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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n26xww0n.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"timeline\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A02 \u00b7 ENGAGE \u00b7 islamic-finance-and-takaful<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Banking Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Chapter \u00b7 Banking Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Islamic Finance and Takaful<\/h1><p class=\"nx-tagline\">Islamic Finance and Takaful is a chapter of Banking Nexus: a specialist sub-community with its own group, editor and research agenda. Specialist Islamic finance research requires expert stewardship; Takaful in Insurance.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/\">Back to Chapters<\/a><\/div><dl class=\"nx-facts\"><div><dt class=\"nx-eyebrow\">Publisher<\/dt><dd>The Global Risks Alliance<\/dd><\/div><div><dt class=\"nx-eyebrow\">Field<\/dt><dd>Financial stability, Capital markets and investment, Climate and hazards<\/dd><\/div><\/dl><\/div><div class=\"nx-hero-rail\"><ol class=\"nx-lv-rail\"><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/programmes\/\"><span class=\"nx-lv-rail-k\">01<\/span><span class=\"nx-lv-rail-t\">Question<\/span><span class=\"nx-lv-rail-n\">National, regional or institutional priority<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/\"><span class=\"nx-lv-rail-k\">02<\/span><span class=\"nx-lv-rail-t\">Evidence<\/span><span class=\"nx-lv-rail-n\">STEM foundation of the platform<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/foundry\/\"><span class=\"nx-lv-rail-k\">03<\/span><span class=\"nx-lv-rail-t\">Build<\/span><span class=\"nx-lv-rail-n\">Nexus Foundry<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/community\/\"><span class=\"nx-lv-rail-k\">04<\/span><span class=\"nx-lv-rail-t\">Organize<\/span><span class=\"nx-lv-rail-n\">Nexus Ecosystem<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/universe\/\"><span class=\"nx-lv-rail-k\">05<\/span><span class=\"nx-lv-rail-t\">Test<\/span><span class=\"nx-lv-rail-n\">Nexus Universe (independent site)<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/reports\/\"><span class=\"nx-lv-rail-k\">06<\/span><span class=\"nx-lv-rail-t\">Publish<\/span><span class=\"nx-lv-rail-n\">Nexus Reports<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/trust\/\"><span class=\"nx-lv-rail-k\">07<\/span><span class=\"nx-lv-rail-t\">Decide<\/span><span class=\"nx-lv-rail-n\">Competent authorities and institutions, through Nexus Rails<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/programmes\/\"><span class=\"nx-lv-rail-k\">08<\/span><span class=\"nx-lv-rail-t\">Renew<\/span><span class=\"nx-lv-rail-n\">Corrections and the next annual agenda<\/span><\/a><\/li><\/ol><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-s-3-sec\"><span>02<\/span>From enquiry to contribution<\/a><a href=\"#nx-sec-field\"><span>03<\/span>Activity and exposure in Western\u2026<\/a><a href=\"#nx-sec-the-chapter\"><span>04<\/span>What Islamic Finance and Takaful\u2026<\/a><a href=\"#nx-sec-pg-nx-gra-a02-ch-islamic\"><span>05<\/span>Prudential standards for Islamic\u2026<\/a><a href=\"#nx-sec-join\"><span>06<\/span>Take part<\/a><a href=\"#nx-sec-terms\"><span>07<\/span>Terms used on this page<\/a><a href=\"#nx-sec-pg-sources\"><span>08<\/span>Where this page's references lead<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Islamic Finance and Takaful is a chapter of Banking Nexus: a specialist sub-community with its own group, editor and research agenda. Its work starts from the cornerstone topic, Islamic banking. Islamic banking is banking under contracts and governance designed to comply with Islamic commercial law, using sale, lease and partnership instruments in place of interest-bearing loans. A chapter becomes a platform of its own only by meeting the graduation rule.<\/p><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"workflow\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/A02\/chapters\/islamic-finance-and-takaful\/#workflow\" data-nxf-title=\"Participation\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-s-3-sec\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">From enquiry to contribution.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Canvas<\/strong> \u00b7 from enquiry to contribution<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a02-chapters-islamic-finance-and-takaful--t nx-dag-a02-chapters-islamic-finance-and-takaful--d\" data-nx-z=\"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\"><title id=\"nx-dag-a02-chapters-islamic-finance-and-takaful--t\">Islamic Finance and Takaful: a working group from charter to sunset<\/title><desc id=\"nx-dag-a02-chapters-islamic-finance-and-takaful--d\">A charter sets the question and the code of conduct; members join with declared interests; a workplan produces deliverables that are reviewed and credited; the group reports and sunsets or renews. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig.<\/strong><span>The path from an enquiry to a credited contribution. Design, not a record; no step creates membership.<\/span><\/p><\/div><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Geography<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Activity and exposure in Western Europe.<\/h2><p class=\"nx-lede\">For islamic finance and takaful, in GRA's spatial-finance reading, the map opens on night lights and population density with built-up and settlement extent from NASA GIBS, framed on Western Europe; every other NASA layer, live feed and forecast waits in the layer list.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"western-europe:finance\" data-ml-src=\"finance\" data-ml-plan=\"p-3d2b78d3\"><div class=\"nx-wm\" data-nx-water=\"ctx-finance\" data-wm-domain=\"ctx-finance\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"-6,42,17,55.5\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Activity and exposure, Western Europe: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood||||\" aria-pressed=\"false\">Floods this week<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">2<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Activity and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"false\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"imerg\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"0\" data-wm-short=\"Precipitation\" data-wm-prov=\"NASA GES DISC\" data-wm-kind=\"Satellite estimate, near real time\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Precipitation rate, daily mean<\/span><span class=\"nx-wm-layer-src\">NASA GES DISC GPM IMERG \u00b7 <span data-wm-date=\"imerg\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"imerg\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ssta\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"0\" data-wm-op=\"0.85\" data-wm-short=\"Marine heat (anomaly)\" data-wm-prov=\"NASA JPL PO.DAAC\" data-wm-kind=\"Satellite analysis\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Sea surface temperature anomaly<\/span><span class=\"nx-wm-layer-src\">NASA JPL PO.DAAC GHRSST MUR25 \u00b7 <span data-wm-date=\"ssta\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ssta\" hidden><\/div><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><span class=\"nx-wm-sep\" aria-hidden=\"true\"><\/span><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"in\" aria-label=\"Zoom in\" title=\"Zoom in\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 3v10M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"out\" aria-label=\"Zoom out\" title=\"Zoom out\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"reset\" aria-label=\"Reset the view\" title=\"Reset the view\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.2 8a4.8 4.8 0 1 0 1.5-3.5M3.2 2.6v2.6h2.6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"full\" aria-label=\"Full screen\" title=\"Full screen\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 6l0-3.5 3.5 0m7.5 3.5 0-3.5-3.5 0m-7.5 7.5 0 3.5 3.5 0m7.5-3.5 0 3.5-3.5 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-menu\" id=\"nx-wm-menu\" role=\"menu\" aria-label=\"Expert tools\" hidden><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"inspect\">Inspect a point<kbd>I<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"measure\">Measure distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"compare\">Compare two dates<kbd>C<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"xt\" data-wm-xt=\"6oPh6EhWj+gDMzpLLT8H\/wVfxJakWdyAB8snze2Nado=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>For islamic finance and takaful, in GRA's spatial-finance reading, the map opens on night lights and population density with built-up and settlement extent from NASA GIBS, framed on Western Europe; every other NASA layer, live feed and forecast waits in the layer list.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date; indicators, not assessments of any place; claim ceiling INTEGRATED.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 \u00a9 OpenStreetMap contributors \u00b7 Natural Earth \u00b7 GDACS \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\" target=\"_blank\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gpm.imerg\">GPM IMERG precipitation, NASA Precipitation Processing System; distributed by the NASA Goddard Earth Sciences Data and Information Services Center (GES DISC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.podaac.ghrsst-mur\">GHRSST Level 4 MUR analyses, NASA Jet Propulsion Laboratory; distributed by the NASA Physical Oceanography DAAC (PO.DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\" target=\"_blank\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\" target=\"_blank\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li>Globe: MapLibre GL JS 6.9.1, BSD-3-Clause, \u00a9 MapLibre contributors.<\/li><li>Live: GDACS (EC JRC \/ UN OCHA) Events are indicative, not official warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>Optional layers (35 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, CC BY 4.0 \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>Precipitation rate, daily mean: GPM IMERG, NASA GES DISC \u00b7 <span data-wm-date=\"imerg\">12 Oct 2026<\/span><\/li><li>Sea surface temperature anomaly: GHRSST MUR25, NASA JPL PO.DAAC \u00b7 <span data-wm-date=\"ssta\">12 Oct 2026<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A02\/chapters\/islamic-finance-and-takaful\/#map\" data-nxf-title=\"Banking Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-the-chapter\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"band\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The chapter<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">What Islamic Finance and Takaful covers.<\/h2><\/div><div class=\"nx-section-body\" data-lv=\"timeline\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Members<\/h3><p class=\"nx-p nx-mt-1\">Specialists who work on the chapter's questions.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Group<\/h3><p class=\"nx-p nx-mt-1\">A moderated group, opened when its hosting and terms are in place.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Editor<\/h3><p class=\"nx-p nx-mt-1\">A named editor responsible for the chapter's pages.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Research agenda<\/h3><p class=\"nx-p nx-mt-1\">Questions the chapter works on, starting from <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/islamic-banking\/\">its cornerstone topic<\/a>.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"search\" data-nxf-kind=\"search\" data-nxf-resource=\"nexus:\/\/gra\/A02\/chapters\/islamic-finance-and-takaful\/#search\" data-nxf-title=\"Find a group\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-sec-pg-nx-gra-a02-ch-islamic\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Standards<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Prudential standards for Islamic banking and takaful.<\/h2><p class=\"nx-lede\">Risk-sharing contracts change how credit and market risk are borne, which matters for how hazard losses are distributed.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th>Body<\/th><th>Role<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Body\">Islamic Financial Services Board<\/td><td data-label=\"Role\">Prudential and supervisory standards, including capital adequacy and takaful solvency<\/td><\/tr><tr><td data-label=\"Body\">AAOIFI<\/td><td data-label=\"Role\">Accounting, auditing and Shariah standards<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-p\">The Islamic Finance and Takaful chapter of Banking Nexus keeps the platform boundary: it never covers lending terms, rates or credit appetite or which borrowers, sectors or regions to finance, and its evidence carries the same labels as every Banking Nexus page.<\/p><\/div><\/div><\/section><section id=\"nx-sec-join\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Join<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Take part.<\/h2><p class=\"nx-lede\">Write to <a class=\"nx-link\" href=\"mailto:contact@globalriskalliance.com?subject=Islamic%20Finance%20and%20Takaful%3A%20chapter\">contact@globalriskalliance.com<\/a>. The acknowledgement gives a reference and names the next step.<\/p><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"band\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Profit-sharing investment account<\/td><td data-label=\"Definition\">A deposit-like account whose returns and losses are shared between the bank and the account holder.<\/td><\/tr><tr><td data-label=\"Term\">Displaced commercial risk<\/td><td data-label=\"Definition\">Pressure on an Islamic bank to pay investment account holders competitive returns from its own profits.<\/td><\/tr><tr><td data-label=\"Term\">Murabaha<\/td><td data-label=\"Definition\">A cost-plus sale contract widely used for financing in Islamic banking.<\/td><\/tr><tr><td data-label=\"Term\">Chapter<\/td><td data-label=\"Definition\">In the Nexus network, a specialist sub-community inside a platform with its own group, editor and research agenda; it can become its own platform only by meeting the published graduation rule.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-pg-sources\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Where this page's references lead.<\/h2><p class=\"nx-lede\">The bodies and documents this page is read against. Status and editions change; each link goes to the issuing body.<\/p><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li><a class=\"nx-link\" href=\"https:\/\/www.ifsb.org\/\" target=\"_blank\" rel=\"noopener\">Islamic Financial Services Board standards<\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-10-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Can a chapter become its own platform?<\/summary><div class=\"nx-answer\">Yes, by meeting the ten-point graduation rule.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-11\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-11\" class=\"nx-h3 nx-mt-2\">Around Banking Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/trade-and-supply-chain-finance\/\">Trade and Supply Chain Finance <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/housing-and-property-finance\/\">Housing and Property Finance <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/financial-services-risk-management\/\">Financial Services Risk Management <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/\">Banking Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-12\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Banking Nexus<\/span><h2 id=\"nx-close-12\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Banking%20Nexus%3A%20Islamic%20Finance%20and%20Takaful\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/islamic-finance-and-takaful\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/islamic-finance-and-takaful\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Can a chapter become its own platform?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, by meeting the ten-point graduation rule.\"}}]},{\"@type\":\"DefinedTermSet\",\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/islamic-finance-and-takaful\/#terms\",\"name\":\"Key terms: Islamic Finance and Takaful\",\"inLanguage\":\"en\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/islamic-finance-and-takaful\/#webpage\"},\"hasDefinedTerm\":[{\"@type\":\"DefinedTerm\",\"name\":\"Profit-sharing investment account\",\"description\":\"A deposit-like account whose returns and losses are shared between the bank and the account holder.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/islamic-finance-and-takaful\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Displaced commercial risk\",\"description\":\"Pressure on an Islamic bank to pay investment account holders competitive returns from its own profits.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/islamic-finance-and-takaful\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Murabaha\",\"description\":\"A cost-plus sale contract widely used for financing in Islamic banking.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/islamic-finance-and-takaful\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Chapter\",\"description\":\"In the Nexus network, a specialist sub-community inside a platform with its own group, editor and research agenda; 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