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Seriousness Guarantee for Banking Murabaha

Khalid Zaid Al-Jabaly**
Abstract: This is a study of one way of guarantee supplemented by some banks to protect their
right when dealing with customers whereby a sum of money is required to be deposited by the
customer in the bank during the dating period of the Murabaha contract. Such sum of money is
defined as Seriousness Guarantee because it indicates the seriousness of the customer to purchase
from the bank in case the bank would own the commodity. In case the customer breaks his promise
of purchase, this money would be confiscated as a compensation for the possible loss of the bank
which owned this commodity upon the customers request. Objectives: To define the nature of this
guarantee approach, study its rules, and expose the contemporaries attitude towards it. Method:
Deductive and inductive method. Results: 1- The possibility of the bank requiring seriousness
guarantee from the customer is based on the issue of commitment in banking Murabaha. Those who
admit such commitment consider the bank right to demand it, while those who think otherwise do
not consider such right. 2-What is more accepted is that promise commitment is not a must.
Therefore, the bank has no right to demand such guarantee from the customer. Recommendations:
Based on the well established jurisprudence issues, the seriousness guarantee supplemented by
some banks to protect their rights should be relinquished.
key Words: Guarantee Deposit Banks Murabaha Dealings Crises

**Associate Professor, Dept. of Islamic Culture,

College of Education, University of Hail
khalidzd6@hotmail.com