Society of Islamic Banking & Finance Students

Society of Islamic Banking & Finance Students Official page of the Society of Islamic Banking & Finance Students at MSU-Marawi City, Philippines.

We proudly stand with ๐€๐›๐๐ฎ๐ฅ ๐˜๐ฎ๐ฌ๐จ๐ฉ๐ก ๐‹. ๐๐š๐ญ๐š๐จ, Outgoing Associate Justice of the KFCIAAS Student Council and Chief Justice...
18/05/2026

We proudly stand with ๐€๐›๐๐ฎ๐ฅ ๐˜๐ฎ๐ฌ๐จ๐ฉ๐ก ๐‹. ๐๐š๐ญ๐š๐จ, Outgoing Associate Justice of the KFCIAAS Student Council and Chief Justice of the MSU Main Supreme Student Government, as he officially runs for ๐—ฃ๐—ฟ๐—ถ๐—บ๐—ฒ ๐— ๐—ถ๐—ป๐—ถ๐˜€๐˜๐—ฒ๐—ฟ of the MSU Main Supreme Student Government (SSG), carrying with him a vision rooted in genuine leadership, inclusive governance, and meaningful action for the Pamantasang Mindanao.

Hindi tayo titigil sa sapat lamang.
Letโ€™s come together in Going Beyond.





๐—Ÿ๐—ข๐—ข๐—ž | ๐Ÿฑ๐—ง๐—› ๐—œ๐—•๐—™ ๐—ข๐—ก๐—Ÿ๐—œ๐—ก๐—˜ ๐—ช๐—˜๐—•๐—œ๐—ก๐—”๐—ฅโ€‹The ๐’๐จ๐œ๐ข๐ž๐ญ๐ฒ ๐จ๐Ÿ ๐ˆ๐ฌ๐ฅ๐š๐ฆ๐ข๐œ ๐๐š๐ง๐ค๐ข๐ง๐  ๐š๐ง๐ ๐…๐ข๐ง๐š๐ง๐œ๐ž ๐’๐ญ๐ฎ๐๐ž๐ง๐ญ๐ฌ (๐’๐ˆ๐๐…๐’) is proud to present an insight...
17/05/2026

๐—Ÿ๐—ข๐—ข๐—ž | ๐Ÿฑ๐—ง๐—› ๐—œ๐—•๐—™ ๐—ข๐—ก๐—Ÿ๐—œ๐—ก๐—˜ ๐—ช๐—˜๐—•๐—œ๐—ก๐—”๐—ฅ

โ€‹The ๐’๐จ๐œ๐ข๐ž๐ญ๐ฒ ๐จ๐Ÿ ๐ˆ๐ฌ๐ฅ๐š๐ฆ๐ข๐œ ๐๐š๐ง๐ค๐ข๐ง๐  ๐š๐ง๐ ๐…๐ข๐ง๐š๐ง๐œ๐ž ๐’๐ญ๐ฎ๐๐ž๐ง๐ญ๐ฌ (๐’๐ˆ๐๐…๐’) is proud to present an insightful session on the evolving landscape of the global market.

โ€‹As the Halal industry expands far beyond food, we dive into how Shariah principles are driving modern innovation and massive economic shifts.

โ€‹๐˜›๐˜ฐ๐˜ฑ๐˜ช๐˜ค: ๐˜›๐˜ฉ๐˜ฆ ๐˜๐˜ข๐˜ญ๐˜ข๐˜ญ ๐˜Œ๐˜ค๐˜ฐ๐˜ฏ๐˜ฐ๐˜ฎ๐˜บ: ๐˜๐˜ณ๐˜ฐ๐˜ฎ ๐˜š๐˜ฉ๐˜ข๐˜ณ๐˜ช๐˜ข๐˜ฉ ๐˜—๐˜ณ๐˜ช๐˜ฏ๐˜ค๐˜ช๐˜ฑ๐˜ญ๐˜ฆ๐˜ด ๐˜ต๐˜ฐ ๐˜Ž๐˜ญ๐˜ฐ๐˜ฃ๐˜ข๐˜ญ ๐˜๐˜ฏ๐˜ฏ๐˜ฐ๐˜ท๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ข๐˜ฏ๐˜ฅ ๐˜Œ๐˜ค๐˜ฐ๐˜ฏ๐˜ฐ๐˜ฎ๐˜ช๐˜ค ๐˜Ž๐˜ณ๐˜ฐ๐˜ธ๐˜ต๐˜ฉ

โ€‹Featured Guest Lecturer: โ€‹๐—”๐˜‚๐—ฏ๐—ฎ๐—ถ๐—ฑ๐—ถ๐—น๐—น๐—ฎ๐—ต ๐——๐—ผ๐—น๐—ผ๐—ต, ๐— ๐—ฆ๐—ฐ

โ€ข โ€‹PhD Candidate in Islamic Banking and Finance, IIUM Malaysia
โ€ข โ€‹Master of Islamic Banking and Finance, IIUM Malaysia
โ€ข โ€‹Bachelor of Science - (Political Science) Minor In Fiqh and Usul Fiqh, IIUM Malaysia

โ€‹๐–๐ก๐ž๐ง: ๐’๐š๐ญ๐ฎ๐ซ๐๐š๐ฒ, ๐Ÿ๐Ÿ‘ ๐Œ๐š๐ฒ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ”
โ€‹๐“๐ข๐ฆ๐ž: ๐Ÿ:๐ŸŽ๐ŸŽ ๐๐Œ โ€“ ๐Ÿ:๐Ÿ‘๐ŸŽ ๐๐Œ (๐๐ก๐ข๐ฅ๐ข๐ฉ๐ฉ๐ข๐ง๐ž ๐“๐ข๐ฆ๐ž)
โ€‹๐๐ฅ๐š๐ญ๐Ÿ๐จ๐ซ๐ฆ: ๐†๐จ๐จ๐ ๐ฅ๐ž ๐Œ๐ž๐ž๐ญ
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How to Join: โ€‹Click the link below to enter the session: meet.google.com/upk-rvun-nqd

Donโ€™t miss this opportunity to learn from an academic expert in the field! Whether you are a student, professional, or simply curious about Islamic finance, this session is for you.

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๐—Ÿ๐—˜๐—”๐——๐—˜๐—ฅ๐—ฆ๐—›๐—œ๐—ฃ ๐—œ๐—ก ๐—ฆ๐—˜๐—ฅ๐—ฉ๐—œ๐—–๐—˜Huge congratulations to our newly elected:๐—›๐—ผ๐—ป. ๐—๐—ฎ๐—บ๐—ฎ๐—น ๐—•. ๐—š๐—ฎ๐—ฟ๐—ผ | ๐—–๐—ต๐—ถ๐—ฒ๐—ณ ๐— ๐—ถ๐—ป๐—ถ๐˜€๐˜๐—ฒ๐—ฟ๐—›๐—ผ๐—ป. ๐—œ๐˜€๐—บ๐—ฎ๐—ถ๐—น ๐—•. ๐—–๐—ฎ๐—ฏ๐—ฎ๐˜๐˜‚๐—ฎ...
16/05/2026

๐—Ÿ๐—˜๐—”๐——๐—˜๐—ฅ๐—ฆ๐—›๐—œ๐—ฃ ๐—œ๐—ก ๐—ฆ๐—˜๐—ฅ๐—ฉ๐—œ๐—–๐—˜

Huge congratulations to our newly elected:

๐—›๐—ผ๐—ป. ๐—๐—ฎ๐—บ๐—ฎ๐—น ๐—•. ๐—š๐—ฎ๐—ฟ๐—ผ | ๐—–๐—ต๐—ถ๐—ฒ๐—ณ ๐— ๐—ถ๐—ป๐—ถ๐˜€๐˜๐—ฒ๐—ฟ
๐—›๐—ผ๐—ป. ๐—œ๐˜€๐—บ๐—ฎ๐—ถ๐—น ๐—•. ๐—–๐—ฎ๐—ฏ๐—ฎ๐˜๐˜‚๐—ฎ | ๐—ฆ๐—ฝ๐—ฒ๐—ฎ๐—ธ๐—ฒ๐—ฟ ๐—ผ๐—ณ ๐˜๐—ต๐—ฒ ๐—›๐—ผ๐˜‚๐˜€๐—ฒ

The student body has spoken, and we are excited to see the vision and passion you bring to the King Faisal Center.โ€‹ We pray that Allah (SWT) grants you the wisdom of Sulaiman (AS), the strength of character, and the patience to lead our community with justice and compassion. May this position be a means for you to serve the Ummah and may He place Barakah (blessing) in every decision you make.
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Barakallahu lakuma wa baraka 'alaikuma.

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๐—˜๐—ฌ๐—˜๐—ฆ ๐—›๐—˜๐—ฅ๐—˜ | ๐Ÿฐ๐—ง๐—› ๐—œ๐—•๐—™ ๐—ฆ๐—˜๐—ฅ๐—œ๐—˜๐—ฆ ๐—ช๐—˜๐—•๐—œ๐—ก๐—”๐—ฅUnlock new insights into ethical finance and community empowerment. ๐™๐™๐™š ๐™Ž๐™ค๐™˜๐™ž๐™š๐™ฉ๐™ฎ ๐™ค๐™› ๐™„๐™จ๐™ก...
09/05/2026

๐—˜๐—ฌ๐—˜๐—ฆ ๐—›๐—˜๐—ฅ๐—˜ | ๐Ÿฐ๐—ง๐—› ๐—œ๐—•๐—™ ๐—ฆ๐—˜๐—ฅ๐—œ๐—˜๐—ฆ ๐—ช๐—˜๐—•๐—œ๐—ก๐—”๐—ฅ

Unlock new insights into ethical finance and community empowerment. ๐™๐™๐™š ๐™Ž๐™ค๐™˜๐™ž๐™š๐™ฉ๐™ฎ ๐™ค๐™› ๐™„๐™จ๐™ก๐™–๐™ข๐™ž๐™˜ ๐˜ฝ๐™–๐™ฃ๐™ ๐™ž๐™ฃ๐™œ ๐™–๐™ฃ๐™™ ๐™๐™ž๐™ฃ๐™–๐™ฃ๐™˜๐™š ๐™Ž๐™ฉ๐™ช๐™™๐™š๐™ฃ๐™ฉ๐™จ (๐™Ž๐™„๐˜ฝ๐™๐™Ž) is back with another session focused on impactful, community-driven financial practices.

โ€‹Weโ€™re excited to have ๐— ๐—ฟ. ๐——๐—ฎ๐˜ƒ๐—ฒ ๐—๐—ผ๐—ต๐—ป ๐—ฆ. ๐—ฃ๐—ฎ๐—น๐—ผ sharing his expertise on how Islamic microfinance can be a game-changer for building sustainable cooperatives. Mark your calendars and get your questions ready for an insightful afternoon!

๐—˜๐˜ƒ๐—ฒ๐—ป๐˜ ๐—ฆ๐—ฐ๐—ต๐—ฒ๐—ฑ๐˜‚๐—น๐—ฒ

โ€‹๐“๐จ๐ฉ๐ข๐œ: ๐๐ฎ๐ข๐ฅ๐๐ข๐ง๐  ๐’๐ฎ๐ฌ๐ญ๐š๐ข๐ง๐š๐›๐ฅ๐ž ๐‚๐จ๐จ๐ฉ๐ž๐ซ๐š๐ญ๐ข๐ฏ๐ž๐ฌ ๐ญ๐ก๐ซ๐จ๐ฎ๐ ๐ก ๐ˆ๐ฌ๐ฅ๐š๐ฆ๐ข๐œ ๐Œ๐ข๐œ๐ซ๐จ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž ๐๐ซ๐š๐œ๐ญ๐ข๐œ๐ž๐ฌ
โ€‹๐ƒ๐š๐ญ๐ž: ๐’๐š๐ญ๐ฎ๐ซ๐๐š๐ฒ, ๐Ÿ๐Ÿ” ๐Œ๐š๐ฒ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ”
โ€‹๐“๐ข๐ฆ๐ž: ๐Ÿ:๐ŸŽ๐ŸŽ ๐๐Œ โ€“ ๐Ÿ:๐Ÿ‘๐ŸŽ ๐๐Œ
โ€‹๐๐ฅ๐š๐ญ๐Ÿ๐จ๐ซ๐ฆ: ๐†๐จ๐จ๐ ๐ฅ๐ž ๐Œ๐ž๐ž๐ญ

โ€‹๐Ÿ”— Join the Conversation
โ€‹Meeting Link: meet.google.com/qsm-vkgz-ouo

We are so excited to see everyone come together for this discussion, so make sure to click the link early, get comfortable, and prepare to dive deep into these essential topics with our guest speaker and the rest of the IBF community.

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Alhamdulillah for our 2nd Mabeet with the IBF Boys.What seemed like a simple gathering turned into a meaningful night fi...
03/05/2026

Alhamdulillah for our 2nd Mabeet with the IBF Boys.

What seemed like a simple gathering turned into a meaningful night filled with reflection, real conversations, and genuine brotherhood. From the small moments to the deep talks, everything reminded us how valuable it is to be surrounded by brothers who uplift one another for the sake of Allah.

We are truly grateful for the insightful and heartfelt reminders from Dr. Shahid Q Manalundong for his words that gave us clarity, strengthened our faith, and reminded us of our purpose. His reminders helped us reflect on ourselves and encouraged us to become better, not just individually, but as a brotherhood in Islam.

This Mabeet was more than just staying together it was about growing together, strengthening our bond, and building a connection rooted in faith and sincerity. In a world full of distractions, nights like this bring us back to what truly matters.

May Allah continue to guide us, keep our intentions pure, and strengthen the brotherhood of the IBF Boyz. Looking forward to more moments like this, in shaa Allah .


ุฃุตุฏุฑุช ุฏุงุฑ ุงู„ุฅูุชุงุก ุจุจุงู†ุฌุณุงู…ูˆุฑูˆ ูุชูˆู‰ ุจุดุฃู† ุงุณุชุฎุฏุงู… ุจุทุงู‚ุฉ ุงุฆุชู…ุงู† ุงู„ุบูŠุฑ ู…ู‚ุงุจู„ ุฒูŠุงุฏุฉ ู…ุคุฌู„ุฉ ุฃุตุฏุฑุช ุฏุงุฑ ุงู„ุฅูุชุงุก ุจุจุงู†ุฌุณุงู…ูˆุฑูˆ ูุชูˆู‰ ...
28/04/2026

ุฃุตุฏุฑุช ุฏุงุฑ ุงู„ุฅูุชุงุก ุจุจุงู†ุฌุณุงู…ูˆุฑูˆ ูุชูˆู‰ ุจุดุฃู† ุงุณุชุฎุฏุงู… ุจุทุงู‚ุฉ ุงุฆุชู…ุงู† ุงู„ุบูŠุฑ ู…ู‚ุงุจู„ ุฒูŠุงุฏุฉ ู…ุคุฌู„ุฉ

ุฃุตุฏุฑุช ุฏุงุฑ ุงู„ุฅูุชุงุก ุจุจุงู†ุฌุณุงู…ูˆุฑูˆ ูุชูˆู‰ ุจุดุฃู† ุงุณุชุฎุฏุงู… ุจุทุงู‚ุฉ ุงู„ุงุฆุชู…ุงู† ุงู„ุฎุงุตุฉ ุจุดุฎุต ุขุฎุฑ ู…ู‚ุงุจู„ ุฏูุน ู…ุจู„ุบ ุฅุถุงููŠ ู…ุคุฌู„. ูˆุจุญุณุจ ุฏุฑุงุณุชู‡ู…ุŒ ูุฅู† ู‡ุฐุง ุงู„ู†ูˆุน ู…ู† ุงู„ุงุชูุงู‚ ู„ุง ูŠูุนุฏ ุจูŠุนู‹ุง ุตุญูŠุญู‹ุงุŒ ุจู„ ู‡ูˆ ููŠ ุญู‚ูŠู‚ุชู‡ ู‚ุฑุถุŒ ุญูŠุซ ูŠู‚ูˆู… ุตุงุญุจ ุงู„ุจุทุงู‚ุฉ ุจุงู„ุฏูุน ู†ูŠุงุจุฉู‹ ุนู† ุบูŠุฑู‡ุŒ ุซู… ูŠูุทุงู„ุจู‡ ุจุงู„ุณุฏุงุฏ ููŠ ูˆู‚ุช ู„ุงุญู‚ ู…ุน ุฒูŠุงุฏุฉ ูˆุชูุนุฏ ู‡ุฐู‡ ุงู„ุฒูŠุงุฏุฉ ู…ู†ูุนุฉู‹ ู†ุงุชุฌุฉ ุนู† ุงู„ู‚ุฑุถุŒ ูˆู‡ูŠ ู…ู† ุงู„ุฑุจุง ุงู„ู…ุญุฑู‘ู… ููŠ ุงู„ุดุฑูŠุนุฉ ุงู„ุฅุณู„ุงู…ูŠุฉ.

ูƒู…ุง ุฃูˆุถุญุช ุงู„ูุชูˆู‰ ุฃู† ู‡ุฐุง ุงู„ู†ูˆุน ู…ู† ุงู„ู…ุนุงู…ู„ุงุช ุบูŠุฑ ุฌุงุฆุฒ ู„ุงุญุชูˆุงุฆู‡ ุนู„ู‰ ุนู†ุตุฑ ุฑุจุง ุงู„ู†ุณูŠุฆุฉ (ุงู„ุฒูŠุงุฏุฉ ุจุณุจุจ ุงู„ุชุฃุฌูŠู„)ุŒ ูˆู„ุนุฏู… ุงุณุชูŠูุงุฆู‡ ุดุฑูˆุท ุงู„ุจูŠุน ุงู„ุตุญูŠุญ.

ูˆู…ุน ุฐู„ูƒุŒ ุชูˆุฌุฏ ุจุฏุงุฆู„ ู…ุดุฑูˆุนุฉ ู…ุซู„ ุงู„ู…ุฑุงุจุญุฉ ู„ู„ุขู…ุฑ ุจุงู„ุดุฑุงุก (ุงู„ุจูŠุน ุจุงู„ุชู‚ุณูŠุท ู…ุน ุจูŠุงู† ุงู„ุณุนุฑ ุจูˆุถูˆุญ) ูˆุงู„ูˆูƒุงู„ุฉ (ุงู„ุชููˆูŠุถ ุฃูˆ ุงู„ุชู…ุซูŠู„) ุจุดุฑุท ุฎู„ูˆู‘ู‡ุง ู…ู† ุฃูŠ ูุงุฆุฏุฉ ุฑุจูˆูŠุฉ. ูˆู…ู† ุฎู„ุงู„ ุฐู„ูƒุŒ ุชูุดุฌู‘ุน ุฏุงุฑ ุงู„ุฅูุชุงุก ุงู„ู…ุฌุชู…ุน ุนู„ู‰ ุงู„ุงู„ุชุฒุงู… ุจุงู„ู…ุนุงู…ู„ุงุช ุงู„ู…ุชูˆุงูู‚ุฉ ู…ุน ุฃุญูƒุงู… ุงู„ุดุฑูŠุนุฉุŒ ุญูุงุธู‹ุง ุนู„ู‰ ุงู„ุนุฏุงู„ุฉ ูˆุชุฌู†ุจู‹ุง ู„ู„ูˆู‚ูˆุน ููŠ ุงู„ู…ุญุฑู‘ู…ุงุช.

๐—•๐——๐—œ ๐—ก๐—ฎ๐—ด๐—น๐—ฎ๐—ฏ๐—ฎ๐˜€ ๐—ป๐—ด ๐—™๐—ฎ๐˜๐˜„๐—ฎ: ๐—›๐—ถ๐—ป๐—ฑ๐—ถ ๐—ฃ๐—ถ๐—ป๐—ฎ๐—ต๐—ถ๐—ต๐—ถ๐—ป๐˜๐˜‚๐—น๐˜‚๐˜๐—ฎ๐—ป ๐—ฎ๐—ป๐—ด ๐—ฃ๐—ฎ๐—ด๐—ด๐—ฎ๐—บ๐—ถ๐˜ ๐—ป๐—ด ๐—–๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜ ๐—–๐—ฎ๐—ฟ๐—ฑ ๐—ป๐—ด ๐—œ๐—ฏ๐—ฎ ๐—ป๐—ฎ ๐—บ๐—ฎ๐˜† ๐——๐—ฎ๐—ด๐—ฑ๐—ฎ๐—ด ๐—ป๐—ฎ ๐—•๐—ฎ๐˜†๐—ฎ๐—ฑ

Ang Bangsamoro Darul-Ifta' ay naglabas ng Fatwa hinggil sa paggamit ng credit card ng ibang tao kapalit ng ipinagpalibang dagdag na bayad. Ayon sa kanilang pag-aaral, ang ganitong kasunduan ay hindi isang wastong bentahan kundi isang uri ng pautang, kung saan ang may-ari ng card ang nagbabayad para sa iba at sinisingil ito sa hinaharap na may karagdagang halaga. Ang nasabing dagdag ay itinuturing na pakinabang mula sa pautang na kabilang sa ipinagbabawal na riba sa ilalim ng batas ng Shariโ€™ah.

Ipinaliwanag din sa Fatwa na ang ganitong transaksyon ay hindi pinahihintulutan dahil ito ay may elementong riba al-nasฤซโ€™ah (interes dahil sa pagpapaliban) at hindi natutugunan ang mga kondisyon ng isang wastong bentahan. Gayunpaman, may mga pinahihintulutang alternatibo tulad ng murabaha (hulugang bentahan na may malinaw na presyo) at wakala (ahensiya o pagiging tagapamagitan) na walang kasamang interes. Sa pamamagitan nit

ุฃุตุฏุฑุช ุฏุงุฑ ุงู„ุฅูุชุงุก ุจุจุงู†ุฌุณุงู…ูˆุฑูˆ ูุชูˆู‰ ุจุดุฃู† ุงุณุชุฎุฏุงู… ุจุทุงู‚ุฉ ุงุฆุชู…ุงู† ุงู„ุบูŠุฑ ู…ู‚ุงุจู„ ุฒูŠุงุฏุฉ ู…ุคุฌู„ุฉ

ุฃุตุฏุฑุช ุฏุงุฑ ุงู„ุฅูุชุงุก ุจุจุงู†ุฌุณุงู…ูˆุฑูˆ ูุชูˆู‰ ุจุดุฃู† ุงุณุชุฎุฏุงู… ุจุทุงู‚ุฉ ุงู„ุงุฆุชู…ุงู† ุงู„ุฎุงุตุฉ ุจุดุฎุต ุขุฎุฑ ู…ู‚ุงุจู„ ุฏูุน ู…ุจู„ุบ ุฅุถุงููŠ ู…ุคุฌู„. ูˆุจุญุณุจ ุฏุฑุงุณุชู‡ู…ุŒ ูุฅู† ู‡ุฐุง ุงู„ู†ูˆุน ู…ู† ุงู„ุงุชูุงู‚ ู„ุง ูŠูุนุฏ ุจูŠุนู‹ุง ุตุญูŠุญู‹ุงุŒ ุจู„ ู‡ูˆ ููŠ ุญู‚ูŠู‚ุชู‡ ู‚ุฑุถุŒ ุญูŠุซ ูŠู‚ูˆู… ุตุงุญุจ ุงู„ุจุทุงู‚ุฉ ุจุงู„ุฏูุน ู†ูŠุงุจุฉู‹ ุนู† ุบูŠุฑู‡ุŒ ุซู… ูŠูุทุงู„ุจู‡ ุจุงู„ุณุฏุงุฏ ููŠ ูˆู‚ุช ู„ุงุญู‚ ู…ุน ุฒูŠุงุฏุฉ ูˆุชูุนุฏ ู‡ุฐู‡ ุงู„ุฒูŠุงุฏุฉ ู…ู†ูุนุฉู‹ ู†ุงุชุฌุฉ ุนู† ุงู„ู‚ุฑุถุŒ ูˆู‡ูŠ ู…ู† ุงู„ุฑุจุง ุงู„ู…ุญุฑู‘ู… ููŠ ุงู„ุดุฑูŠุนุฉ ุงู„ุฅุณู„ุงู…ูŠุฉ.

ูƒู…ุง ุฃูˆุถุญุช ุงู„ูุชูˆู‰ ุฃู† ู‡ุฐุง ุงู„ู†ูˆุน ู…ู† ุงู„ู…ุนุงู…ู„ุงุช ุบูŠุฑ ุฌุงุฆุฒ ู„ุงุญุชูˆุงุฆู‡ ุนู„ู‰ ุนู†ุตุฑ ุฑุจุง ุงู„ู†ุณูŠุฆุฉ (ุงู„ุฒูŠุงุฏุฉ ุจุณุจุจ ุงู„ุชุฃุฌูŠู„)ุŒ ูˆู„ุนุฏู… ุงุณุชูŠูุงุฆู‡ ุดุฑูˆุท ุงู„ุจูŠุน ุงู„ุตุญูŠุญ.

ูˆู…ุน ุฐู„ูƒุŒ ุชูˆุฌุฏ ุจุฏุงุฆู„ ู…ุดุฑูˆุนุฉ ู…ุซู„ ุงู„ู…ุฑุงุจุญุฉ ู„ู„ุขู…ุฑ ุจุงู„ุดุฑุงุก (ุงู„ุจูŠุน ุจุงู„ุชู‚ุณูŠุท ู…ุน ุจูŠุงู† ุงู„ุณุนุฑ ุจูˆุถูˆุญ) ูˆุงู„ูˆูƒุงู„ุฉ (ุงู„ุชููˆูŠุถ ุฃูˆ ุงู„ุชู…ุซูŠู„) ุจุดุฑุท ุฎู„ูˆู‘ู‡ุง ู…ู† ุฃูŠ ูุงุฆุฏุฉ ุฑุจูˆูŠุฉ. ูˆู…ู† ุฎู„ุงู„ ุฐู„ูƒุŒ ุชูุดุฌู‘ุน ุฏุงุฑ ุงู„ุฅูุชุงุก ุงู„ู…ุฌุชู…ุน ุนู„ู‰ ุงู„ุงู„ุชุฒุงู… ุจุงู„ู…ุนุงู…ู„ุงุช ุงู„ู…ุชูˆุงูู‚ุฉ ู…ุน ุฃุญูƒุงู… ุงู„ุดุฑูŠุนุฉุŒ ุญูุงุธู‹ุง ุนู„ู‰ ุงู„ุนุฏุงู„ุฉ ูˆุชุฌู†ุจู‹ุง ู„ู„ูˆู‚ูˆุน ููŠ ุงู„ู…ุญุฑู‘ู…ุงุช.

๐—•๐——๐—œ ๐—ก๐—ฎ๐—ด๐—น๐—ฎ๐—ฏ๐—ฎ๐˜€ ๐—ป๐—ด ๐—™๐—ฎ๐˜๐˜„๐—ฎ: ๐—›๐—ถ๐—ป๐—ฑ๐—ถ ๐—ฃ๐—ถ๐—ป๐—ฎ๐—ต๐—ถ๐—ต๐—ถ๐—ป๐˜๐˜‚๐—น๐˜‚๐˜๐—ฎ๐—ป ๐—ฎ๐—ป๐—ด ๐—ฃ๐—ฎ๐—ด๐—ด๐—ฎ๐—บ๐—ถ๐˜ ๐—ป๐—ด ๐—–๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜ ๐—–๐—ฎ๐—ฟ๐—ฑ ๐—ป๐—ด ๐—œ๐—ฏ๐—ฎ ๐—ป๐—ฎ ๐—บ๐—ฎ๐˜† ๐——๐—ฎ๐—ด๐—ฑ๐—ฎ๐—ด ๐—ป๐—ฎ ๐—•๐—ฎ๐˜†๐—ฎ๐—ฑ

Ang Bangsamoro Darul-Ifta' ay naglabas ng Fatwa hinggil sa paggamit ng credit card ng ibang tao kapalit ng ipinagpalibang dagdag na bayad. Ayon sa kanilang pag-aaral, ang ganitong kasunduan ay hindi isang wastong bentahan kundi isang uri ng pautang, kung saan ang may-ari ng card ang nagbabayad para sa iba at sinisingil ito sa hinaharap na may karagdagang halaga. Ang nasabing dagdag ay itinuturing na pakinabang mula sa pautang na kabilang sa ipinagbabawal na riba sa ilalim ng batas ng Shariโ€™ah.

Ipinaliwanag din sa Fatwa na ang ganitong transaksyon ay hindi pinahihintulutan dahil ito ay may elementong riba al-nasฤซโ€™ah (interes dahil sa pagpapaliban) at hindi natutugunan ang mga kondisyon ng isang wastong bentahan. Gayunpaman, may mga pinahihintulutang alternatibo tulad ng murabaha (hulugang bentahan na may malinaw na presyo) at wakala (ahensiya o pagiging tagapamagitan) na walang kasamang interes. Sa pamamagitan nito, hinihikayat ang komunidad na sumunod sa mga transaksyong naaayon sa Shariโ€™ah upang mapanatili ang katarungan at maiwasan ang ipinagbabawal.

https://drive.google.com/drive/folders/1NtN80zzTUXgJjQsLXmbTIG8WCRR0DxsW?usp=sharing

๐—ช๐—˜๐—•๐—œ๐—ก๐—”๐—ฅ ๐—”๐—Ÿ๐—˜๐—ฅ๐—ง: ๐—ก๐—”๐—ฉ๐—œ๐—š๐—”๐—ง๐—œ๐—ก๐—š ๐—œ๐—ฆ๐—Ÿ๐—”๐— ๐—œ๐—– ๐—–๐—ข๐— ๐— ๐—˜๐—ฅ๐—–๐—œ๐—”๐—Ÿ ๐—Ÿ๐—”๐—ชโ€‹We are honored to invite you to the ๐Ÿ‘๐ซ๐ ๐ˆ๐๐… ๐Ž๐ง๐ฅ๐ข๐ง๐ž ๐–๐ž๐›๐ข๐ง๐š๐ซ, where we di...
28/04/2026

๐—ช๐—˜๐—•๐—œ๐—ก๐—”๐—ฅ ๐—”๐—Ÿ๐—˜๐—ฅ๐—ง: ๐—ก๐—”๐—ฉ๐—œ๐—š๐—”๐—ง๐—œ๐—ก๐—š ๐—œ๐—ฆ๐—Ÿ๐—”๐— ๐—œ๐—– ๐—–๐—ข๐— ๐— ๐—˜๐—ฅ๐—–๐—œ๐—”๐—Ÿ ๐—Ÿ๐—”๐—ช

โ€‹We are honored to invite you to the ๐Ÿ‘๐ซ๐ ๐ˆ๐๐… ๐Ž๐ง๐ฅ๐ข๐ง๐ž ๐–๐ž๐›๐ข๐ง๐š๐ซ, where we dive deep into the core principles that govern modern Islamic finance.
โ€‹
Joining us all the way from ๐’๐š๐ค๐š๐ซ๐ฒ๐š ๐”๐ง๐ข๐ฏ๐ž๐ซ๐ฌ๐ข๐ญ๐ฒ, ๐“๐ฎ๐ซ๐ค๐ข๐ฒ๐ž, we welcome our esteemed Guest Lecturer, ๐—ฆ๐—ถ๐—ฟ ๐—œ๐˜‡๐—ฟ๐—ฎ ๐—•๐—ฒ๐—ฟ๐—ฎ๐—ธ๐—ผ๐—ป, ๐— .๐—ฆ๐—ฐ., to discuss the ๐—™๐—ผ๐˜‚๐—ป๐—ฑ๐—ฎ๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐—ผ๐—ณ ๐—œ๐˜€๐—น๐—ฎ๐—บ๐—ถ๐—ฐ ๐—–๐—ผ๐—บ๐—บ๐—ฒ๐—ฟ๐—ฐ๐—ถ๐—ฎ๐—น ๐—Ÿ๐—ฎ๐˜„ (๐—™๐—ถ๐—พ๐—ต ๐—”๐—น-๐— ๐˜‚'๐—ฎ๐—บ๐—ฎ๐—น๐—ฎ๐˜) ๐—ฎ๐—ป๐—ฑ ๐—œ๐˜๐˜€ ๐—–๐—ผ๐—ป๐˜๐—ฟ๐—ฎ๐—ฐ๐˜๐˜€.

โ€‹Whether you are a student, a professional, or simply curious about Shari'ah-compliant economic frameworks, this session will provide invaluable global insights directly from an expert in the field.

โ€‹๐Ÿ—“ SAVE THE DATE: May 03, 2026
โฐ TIME: โ€‹8:00 AM (Turkiye Time) ๐Ÿ‡น๐Ÿ‡ท
โ€‹1:00 PM (Philippine Time) ๐Ÿ‡ต๐Ÿ‡ญ

โ€‹๐Ÿ“ PLATFORM: Join us via Google Meet

๐Ÿ”— JOINING LINK: https://meet.google.com/bjb-tefc-rjb
Or dial: โ€ช(US) +1 318-565-6563โ€ฌ PIN: โ€ช626 174 086โ€ฌ #

โ€‹Don't miss this opportunity to expand your horizons and strengthen your understanding of the Islamic banking landscape. See you!

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๐—ง๐—ต๐—ฒ ๐—ณ๐˜‚๐˜๐˜‚๐—ฟ๐—ฒ ๐—ผ๐—ณ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ถ๐˜€๐—ป'๐˜ ๐—ท๐˜‚๐˜€๐˜ ๐—ฑ๐—ถ๐—ด๐—ถ๐˜๐—ฎ๐—นโ€”๐—ถ๐˜โ€™๐˜€ ๐—ฒ๐˜๐—ต๐—ถ๐—ฐ๐—ฎ๐—น.Alhamdulillah. On April 26, the ๐™Ž๐™ค๐™˜๐™ž๐™š๐™ฉ๐™ฎ ๐™ค๐™› ๐™„๐™จ๐™ก๐™–๐™ข๐™ž๐™˜ ๐˜ฝ๐™–๐™ฃ๐™ ๐™ž๐™ฃ๐™œ ๐™–๐™ฃ๐™™ ๐™๐™ž๐™ฃ...
28/04/2026

๐—ง๐—ต๐—ฒ ๐—ณ๐˜‚๐˜๐˜‚๐—ฟ๐—ฒ ๐—ผ๐—ณ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ถ๐˜€๐—ป'๐˜ ๐—ท๐˜‚๐˜€๐˜ ๐—ฑ๐—ถ๐—ด๐—ถ๐˜๐—ฎ๐—นโ€”๐—ถ๐˜โ€™๐˜€ ๐—ฒ๐˜๐—ต๐—ถ๐—ฐ๐—ฎ๐—น.

Alhamdulillah. On April 26, the ๐™Ž๐™ค๐™˜๐™ž๐™š๐™ฉ๐™ฎ ๐™ค๐™› ๐™„๐™จ๐™ก๐™–๐™ข๐™ž๐™˜ ๐˜ฝ๐™–๐™ฃ๐™ ๐™ž๐™ฃ๐™œ ๐™–๐™ฃ๐™™ ๐™๐™ž๐™ฃ๐™–๐™ฃ๐™˜๐™š ๐™Ž๐™ฉ๐™ช๐™™๐™š๐™ฃ๐™ฉ๐™จ (๐™Ž๐™„๐˜ฝ๐™๐™Ž) gathered a powerhouse of experts at the Al Farouqi Assembly Hall (KFCIAAS) to tackle the theme: โ€œ๐ˆ๐ฌ๐ฅ๐š๐ฆ๐ข๐œ ๐๐š๐ง๐ค๐ข๐ง๐  ๐š๐ง๐ ๐…๐ข๐ง๐š๐ง๐œ๐ž: ๐๐ž๐ญ๐ฐ๐ž๐ž๐ง ๐ˆ๐๐ž๐š๐ฅ๐ฌ, ๐ˆ๐ง๐ฌ๐ญ๐ข๐ญ๐ฎ๐ญ๐ข๐จ๐ง๐ฌ, ๐š๐ง๐ ๐๐ซ๐š๐œ๐ญ๐ข๐œ๐ž๐ฌ.โ€

โ€‹๐˜’๐˜ฆ๐˜บ ๐˜›๐˜ข๐˜ฌ๐˜ฆ๐˜ข๐˜ธ๐˜ข๐˜บ๐˜ด ๐˜ง๐˜ณ๐˜ฐ๐˜ฎ ๐˜ฐ๐˜ถ๐˜ณ ๐˜š๐˜ฑ๐˜ฆ๐˜ข๐˜ฌ๐˜ฆ๐˜ณ๐˜ด:

โ€‹Bridging Innovation & Tradition: ๐—ฆ๐—ต๐—ฒ๐—ถ๐—ธ๐—ต ๐— ๐—ผ๐—ต๐—ฎ๐—บ๐—บ๐—ฎ๐—ฑ ๐—™๐—ฎ๐—ฟ๐—ผ๐—ธ ๐—ฆ๐—ฎ๐—ฎ๐—ฑ๐—ผ๐—ฑ๐—ถ๐—ป explored the intersection of Islamic finance and the technological revolution. He highlighted the potential of blockchain to boost transparency but reminded us that tools like cryptocurrency must undergo rigorous Shariah evaluation. Efficiency is great, but compliance is non-negotiable.

โ€‹The Blueprint for Ethical Business: ๐—ฆ๐—ต๐—ฒ๐—ถ๐—ธ๐—ต ๐—›๐—ถ๐˜€๐—ต๐—ฎ๐—บ ๐—ฃ. ๐— ๐—ฎ๐˜€๐—ฎ๐—ฐ๐—ฎ๐—น broke down the pillars of Islamic Commercial Law. While transactions are generally permissible, he reminded us of the "red lines": avoiding harm (darar), injustice (zulm), riba, and excessive uncertainty (gharar). True wealth is defined by what is lawfully owned and ethically utilized.

โ€‹A Call for Integrity: Guest participant Dr. Leonilo Go Paulin Jr. capped off the day with deep insights from his career as a Shariโ€™a lawyer and halal advocate. He challenged the next generation of practitioners to lead with justice and integrity as the financial landscape continues to shift.

โ€‹๐—ง๐—ต๐—ฒ ๐—•๐—ผ๐˜๐˜๐—ผ๐—บ ๐—Ÿ๐—ถ๐—ป๐—ฒ

โ€‹Innovation without principle is a gamble. As we move toward a more tech-heavy financial sector, the values of transparency and accountability remain our strongest assets.

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๐™๐™๐™€๐™‡๐™„๐™‰๐™‚ ๐™๐™ƒ๐™€ ๐˜ฟ๐™„๐˜ผ๐™‡๐™Š๐™‚๐™๐™€ | ๐Ÿฎ๐—ก๐—— ๐—œ๐—•๐—™ ๐—ฃ๐—”๐—ก๐—˜๐—Ÿ ๐——๐—œ๐—ฆ๐—–๐—จ๐—ฆ๐—ฆ๐—œ๐—ข๐—ก ๐—ค๐—จ๐—˜๐—ฆ๐—ง๐—œ๐—ข๐—ก ๐—•๐—ข๐—ซAssalamualaikum Warahmatullahi Wabarakatuh.โ€‹Knowledge is a j...
20/04/2026

๐™๐™๐™€๐™‡๐™„๐™‰๐™‚ ๐™๐™ƒ๐™€ ๐˜ฟ๐™„๐˜ผ๐™‡๐™Š๐™‚๐™๐™€ | ๐Ÿฎ๐—ก๐—— ๐—œ๐—•๐—™ ๐—ฃ๐—”๐—ก๐—˜๐—Ÿ ๐——๐—œ๐—ฆ๐—–๐—จ๐—ฆ๐—ฆ๐—œ๐—ข๐—ก ๐—ค๐—จ๐—˜๐—ฆ๐—ง๐—œ๐—ข๐—ก ๐—•๐—ข๐—ซ

Assalamualaikum Warahmatullahi Wabarakatuh.

โ€‹Knowledge is a journey best shared. As we prepare for our 2nd Islamic Banking and Finance Panel Discussion, we want to ensure the dialogue reflects the real-world curiosities of our community.

โ€‹Even if you aren't able to join us in person due to our limited seating, we believe your voice should still be part of the discussion. We are officially opening our digital "Question Box" to everyone!

โ€‹Our panelists will be diving deep into:

๐ˆ๐ฌ๐ฅ๐š๐ฆ๐ข๐œ ๐…๐ข๐ง๐š๐ง๐œ๐ž ๐Ÿ’.๐ŸŽ: ๐๐š๐ฏ๐ข๐ ๐š๐ญ๐ข๐ง๐  ๐ƒ๐ข๐ฌ๐ซ๐ฎ๐ฉ๐ญ๐ข๐จ๐ง ๐š๐ง๐ ๐ˆ๐ง๐ง๐จ๐ฏ๐š๐ญ๐ข๐จ๐ง and
๐ˆ๐ฌ๐ฅ๐š๐ฆ๐ข๐œ ๐‚๐จ๐ฆ๐ฆ๐ž๐ซ๐œ๐ข๐š๐ฅ ๐‹๐š๐ฐ ๐ข๐ง ๐Œ๐จ๐๐ž๐ซ๐ง ๐๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐๐ซ๐š๐œ๐ญ๐ข๐œ๐ž๐ฌ

โ€‹What are you curious about? What challenges do you see in the industry? Use the link below to submit your questions, and we will do our best to address them during the session.

โ€‹Submit your questions here: https://forms.gle/N8Fe7zLogAWjovEx5
Deadline for submissions: April 23 (Thursday)

โ€‹Together, letโ€™s explore the balance between ideals, institutions, and practices. โ€‹See you at the panel discussion, In Shaa Allah.

๐—˜๐—ฌ๐—˜๐—ฆ ๐—›๐—˜๐—ฅ๐—˜ | ๐Ÿฎ๐—ป๐—ฑ ๐—œ๐—•๐—™ ๐—ฃ๐—”๐—ก๐—˜๐—Ÿ ๐——๐—œ๐—ฆ๐—–๐—จ๐—ฆ๐—ฆ๐—œ๐—ข๐—กAs the global financial landscape evolves, staying grounded in the core values of Sh...
19/04/2026

๐—˜๐—ฌ๐—˜๐—ฆ ๐—›๐—˜๐—ฅ๐—˜ | ๐Ÿฎ๐—ป๐—ฑ ๐—œ๐—•๐—™ ๐—ฃ๐—”๐—ก๐—˜๐—Ÿ ๐——๐—œ๐—ฆ๐—–๐—จ๐—ฆ๐—ฆ๐—œ๐—ข๐—ก

As the global financial landscape evolves, staying grounded in the core values of Shariโ€™ah while navigating modern innovation is more crucial than ever. The ๐™Ž๐™ค๐™˜๐™ž๐™š๐™ฉ๐™ฎ ๐™ค๐™› ๐™„๐™จ๐™ก๐™–๐™ข๐™ž๐™˜ ๐˜ฝ๐™–๐™ฃ๐™ ๐™ž๐™ฃ๐™œ ๐™–๐™ฃ๐™™ ๐™๐™ž๐™ฃ๐™–๐™ฃ๐™˜๐™š ๐™Ž๐™ฉ๐™ช๐™™๐™š๐™ฃ๐™ฉ๐™จ (๐™Ž๐™„๐˜ฝ๐™๐™Ž) is proud to present a deep dive into the future of our industry.
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Join us for an afternoon of intellectual discourse as we explore the complexities and advancements of Islamic finance in a rapidly changing world.

๐™€๐™‘๐™€๐™‰๐™ ๐˜ฟ๐™€๐™๐˜ผ๐™„๐™‡๐™Ž

Theme: ๐ˆ๐ฌ๐ฅ๐š๐ฆ๐ข๐œ ๐๐š๐ง๐ค๐ข๐ง๐  ๐š๐ง๐ ๐…๐ข๐ง๐š๐ง๐œ๐ž: ๐๐ž๐ญ๐ฐ๐ž๐ž๐ง ๐ˆ๐๐ž๐š๐ฅ๐ฌ, ๐ˆ๐ง๐ฌ๐ญ๐ข๐ญ๐ฎ๐ญ๐ข๐จ๐ง๐ฌ, ๐š๐ง๐ ๐๐ซ๐š๐œ๐ญ๐ข๐œ๐ž๐ฌ
Date: ๐€๐ฉ๐ซ๐ข๐ฅ ๐Ÿ๐Ÿ”, ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ” (๐’๐ฎ๐ง๐๐š๐ฒ)
Time: ๐Ÿ:๐ŸŽ๐ŸŽ ๐๐Œ โ€“ ๐Ÿ’:๐ŸŽ๐ŸŽ ๐๐Œ
Venue: ๐€๐ฅ ๐…๐š๐ซ๐จ๐ฎ๐ช๐ข ๐€๐ฌ๐ฌ๐ž๐ฆ๐›๐ฅ๐ฒ ๐‡๐š๐ฅ๐ฅ, ๐Š๐…๐‚๐ˆ๐€๐€๐’
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โ€‹๐™ˆ๐™€๐™€๐™ ๐™Š๐™๐™ ๐™€๐™Ž๐™๐™€๐™€๐™ˆ๐™€๐˜ฟ ๐™‹๐˜ผ๐™‰๐™€๐™‡๐™„๐™Ž๐™๐™Ž
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We are honored to be joined by distinguished experts who will lead the conversation on modern business and technological disruption:

๐’๐ก๐ž๐ข๐ค๐ก ๐Œ๐จ๐ก๐š๐ฆ๐ฆ๐š๐ ๐…๐š๐ซ๐จ๐ค ๐’๐š๐š๐๐จ๐๐ข๐ง, ๐Œ๐’๐‚
Topic: Islamic Finance 4.0: Navigating Disruption and Innovation

๐’๐ก๐ž๐ข๐ค๐ก ๐‡๐ข๐ฌ๐ก๐š๐ฆ ๐. ๐Œ๐š๐ฌ๐š๐œ๐š๐ฅ, ๐’๐‚๐‹
Topic: Islamic Commercial Law in Modern Business Practices: Principles, Applications, and Challenges

๐™๐™€๐™‚๐™„๐™Ž๐™๐™๐˜ผ๐™๐™„๐™Š๐™‰ ๐™๐™Š๐™ ๐™‰๐™Š๐™‰-๐™„๐˜ฝ๐™ ๐™‹๐˜ผ๐™๐™๐™„๐˜พ๐™„๐™‹๐˜ผ๐™‰๐™๐™Ž

โ€‹While this event is primarily reserved for IBF students, we are opening a limited number of slots for guest participants.

โ€ข โ€‹Available Slots: 15 only
โ€ข โ€‹How to Register: Secure your spot by filling out the official registration form here: https://forms.gle/nhdYxdEEhfuoyQrX6

To ensure a productive and professional environment for all attendees, we kindly ask everyone to observe the event protocols.
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Note: Please refer to the last page of this post for the full list of reminders and guidance regarding attendance, dress code, and venue conduct.

โ€‹Don't miss this opportunity to expand your knowledge and engage with leaders in the field. We look forward to seeing you there! In Shaa Allah!

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