NAAFEY

Developing Shariah
Solutions

Making Dealings and Earnings

Beneficial
Outline
Outline
Introduction to Naafey and its goals
Introduction to Naafey and its goals
Potential of Dealings and Transactions

 Rewards as per Seerah tells:

Pleasure of Allah Almighty.
Resurrections with Prophets.
Stature of Martyrs.
Barakah in wealth.

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Guidance for Humanity

 Jewish demand of loan from Prophet

‫ﷺ‬.
 Spread of Islam in south east Asia.

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Present Scenario
 In last few centuries, ignorance of Islamic
teachings and rise in materialism have resulted
in spread of:
 Greed

 Mistrust

 Fraud

 Dispute

 Corruption

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Concern

 To revive something role models are

needed (leading by example).
 Even dealings and transactions of the
religious segment of masses are not
completely according to Shariah.

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Reasons
 Lack of awareness and limited concept of Islam.
 Lack of required Islamic knowledge.
 Lack of time.
 Management and Operational issues.
 Communication gap with the Islamic scholarship and darul
ifta.
 Unfamiliar terminologies
 Cultural difference

 Delay in response

 Psychological barrier
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The Need

The need is to remove these reasons by

facilitating the masses and bridging the gap
with the Islamic scholarship.

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NAAFEY
 Naafey, established in 2008, is an initiative
undertaken to bridge the gap between the
business and professional community and
the Islamic scholarship by providing
facilitation services to both segments.
 Naafey is a non profit organization.

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Vision
"To revive the commandments of Shariah in
dealings of Muslims so that they become a
source of pleasure of Allah Almighty and
guidance for the whole humanity."

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Objectives
 To create awareness and educate people
about Shariah rulings regarding dealings
and transactions.
 To provide Shariah facilitation to
organizations through:
Shariah Gap Analysis
Implementation supervision
Auditing and Monitoring
Education and Training

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Objectives
 To understand the prevalent dealings in
the society, determine its Shariah status
and develop Shariah standards
accordingly.
 To train and enable Mufti's and Ulema to
perform above mentioned tasks
individually or from a collective platform.

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Scope
 Naafey is not an Islamic ruling center (Dar-
ul-Ifta) and does not issue a verdict in its
own capacity.
 Naafey does not issue any kind of
certificate.
 Dealings of a particular organization are
attested by only one specific Dar-ul-Ifta.
 All Naafey services are free of charge.

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Patrons
 Mufti Mahmood ul Hassan Shah Masoodi
(db), Muzaffarabad, Azad Kashmir.
 Maulana Muhammad Hassan (db), Jamia
Madnia Jadeed, Lahore.
 Founding Members
 Shahzad Mehboob Ellahi (Mushrooms, LUMS MBA)
 Maulana Syed Hisham Maghribi (Aalim, BSc Economics)
 Mufti Syed Raza Ali Jaffery (Specialization in Fiqh)
 Molvi Mohammad Atif Karamat (Specialization in Fiqh,MS
Computer Science)
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Observations
 Royal Tag: Franchisee.
 Consulting a mufti and then publishing the
photo of a woman.
 The story of the dummy.
 Reduction of uneasiness between the
owners of a company and respected
ulemas and then feeling content and
peaceful.

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Observations
 The call for a fatwa by a company owner,
but then not being unable to understand
it.
 Giving zakat to a hospital and the
discontinuation of zakat to one hospital.
 The noble Maulana Talha sahib drawing
attention in a letter: stop a certain corrupt
dealing or else it will effect Madaris.

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Strategy

Individuals

Professionals Madaris
COMMUNICATION
G A P
Businesses Ulema

BRIDGING
Organizations THE GAP
and Mufti
ProfessionalsReligious
Institutions andDar Ul Ifta
Academia
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Services for Organizations and
Professionals
1. Awareness Creation
2. Shariah Gap Analysis of Organizations
3. Rectification Implementation and
Supervision
4. Auditing and Monitoring
5. Education and Training
6. Shariah Department
7. Zakat Management
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Services for Religious Institutions
and Academia
1.Training Program
2.Education and Training
3.Collaborative Research
4.Fatawa Publishing and Standardizing
Awareness Creation
Brochure, pamphlets: English/Urdu
Presentations: English/Urdu
Website/ Email
Weekly message
A proper department for public
relations
References
Shariah Gap Analysis:
Initial Stage
 Acceptance of application and written
contract.
 The selection of the concerned
department of the company (mapping the
business: English/Urdu)
 Assignment of a Naafey team.
 Appointment of coordinator.
 Interview Schedule.
Shariah Gap Analysis:
Data Collection
 Questionnaire: Urdu +  Guidelines for Data
English Collection
 Data Collection Form  Process flow chart
 Recorder  Organogram
 Interviews of key
persons
Shariah Gap Analysis:
Business Document

 Guidelines for BD

 Structure of BD

 BD presentation
Shariah Gap Analysis:
Initial Analysis

The identification of clearly impermissible

aspects.
Giving references for impermissible aspects
from records of attested fatawa.
Immediately informing concerned
person/company about the impermissible
aspects.
Shariah Gap Analysis:
Istifta Creation

 Creating the questions (Istifta) from the BD

(business documents)
 Accommodating various aspects in preparing
problem statement (guidelines).
 Explanatory note in the questionnaire to Dar-
ul-Ifta (in brackets).
 Review of prepared documents (QA).
Shariah Gap Analysis:
Fatwa Writing
Accommodating various aspects in writing fatwas
(guidelines).
Explanatory note in the fatwa accommodating the
knowledge of the fatwa inquirer.
Sending the fatwa to Dar-ul-Ifta for verification.
Receiving the fatwa and delievering it to the concerned
individual.
Fatawa file (Shariah document).

Discussion of fatawa (rectification documents).

Shariah Gap Analysis:
Alternative Solutions
Detailed discussion of unlawful aspects
Assessment of practical difficulties faced in
implementing solutions to problems
Finding alternative solutions in light of the Shariah
Acquiring proper fatwa regarding the recommended
solution: deduction of one full day’s salary upon late
arrival for 3 days and its alternative
Rectification Implementation and
Supervision

Preparation of guiding documents (checklist,

guidelines, manual, short notes).
Training of important and special position
holders
Training of staff.
Assignment of Shariah facilitators.
Establishing a Shariah department.
Auditing and Monitoring

 Regular supervision of transactions

 Identification of upcoming problems

 Internal & External Audit: Shariah

department
Education and Training

 Educational and training lectures

 Workshops

 Seminars
 Presentations
Education and Training

 Introduction to Naafey  How will you calculate

 Comparison of Shariah zakat?

compliant and non-  HR department

Shariah compliant workshop

businesses  Employee’s obligations

 Common mistakes  Procurement

regarding transactions department workshop

Shariah Department
 Expedite the implementation process in
the organization.
 Conduct required educational and training
activities for the organization.
 Identify and resolve issues in contracts and
transactions on regular basis.
Zakat Management Services

Naafey helps in setting up Zakat

management system of organizations
for:
 Zakat calculation
Zakat deserver evaluation
Zakat disbursement
Services for Religious Institutes and
Academia
Training Program
 Naafey offers a 1 year on-field training
program to prepare Muftis and Ulema as
Shariah experts in dealings and
transactions. So they can serve in different
religious and contemporary organizations.
Training Program: Tasks
Interviewing all of the company’s departments and preparing
the business documents (BD) in writing
Making an initial assessment of the BD
Making an istifta and writing a fatwa from BD
Studying attested fatawa beforehand and extracting them
from books
Involvement in informational and training sessions
Going with respected muftis appointed by Naafey in
companies for discussion and implementation of fatawa.
Training Program:
Educational Series
 Regular Classes :  Workshops:
 Accounts and  HR
business  Purchase
 Computer  Strategic vision and
 English time management
 Lectures:  Zakat system in
 Tax law hospitals

 Labor law
 Supply chain
Training Program:
Facilities
Timings: Nearly 12 hours
Reasonable residence
Appropriate monthly stipend for food and
other necessities
Peaceful environment for work along side
provision of necessities
The experience of working in different
departments (map)
Education and Training Services

 Naafey arranges open house seminars and

training workshops for Muftis and Ulema
to better understand the foundation and
mechanics of modern dealings and
transactions.
Education and Training Services

Marketing Internal Audit

Letter of Credit Tax
(LC) Financial
Supply Chain Derivatives
Accounts Project
Labor laws Management
Collaborative Research
 Collaborative research on different topics
is carried out with the renowned Dar-ul-
Ifta s and Muftis.
Collaborative Research
 Discussion on fiqh (Islamic jurisprudence)
 Exchange of opinions and research of
different Dar-ul-Iftas
Paper market
Ghalla mandi (wheat market)
Property
Collaborative Research
 The legal status of P.O.
(purchase order)
 Benefitting from EOBI
 Current forms of TT and
transmission
 Problems of company
employees
 The receiving and spending of
zakat in hospitals
 Floating Mortgage
 Certain new forms of
commission
 Maintenance Contract
 Attracting another company’s
employee
 The buying and selling of plot
files
 The ruling on the commission
of arthi
 The policy of not giving
managers over time payment
Fatawa Publishing and
Standardizing
 Naafey plans to share and publish its
fatawa database. This database will
become foundation for Islamic standards
for dealings and transactions.
Fatawa Publishing and
Standardizing
Setting an agent’s wages based on percentage
or per piece (57 RT, SD-1)
Placing the responsibility of reduction in
goods or loss on (002,51 ‫)س‬the transporter
(24،07)Restricting the franchisee to agreed
prices
(07، 35)The legal limits and boundaries of
advertisements
(03، 50)Selling a foreign product using own
brand name
Fatawa Publishing and
Standardizing
011، 2)Giving zakat in hospitals
(011، 27)To give zakat by the name of
Ramzan Package
(011، 22)To give zakat to deserving
employees
(011، 2)Zakat on money taken in
advance after deal has been settled
(011، 11)Zakat on money taken in
advance after deal has been settled
Progress
1. Team of 15 full time Muftis and other support staff
2. Over 50 organizations have availed Naafey services.
3. Naafey has trained 20 Shariah facilitators (Muftis) for the
business and professional community.
4. A database of nearly 1500 fatawas has been developed.
5. Shariah departments are functional in two organizations.
6. Zakat management system is operational in three hospitals
and one organization.
7. Shariah facilitators are serving in three organizations.
8. 130 educational weekly messages about Shariah compliant
dealings have been developed and circulated.
Weekly Messages
130 educational weekly messages about Shariah
compliant dealings have been developed and
circulated.
Ruling on the discount or commission received by a
purchase officer
Ruling on accidentally selling an item on a cheaper price
Ruling on concession for payment before agreed time
Buying and selling an invoice
Buying and selling using a purchase order and delivery
order
Buying and selling on installments
Security deposit
Shariah Department
 ECS (Ehsan chappel stores)
 Ever Fresh (dairy farm)
Shariah Facilitators
Those companies in which Naafey’s
regular members respected muftis are
providing services in the form of
Shariah facilitators:
1. Royal Tag
2. Mushrooms Garments
3. Treu-Dynamic
Zakat Management System
 Hijaz hospital
 Gosha Shifa hospital
 Sadiq Hajra hospital
List of Organizations:
Shariah Analysis Completed
 Mushrooms garments  AK Motors (Car Trade)
 International Traders  Islamic Traders
(Indenting) (Installments
 Tti Business)
 Pasari  Cardex Clinic (Medical
Lab)
 Royal Tag
 True Value (Chicken
 Saud Traders Products)
(Paper/Card)
 Sadaat Holding
 Treu-Dynamic Company
(Surgical Instruments)
 Shafiq Autos
(motorcycles)
List of Organizations:
Shariah Analysis Inprocess
 TechZone (Software House)  Quraishi Towels (Ihram
 Diamond Paints producers)

 APH  A-Com (Computer

Accessories)
 Moon Value Glass (Glass)
 Moon Motors
 Ghalla Mandi Talagang
(Commission Agents)
 Scholastic Islamiah (School)
 Fortune Computers
 Business Technology
(Computer Accessories)
 Madrassa (Jamia Zainab)
 Farhan Enterprises
 ECS
 Rana Traders (Work on
Installments)
 Popular Pipes
List of Organizations:
Served Selected Departments
Stylo
Macter
Ghani Glass
Hush Puppies
Adsells
Jazak Allah Khair