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Sign up to AMAR Academy Today: https://rahmaniyyah.com/c/finance2 In this powerful lesson, Ustadh Abdulrahman Hassan breaks down the key differences between Murābaḥah and Ribā, clarifying common misconceptions and explaining how Islamic financial transactions work in both classical and modern contexts. Learn the foundational principles of trade in Islam, the rulings surrounding profit and installments, and how contemporary banking practices relate to traditional fiqh discussions. A must-watch for anyone seeking clarity on Islamic finance and real-world applications. Instagram: https://www.instagram.com/abdulrahmanhassanofficial25 Patreon: https://www.patreon.com/cw/AMARofficial Telegram: https://t.me/+c87I9vy6kqkxOWZk YouTube: https://www.youtube.com/@rahmaniyyahofficial WhatsApp: https://whatsapp.com/channel/0029VbBlpi2CHDyjG4ZI1I0g X (Formerly Twitter): https://x.com/UstAbdulrahman #abdulrahmanhassan #AlMadrasatuArRahmaniyyah #amar 0:00:00 - Introduction: installment payments and permissibility 0:22 - Two types of bay’ (sale) 1:18 - Bayul murabahah 2:24 - The old vs. modern usage of bayul murabaha 3:21 - Rulings that are connected to it 3:38 - Linguistic meaning of the word bay 5:33 - Two main types of bay: musawamah and amanah 6:22 - Musawamah: negotiation and no set price 8:23 - Details of musawamah (negotiation) 8:59 - Bayul amanah: price tag and fixed profit 9:54 - Three sub-types of bayul amanah: profit, clearance, loss 12:45 - Summary of bayul amanah types 13:26 - Musawamah vs amanah: which is better? 15:29 - Why musawamah is considered better 16:54 - Benefits of sharpening negotiation skills 19:28 - The importance of trust in amanah 20:34 - Modern-day murabaha in islamic banks 22:01 - Why banks don't use the old murabahah type 24:25 - Reasons for banks avoiding old murabaha practices 25:52 - Modern banks' approach: compounded murabahah 27:49 - Process of compounded murabahah 30:58 - Agreement and profit in compounded murabahah 32:34 - Two stages of compounded murabaha: promise & transaction 33:48 - Historical context of compounded murabahah 35:47 - Scenario 1: buying specific item on request 39:29 - Scenario 2: buying general item on request 41:22 - Installment payments and additional costs 43:00 - Permissibility of installment payments with extra cost 43:57 - The issue of binding agreements and ownership 47:09 - Solution for banks: the option to return 50:10 - Conditions and rights of both parties
