العقود التمويلية المعاصرة في الفقه الإسلامي دراسة تأصيلية الباحث نورسام مالوب أمبيل

In this concise research, I aimed to clarify its legal rulings, adopting a descriptive, analytical, and comparative methodology (by reviewing juristic definitions, presenting opinions, schools of thought, and evidence, along with discussion and weighting). Research Structure: The research was divided into an introduction, three sections, and a conclusion: Section One: Murabaha to the Purchase Orderer. Section Two: Istisna' Contract. Section Three: Credit Cards. Key Findings of the Research: 1-Murabaha to the Purchase Orderer: Permissible if the promise is non-binding or binding on one party only. The research also favored the permissibility of a mutually binding promise because it does not constitute a complete contract, but rather an obligation to conclude one, with the goods remaining under the seller's liability. 2-Istisna' Contract: Permissible as an independent contract due to public need, with the validity of applying "Parallel Istisna'" in Islamic banks according to Sharia guidelines. 3-Credit Cards: a. Permissibility of using debit/charge cards (deferred payment) provided they are free from usurious late-payment penalty conditions, and that cash withdrawal fees equal the actual cost of the service. b. Prohibition of revolving credit cards due to their incorporation of usurious increase conditions upon delayed repayment or installment options. Keywords: Contemporary financing contracts study.

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