Takaful Glossary
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Term Definition
'AfwForgiveness.
 
'AhdCovenant
 
'AmalWork, Service.
 
'AmmGeneral.
 
'AqdContract.
 
'AqilahThe paternal relatives who pay the blood money. The doctrine of al-'Aqilah had been practiced among the ancient Arab tribes, in which it was an implied mutual agreement among the tribes that, if anyone is killed unintentionally by a person of a different tribe, the slainer’s paternal relative used to take the responsibility to make a mutual contribution for the purpose of paying the blood money on behalf of the slainer, to the victims' relatives. This doctrine later got recognition by the Holy Prophet (s.a.w.) in one of his judgments against a woman from the tribe of Huzail. This is a foundation doctrine based on which today’s Islamic insurance practices have been developed.
 
'IlmKnowledge.
 
'IwadConsideration.
 
'Ulamacholars, jurists, academicians. (Islamic).
 
'UmrAge.
 
'UrfCustom, usage, common practice.
 
AhkamThe plural of hukum, which means rules, provisions and laws.
 
AmanahTrust.
 
AnsarThe helpers, the people of Madinah who welcomed the Holy Prophet (s.a.w.) and his companions who migrated from Makkah and other places to the city of Madinah.
 
AslOrigin.
 
AyatA verse of the Holy Qur'an.
 
BadrA place near to the coast about 95 miles to the south of Madinah, where in the second year of Hijrah calendar, the first battle took place between the Muslims and the non believers.
 
Baitul malTreasury.
 
BalighPerson who has attained the age of puberty.
 
BaniThe tribe or clan.
 
BatilVoid, falsehood, nullity.
 
BaySale.
 
BayyinahEvidence, proof.
 
Da'wahClaim.
 
DalalahAstray.
 
DalilAuthority.
 
DamanLiability for making up any loss, responsibility, guarantee, warranty, surety.
 
DaunDisease.
 
Dawa'Medicine.
 
DaynDebt, liability.
 
DharurahNecessity.
 
Dhawu al-ArhamRelation connected through female, a term used in law of inheritance for a specific group or person for the right in inherited property.
 
Dhawu al-FaraidReferring to a specific person whose shares in inheritance have been determined in the Holy Qur’an.
 
DhimmahResponsibility.
 
DhimmiA non-Muslim living under the protection of Muslim ruler.
 
DinReligion.
 
DinarIslamic currency.
 
DirhamIslamic currency.
 
DiwanThe finance department of early Muslim stage.
 
DiyatBlood wit, blood money, a monetary compensation against unjustified manslaughter.
 
FadlExcess, additional, surplus.
 
FaidahAdditional.
 
FallahSuccess, victory, achievement.
 
FalsCurrency.
 
FaqihJurist, Jurists.
 
FaqirPoor, destitute, needy.
 
FaqrPoverty.
 
FaraThe individual case of the law as distinguished from the original sources.
 
FaraidInheritance.
 
FarduObligatory.
 
FasidInvalid.
 
FatwaJuristic opinion , juridical decision.
 
FidyahCompensation.
 
FiqhA knowledge of Shari’ah, that is Islamic law.
 
Gair MamlukUnowned thing in which no ownership title, a thing belongs to none.
 
GaniWealthy.
 
GanimahThings appropriated without difficulty.
 
GaramDamage, loss.
 
GararUncertainty. A transaction under Islamic law should be held invalid, if it involves the element of Garar.
 
GarimInsolvent, principal debtor, bankrupt.
 
Hablul hablA kind of uncertain sale practiced during the pre-Islamic era of ignorance.
 
HadithThe tradition of the Holy Prophet (s.a.w.).
 
HajjObligatory pilgrimage.
 
HalalLawful, valid.
 
HaqRight.
 
HaramUnlawful.
 
HawalahTransference, assignment.
 
HibahGift.
 
HijrahMigration.
 
HisbahThe institution of ombudsman.
 
HududPlural of had, which means fixed punishment contained in the Divine sanction for some specific offences.
 
HujjahProof, evidence.
 
HukumRule, injunction, sanction, order, decree.
 
HuzailName of a tribe in the ancient Arab era.
 
JaezLawful.
 
JahannamHell.
 
JaninFoetus.
 
JihadFighting in the cause of Allah (s.w.t.).
 
JizyahA kind of tax imposed on non-Muslim living in an Islamic state.
 
JumhurMajority of the Islamic jurist.
 
JununInsanity.
 
KaffarahCompensation, explanation.
 
KafirUnbeliever.
 
KatibClerk.
 
KhairatDonation.
 
KhamrLiquor.
 
KharajLand tax.
 
KhiyarOption.
 
Khulafa ar-RashedunThe rightly guided four companions namely Sayyidina Abu Bakar (r.a)., Umar (r.a)., Uthman (r.a) and Ali (r.a).
 
KhutbahReligious speech specially before the Jumaah prayer and the prayer of two Eid festivals.
 
KifalahSurety ship, bail, guarantee.
 
Lajnah

Committee, Council.

 
Lazim

Obligation, necessary, fully binding.

 
Li‘an

Oath which is taken by both the wife and the husband when the latter accuses his wife of committing unlawful sexual activity and she denies it.

 
Maaqil

Mutual insurance societies of pre-Islamic Arabia constituted to collect a common mutual fund known as al-Kanz to insure against loss or damage.

 
Madhab

School of jurisprudence.

 
Mahrum

Deprived.

 
Maisir

Gambling.

 
Majnun

Insane, unsound mind.

 
Makhluq

Creature.

 
Makruh

Reprehensible, abominable, disapproved.

 
Mal

Wealth, property; thing.

 
Mandub

Recommended.

 
Maqasid

Purpose.

 
Mard

Illness.

 
Mard al-Maut

Death sickness; bed ridden.

 
Marid

Ill.

 
Masadir

Sources.

 
Masalih al-Mursalah

The doctrine of public interest.

 
Maslahah

Utility or benefit, which necessitate protection of faith, life, progeny, property and nationality.

 
Maut

Death, demise.

 
Miaath

Inheritance.

 
Milk

Ownership.

 
Miskin

Destitute, needy.

 
Mithl

Similar; substitute; fungible.

 
Mubaah

Permissible.

 
Mudarah

Harm, injury.

 
MudharabahCo-partnership where at least two parties are involved in a commercial transaction, in which one party provides capital, while the other offers skill in carrying out the business successfully in view of sharing the subsequent profits or loss accordingly. This is a financing technique adopted by all the Islamic financial institutions and in commercial activities in the contemporary world as opposed to the Riba (interest) based financing technique.
 
Munfa‘ah

Advantage, yield.

 
Musarakah

Partnership.

 
Mushaqqah

Hardship.

 
Mushrik

Polytheist.

 
Mu‘amalah

Commercial transaction.

 
Nafkah

Maintenance.

 
Nafs

Self, life.

 
Najsh

Offering a high price for something without having the intention to buy it, but just to cheat somebody else who really wants to buy it. Such a person may agree with the seller to offer a higher price before the buyer cheat them, in which case both this man and the seller are sinful. The seller may falsely tell the buyer that he (i.e. the seller) has previously bought the goods at a certain price, which is in reality higher than actual price. (Sahih al- Bukhari, (trans.Eng.) by Dr. Muhammad Muhsin Khan, op. cit. Vol. III. at p. x).

 
Naqd

Money, coin.

 
Nas

Text, definitive implication of the text.

 
Nasab

Relative, descendant.

 
Nasib

Luck.

 
Nasl

Lineage, progeny.

 
Nikah

Marriage.

 
Niyat

Intention.

 
Nizam

Discipline.

 
Qabul

Acceptance.

 
Qada’

Judgment(s), judiciary(s).

 
Qadr

Fate; predestination.

 
Qanun

Law, regulation, principles, rule.

 
Qard

Loan.

 
Qard al-Hasanah

A gracious loan.

 
Qarib

Recent.

 
Qarn

Century.

 
Qatl

Homicide.

 
Qat’I

Definite.

 
Qaul

Expression, opinion, view, speech.

 
Qawaid ul-Fiqhyyah

Juristic rule.

 
Qazf

False accusation of unlawful sexual intercourse.

 
Qiblah

The direction, in which Muslim turn their faces in prayer.

 
Qirad

Commenda agreement.

 
Qisas

Retaliation.

 
Qiyas

Analogy; legal reasoning.

 
Qur'an

The Holy Book revealed by Allah (s.w.t.) through the Angel Gibrael (a.s). to the last Prophet Muhammad ( s.a.w.) as a complete system for mankind.

 
Quraish

Most respectable tribe among the ancient Arab tribes, in which the Holy Prophet Muhammad (s.a.w.) was born.

 
Rabbul Mal

The capital provider in a profit and loss sharing financing technique. (al-Mudharabah).

 
Raka'ah

A unit of prayer.

 
Rasul

Messenger.

 
Riba

Usury, interest which is unlawful in the Islamic Shari’ah. It is therefore, unjustified or uncompensated excess in the exchange of counter values in the transaction of exchange when the excess revealed either through weight or measure or through benefit arising from delayed delivery. Today, most of the commercial transactions under conventional economy revolve around the elements of Riba.

 
Rizq

Livelihood; subsistence.

 
Rushd

Age of discretion, maturity, puberty, majority.

 
Sabab

Cause.

 
Sabi

Infant.

 
Sabr

Patience.

 
Sadaqah

Charity.

 
Sadaqatul Jariah

A form of charity.

 
Safih

Prodigal.

 
Saghir

Minor.

 
Sahih

Valid, sound, authenticity.

 
Sajadah

The position of prostration in the prayer.

 
Salam

The finishing action of prayer.

 
Sanat

Year.

 
Sarf

Monetary.

 
Sayyid

Master, leader.

 
Shahadah

Witnessing.

 
Shahr

Month.

 
Sharat

Condition, term, warranty.

 
Sharb

Drinking.

 
Sharikah

Partnership.

 
Shari’ah

Islamic Law.

 
Shifa’

Cure.

 
Sidduzzara

The plugging of lawful means to an unlawful end.

 
Siyasah al-Shari’ah

Administration of justice.

 
Sultan

Governor, head of the state, ruler.

 
Sunnah

The saying, the action, and the approval of the Holy Prophet (s.a.w.).

 
Surah

A large unit of the Holy Qur’an. There are 114 Surah contained in the Holy Qur’an.

 
Tabarru'Donation, charity.
 
Tabqah

Stage.

 
Tafsir

Interpretation, commentary.

 
Tahqiq al-Manat

The verification of the attributes of an established case in a new case re-offered for examination.

 
Tahrim

Prohibition.

 
TakafulMutual responsibility, an alternative term to Islamic insurance.
 
Talaq

Divorce.

 
Tamlik

Ownership.

 
Taqlid

Following the view of another without further question.

 
Tariqah

Path, system.

 
Tawakkul

Depending, putting trust.

 
Ta‘am

Food.

 
Ta’min

Insurance.

 
Thaman

Cost, value, price.

 
Thawab

Reward in the hereafter.

 
Tijarah

Trade, business.

 
Ummah

The nation (Islamic).

 
Wadia’h

Deposit.

 
Wajib

Obligation, compulsory, mandatory.

 
Wakalah

Agency.

 
Wala’

A kind of relationship between the master who frees a slave and the freed slave.

 
Wali

Guardian.

 
Waqf

Charity, religious endowment testamentary bequest of real estate.

 
Wasilah

Mediation.

 
Wasiyah

Will, bequest.

 
Yad

Hand.

 
Yamin

Oath.

 
Zahr

Unambiguous.

 
Zakat

Compulsory tax imposed on certain categories of wealthy people.

 
Zawj

Couple.

 
Zulm

Oppression; suppression.

 


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