Timothy Carlson
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Shariah Advisory Council (SAC) of Bank Negara Malaysia at its 194th and 195th Meeting resolved that Al-Rahnu product structure offered by Islamic financial institutions (IFIs) through the combination of qard (loan), Al-Rahnu (pledge), wadi`ah (safekeeping) and ujrah (fee) does not fulfil the Shariah requirements in Rahnu Policy Document (BNM. 2019).
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