11T09:18:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f85d84e05f71f8d9e358008982168126-whats-the-fatwa-committees-opinion-regarding-the-issuance-of-takaful-insurance-for-the-customers-of-ijarah-muntahiyah-bi-al-tamlik/</loc><lastmod>2026-05-11T09:18:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/859fc07938390670e5190cf7dbdc043e-is-it-allowed-for-the-first-takaful-insurance-company-to-authorize-kfh-to-market-the-temporary-travel-insurance-policy-in-return-for-a-fee/</loc><lastmod>2026-05-11T09:18:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4fbab996e47fab3092893d9b62208608-is-it-allowed-for-kfh-to-charge-a-fee-from-customers-who-withdraw-their-financing-applications-during-the-promise-stage/</loc><lastmod>2026-05-11T09:18:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1c868491f8b7a095292afcd4ae2a3835-whats-the-fatwa-committees-opinion-regarding-the-cooperative-marketing-contract-and-the-handling-of-the-returned-and-damaged-goods/</loc><lastmod>2026-05-11T09:18:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9324a542ef2904446091951ac4ff0e0d-whats-the-fatwa-committees-opinion-regarding-the-list-of-the-companies-to-be-included-in-al-muthanna-investment-index-fund/</loc><lastmod>2026-05-28T23:26:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d2e82dd4817edb5f6477007009f75e3c-whats-the-permissible-means-to-rectify-the-situation-whereby-kfh-has-completed-the-procedures-for-the-investment-in-a-company-covered-by-conventional-insuranc/</loc><lastmod>2026-05-28T23:26:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c7a74a367eeb357aea9228d28cdc1c8d-what-is-the-ruling-on-the-e-health-insurance-project-suggested-by-the-public-service-company/</loc><lastmod>2026-05-28T23:27:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/15c102ba426ad340ee857fbe4d13d93f-what-is-the-ruling-on-health-insurance-for-kfhs-employees/</loc><lastmod>2026-05-28T23:35:08+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cbc21776a170e58b37a9349007d99c0a-is-it-allowed-to-evaluate-real-estate-that-belongs-to-a-conventional-insurance-company/</loc><lastmod>2026-05-28T23:28:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/41530f89baaadf1cdbc41be88142454a-hukum-berkaitan-pembangunan-tanah-wakaf-di-bawah-rancangan-malaysia-ke-sembilan-rmk-9/</loc><lastmod>2026-05-28T23:32:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/156889af6985496770e769baad290dc9-hukum-membangunkan-tanah-wakaf-khas-dengan-pembangunan-selain-daripada-niat-asal-pewakaf/</loc><lastmod>2026-05-11T09:18:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9f5f1af9fd978a4d5719d866d80f9ba5-hukum-wakaf-bagi-tanah-bertaraf-hak-milik-terhad/</loc><lastmod>2026-05-11T09:18:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/42b9aa14411546d6296ba93f2ce66cf1-hukum-menyerahkan-sebahagian-tanah-wakaf-kepada-pihak-berkuasa/</loc><lastmod>2026-05-28T23:37:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d8c271694e84a1952f8058eee283bccf-saham-wakaf-dan-wakaf-ganti-wakaf-ibdal/</loc><lastmod>2026-05-11T09:18:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d0b93bc28d34d5d0705c6d91a0dbe5fc-langkah-langkah-membangunkan-hartanah-waqaf-main-dari-perspektif-hukum/</loc><lastmod>2026-05-28T23:36:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b0173a699f9f64d51da28f916e041bce-hukum-perdagangan-pertukaran-matawang-asing-oleh-individu-secara-lani-individual-spot-forex-melalui-platfom-elektronik/</loc><lastmod>2026-05-28T23:24:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9a66f2c4e5c297070b02f92c6d0fae7f-hukum-penyaluran-hasil-gharamah-institusi-kewangan-islam-ke-baitulmal/</loc><lastmod>2026-05-11T09:18:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ff1e1dc3a3d9e77a19e3a96b32baf587-hukum-jual-beli-dan-pelaburan-emas-yang-dijalankan-oleh-syarikat-genneva-malaysia-sdn-bhd/</loc><lastmod>2026-05-11T09:18:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/178a1b4e48a9b148f091b87dcdc27eea-parameter-on-gold-investment/</loc><lastmod>2026-05-28T23:03:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/117fdd7be4b2f60a1b87dade26440db4-hukum-pewarisan-bagi-kes-kematian-serentak/</loc><lastmod>2026-05-11T09:18:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/100637a426d67425b9f84eec98275ec0-pewarisan-harta-harta-sepencarian-yang-dilaksanakan-di-rancangan-felda/</loc><lastmod>2026-05-28T23:05:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ee57c0728fbcaec3d8e5bb6fb21d2ee5-wang-pampasan-kematian-pekerja-yang-dianugerahkan-oleh-kerajaan-atau-syarikat-swasta/</loc><lastmod>2026-05-11T09:18:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a9f90f5043800622b6da9c3411eb2504-wang-simpanan-kwsp-socso-dan-seumpamanya-bagi-ahli-beragama-islam-yang-meninggal-dunia/</loc><lastmod>2026-05-28T23:20:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ac4620957317b7844f66c17a5b88f9c2-hukum-menjadikan-caruman-kumpulan-wang-simpanan-pekerja-kwsp-sebagai-harta-sepencarian/</loc><lastmod>2026-05-11T09:18:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/895bf3b084beeea912627771ff1a3d50-hukum-pembayaran-simpanan-kumpulan-wang-simpanan-pekerja-kwsp-bagi-ahli-yang-memeluk-islam/</loc><lastmod>2026-05-11T09:18:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/077a4499cab0ad6cfe062a7ef3de8876-wang-simpanan-kwsp-dan-perkeso/</loc><lastmod>2026-05-28T23:38:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e5d10fba40f0d9bac69b98f3c6647d67-status-pampasan-polisi-insurans-konvensional-selepas-kematian-pembeli-polisi/</loc><lastmod>2026-05-11T09:18:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f45fc22dd8c4434a2e5053e11045f80b-hukum-mempromosikan-produk-insurans-konvensional-menurut-perspektif-syariah/</loc><lastmod>2026-05-28T23:10:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6b7453a9bb0384f18ac953395db16456-kajian-hukum-insurans-am/</loc><lastmod>2026-05-11T09:18:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8cbd32b368c7f145da8613a60c1cd37e-hukum-pelaksanaan-takaful-di-malaysia/</loc><lastmod>2026-05-11T09:18:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bd46e718c43728796d0bae14ffb9b456-hukum-ke-atas-produk-investment-link-menurut-islam/</loc><lastmod>2026-05-28T22:50:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c1995ec5d4d490dee94e70043f1c8d34-penentuan-hukum-syarak-di-dalam-pelaksanaan-skim-pajak-gadai-islam-al-rahn-di-malaysia-cadangan-kadar-upah-simpan-barang-gadaian/</loc><lastmod>2026-05-28T22:56:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7c72be8741ef8af70a0ad89ae977edcc-penentuan-hukum-syarak-di-dalam-pelaksanaan-skim-pajak-gadai-islam-ar-rahn-di-malaysia/</loc><lastmod>2026-05-11T09:18:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8f12b19e1c4b80b2e1cb63e4314ace60-akaun-simpanan-yang-tidak-aktif-dalam-lembaga-urusan-dan-tabung-haji/</loc><lastmod>2026-05-11T09:18:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c6b957f95d43dc3e9dfc42d49415cb40-status-terkini-pematuhan-syariah-skim-sijil-simpanan-premium-bank-simpanan-nasional-bsn/</loc><lastmod>2026-05-11T09:18:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/30f947067c22b52a2bcd6cfc667ce8d0-pelaburan-dalam-asn-asb-dan-seumpamanya/</loc><lastmod>2026-05-28T22:25:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0d55dc9864ca1c3bd11bc74351f81674-bayaran-zakat-kumpulan-wang-simpanan-pekerja-kwsp-sejurus-pengeluaran-satu-alternatif/</loc><lastmod>2026-05-11T09:18:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/00f59a22d4385d67f7939573b55a5ffa-zakat-wang-kwsp/</loc><lastmod>2026-05-28T22:27:58+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c45d95135954da15b21ee14ff6d7956b-fatwa-tentang-kaedah-pembayaran-zakat-kwsp/</loc><lastmod>2026-05-28T22:28:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/52e9e19727f72b69de5fc0af5f60fbf8-menentukan-satu-kaedah-tetap-bagi-zakat-kwsp/</loc><lastmod>2026-05-28T23:15:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6bbef2fe80b9c3bf599d74fd57108515-is-it-allowed-for-an-islamic-bank-to-invest-a-portion-of-its-capital-in-buying-the-stock-of-the-companies-that-are-not-aimed-at-dealing-with-interest/</loc><lastmod>2026-05-29T14:51:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b210213600e15cb9bc2a9696a4f5d70c-is-it-allowed-for-the-bank-to-insure-its-wealth-and-its-exclusive-properties/</loc><lastmod>2026-05-29T14:52:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7f4e176744d59617e921f80f4c8dc651-is-it-allowed-to-make-a-pre-agreement-to-execute-a-sale-based-on-an-endorsement-of-the-bill-of-lading-that-transfers-the-ownership-and-without-inspection-of-the-goods/</loc><lastmod>2026-05-29T14:48:06+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6b0ad28acac31b469e35478a27d52b98-whats-the-committees-opinion-regarding-the-following-proposals-accepting-deposits-execution-of-banking-services-and-financing-investment-operatio/</loc><lastmod>2026-05-28T22:43:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cbf3b7a80d6d23f60b63a5c0a15a5480-is-it-permissible-in-murabahah-to-apply-the-scale-of-direct-proportionality-for-profits-based-on-time-and-to-authorize-the-seller-as-an-agent-to-execute-murabahah-sal/</loc><lastmod>2026-05-28T23:10:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9244b61f91935d2c6ef2537c99ab418f-is-it-lawful-to-open-a-documentary-credit-for-a-customer-in-order-to-import-non-alcoholic-beer/</loc><lastmod>2026-05-11T09:18:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e00afe8b5a6955d5d5e5e7119b87292c-letter-of-guarantee-amendments/</loc><lastmod>2026-05-28T23:16:52+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2ee6990eae8c264edc94c8eac0db329c-is-it-allowed-in-a-murabahah-sale-to-appoint-the-client-as-an-agent-to-purchase-the-goods-from-the-supplier-and-authorize-him-to-sell-the-goods-to-himself-at-the-agree/</loc><lastmod>2026-05-11T09:18:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ef1e834d2b7c8bb5769183df368157d4-is-it-allowed-to-issue-a-letter-of-guarantee-to-a-client-for-his-debt-owed-to-a-commercial-bank-and-secured-by-real-estate-mortgage-insurance/</loc><lastmod>2026-05-11T09:18:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b300ed74ce339db5f9671dd722d5d9b0-is-it-permissible-to-increase-the-current-fee-charged-for-issuing-letters-of-guarantee-providing-that-there-are-additional-indirect-costs/</loc><lastmod>2026-05-11T09:18:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ac34138d76614e7dd35baa16ee4af8fd-is-it-allowed-to-issue-a-performance-bank-guarantee-in-favor-of-a-local-bank-as-a-security-for-the-payment-of-debt-incurred-by-a-deceased-parent/</loc><lastmod>2026-05-11T09:18:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d122d30f729d31d239fbdbf0aab1f44d-is-it-allowed-for-kfh-to-issue-a-performance-bank-guarantee-in-favor-of-the-ministry-of-information-to-grant-a-company-an-exclusive-sponsorship-to-have-commercials-on/</loc><lastmod>2026-05-11T09:18:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7c94cfe383746bee04c5daeb6aacc133-is-it-allowed-for-kfh-to-take-a-fee-in-return-for-the-facilities-granted-to-the-customer-in-a-letter-of-guarantee/</loc><lastmod>2026-05-28T22:18:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9fde0fca550988c84d9fb9ee97547350-is-it-allowed-for-kfh-to-purchase-trucks-owned-by-a-party-and-registered-in-anothers-name-for-procedural-reasons-and-then-sell-them-to-the-latter-party-throug/</loc><lastmod>2026-05-11T09:18:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c5cbe50cf3fc0c22d96914169c14199f-what-is-the-ruling-on-spending-zakat-funds-to-print-academic-thesis-on-islamic-banking/</loc><lastmod>2026-05-11T09:18:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/279d6edff0d6dda5ee50814714d9f18c-what-is-the-ruling-on-investing-zakat-funds-funds-from-dormant-accounts-or-those-tainted-by-riba-or-suspected-of-being-tainted-by-riba/</loc><lastmod>2026-05-11T09:18:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/993c339cfa8ce6c68df1044941fc1bb5-what-is-the-ruling-on-spending-zakat-funds-on-printing-an-english-translation-of-a-religious-book/</loc><lastmod>2026-05-11T09:18:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8a791eddfd0be20c28377fc08f31fdfd-what-is-the-ruling-on-investing-zakat-funds-funds-from-closed-accounts-or-those-tainted-by-riba-or-suspected-of-being-tainted-by-riba/</loc><lastmod>2026-05-29T14:46:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ea2536a3c9f4709aaec38d4e18cb1640-does-the-unpaid-zakat-on-the-companys-reserves-for-all-proceeding-years-considered-a-debt-owed-by-the-company-and-what-does-the-extra-amount-paid-as-a-result/</loc><lastmod>2026-05-11T09:18:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fc92c6ec1dcb363184159971881ce19d-is-it-allowed-to-spend-zakat-funds-on-medical-activities-to-relieve-the-difficulties-of-the-poor-as-well-as-others/</loc><lastmod>2026-05-11T09:18:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f35adee9c1d3e8af5e018e3ea248c046-is-it-allowed-to-spend-zakat-funds-to-purchase-special-medical-equipment-to-a-school-that-cares-for-mentally-impaired-children/</loc><lastmod>2026-05-11T09:18:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bacfd64163aeafb3ecfec3c090fd91f4-is-it-allowed-to-give-zakat-funds-to-charitable-organizations-specialized-in-providing-medical-and-humanitarian-aid-to-the-poor-disabled-and-the-retired/</loc><lastmod>2026-05-11T09:18:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d7bd4ae123c5f6a96ce5a4f8f60a6e1b-is-it-allowed-to-use-zakat-funds-to-build-a-drug-rehabilitation-center-or-any-other-kind-of-hospital/</loc><lastmod>2026-05-11T09:18:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/90cf03839f63978b13f01e6697d839e1-what-is-the-ruling-on-the-zakat-of-shares-representing-debts-money-and-commercial-commodities/</loc><lastmod>2026-05-28T22:16:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0aa56f0d9201615501d605af8def5b8a-what-is-the-ruling-on-the-zakat-on-financial-portfolios-that-represent-funds-for-investment-in-foreign-currency-exchange/</loc><lastmod>2026-05-29T14:44:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2f74135c43083596c20ee3fadd76a9fd-is-it-allowed-to-give-zakat-funds-to-the-patient-aid-fund/</loc><lastmod>2026-05-11T09:18:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/73a7a4c66a92b23520d9d4f445645b1f-what-is-the-ruling-on-zakat-on-a-real-estate-portfolio-whose-activity-centers-on-purchasing-and-developing-lands-and-then-selling-the-developed-lands/</loc><lastmod>2026-05-29T14:45:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fa93ed77a1e3ee6b5bf31f6b911fd247-what-is-the-ruling-on-zakat-on-kfhs-shares-offered-to-its-employees/</loc><lastmod>2026-05-11T09:18:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/cac2fd20d67dbd03c316386bd17c279d-what-is-the-ruling-on-investing-zakat-funds-and-who-is-liable-if-theres-loss-or-harm/</loc><lastmod>2026-05-28T22:11:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d4753b2dfb9b35e28b3974db025396fb-is-it-allowed-to-use-zakat-funds-to-give-qard-hasan-from-these-funds-to-the-companys-employees-that-are-in-need-of-financial-assistance/</loc><lastmod>2026-05-11T09:18:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f470e13fbaabe9d6453ff755611b3ad6-is-it-allowed-for-kfh-to-give-zakat-funds-to-an-employee-who-is-heavily-indebted/</loc><lastmod>2026-05-11T09:18:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0e494a422c4858178d20d3c22c1a13a6-is-it-allowed-to-use-zakat-funds-to-pay-the-companys-obligatory-contribution-to-the-national-labor-support-fund-that-aim-at-supporting-private-employees-and-u/</loc><lastmod>2026-05-11T09:18:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/db49fe7075e3c0138faa02c591c42fc9-is-it-allowed-for-the-creditor-to-pay-the-debtor-any-amount-from-the-creditors-zakat-funds-in-order-for-the-debtor-to-pay-the-debt-owed-to-the-creditor/</loc><lastmod>2026-05-11T09:18:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8c636362951c23763e882c309749ff2f-are-waqf-assets-invested-in-joint-stock-companies-and-others-liable-for-zakat/</loc><lastmod>2026-05-28T22:14:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8d0c7f74dad1d59295d64baf9ac89507-is-zakat-payable-on-waqf-profits-allocated-for-reserves/</loc><lastmod>2026-05-11T09:18:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a29b7fdfe34b29045759f0692eb917e0-what-entity-is-responsible-for-paying-zakat-providing-that-a-company-acts-as-the-manager-of-another-that-represents-the-shareholders/</loc><lastmod>2026-05-11T09:18:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/142f8a05facbedbd2c73b37aefcbd3f1-what-entity-is-responsible-for-paying-zakat-providing-that-the-mother-company-consists-of-more-than-30-subsidiary-companies/</loc><lastmod>2026-05-11T09:18:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4cf04f2c1556043db020db6df8ac999a-is-it-possible-to-review-the-zakat-calculation-on-the-reserves-to-include-the-zakat-in-the-companys-financial-statement/</loc><lastmod>2026-05-11T09:18:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/42bbd8abf4af576a6580a6d101a2f35a-what-is-the-ruling-on-paying-zakat-funds-to-the-ministry-of-health-in-order-to-set-up-a-number-of-needed-medical-centers-across-the-country/</loc><lastmod>2026-05-11T09:18:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/06e2d1bfd9ecc86454d1334a56435136-is-the-advance-rent-considered-an-invested-fund-that-is-subject-to-zakat-providing-that-the-owner-promised-the-tenant-to-sell-the-real-estate-at-the-end-of-the-lease-t/</loc><lastmod>2026-05-11T09:18:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/33623366cd39f5ca4a3d159aab7ee34a-how-to-calculate-the-zakat-on-the-banks-items-such-as-current-account-investment-savings-accounts-investment-deposit-accounts-and-other-items/</loc><lastmod>2026-05-28T21:39:36+08:00</lastmod></url><url><loc>https://ifikr.my/resources/71443493714d9296eb4a38a2e1dec811-what-is-the-ruling-on-paying-zakat-funds-to-kuwait-heart-foundation-khf-and-takaful-prisoners-care-fund-tpcf/</loc><lastmod>2026-05-11T09:18:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/29aeb724d23b8bd4eec66d82c1709c5a-what-is-the-ruling-on-paying-zakat-funds-to-handicapped-children-whose-financial-situation-does-not-enable-them-to-enroll-in-private-schools/</loc><lastmod>2026-05-11T09:18:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/99764e4e5f7361d0ee62d0edb4488e5f-development-of-a-new-contract-in-the-form-of-murabahah-partnership-along-with-the-murabahah-transaction-to-the-purchase-orderer/</loc><lastmod>2026-05-28T21:34:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/aee5a61996e416f968c85e563318b41a-whats-the-shariah-opinion-regarding-the-profits-distribution-of-murabahah-to-the-purchase-order-contract/</loc><lastmod>2026-05-28T21:43:54+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0112ecc2b735caf2efeb7e09e2a9eeae-whats-the-shariah-opinion-regarding-the-murabahah-partnership-and-its-profit-distribution/</loc><lastmod>2026-05-28T21:46:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9ced3624e1edce6bba3cf62ca4738b46-whats-the-shariah-opinion-regarding-the-proposed-amendments-to-the-murabahah-to-the-purchase-order-contract-concerning-the-rates-commissions-currency-differences-an/</loc><lastmod>2026-05-29T14:43:54+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0e4e3e632bf22e93d6d1d361097273ae-whats-the-shariah-opinion-regarding-the-proposed-amendments-to-the-diminishing-musharakah-contract-concerning-the-period-and-iqalah/</loc><lastmod>2026-05-28T22:06:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/082db84208fd013972223f1cfced211f-murabahah-to-the-purchase-order-framework-after-amendments/</loc><lastmod>2026-05-28T20:29:31+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b12dcbd74c551f78f446b6193b833e37-diminishing-musharkah-framework-after-amendments/</loc><lastmod>2026-05-28T21:13:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/15f8283bb62f4cb18c50174e0ee652f0-is-it-permissible-for-the-bank-to-purchase-the-share-of-a-partner-in-a-limited-company-and-sell-it-on-murabahah-basis/</loc><lastmod>2026-05-28T21:05:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/18ac4267b9f08740a8b48a4488e94e79-whats-the-shariah-opinion-regarding-the-purchase-of-vehicles-from-suppliers-in-order-to-be-sold-to-clients-on-the-basis-of-murabahah/</loc><lastmod>2026-05-29T14:37:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1c223dc7f7b9159eb2698337abb6e3d1-whats-the-shariah-opinion-regarding-the-purchase-of-household-equipments-from-suppliers-in-order-to-be-sold-to-clients-on-the-basis-of-murabahah/</loc><lastmod>2026-05-28T21:12:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/76609191e4e69bfe1cbd80be751faa98-mudarabah-contract-framework-after-amendments/</loc><lastmod>2026-05-29T14:08:32+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5d9a0c9e3561a9e620a3339d865b707e-whats-the-shariah-opinion-regarding-the-purchase-of-lorries-in-order-to-be-run-by-another-party/</loc><lastmod>2026-05-28T20:53:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3301162870057249c87a26a55bb6c341-is-it-allowed-for-the-bank-to-purchase-machinery-in-order-to-be-leased-out-for-a-specified-period-in-exchange-for-an-annual-rent-agreed-upon-between-the-bank-and-lesse/</loc><lastmod>2026-05-29T14:10:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8ad765940760d924d83e1cd63772f114-is-it-permissible-for-the-bank-to-place-interest-free-deposits-with-other-banks-on-the-condition-that-these-banks-place-similar-deposits-when-needed/</loc><lastmod>2026-05-28T21:20:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c4dc404cec7a1d5063953febc128968f-whats-the-shariah-opinion-regarding-the-establishment-of-a-company-abroad-to-benefit-from-tax-exemptions-providing-that-these-companies-are-involved-in-interest/</loc><lastmod>2026-05-29T14:21:27+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ffb632dcdad322591f7abcc91043b4c8-whats-the-shariah-opinion-regarding-the-financing-of-vehicles-and-houseshold-equipments/</loc><lastmod>2026-05-29T14:33:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f464569b33fd7d69ea13cd3d4425bfee-is-it-permissible-for-the-bank-to-invest-in-an-existing-real-estate-project-in-exchange-for-a-specified-share-of-the-profits/</loc><lastmod>2026-05-29T14:24:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9c8889b4242238e3a0ee62f1266e98c6-is-it-permissible-for-the-bank-to-recover-from-the-insurance-company-an-amount-higher-that-the-price-paid-by-the-bank-for-the-goods-in-case-of-partial-or-total-damange/</loc><lastmod>2026-05-29T14:19:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fb453a60812e597fc7dae5ce8583b067-whats-the-shariah-opinion-regarding-the-investments-in-shares-and-real-estate-using-funds-that-exclusively-belong-to-shareholders-and-those-belong-to-investors/</loc><lastmod>2026-05-28T20:23:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/14b7e0970aa96e34b1ea030df652b5e5-is-it-allowed-for-the-security-placed-against-a-murabahah-financing-to-be-invested-on-the-basis-of-investment-account-and-to-distribute-the-generated-profits-between-t/</loc><lastmod>2026-05-29T14:40:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5e3ade4fdc55aaca197364443c342df3-is-it-allowed-for-the-bank-to-purchase-goods-on-cash-basis-from-a-mudarabah-investment-in-order-to-sell-the-goods-on-murabahah-basis-providing-that-the-bank-is-the-cap/</loc><lastmod>2026-05-11T09:18:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e7d6cc1c4eec3c4d6bf33173965e8d21-whats-the-shariah-opinion-regarding-the-kafalah-of-another-person-to-execute-a-shariah-contract/</loc><lastmod>2026-05-29T14:36:27+08:00</lastmod></url><url><loc>https://ifikr.my/resources/413f3fa8e36ff59f8e9e6f47de99e46b-is-it-permissible-in-a-murabahah-to-the-purchase-order-financing-that-the-asset-remains-registered-in-the-bank-name-until-the-client-fully-pays-the-price/</loc><lastmod>2026-05-11T09:18:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b3303d21eff4a7341a9c0e088fd992bb-is-it-allowed-for-an-islamic-bank-to-provide-qard-hasan-to-another-bank-on-the-condition-that-the-latter-sells-foreign-currency-to-the-former-based-purchase-price-dete/</loc><lastmod>2026-05-30T16:03:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/689be45a039934b68d29f44b113a7eab-is-it-allowed-to-open-investment-accounts-in-foreign-currencies-on-the-condition-that-these-funds-remain-in-the-same-currencies-with-the-bank/</loc><lastmod>2026-05-30T16:06:21+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e4cd83cd7ccc7a07186549a2013668b0-investment-account-framework-after-amendments/</loc><lastmod>2026-05-30T16:10:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1d7c1ea342fbda71f8af7e9ead554de5-term-account-framework-after-amendments/</loc><lastmod>2026-05-29T02:53:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3024cf36ffe0a82cca637d256413631d-who-bears-the-loss-in-a-murabahah-to-the-purchase-order-financing-due-to-an-accident-that-occurred-before-the-goods-are-delivered-to-the-client/</loc><lastmod>2026-05-30T16:12:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ceb5fd83167b44cf86ba17a1aea65273-qard-hasan-framework-after-amendments/</loc><lastmod>2026-05-29T02:57:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/07bb14c070944835a35ea9946f234cd5-whats-the-shariah-opinion-regarding-the-murabahah-to-the-purchase-order-financing-in-foreign-currency/</loc><lastmod>2026-05-29T02:57:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7b771d336abdf0faad41cd1d21f4abb3-whats-the-shariah-opinion-regarding-the-expansion-of-a-mudarabah-investment-in-real-estate-between-the-bank-and-capital-provider-to-involve-othe-investors/</loc><lastmod>2026-05-29T02:58:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f29180118f099d9d4d1033d6ae5c592d-whats-the-shariah-opinion-regarding-the-expansion-of-a-mudarabah-investment-in-real-estate-between-the-bank-and-capital-provider-to-involve-othe-investors-continued/</loc><lastmod>2026-05-29T02:58:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ed1e370b932acb610f08c777b3d13dd2-is-it-a-condition-in-a-vehicle-financing-based-on-murabahah-to-the-purchase-order-that-the-vehicle-must-be-registered-under-the-bank-name-before-the-execution-of-the-c/</loc><lastmod>2026-05-29T02:59:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/065d01381e47ee9096c34b0fb0b0ecf6-is-it-allowed-for-kfh-to-purchase-the-share-of-its-partner-in-a-real-estate-and-sell-it-on-its-own-to-a-customer-on-a-deferred-payment-basis/</loc><lastmod>2026-05-29T02:42:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/75ab4dbcdbb73f8700ef511788c13188-whats-the-fatwa-committees-opinion-on-the-following-musharakah-structure/</loc><lastmod>2026-05-29T02:42:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1726895302bdbfd0eba9a17d853bf8ef-is-it-allowed-for-kfh-to-engage-in-the-establishment-of-a-company-to-collect-financial-data-on-banks-customers-to-assess-their-financial-standing/</loc><lastmod>2026-05-29T02:42:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/79005eb5a6f0c33763dcaf08600e56ef-is-it-allowed-for-kfh-to-deal-through-istisna-with-a-company-which-is-a-partner-in-a-joint-venture-company/</loc><lastmod>2026-05-29T02:43:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ce9efa07df7c7513737475810f6de908-what-is-the-ruling-on-the-application-form-for-finance-facilities-where-kfh-approves-the-finance-limits-and-letters-of-guarantee-provided-to-its-customer/</loc><lastmod>2026-05-29T02:43:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9748fb1bd38031615c42858c753a28fa-is-it-allowed-for-kfh-in-collaboration-with-citibank-to-finance-the-construction-of-a-highway-in-turkey/</loc><lastmod>2026-05-29T02:43:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ced3dfa6e090fd3277bd53a26e598962-is-it-allowed-for-kfh-to-finance-the-construction-of-a-highway-in-turkey-through-a-partnership-contract-between-kfh-and-the-contractor/</loc><lastmod>2026-05-29T02:39:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/af34e8f99a56ab58ef99389fca85d530-is-it-allowed-for-kfh-in-an-investment-partnership-to-reserve-the-partner-the-right-to-redeem-its-capital-and-expected-profit-in-case-of-loss/</loc><lastmod>2026-05-29T02:39:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c469e1917f8a61d8804df67efd8dfe7d-terms-and-conditions-as-the-minimum-requirements-for-mudarabah-contracts-set-by-the-central-bank-of-bahrain/</loc><lastmod>2026-05-29T02:39:59+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9b23ada073550cc31624432087e104ae-is-it-allowed-for-kfh-to-get-involved-as-a-partner-in-a-fund-that-borrows-based-on-interest/</loc><lastmod>2026-05-29T02:40:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a98126605971a650120053632d25ae89-is-it-allowed-for-kfh-as-the-manager-of-a-fund-to-accept-shares-as-the-capital-contribution-of-its-partner-then-sell-them-in-the-market-and-add-the-revenue-to-the-fund/</loc><lastmod>2026-05-29T02:33:54+08:00</lastmod></url><url><loc>https://ifikr.my/resources/08bf6003cb9d8e7379666d5f0be762e1-whats-the-shariah-ruling-regarding-a-loan-with-specified-nominal-interest-given-to-a-company-by-the-shareholders-owing-to-investment-conditions/</loc><lastmod>2026-05-29T02:41:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8ec650258081d15c3e3b476fed5afb87-is-it-permissible-for-kfh-to-finance-a-customers-purchase-of-his-partners-share-in-a-project/</loc><lastmod>2026-05-29T02:41:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/95b4e1221d704a28909061f199ee9e49-is-it-allowed-to-provide-promotional-offers-for-certain-products-during-a-certain-period-in-the-form-of-in-kind-or-cash-vouchers/</loc><lastmod>2026-05-29T02:41:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/fd6a21b10752eb55fb7c8f2529e940fa-what-are-the-conditions-that-must-be-fulfilled-by-any-company-that-declares-its-desire-to-be-shariah-compliant-in-its-activities-and-financial-dealings/</loc><lastmod>2026-05-29T02:41:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1b01a78d157df24f064b13b841d1fbfd-whats-the-shariah-opinion-regarding-the-ipo-brochure-of-al-safa-fund/</loc><lastmod>2026-05-29T02:24:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/17c67d8aeedb1638553ac232200bb36b-is-it-allowed-to-charge-fees-for-bank-services-based-on-actual-costs/</loc><lastmod>2026-05-29T02:24:35+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5a08f6ea975e73ace9c11bb0e9f710b7-whats-the-shariah-opinion-regarding-qatars-sukuk-ijarah/</loc><lastmod>2026-05-29T02:24:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/02804fc22a8093255e40c1d4ba295711-is-it-allowed-for-kfh-to-invest-in-a-company-that-mainly-manufactures-temporary-birth-control-medicine/</loc><lastmod>2026-05-29T02:25:24+08:00</lastmod></url><url><loc>https://ifikr.my/resources/78e20694dea136b00140dd96d446b348-what-is-the-ruling-on-the-mechanism-suggested-by-the-central-bank-of-kuwait-cbk-regarding-tawarruq-cash-procurement-and-its-application-to-sukuk/</loc><lastmod>2026-05-29T02:25:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0d105edae36ab66cdf82566b17caf675-is-it-allowed-for-kfh-to-charge-4-fee-in-return-for-cash-withdrawals-from-other-banks-atm-machines-using-visa-or-mastercard-issued-by-kfh/</loc><lastmod>2026-05-29T02:26:03+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e32b4604f096d9dbfef354cd3d3d66d7-whats-the-shariah-opinion-regarding-the-investment-agency-contracts-used-by-kfh-bahrain-and-kfh-kuwait/</loc><lastmod>2026-05-29T02:26:38+08:00</lastmod></url><url><loc>https://ifikr.my/resources/717199b19be7600d8524985899ac6593-is-it-allowed-to-consider-the-insurance-premiums-as-part-of-the-expenses-that-are-taken-into-consideration-upon-determining-the-rent/</loc><lastmod>2026-05-29T02:26:54+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2f4acd4466522ef34c48d1fce848867c-is-it-permissible-to-invest-and-trade-the-shares-of-a-company-whose-purposes-are-a-mixture-of-permissible-and-prohibited-activities/</loc><lastmod>2026-05-29T02:27:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5f89c9862b240f4105be2070920686ed-is-it-allowed-for-kfh-to-lease-a-medical-equipment-from-bank-of-america-which-stipulates-an-advance-rental-payment-of-10-20-of-the-equipments-total-value/</loc><lastmod>2026-05-29T02:27:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e18aea9d43dac7f9519e54fa8bd9260a-is-it-allowed-for-kfh-to-purchase-an-ownership-certificate-for-metals-on-spot-basis-and-sell-it-to-the-purchase-undertaker-on-deferred-basis-with-an-attendant-price-di/</loc><lastmod>2026-05-29T02:22:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6a456c148476453e3190e075b0a559d7-is-it-allowed-for-kfh-to-market-a-fund-whose-main-activity-is-investment-in-shares-of-companies-included-in-the-dow-jones-islamic-market-index/</loc><lastmod>2026-05-29T02:23:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c0242d530e0f78995ed89fb665f3d626-whats-the-shariah-opinion-regarding-the-frameworks-for-the-conversion-of-debt-into-shares-and-the-islamization-of-a-targeted-company/</loc><lastmod>2026-05-29T02:23:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/4abca1417bf16fbf2dabacb8f9288bed-what-is-the-ruling-on-kfh-acting-as-the-exclusive-selling-agent-for-al-aman-islamic-fund/</loc><lastmod>2026-05-29T02:23:54+08:00</lastmod></url><url><loc>https://ifikr.my/resources/eb700272dd42515d31f6e653fa603feb-is-it-allowed-for-the-agent-wakil-to-be-the-guarantor/</loc><lastmod>2026-05-29T02:18:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a03e6a642b8c3d9972f4fab028b59cd2-is-it-allowed-for-kfh-to-be-the-sales-agent-for-real-estate-trading-funds-units-in-return-for-a-fee/</loc><lastmod>2026-05-29T02:18:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e094a79c98f00557b91e44c7875c77ca-is-it-allowed-for-kfh-to-appoint-another-bank-as-its-agent-to-purchase-a-commodity-through-salam-contract-and-then-sell-it-to-itself-at-a-pre-agreed-price/</loc><lastmod>2026-05-29T02:19:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9a272cecb3f43e3a5fdbcdb525f4ded5-is-it-allowed-for-kfh-to-authorize-an-exclusive-car-dealer-to-purchase-automobiles-on-kfhs-behalf-and-then-the-agent-sells-them-to-itself/</loc><lastmod>2026-05-29T02:19:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ca4d4826a4b8086b791623a449e4e169-is-it-allowed-for-an-agent-to-not-inform-the-principal-about-the-details-of-goods-purchased-because-properties-have-been-mixed-together-or-due-to-the-existence-of-too/</loc><lastmod>2026-05-29T02:20:08+08:00</lastmod></url><url><loc>https://ifikr.my/resources/22c0e9199a11b3a201e3aaa3563a19e8-is-the-verbal-agreement-on-the-agency-agreement-with-murabahah-considered-in-effect-from-a-shariah-perspective/</loc><lastmod>2026-05-29T02:20:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e057133a4c184a3cea95f3771f3590b8-commodity-murabahah-tawarruq-frameworks-to-be-used-with-selected-international-banks-and-financial-institutions/</loc><lastmod>2026-05-29T02:20:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3f23411bf09d636e152aeb39f438abc3-investment-agency-agreement-framework/</loc><lastmod>2026-05-29T02:21:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7fb8a7981533e3821a8cd97b04fca404-is-it-permissible-to-mortgage-the-shares-of-a-company-whose-activities-are-lawful-but-it-takes-loans-on-interest/</loc><lastmod>2026-05-29T02:13:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/67b97fd48db8b76f4cfca0915827778b-whats-the-shariah-opinion-regarding-the-mortgaging-of-the-real-estate-by-its-seller-in-the-interest-of-the-buyer/</loc><lastmod>2026-05-29T02:15:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/d369252360d02fb6f0a34ea632bce705-is-it-permissible-to-offer-various-services-including-professional-and-technical-training-consultancy-services-and-seminars-to-riba-based-banks/</loc><lastmod>2026-05-29T02:15:43+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9b02b9755481b3cf70ef7a0e0c4f0687-is-it-allowed-to-deduct-certain-amounts-from-a-number-of-customers-accounts-in-order-to-pay-for-the-usage-of-their-credit-cards-issued-by-local-banks/</loc><lastmod>2026-05-29T02:22:08+08:00</lastmod></url><url><loc>https://ifikr.my/resources/5e14028748d807b86bd9116fae95bcdf-is-it-allowed-for-kfh-to-provide-services-for-conventional-banks-such-as-dispatching-and-distributing-letters-to-customers/</loc><lastmod>2026-05-11T09:18:49+08:00</lastmod></url><url><loc>https://ifikr.my/resources/7b250c3963c8cc65b8c218501d943ff7-is-it-allowed-for-kfh-after-selling-a-car-to-a-customer-to-transfer-it-by-way-of-one-of-the-local-banks-to-be-paid-for-in-installments/</loc><lastmod>2026-05-29T02:08:45+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8567a5d0ca3dfcbfaa0d4ef617f0bdfb-whats-the-shariah-opinion-regarding-the-handling-of-a-banks-previous-riba-based-loans-that-were-made-before-the-bank-was-converted-to-an-islamic-bank/</loc><lastmod>2026-05-29T02:09:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f0c3d98d0baaa30cf69d09501f0a5ada-is-it-allowed-for-a-bank-converted-to-conventional-to-islamic-to-distribute-any-profits-resulting-from-the-interest-earned-to-its-shareholders/</loc><lastmod>2026-05-29T01:59:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/df21964e0993ecee9fb271b31baa76e9-is-it-allowed-to-collect-a-nominal-amount-as-a-fee-for-each-over-the-counter-withdrawal-slip-from-a-current-account/</loc><lastmod>2026-05-29T01:59:48+08:00</lastmod></url><url><loc>https://ifikr.my/resources/0984b550ae8d97c354368fcbd70c1984-how-can-kfh-as-a-shareholder-of-an-islamic-bank-that-converted-from-the-conventional-system-handle-the-profits-provided-as-cash-and-bonus-shares/</loc><lastmod>2026-05-29T02:01:10+08:00</lastmod></url><url><loc>https://ifikr.my/resources/58e2e82e91b27824396f58e47247bf27-is-it-allowed-for-kfh-to-manage-surplus-by-purchasing-government-bonds-based-on-bay-al-dayn/</loc><lastmod>2026-05-29T02:02:08+08:00</lastmod></url><url><loc>https://ifikr.my/resources/80538edc21511860a26213bf783e27c5-is-it-allowed-for-kfh-to-manage-surplus-by-placing-the-surplus-with-the-central-bank-in-a-deposit-account-based-on-wadiah-contract/</loc><lastmod>2026-05-29T02:02:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/18771dd827beda9fbb640b4320dd3802-is-it-allowed-for-kfh-to-act-as-a-manager-to-issue-sukuk-that-cannot-be-traded-in-the-secondary-market-because-the-majority-of-their-assets-are-debts/</loc><lastmod>2026-05-11T09:18:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ad3af250784f8f56346d30bcb9ae32da-is-it-allowed-for-kfh-to-purchase-and-trade-in-istisna-sukuk-for-periods-reaching-up-to-10-years-in-order-to-finance-projects-whose-construction-period-might/</loc><lastmod>2026-05-11T09:18:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/e7c620ef94023ca3b2f46d989a80934a-is-it-allowed-for-kfh-to-be-the-selling-agent-for-a-fund-established-to-invest-in-shares-of-listed-and-unlisted-companies-locally-and-internationally-in-a-shariah-comp/</loc><lastmod>2026-05-11T09:18:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/401105057f0e3810346b853bc1f97813-whats-the-shariah-opinion-regarding-the-contribution-by-conventional-banks-of-no-more-than-20-to-the-establishment-of-an-investment-company/</loc><lastmod>2026-05-29T02:03:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9d4215c597649f877b430ad31f027b90-is-it-allowed-for-kfh-to-participate-in-a-shariah-compliant-fund-that-invests-in-shares-of-companies-whose-partially-involved-in-lending-and-borrowing-from-banks-with/</loc><lastmod>2026-05-29T02:03:39+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b0470fe419de763d027553deadf09c61-is-it-allowed-for-kfh-to-open-an-account-in-a-brokerage-firm-that-reserves-the-right-to-impose-interest-on-the-overdue-amount-until-the-payment-is-made/</loc><lastmod>2026-05-29T02:03:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/747dfed3b66b946e1d2b3e94c630c899-is-it-allowed-for-kfh-to-buy-the-shares-of-a-customer-and-promise-to-sell-back-the-shares-after-an-agreed-upon-period-through-a-deferred-murabahah-sale-with-an-agreed/</loc><lastmod>2026-05-29T02:04:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/ca7f92ff780ad793365a46a1f14c26a0-whats-the-shariah-opinion-regarding-a-contract-involving-two-parties-in-the-purchase-of-shares-in-a-company-part-on-which-is-allocated-to-one-of-the-two-parti/</loc><lastmod>2026-05-29T02:04:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dd5bfd525395121e642ac73157c989c3-is-it-allowed-for-kfh-to-pay-shareholders-contribution-in-a-company-as-qard-hasan-and-mortgage-the-shares-of-the-shareholders-as-a-security-for-the-benevolent/</loc><lastmod>2026-05-29T02:05:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8f4562dc4857f78f0c005450e8318d37-resolution-no-65-3-7-aqd-istisna-manufacture-contracts/</loc><lastmod>2026-05-29T01:57:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/bdd3013cb18257aa78c682713bfea0ef-does-the-customer-who-purchased-a-car-have-a-right-to-benefit-from-the-discount-given-to-kfh-after-completion-of-the-murabaha-deal-with-him/</loc><lastmod>2026-05-29T01:55:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2cf77ec0839969e5b86c5043d7dad5f2-is-it-permissible-for-a-person-who-bought-goods-from-kfh-on-a-delayed-payment-murabaha-basis-to-then-offer-these-goods-to-kfh-as-his-agent-to-sell-these-goods/</loc><lastmod>2026-05-29T01:53:25+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2b899dcd1893c32d4c92196ea246ed96-is-it-permissible-for-kfh-to-sell-something-by-murabaha-at-a-profit-rate-to-be-agreed-upon-on-the-day-of-delivery/</loc><lastmod>2026-05-29T01:54:23+08:00</lastmod></url><url><loc>https://ifikr.my/resources/3862ae90b073175fbab6d06c12054f60-%d8%aa%d8%b9%d9%84%d9%8a%d9%82-%d8%a7%d9%84%d8%a8%d9%8a%d8%b9-%d9%84%d8%aa%d8%a7%d8%b1%d9%8a%d8%ae-%d9%85%d8%b3%d8%aa%d9%82%d8%a8%d9%84%d9%8a-%d9%81%d9%8a-%d8%a7%d9%84/</loc><lastmod>2026-05-29T01:36:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/8259342b7942a58ab8be167fff0cfd15-%d8%af%d9%81%d8%b9-%d8%a7%d9%84%d8%b9%d9%85%d9%8a%d9%84-%d8%ac%d8%b2%d8%a1%d8%a7-%d9%85%d9%82%d8%af%d9%85%d8%a7-%d9%85%d9%86-%d8%ab%d9%85%d9%86-%d8%a7%d9%84%d8%a8/</loc><lastmod>2026-05-29T01:43:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/aed9c3cf332eb6df6ddd84ef41707190-%d8%a8%d9%8a%d8%b9-%d8%a7%d9%84%d8%b9%d9%82%d8%a7%d8%b1-%d9%81%d9%8a-%d8%ac%d9%86%d9%88%d8%a8-%d8%a3%d9%81%d8%b1%d9%8a%d9%82%d9%8a%d8%a7/</loc><lastmod>2026-05-30T13:51:19+08:00</lastmod></url><url><loc>https://ifikr.my/resources/48249fa050c5acf0bddd078ac9bca5e4-%d8%a7%d9%84%d8%a8%d9%8a%d8%b9-%d8%a8%d8%a7%d9%84%d8%aa%d9%82%d8%b3%d9%8a%d8%b7/</loc><lastmod>2026-05-30T14:01:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/aebb7044e5fac703aa9c92a3b262dab9-%d8%a7%d9%84%d8%a7%d8%b3%d8%aa%d8%ad%d9%88%d8%a7%d8%b0-%d8%b9%d9%84%d9%89-%d9%85%d8%a8%d9%84%d8%ba-%d8%a7%d9%84%d8%b9%d8%b1%d8%a8%d9%88%d9%86-%d9%81%d9%8a-%d8%ad%d8%a7/</loc><lastmod>2026-05-30T14:03:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/95c2773f6a4495c61a8203c3db9cbb50-%d8%a5%d8%b9%d8%b7%d8%a7%d8%a1-%d8%ad%d9%88%d8%a7%d9%81%d9%84-%d9%85%d8%a7%d8%af%d9%8a%d8%a9-%d9%88%d8%b9%d9%8a%d9%84%d9%8a%d8%a9-%d9%84%d9%85%d9%86%d8%af%d9%88%d8%a8/</loc><lastmod>2026-05-29T01:51:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/687217b96928e887d588cedb897ebccd-%d9%85%d8%b1%d8%a7%d8%ac%d8%b9%d8%a9-%d9%87%d8%a7%d9%85%d8%b4-%d8%a7%d9%84%d8%b1%d8%a8%d8%ad-%d9%88%d9%81%d9%82-%d8%aa%d8%ba%d9%8a%d9%8a%d8%b1-%d8%b3%d8%b9%d8%af/</loc><lastmod>2026-05-30T13:49:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/2bc43804856c400695937ecc018fa030-%d8%a8%d9%8a%d8%b9-%d8%a7%d9%84%d9%81%d8%b6%d9%88%d9%84%d9%8a-%d9%84%d9%85%d8%b9%d8%a7%d9%84%d8%ac%d8%a9-%d9%85%d9%88%d8%b6%d9%88%d8%b9-%d8%a7%d9%84%d9%85%d8%b1%d8%a7/</loc><lastmod>2026-05-29T01:30:16+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1f39582b4163dbfde164bd3a8e53738a-%d8%ad%d8%a8%d8%b3-%d8%a7%d9%84%d8%a8%d8%b6%d8%a7%d8%b9%d8%a9-%d9%84%d8%a7%d8%b3%d8%aa%d9%8a%d9%81%d8%a7%d8%a1-%d8%a7%d9%84%d8%ab%d9%85%d9%86/</loc><lastmod>2026-05-29T01:35:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/f09ec0e0dcc2ae69002d3839b5a6adff-%d8%b4%d8%b1%d8%a7%d8%a1-%d8%a8%d8%b6%d8%a7%d8%b9%d8%a9-%d9%84%d8%b5%d8%a7%d9%84%d8%ad-%d8%a7%d9%84%d8%b9%d9%85%d9%8a%d9%84-%d8%b9%d9%84%d9%89-%d8%af%d9%81%d8%b9%d8%a7/</loc><lastmod>2026-05-11T09:19:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/dd15fc3dac201632e404fd9cb67b90e7-reviewing-the-researches-received-by-the-islamic-figh-academy-concerning-istisna-contracts/</loc><lastmod>2026-05-29T01:16:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/345d1a0e635073a6c422d9199d48cf8c-using-istisna-to-invest-funds-and-ways-and-means-to-utilize-this-contract/</loc><lastmod>2026-05-29T01:07:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b05a750ef3dd0d2b22e949a82c3b7525-please-advice-shariah-opinion-on-istisna-contract-presented-by-the-company/</loc><lastmod>2026-05-29T01:09:03+08:00</lastmod></url><url><loc>https://ifikr.my/resources/42cf3964373a41c1ae449b0eb54878a2-is-it-permissible-to-enter-into-the-following-istisna-transactions/</loc><lastmod>2026-05-29T01:11:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/66ab08c06418542feaea0f6b49b1fa8b-what-is-the-shariah-opinion-regarding-this-matter-in-istisna/</loc><lastmod>2026-05-29T01:11:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b77a42fa0c7a4cbf9018bf41f1c29eec-whats-the-shariah-opinion-regarding-the-following-istisna-transaction/</loc><lastmod>2026-05-29T01:12:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6c71133cd7da8b9937c1b852fd8baf7f-what-is-the-shariah-opinion-regarding-the-following-istisna-transaction/</loc><lastmod>2026-05-29T01:13:00+08:00</lastmod></url><url><loc>https://ifikr.my/resources/10773060b908a68590d7db8ee696b5e1-is-it-permissible-to-partially-finance-a-client-establishing-a-factory-on-istisna-basis/</loc><lastmod>2026-05-29T01:14:37+08:00</lastmod></url><url><loc>https://ifikr.my/resources/c258aea7f8bf932cebf0a347b485383f-expenses-made-after-initial-approval-of-istisna/</loc><lastmod>2026-05-29T01:14:42+08:00</lastmod></url><url><loc>https://ifikr.my/resources/1ea8077fa68a96549413e3e7cf186b70-sale-of-a-product-under-istisna-contract-before-its-reception/</loc><lastmod>2026-05-29T01:15:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b7fcacce76018cdd62a5136ee4fc7eea-publications-deferred-in-delivery-as-a-subject-matter-of-istisna-contract/</loc><lastmod>2026-05-29T01:15:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b8b072c5bd1ce74f02d6b83c6f3bb26a-foreign-co-education-schools-applying-for-istisna/</loc><lastmod>2026-05-11T09:19:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/9cd876132e3f8634d68d33360b11f127-stipulation-of-appointing-a-consultant-from-istisna-requester-part/</loc><lastmod>2026-05-29T01:01:09+08:00</lastmod></url><url><loc>https://ifikr.my/resources/b51658abd28a3e7d2fca063658c4f210-condition-that-istisna-requester-to-be-himself-the-manufacturer-sania/</loc><lastmod>2026-05-29T01:02:02+08:00</lastmod></url><url><loc>https://ifikr.my/resources/abe7fab03934e3697aa11f036bdc78b5-istisna-applicant-requested-to-make-changes-that-lead-to-increasing-the-cost/</loc><lastmod>2026-06-10T08:35:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/25657784eb5d3d542d1d4e858790c0cc-transfer-of-istisna-contract-to-a-third-party/</loc><lastmod>2026-06-10T08:35:02+08:00</lastmod></url><url><loc>https://ifikr.my/resources/a1fbc1e9ddeae0025049f16be8f442d8-general-provisions-of-contracting-agreements-in-istisna/</loc><lastmod>2026-06-10T08:34:18+08:00</lastmod></url><url><loc>https://ifikr.my/resources/6c29578a3bbf580c2581c68aeabd1e02-participation-in-a-transaction-of-buying-iraqi-oil-and-sell-it-to-turkish-refineries-authority-in-mode-of-murabahah-transaction/</loc><lastmod>2026-06-10T08:34:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-capital-markets-principles-practices-2nd-edition/</loc><lastmod>2026-06-10T15:31:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-economics-principles-analysis-2/</loc><lastmod>2026-06-10T15:33:57+08:00</lastmod></url><url><loc>https://ifikr.my/resources/28643/</loc><lastmod>2026-06-09T14:19:40+08:00</lastmod></url><url><loc>https://ifikr.my/resources/emergent-issues-in-lease-to-own-contracts-ijarah-muntahiyah-bi-tamlik/</loc><lastmod>2026-06-09T14:19:26+08:00</lastmod></url><url><loc>https://ifikr.my/resources/big-data-from-a-shari%ca%bfah-lens/</loc><lastmod>2026-06-10T15:27:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/charting-progress-together-malaysias-islamic-finance-through-the-years-a-compilation-of-published-articles-by-rhb-islamic/</loc><lastmod>2026-06-10T15:30:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/letters-of-guarantee-and-documentary-credit-2/</loc><lastmod>2026-06-09T14:19:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/the-waqf-of-rights-and-benefits-in-light-of-the-principles-and-objectives-of-shari%ca%bfah-and-its-repercussions/</loc><lastmod>2026-06-09T14:18:11+08:00</lastmod></url><url><loc>https://ifikr.my/resources/malaysias-energy-policy-window-subsidy-reform-iea-association-status-and-regional-leadership/</loc><lastmod>2026-06-09T15:46:14+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-commercial-law-report-2017-an-annual-publication-assessing-key-issues-and-global-trends-in-islamic-capital-markets/</loc><lastmod>2026-06-09T17:08:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/value-based-intermediation-report-2023-maqa%e1%b9%a3id-al-shari%ca%bfah-in-islamic-banking/</loc><lastmod>2026-06-10T09:48:22+08:00</lastmod></url><url><loc>https://ifikr.my/resources/the-global-gold-investment-markets-traits-for-shari%ca%bfah-based-investment-solutions/</loc><lastmod>2026-06-10T09:49:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-financial-system-principles-operations-1st-edition/</loc><lastmod>2026-06-10T15:36:55+08:00</lastmod></url><url><loc>https://ifikr.my/resources/sukuk-principles-practices/</loc><lastmod>2026-06-10T15:34:53+08:00</lastmod></url><url><loc>https://ifikr.my/resources/%d8%a7%d9%84%d9%85%d8%b9%d8%a7%d9%8a%d9%8a%d8%b1-%d8%a7%d9%84%d8%b4%d8%b1%d8%b9%d9%8a%d8%a9-%d9%88%d8%a7%d9%84%d9%85%d8%aa%d8%b7%d9%84%d8%a8%d8%a7%d8%aa-%d8%a7%d9%84%d8%aa%d8%b4%d8%ba%d9%8a%d9%84/</loc><lastmod>2026-06-10T15:35:47+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-legal-maxims-their-application-in-islamic-finance/</loc><lastmod>2026-06-10T15:36:13+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-finance-and-governance-in-action-a-case-based-learning-approach/</loc><lastmod>2026-06-10T15:28:12+08:00</lastmod></url><url><loc>https://ifikr.my/resources/policy-brief-no-1-2025-phasing-out-the-rule-of-78-in-malaysia-towars-fairer-financing-and-customer-protection/</loc><lastmod>2026-06-09T15:45:51+08:00</lastmod></url><url><loc>https://ifikr.my/resources/if-hub-harnessing-ai-for-zakat-building-a-real-time-needs-matching-system/</loc><lastmod>2026-06-10T08:36:52+08:00</lastmod></url><url><loc>https://ifikr.my/resources/islamic-financial-system-principles-operations-2nd-edition/</loc><lastmod>2026-06-10T15:35:04+08:00</lastmod></url><url><loc>https://ifikr.my/resources/stakeholder-engagement-impact-report-driving-transformational-impact-through-stakeholder-engagement-at-lembaga-zakat-negeri-kedah-lznk/</loc><lastmod>2026-06-09T16:08:33+08:00</lastmod></url><url><loc>https://ifikr.my/resources/sukuk-market-snapshot-3rd-quarter-september-2021/</loc><lastmod>2026-06-10T09:53:20+08:00</lastmod></url><url><loc>https://ifikr.my/resources/sukuk-market-snapshot-4th-quarter-december-2021/</loc><lastmod>2026-06-10T09:53:34+08:00</lastmod></url><url><loc>https://ifikr.my/resources/sukuk-market-snapshot-1st-quarter-march-2022/</loc><lastmod>2026-06-10T09:53:44+08:00</lastmod></url><url><loc>https://ifikr.my/resources/sukuk-market-snapshot-2nd-quarter-june-2022/</loc><lastmod>2026-06-10T09:53:50+08:00</lastmod></url><url><loc>https://ifikr.my/resources/sukuk-market-snapshot-3rd-quarter-september-2022/</loc><lastmod>2026-06-10T09:54:05+08:00</lastmod></url><url><loc>https://ifikr.my/resources/sukuk-market-snapshot-4th-quarter-december-2022/</loc><lastmod>2026-06-10T09:54:17+08:00</lastmod></url><url><loc>https://ifikr.my/resources/sukuk-market-snapshot-1st-quarter-march-2023/</loc><lastmod>2026-06-10T09:54:30+08:00</lastmod></url><url><loc>https://ifikr.my/resources/sukuk-market-snapshot-2nd-quarter-june-2023/</loc><lastmod>2026-06-10T09:54:46+08:00</lastmod></url><url><loc>https://ifikr.my/resources/sukuk-market-snapshot-3rd-quarter-september-2023/</loc><lastmod>2026-06-10T09:55:01+08:00</lastmod></url><url><loc>https://ifikr.my/resources/sukuk-market-snapshot-4th-quarter-december-2023/</loc><lastmod>2026-06-10T09:55:15+08:00</lastmod></url><url><loc>https://ifikr.my/resources/sukuk-market-snapshot-1st-quarter-march-2024/</loc><lastmod>2026-06-10T09:55:28+08:00</lastmod></url><url><loc>https://ifikr.my/resources/sukuk-market-snapshot-2nd-quarter-june-2024/</loc><lastmod>2026-06-10T09:55:41+08:00</lastmod></url><url><loc>https://ifikr.my/resources/irp-122-smart-contracts-a-shariah-analysis-in-light-of-contemporary-applications/</loc><lastmod>2026-06-10T12:01:07+08:00</lastmod></url><url><loc>https://ifikr.my/resources/irp-124-the-shariah-compliance-and-sustainability-implications-of-carbon-credits/</loc><lastmod>2026-06-10T12:07:30+08:00</lastmod></url></urlset>
