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A short course of lectures
«The art of RF (riba-free) Islamic banking and finance»





Purpose of the ActComparing RF Banking and Conventional Riba-Based Banking: What Is the Difference?What Is Money?Money and Its Creation: The U.S. Federal Reserve System (Central Banks) and Interest RatesSteps for Implementing the ModelThe Al-Baraka Shari'aa-Compliant ModelTraining and Oversight ResponsibilitiesMoney Management (Mudaraba)Cost-Plus (Murabaha)Riba al-FadlSupplementary RF Finance Definitions and Principles Pertaining to Sukuk TradingReligious LeadersCases Litigated in the U.K. CourtsRegulation Q: Prohibition against Payment of Interest on Certain Deposit Account TypesELEMENTS OF THE RF ECONOMIC SYSTEMFinancing Future Production (Ba'i ul Salam)Civility and Social Responsibility of the RF Ranking SystemMisnomers in RF BankingRF Bonds: Sukuk (RF Asset-Based Income Instruments that Replace Riba-Based Bonds)RF (Asset-Based) Bonds—SukukFinancial Engineering and the Law (Shari'aa)VALUATION OF BONDS: BOND BATING AND BATING AGENCIESReason for ProhibitionRF Banking: A New Banking Brand for the Twenty-Hrst CenturyStructure of the Federal Reserve Board (America's Central Bank)RIBA-FREE BUSINESS TRANSACTION MODELSMAKING HISTORY: ACQUIRING THE BANK OF WHITTIER, NAShort-Term InvestmentsBankruptcy LawsRegulation ВВ: Community Reinvestment Act (CRA)THE DEVELOPMENT OF RF SCHOLARS AND COMPLIANCE COMMITTEES FOR RF FINANCE INSTITUTIONS IN THE TWENTY-FIRST CENTURYThe Unique Features of the LARIBA Shari'aa-Based RF Finance ModelOrganizational StructureSetting the Market Price of Gold: Gold Price FixingConstruction FinancingBANKING AND INVESTMENT BANKINGApplication of the RF Law Using the RF Commodity Indexation DisciplineTHE RF LIFESTYLEInternal ControlsCompliance CommitteePoliticiansGOLD: THAT AMAZING METALThe Office of the Comptroller of the CurrencyInsurance of Bank Deposits by the Federal Deposit Insurance Corporation (FDIC)Equity Investments According to the RF DisciplineThe Approach Used to Develop the Art of Islamic RF BankingThe Law: The Judeo-Christian-Islamic Shari'aaThe Development of the Universal RF System in IslamFinancial PerformanceStrategies Designed and Steps Implemented by the New ManagementSources of Shari'aaPrivate Direct InvestmentTHE VISION OF AN IDEAL FAITH-BASED JUDEO-CHRISTIAN-ISLAMIC SOCIETYOVERDRAFT PROTECTION FOR HOLDERS OF CHECKING ACCOONTSPolicies and ProceduresAutomobile and Equipment LeasingConstruction Financing Lines of CreditAmerican Currency before the Federal Reserve SystemLoans to the PoorAttorneysAPPLICATION OF THE MODELThe RF Management EthicsApplication of the South Asian Shapi'aa-Compliant ModelVALUES AND BUSINESS ETHICS OF THE RF BANKER Credit UnionsLending to the PoopThe LARIBA AgreementRF Banking Consumers and Potential UsersState BanksAcknowledgmentsTHE FEDERAL RESERVE HOARD OF THE UNITED STATES OF AMERICA,NEW TRENDS THAT CAPTURED THE IMAGINATION OF THE PAGANS OF THE ARADIAN PENINSULA — LESSONS TO LfARNfflOMRegulation Z: Truth in Lending Act (TILA)ISLAM: THE ADDITIONAL AND CLOSING LINK IN THE CHAIN OF JUDAISM AND CHRISTIANITYThe LARIBA RF Finance Model,Putting the RF Finance Movement and Discipline Together: A Step-by-Step Application of the RF Finance ProcedureFair Lending PolicyThe Role of the Shari'aa BoardOur Strategic Approach to Restructure the Bank of WhittierBoard of Directors and Management Supervision and AdministrationThe Bank Restructuring and Workout Plan: Turning the Bank AroundMortgage Finance Servicing PolicyBOX 8.2 ООС REQUEST LETTER: FROM THE ООС OFFICE TO THE BANK'S PRESIDENTInvestment BanksCompliance ProgramThe RF Market SystemRegulation C: Home Mortgage Disclosure Act (HMDA)Riba BankersFormulating the Financing According to Shari'aaCOURT CHALLENGES TO THE SHARI'AA-COMPLIANT "CONTRACT FITTING" USED RY SOME ISLAMIC FINANCE APPROACHESBusiness FinanceTHE PROHIBITION OF CHARGING OF RIBIT/RIBA CINTEREST/USURY) IN ISLAMMonetarists,,,Documentation of RF Financing for U.S. ComplianceThe Conventional Riba-Based Banking SystemTowards an RF Monetary Discipline: The RF Commodity Indexation DisciplineThe U.S. Dollar's Role as an International Reserve Currency and the Developing Nations (Also Called Less Developed Nations)Leasing (ljara) RulesSpecific Action Plan and Steps Taken by Bank ManagementReal and Nominal Interest RateLending to Non-Jews with InterestBUILDING THE SHARI'AA-BASED LARIBA RF FINANCE MODELSources of Funds Used in RF FinancingCommercial BuildingsPrice of CoalTHE PROHIBITION OF RIBA/RIBITToward an RF Monetary Theory and DisciplineLending tn the PoorJoint Venture (Musharaka) Direct Investment/Equity Ownership or PartnershipThe Needy (Miskeen) FundThe Unique Features of the LARIBA SharFaa-Based ModelApplication Processing and Evaluation and Loan Application Second Review ProcessA BRIEF HISTORY OF THE BRETTON WOODS AGREEMENTBusiness FinancingTHE JUDEO-CHRISTIAN-ISLAMIC VALUES: CIVILITY, MORALITY, AND SOCIAL RESPONSIBILITYWorking Capital RF Lines of CreditHomes in America,Starting an RF Bank in the United States: Acquiring and Restructuring a Troubled Bank and Operating It Riba-FreeCredit Creation in the Modern Banking System — The Money Multiplier ConceptLicensing a Commercial Bank in the United StatesParticipants in the Development of Modern RF BankingTHE JUDAIC POSITION ON THE CHARGING OF RIBIT (INTEREST): MONEY, LENDING, AND INTEREST IN THE TORAH AND THE JEWISH TRADITIONTHE CHALLENGE OF FINANCING NEW BUSINESSES AND GROWING EXISTING BUSINESSRegulations P and SMAJOR OBJECTIONS OF RF SHARI'AA SCHOLARS TO THE CONVENTIONAL RIBA-BASED FINANCE CONTRACTThe Way of Life (Sunnah) of the ProphetThe OCC's ObjectivesThe People of the FaithSharfria ScholarsBOX 8.1 A SAMPLE PRIVACY LETTER SENT TO ALL CUSTOMERS AT LEAST ONCE A YEARDeveloping the Art of RF (Islamic) Banking and FinanceThe Fiat Money EconomyDuties, Responsibilities, Authorities, and Accountability of the Compliance CommitteeRF Credits (Loans) in Contrast to Types of Riba-Based LoansProfessionalismPrice of RiceGeneral Policy StatementLending to the EnemyMortgagesCalculation of the Economic Viability and Prudence of the InvestmentRF Banking Model for the Twenty-First Century: The LARIBA RF Model: Developing the Shari'aa-Based Finance ModelTHE RESULTSConsumptionHome Equity Line of Credit (HELOC)Professionals Who Serve and/or Benefit from the New Islamic Banking IndustryThe Velocity of Money Concept and the Riba-Based Monetary Principles Legal and Financial CategoriesTHE 10 GOLDEN COVENANTS OF THE RF BANKERMunicipal BondsDenial Reasons and Other DataThe Fed Fund Interest Rates Setting Regime: The Taylor Rule,,,The Lease-to-Own Models (Al-ljanah Wal Iqtina or Al-ljanah Wal Tamaluk)THE RF JUDEO-CHRISTIAN-ISLAMIC SYSTEM AND DUSINESS ETHICSRF (ISLAMIC) BANKING MODELSMonthly BillingTHOSE WHO "MAKE" MONEY AND OTHERS WHO "EARN" MONEYThe Meaning of Establishing a LienFair Lending TrainingDistributionConcentrationAcademics and University Professors of Economics and FinanceAdvertisingRF ASSET-BACKED BONDS CSUKUK)Duties of the Shari'aa Board at the RF BankCash and Cash EquivalentsConsistencyThe Qur'aanProductionTHE CHARGING OF RIBIT (INTEREST) IN THE TRADITION AND TEACHINGS OF THE EVANGELICAL CHRISTIAN CHURCHThe MUIS Waqf Sukuk: RF Asset-Based Bonds Used to Unlock the Value of Real Estate TrustsCommunity LeadersLiquidity of BondsFixed-Income Debt Instruments in the Form of Riba-Based BondsDEVELOPMENT OF THE MARK-TO-THE-MARKET RULEDeveloping the Institution of Giving (Zakah) as a Required Islamic Ritual (Like Prayers)Normalization of Various Stock Market Indexes Using the Commodity Indexation DisciplineBank Examination fop Safety and Soundness by Bank RegulatorsTrading of SukukPerforming Scholarly Research to Develop and Pass Religious Edicts and Rulings: The Process of Issuing a Fatwa (An Edict)LoansReporting RequirementsFiat (Paper) MoneyVisions for the Future of RF BankingTHE SHARI'AA LAW AND THE LAWS OF THE LANDRF Capital Markets: Developing the RF Capital Market Investment ProductsTRADING OF SUKUK ON SECONDARY MARKETSApplications and Information GatheringANALYSIS OF PRICES OF HOMES, COMMODITIES, AND STOCK MARKETS IN THE ONITED STATES USING THE COMMODITY INDEXATION DISCIPLINEOrganizers for Seminars, Industry Group Conferences, and Training ProgramsRequirements of the Judeo-Christian-lslamic Shari'aa Law in the Issuance of SukukNOTESHome Equity LoanTHE CULTURE UF RENTING MUNEY WITH RIBIT/RIBAThe Concept of God Owning EverythingUsury/lnterestTHE BANKING SYSTEM OF THE UNITED STATESGovernment OP Sovereign BondsTHE MEGA-BANKS AND FINANCIAL INSTITUTIONSPrice of Natural GasUnsecured LoansBonds' Pricing in the Secondary MarketSOME ADVICE FOR THE NEWCOMERS TO THE RF LIFESTYLEGUIDELINES FOR RF INVESTING IN THE STOCK MARKETTHE PUZZLE AND THE CHALLENGE OF DEVELOPING RF RANKING AND FINANCINGApproaches Used to Appoint Shari'aa BoardsRegulation B: Equal Credit OpportunityLARIBA'S MISSION AND BACKGROUNDImpact of Variation in Market Interest Rate Environment on Bond Market ValueAudit Response by ManagementThe MediaRecord RetentionTYPES OF BANKING SERVICES IN THE UNITED STATESNonprofit and Religious Centers and School FinancingBusiness Financing and Relaxation of the Rules of Prohibiting the Charge of InterestRF Investment Discipline in StocksThe Development of a Religious Real Estate Trust RF Bond (Waqf Sukuk)A Historic Review of the Definition of Money and Monetary Discipline According to the Judeo-Christian-lslamic Shari'aa Law by Many RF Scholars Appraising the Property or the BusinessGOVERNMENT SUPERVISION OF THE RANKThe ProcessCase Studies: Developing the RF Banking Investment ProductsThe RF Approach to Handling Troubled and Nonperforming: Credits (Loans)Regulation 0: Loans to Bank insidersRiba al-JahiliyahConsumer Compliance ManagementThe Cost-Plus (Murabaha) ModelThe Law (Shari'aa) Prohibits Deceptive and Speculative Activities in Business Transactions (Gharar)A PROPOSED BEGINNING OF A NEW ERA THAT OSES THE RF MONETARY DISCIPLINETHE CHARGING OF MBIT (INTEREST) IN THE ROMAN CATHOLIC TRADITION: THEN AND NOWNational BanksTHE CYCLICAL NATURE OF THE FIAT MONEY ECONOMYThe Structuring of the Singapore MUIS Waqf SukukTHE INVESTMENT PYRAMIDThe RF Legal Foundation on LeasingThe History of Gold Markets and PricesPrice of Crude OilAbout the Book CoverRegulation DD: Truth in Savings ActCASE STUDIESBehavioral Guidelines and the Discipline of GivingDisclosureThe Lifestyle of the Judeo-Chnistian-lslamic Value SystemPreface: My Story with RF (Islamic) Banking and Finance in AmericaThe South Asian Diminishing Musharaka Shani'aa-Compliant ModelWhat Is RF (Islamic) Banking?TrainingThe Faith-Based Judeo-Christian- Islamic Foundation of the Prohibition of Interest and the RF (Riba-Free) Banking SystemFunction of the Federal ReserveLoan Documentation Philosophy and ApproachTHE 2008 GLOBAL ECONOMIC AND FINANCIAL MELTDOWNCommitmentLOOKING FOR A SUITABLE BANK TO ACQUIREThe Central Bank and the Regulatory Shari'aa Compliance CommitteeRIBA-BASED CONVENTIONAL FINANCING VERSUS RF FINANCINGPosition of the Catholic Church on Usury (Interest) from Riba Bonds and the Church's Changing Position over limeTHE LAW: SHARI'AAResolutions Taken by "Islamic" Banks to Avoid Lengthy TrialsAnti-Money Laundering (AML) ProgramLINES OF CREDITBallooning LoansThe Stages Used to Implement the Shari'aa-Based LARIBA Model of FinancingTHE SHARI'AA BOARD IN AN RF (ISLAMIC) BANK OR FINANCE COMPANYPreface to the Second EditionDevelopment of an RF Monetary System to Develop a Fair RF Pricing DisciplineProcessAsset QualityThe Ultimate Intent and Goals of the Law (Shani'aa): Maqasid Al Shari'aaEngagement Letter for External AuditorsBusiness FinancingFair Credit Reporting ActTypes of RibaTHE STAFF AND EMPLOYEE POLICYRESOLVING THE PROBLEM OF NONPERFORMING CREDITS (LOANS)U.S. BANKING REGULATIONSBank RegulatorsOCC FundingTHE RF BANKING BRAND: HISTORY, DEVELOPMENT, AND STAGES OF GROWTHGold Reserves in the WorldThe Algorithm and Computer ProgramGuidelines for RF Investing in the Stock MarketRegulation D: Reserve Requirements for Depository Institutions (Banks)Government Monitoring ProgramREVIEW QUESTIONSReverse MortgagesThe History of MoneyJustice and Fairness on Both Sides: The RF Bank and the CustomerThe RF Valuation Disciplines of Commodity Indexation and Marking to the MarketRF Mortgage-Backed Sukuk SecuritiesOPERATING THE FIRST RF BANK IN THE UNITED STATESCorporate BondsServicing the Hnancing Facility — The LoanCredit ExtensionPosition of the Contemporary Roman Catholic Church on Allowing the Charging of InterestTHE RF BANKING DISCIPLINE: WHERE DO WE START AND HOW DO WE REALIZE THE DREAM?REVIEW QUESTIONSWho Owns the Federal Reserve Bank?AN OVERVIEW OF RF RANKINGRF (Islamic) Banking in the Twentieth CenturyTHE AUDIT POLICYThe Science and Foundation of Scholarly Research, or "Usui Ul Fiqh"FatwaLocal Community Religious Leaders or ImamsConcerns of Western Central Bankers and Bank Regulators Regarding Shari'aa BoardsCompliance Audit FunctionTHE RF CAPITAL MARKET AND ITS RF INSTRUMENTSNotificationPopular Thought Leaders in the Muslim WorldMuslim Puritans
 
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