Glossary of Terms TAKAFUL TA'AWUNI       ARABIC TRANSCRIPT ENGLISH MEANING/EXPLANATION       (A)  GENERAL RELIGIOUS TERMS                                                                                                AHD COVENANT       AHKAM PLURAL OF HUKUM, RULES,PROVISIONS AND LAWS INCLUDING ALLAH’S COMMANDS/NORMS/ VALUES FOR INDIVIDUAL BELIEVER.       AKHLAQ BEHAVIOR, ATTITUDE, MORALITIES AND WORK ETHICS       AMANA / AQIDAH FAITH AND BELIEF       AQD CONTRACT       AQILAH THE PATERNAL RELATIVES WHO PAY THE BLOOD MONEY.       BALIGH A PERSON ATTAINED AGE OF PUBERTY       BAYYINAH PROOF       DAMAN LIABILITY FOR MAKING UP ANY LOSS, RESPONSIBILITY,   GUARANTEE,WARRANTY, SURETY.       DARAR  DAMAGE       DATIL AUTHORITY       DHARUHRAH NECESSITY       DEEN RELIGION       DIYAT BLOOD WIT,BLOOD MONEY, A MONETARY COMPENSATION PAID FOR UNJUSTIFIED MANSLAUGHTER.        FALAH SUCCESS, VICTORY, ACHIEVEMENT         FAMILY TAKAFUL ISLAMIC LIFE INSURANCE       FAQEER POOR, DESTITUTE, NEEDY       FAQR POVERTY       FATWA JURISTIC OPINION, JURIDICAL DECISION       FARAID INHERITANCE       FARD OR WAJIB AN OBLIGATORY DUTY, THE OMISSION OF WHICH IS PUNISHABLE       FIDYAH COMPENSATION       FIQH A KNOWLEDGE OF SHARIAH THAT IS ISLAMIC LAW       FITRAH HUMAN NATURE       FUQAHA JURISTS         GENERAL TAKAFUL ISLAMIC GENERAL INSURANCE       HALAL LAWFUL, VALID       HARAM  UNLAWFUL; FORBIDDEN AND PUNISHABLE       HAWALA ASSIGNMENT        HIBAH GIFT, USED FOR SUPPLEMENTARY CONTRACTS OF ENDOWMENT       HUKM RULE, INJUNCTION       IJTIHAD PERSONAL REASONING; FIGHTING FOR CAUSE OF ALLAH(SUH)              ILM KNOWLEDGE       JAIZ OR MUBAH AN ACTION WHICH IS PERMITTED AND THE LAW IS INDIFFERENT       JAHANNAM HELL       JIZYAH TAX       JUNIN INSANITY       KAFIR UNBELIEVERY       KIFALAH (CONTRACT) SOMEONE WHO AGREES TO PROVIDE A GUARANTEE    –USED FOR L/C       KHAIRAT DONATION       MAZHAB SCHOOL OF JURISPRUDENCE       MAKRUH AN ACTION WHICH IS DISLIKED YET NOT PUNISHABLE, BUT THE OMISSION   IS REWARDED; DISAPPROVED.       MANDUB OR MUSTAHBAH AN ACTION WHICH IS NOT REWARDED, BUT THE OMISSIONOF WHICH IS NOT PUNISHABLE; RECOMMENDED       MASALIH AL-MURSALAH DOCTRINES OF PUBLIC INTEREST.   MASLAHAH UTILITY OR BENEFIT WHICH NECESSITATE PROTECTIN OF  FAITH, LIFE, PREGNANCY, PROPERTY AND NATIONALITY.       MAUT DEATH, DEMISE       MIRATH INHERITANCE       MISKIN DESTITUTE, NEEDY          MODHARABAH ISLAMIC COMMERCIAL PROFIT SHARING       MUBAH PERMISSIBLE       MUDARAH HARM, INJURY         MUDHARIB  ENTREPRENEUR OR TAKAFUL OPERATOR IN EFFECT, CUSTODIAN OF PUBLIC FUNDS       MURABAHAH PERMISSIBLE TRADE TRANSACTION       NAFS SELF, LIFE       NASAB RELATIVE, DESCENDANT       NASL LINEAGE, PROGENY       NIYYAT INTENTIONS         P.A.A/C PARTICIPANTS ACCOUNTT         QADA/QADR DESTINY, SOMETIMES ASSOCIATED WITH MISFORTUNE OR CATASTROPHE       QIYAS ANALOGY; LEGAL REASONING         RA’S-UL-MAL TAKAFUL CONTRIBUTIONS/ PREMIUM/ INSTALLMENTS       SABI INFANT       SADAQAH CHARITY       SADAQAT JARIAH A FORM OF CHAIRTY       SAGHIR MINOR         SAHIB-UL-MAL TAKAFUL PARTICIPANTS/ INVESTOR/ PROVIDERS OF CAPITAL       SHARIAH ISLAMIC LAW       SAHIH VALID,SOUND,AUTHENTICITY       SHAHADAH WITNESSING       SHARAT CONDITION, TERM, WARRANTY       SHARIAH PRACTICES AND ACTIVITIES       SYSTEM OF AQILA  MUTUAL LIABILITY ON A GROUP OF PERSONS, FOR THE ACTION OF ONE OF THEM, TO PAY COMPENSATION.        SYSTEM OF QASAMAH COMPENSATION PAID TO RELATIVES OF A PERSON WHO  IS KILLED AND THE KILLER CAN NOT BE FOUND         TABARRUAT DONATION         TAHRIM PROHIBITION         TAKAFUL JOINT GUARANTEE. A MUTUAL PACT AMONG GROUP OF MEMBERS   OR PARTICIPANTS AMONG THEMSELVES TO SHARE ANY LOSS   OR DAMAGE THAT MAY BE INFLICTED UPON ANY OF   THEM AS DEFINED IN THE PACT CONTRACT BASED ON   RECIPROCITY, RISK-CLEARING & (PROFIT SHARING) AND MANAGED BY   OPERATOR IN ORDER TO PROVIDE COMPENSATION TO ANY MEMBER   IN THE EVENT OF THE OCCURRENCE OF A  CLEARLY   DEFINED LOSS.       TAKAFUL AL TA’AWUNI COOPERATIVE  CONCEPT OF RISK-SHARING AND MUTUAL SEL-HELP PARTICIPATED  BY A GROUP  MEMBERS.               TA'MIN INSURANCE       TAWAKKUL PUTTING TRUST IN ALLAH (SWT)       THAWAB REWARD       TIJARI COMMERCIAL OR PRIVATE SECTION         ULAMA SCHOLARS, JURISTS, ACEDEMICIANS.(ISLAMIC)       UMMAH NATION OR ISLAMIC UNIVERSAL COMMUNITY       UMR AGE       URF CUSTOM, USAGE, COMMON PRACTICE       WADIAH DEPOSIT       WAJIB OBLIGATION, COMPULSORY, MANDATORY       WAKALAH (CONTRACT) APPOINTMENT OF SOMEONE TO BE YOUR AGENT-  USED FOR ONE METHOD OF L/C; ABSOLUTE POWER OF   ATTORNEY       WAKIL AGENT       WALI GUARDIAN       WAQF CHARITY, RELIGIOUS ENDOWMENT TESTAMENTARY   BEQUEST OF REAL ESTATE.       WASIYRAH WILL, BEQUEST         (B) FINANCIAL AND BANKING TERMS         BAI' AL-DAYN SECURITIZATION AND DEBT TRADING       BAI'- AL-ISTINA' SALE ON ORDER           BAI' AL-MURABAHAIN DEFERRED LUMP SUM SALE       BAI' AL-SALAM SALAM SALE       BAI' BITHAMAN AJIL DEFERRED INSTALLMENT SALE       BAIT- AL-MAL         BAI SALE       DAYN DEBT/LIABILITY       DHAMANAH GUARANTEE       DIYAT BLOOD WIT, BLOOD MONEY, A MONETARY COMPENSATION   AGAINST UNJUSTIFIED MANSLAUGHTER.       GHARAR UNCERTAINTY, UNKNOWN. A TRANSACTION UNDER ISLAMIC LAW SHOULD BE HELD   INVALID IF IT INVOLVES THE ELEMENT OF GHARAR.       GARIM INSOLVENT, PRINCIPAL DEBTOR, BANKRUPT       HIFZ (CONTRACT) SAFE CUSTODY       IJARA (LEASING) AN ISLAMIC CONTRACT OF UNDER WHICH   THE LESSOR RENTS ITS ASSET OR EQUIPMENT TO A   LESSEE(CLIENT). THE DURATION, TERMS AND CONDITIONS   AND RENTAL FEES ARE AS AGREED IN ADVANCE.   OWNERSHIP AND TITLE IN THE LEASED ASSET/EQUIPMENT   REMAINS WITH LESSOR.       IJARAH WA-IQTINA (LEASE/HIRE/PURCHASE) SIMILAR TO IJARA EXCEPT THAT   THERE IS A COMMITMENT BY THE LESSEE(CLIENT) TO   PURCHASE THE LEASED ASSET/EQUIPMENT AT THE END   END OF THE RENTAL PERIOD. LESSEE PAYS RENTAL FEES   FOR THE USE OF THE LEASED ITEM(S) AND PAYS  A   PURCHASE PRICE AT THE END OF THE LEASE EQUAL TO:   (A) PRE-AGREED VALUE OR (B) MARKET PRICE AT THAT TIME.   ONCE THE ACTUAL SALE OCCURS, OWNERSHIP AND TITLE   PASSES FROM LESSOR TO LESSEE.        ISQATAT(CONTRACT) RELEASES        ISHTIRAK (CONTRACT) PARTNERSHIP        ITAQAT (CONTRACT) PERMISSIONS       IWAD CONSIDERATION       JAHALAH LACK OF KNOWLEDGE       MAISIR GAMBLING       MAL WEALTH, PROPERTY: THING       MUAMALAH COMMERCIAL TRANSACTION       MUDARABAH CO-PARTNERSHIP WHERE AT LEAST TWO PARTIES ARE INVOLVED   IN A COMMERCIAL TRANSACTION IN WHICH ONE PARTY PROVIDES   CAPITAL WHILE THE OTHER OFFERS SKILL IN CARRYING OUT THE   BUSINESS SUCCESSFULLY IN VIEW OF SHARING THE SUBSE-   QUENT PROFITS OR LOSS ACCORDINGLY. THIS IS A FINANCING   TECHNIQUE ADOPTED BY ALL FINANCIAL INSTITUTION AND IN