PayHalal

PayHalal Payment Gateway Verified Merchants Gain 4.5 X Higher sales transactions.

Merchants Verified by PayHalal Payment Gateway have unfair advantage over conventional payment solutions

Verified by PayHalal payment gateway is designed to help to verify the identity online halal , Islamic merchants in real time, to provide added surety for Muslim shoppers when they shop with a PayHalal verified Merchant , this is extended to the protection of shoppers personal password or other identity data.

Verified by PayHalal payment gateway provides our Merchants customers an extra level of surety and security so they can shop for halal goods and Islamic services online without was-was (confidence).

The necessity of online shopping for Muslims is growing in every country. Now with Verified by PayHalal payment gateway , your Muslim customers’ trust in your halal business and secure wakalah checkout process can increase your off take volume .

It’s a service offered exclusively to PayHalal’s halal , Islamic merchants and it’s a proprietary service that is not available with any other payment gateways.

Verified by PayHalal payment gateway Merchant Branding can help you to achieve your sales goal

To help guide your shoppers through the Verified by PayHalal payment gateway authentication process, it’s important to employ these best practices:

√ Verified by PayHalal Merchant Symbol –creates Muslim consumer preference to buy at your online store.

√ Verified by PayHalal pre-messaging –educates your Muslim shoppers and raises their trust level with Verified by PayHalal.

√ Verified by PayHalal authentication messaging –helps prepare your Muslim shoppers for the Verified by PayHalal authentication process.

√ Verified by PayHalal authentication page – a professional page enhances Muslim shoppers confidence.

More and more Muslim consumers are becoming halal conscious and familiar with Verified by PayHalal payment gateway and how it protects them when making an online purchase. Muslim shoppers may now look for the Verified by PayHalal Merchant Symbol on online sites and have more confidence buying halal goods and services from Verified by PayHalal merchants.

Why Halal goods and Income is important to Muslims how it effects their lives and how it will improve the cash flow of a PayHalal payment gateway Verified Merchants.

For a Muslim halal and haram is very clear so those merchants supplying to Muslims should observe the following or they will loose the trust of their Muslim shoppers. Muslims observe the following:

✔️Earn Halal.

✔️Eat Halal.

✔️Drink Halal.

✔️Sell Halal.

✔️Buy Halal.

✔️Deal Halal.

Eating from haraam earnings is a sin,

The Prophet ﷺ Warned!

“No flesh grows that was nourished by that which is unlawful but the Fire is more appropriate for it.” At-Tirmidhi (558)

The Prophet ﷺ Said : haraam earnings is one of the things that prevent du‘aa’s and righteous deeds from being accepted.

Muslim (1686)

“O people, verily Allah is Good and does not accept anything but that which is good. Allah has enjoined upon the believers that which He enjoined up on the Messengers, as He says: ‘O messengers, eat from the good foods and work righteousness. Indeed, I, of what you do, am Knowing’ [Qur’an 23:51]

”O you who have believed, eat from the good things (Halal) which We have provided for you’ [Qur’an 2:172].

The Prophet ﷺ Said: ”Allah never rejects the Dua of a traveler.”

Then he mentioned a man who has travelled on a long journey and is dishevelled and covered with dust; he stretches forth his hands to the heaven, (saying) “O Lord, O Lord”, but his food is haraam (from haraam earnings), his drink is haraam, his clothing is haraam, he grew up nourished from haraam earning, so how can his du’aa’ be accepted?” Muslim (1686)

Therefore it is an advantage to visually display Verified by PayHalal payment gateway seal by making simple, visual adjustments to your site pages, you can assure your Muslim shoppers about your halal Verified status and commitment .

The Verified by PayHalal payment gateway Merchant Symbol communicates that a merchant participates in Verified by PayHalal, is guaranteed halal and shariah compliant this provides Muslim customers the added surety to do business with a Verified by PayHalal-enabled merchant.

Muslim Consumers may be influenced to buy on a merchant site that is Verified by PayHalal-enabled rather than one that is not. Verified by PayHalal can contribute to increased sales and increased market share for a merchants in the halal space .

Participating payment gateway merchants are required to place the Verified by PayHalal “Learn More” Merchant Symbol on the checkout page on which shoppers enter their card ,online banking or eWallet account number .

The messaging also provides a further halal verification and surety to the Muslim shoppers , beyond the presence of the Verified by PayHalal logo on your site that indicates you are a halal and shariah compliant merchant.

For further information on verified by PayHalal payment gateway write to

pat@payhalal.my

Get Started With Zero Entry Fee with PayHalal And Win More Muslim Customers

PayHalal Kickstarter offers a great variety of payment methods program ends June 30th 2022

Islamic Digital businesses are making payments a competitive differentiator.

PayHalal to lead how Islamic platforms will use Shariah Compliant payments to transform global Islamic Digital Economies.

61% of Islamic platforms intend to expand their shariah compliant payments processor in the next 3 years.

A decade into the new era of Islamic digital platforms, it’s clear that shariah compliant payments have become fundamental to their growth.

Introduction to PayHalal Shariah Compliant internet payment gateway.

This guide explains the basics of shariah compliant internet payments and the differences between common payment gateway models , the dangers of riba and gharar , and how it can cause your Islamic platforms and marketplaces to become haram. PayHalal covers payments according to the fundamentals Islamic , details what all Muslim owned businesses need to know about shariah compliant internet payments, and offers specific guidance depending on your business model.

Improve conversions and reach more Muslim customers.

Muslim Customers expect to engage in an Islamic way across channels and how they make a purchase needs to be consistent their religious requirements . (Take online retail for example, Muslim customers may expect it to be free of RIBA (usury) and gharar (ambiguity or speculation) and goods , services sold must be halal this applies to both online and in-person purchases.) PayHalal being the world’s 1st Shariah Compliant payment is better positioned to provide Muslims added surety when buying and paying online payments .This funnel can increase conversions, and adding the PayHalal payment methods can expand your pool of potential Muslim customers.

87% of Muslim customers abandon a purchase if the checkout process is not compliant to Shariah/ Halal, too complicated —and most Muslim customers do not want to pay with conventional credit cards and through conventional payment gateway . In fact, Muslim customer preferences are indoctrinated deeply in the Quran ( Muslim Holy book)and halal compliance.

PayHalal will share best practices to increase conversion and explain the types of Islamic payment methods your Muslim customers want and expect. Learn more about :

Designing the best Shariah Compliant checkout
Managing Shariah non compliant risk online
Improving network acceptance
Islamic payment methods digital wallets and bank debits and online transfers like ACH; “Islamic buy now, pay later”
Islamic industry terms and their definitions

Start your collecting your payments complaint to shariah today with PayHalal Islamic Payment Gateway.

Merchants Verified by PayHalal Enjoys 60% Higher sales transactions from Muslim Shoppers.

Verified by PayHalal Merchant Best Practices

Verified by PayHalal program is designed to help to verify the identity online halal , Islamic merchants in real time, to provide added surety for Muslim shoppers when they shop with a PayHalal verified Merchant , this is extended to the protection of shoppers personal password or other identity data.

Verified by PayHalal provides our Merchants customers an extra level of surety and security so they can shop for halal goods and Islamic services online without was-was (confidence).

The necessity of online shopping for Muslims is growing in every country. Now with Verified by PayHalal, your Muslim customers’ trust in your halal business and secure wakalah checkout process can increase your off take volume .

It’s a service offered exclusively to PayHalal’s halal , Islamic merchants and it’s a proprietary service that is not available with any other payment gateways.

To help guide your shoppers through the Verified by PayHalal authentication process, it’s important to employ these best practices:

mankind, eat from whatever is on earth [that is] lawful and good and do not follow the footsteps of Satan. Indeed, he is to you a clear enemy (al-Quran 2:168).

Verified by PayHalal Merchant Branding can help you to achieve your sales goal

√ Verified by PayHalal Merchant Symbol –

creates Muslim consumer preference to buy at your online store.

√ Verified by PayHalal pre-messaging –

educates your Muslim shoppers and raises their trust level with Verified by PayHalal.

√ Verified by PayHalal authentication messaging –

helps prepare your Muslim shoppers for the Verified by PayHalal authentication process.

√ Verified by PayHalal authentication page – a professional page enhances Muslim shoppers confidence.

More and more Muslim consumers are becoming halal conscious and familiar with Verified by PayHalal and how it protects them when making an online purchase. Muslim shoppers may now look for the Verified by PayHalal Merchant Symbol on online sites and have more confidence buying halal goods and services from Verified by PayHalal merchants.

Why Halal goods and Income is important to Muslims how it effects their lives and how it will improve the cash flow of a PayHalal Verified Merchants.

Eating from haraam earnings is a sin,

For a Muslim halal and haram is very clear so those merchants supplying to Muslims should observe the following or they will loose the trust of their Muslim shoppers. Muslims observe the following:

✔️Earn Halal.

✔️Eat Halal.

✔️Sell Halal.

✔️Drink Halal.

✔️Buy Halal.

✔️Deal Halal.

The Prophet ﷺ Warned!

“No flesh grows that was nourished by that which is unlawful but the Fire is more appropriate for it.” At-Tirmidhi (558)

The Prophet ﷺ Said : haraam earnings is one of the things that prevent du‘aa’s and righteous deeds from being accepted.

Muslim (1686)

”O you who have believed, eat from the good things (Halal) which We have provided for you’ [Qur’an 2:172].

The Prophet ﷺ Said: ”Allah never rejects the Dua of a traveler.”

Therefore it is an advantage to visually display Verified by PayHalal seal by making simple, visual adjustments to your site pages, you can assure your Muslim shoppers about your halal Verified status and commitment .

The Verified by PayHalal Merchant Symbol communicates that a merchant participates in Verified by PayHalal, is guaranteed halal and shariah compliant this provides Muslim customers the added surety to do business with a Verified by PayHalal-enabled merchant.

Participating merchants are required to place the Verified by PayHalal “Learn More” Merchant Symbol on the checkout page on which shoppers enter their card ,online banking or eWallet account number .

PayHalal verified seal is an added surety for Muslim consumers at the point of purchase.

For further information on verified by PayHalal write to

pat@payhalal.my

Importance of PayHalal in e-commerce

Verified Merchants under go stringent halal audit before we onboard them as a merchant

Why is it so important for a Muslim to strictly consume Halal?

Consuming Halal is an order of Allah and an essential part of the Islamic faith. Allah has repeatedly emphasised the consumption of Halal in His book. The following are some examples of such verses:

1. “O Messengers, eat from the pure foods and work righteousness” (Holy Quran 23:51)

2. “O you who have believed, eat from the pure things which we have provided you” (Holy Quran 2:172)

3. “O mankind, eat from whatever is on earth (that is) lawful and pure” (Holy Quran 2:168)

4. “So eat of that (meat) upon which Allah’s name has been mentioned, if you are believers in His verses” (Holy Quran 6:118)

5. “And do not eat that upon which the name of Allah has not been mentioned, for indeed it is a grave disobedience”. (Holy Quran 6:121)

By being careless about the halal and shariah laws of Islam a believer puts himself in harms way both in this world and the world hereafter.

In this world, due to in taking such a product he deprives himself from having any of his good deeds and duas accepted by his creator while in the hereafter he suffers the greatest loss ever imaginable i.e. refusal from being admitted to Paradise .

All this is confirmed in the following traditions:

1. Abu Hurairah RA related,” Allah’s Messenger PBUH said: Verily Allah is pure and He accepts only what is pure and indeed Allah has given those orders to the believers, which he has given to the Messengers. He has said, “O Messenger, eat from the pure foods and work righteous”. He -also- has said: “O you who have believed, eat from the pure things which we have provided you.” Then (the Prophet PBUH) made mention of a man who undergoes a lengthy journey in a state that he is dishevelled and dusty. He spreads his hands towards the sky (calling), “O my lord, O my lord”, however his food is Haram, his drink is Haram, his clothes are Haram and he has been nourished with Haram! So how will his call be answered?” (Muslim)

2. S’ad RA relates: Allah’s messenger PBUH said “O S’ad purify your food (and as a result) you will become one who’s supplications are accepted. I swear by He in whose hands the soul of Muhammad PBUH lies, verily a servant (of Allah) tosses a Haram morsel in his stomach (due to which) no deed is accepted from him for 40 days” (Tabarani)

3. Abu Baker RA narrated that Allah’s Messenger PBUH said “That body will not enter Paradise which has been nourished with Haram” (Baihaqi)

4. Ka`b Ibn Ujrah relates that the Prophet of Allah (PBUH) said, “a body nourished with Haram will not enter Jannah”. (Tirmidhi)

5. Jabir RA reported, Allah’s Messenger PBUH said, “That flesh will not enter Paradise which has grown from Haram, and all that flesh which has grown from Haram, the fire (of hell) is more worthy of it.” (Ahmed, Darimi, Baihaqi)

6. Abu Hurayrah (RA) reports that the Prophet of Allah (PBUH) said, “a time will come upon the people wherein a man will not bother what he intakes; whether from Halal source or Haram.” (Bukhari)

Halal Surety at very click . Only halal sku gets approved for check out this done through a comprehensive halal database from all around world managed by PayHalal AI

In the millennium , it becomes even more important to ensure the meat and poultry even financial transactions online and offline is genuinely Halal due to the execessive deceit, cheat and false labelling of Halal in the e-commerce platforms .

More than 20 places in the Al-Quran it has been mentioned the importance of consuming Halal foods

• It is the Divine Command

• Clean and Healthy

• Pure and Wholesome

• Nutritious and Good Quality

• Dietary Assurance

• Halal money

Around the world, people choose to eat clothe , trade or avoid certain foods and financial transactions depending on their religious belief.

Some beliefs have been followed for centuries and are well established as part of life.

Consequences of Consuming Haraam food and money

• Lost of Modesty

• Interest towards Ibaada will be lessened & inclination towards evil deed will be increased

• Duas will not be answered

• Ibadah will not be accepted

There is no doubt that one of the obligations upon the Muslim is that he earn for himself and his family a pure and halal sustenance. Abu Hurayrah narrated that the Prophet SAW said:

“O People! Allah is al-Tayyib (Pure), and He only accepts that which is pure! Allah has commanded the believers what He has commanded the Messengers, for He said, ‘O Messengers! Eat from the pure foods, and do right,’ and He said, ‘O you who believe! Eat from the pure and good foods We have given you.'”

Then the Prophet SAW mentioned a traveller on a long journey, who is dishevelled and dusty, and he stretches forth his hands to the sky, saying, “O my Lord! O my Lord!” – while his food is unlawful, his drink is unlawful, his clothing is unlawful, and he is nourished unlawfully; how can he (expect to) be answered?

It is noticed in this hadith that the PProphet SAW emphasised this person’s impure earnings by detailing the fact that his food, clothes, drink and nourishment were all obtained from the impure.

From this hadith, we learn that both the prophets and the believers have been commanded to eat from the tayyibdt, or the pure things. Purity is achieved when one earns his sustenance in a halal manner, and then uses it to buy halal food. So, if a person buys pure food from stolen money, this will not be accepted from him. Likewise, if one earns money from permissible means, then uses it to buy impermissible items, such as intoxicants, this too will not be accepted from him. Only when both of these conditions have been met – the way one earns money and the way one spends it – will Allah’s acceptance be gained.

Therefore PayHalal subscribed to a number of narrations in the Quran that signify that earning through halal is an obligation upon every Muslim.

It is because of this that Islam encourages earnings through trade and working.

In the digital age trading in e-commerce is encouraged because it is one of the best ways that a person can ensure earning pure sustenance as long the shariah principles and halal compliance are fully observed .

There are two aspects to halal sustenance, the first involving earning through halal means (as discussed above), and the second entailing spending only on halal items so as to ensure purity in what a person eats, drinks and is nourished on.

Wisdom from the ancient times.

The Companions, too, were careful about how they earned their sustenance. Once, a servant of Abu Bakr’s came to him with some food, so he ate from it. The servant then asked him,

“Do you know where this came from?” He replied, “From where?” The servant responded, “I practised astrology once in the times of Jahiliyyah — even though I am not an expert in it, except that I managed to trick the other person. So he paid me, and gave me what you ate!”

Hearing this, Abu Bakr put his finger in his mouth and forced himself to vomit up the food, until there was nothing left in his stomach.

In yet another indication of the piety of the early generations, Sa’ad ibn Abi Waqas, one of the famous Companions of the Prophet SAW, was once asked, “Why is it that your prayers are responded to, amongst all of the other Companions?

” So he replied, “I do not raise to my mouth a morsel except that I know where it came from and where it came out of.”

In conclusion, the Prophet SAW gave an example contrasting the person who takes from this world excessively, not caring how he earns his money, with the person who takes from it moderately, ensuring that his earnings are halal. Prophet SAW said,

“What I fear for you after me (is) what will be given to you from the magnificence and beauty of this world, except that good never brings about evil. The fruits that are harvested in spring cause death (for the animal that eats it), or brings it close to death, except for the one that eats khadir. So when it (the animal) eats this until its stomach is full, it faces the sun and releases its bowels and urinates (i.e., with ease), then pastures again. And verily this money is enticing and sweet.

PayHalal is the only Wakalah Bai Al Ujrah payment gateway that acts as the agent for the seller by ensuring everything is compliant to halal and shariah so when you as a Muslim buy from a PayHalal verified merchant you can can be certain all is halal.

Every online transactions are done with PayHalal Smart Aqad at a click

So how great is the Muslim companion (to it), who gives it to the poor and the orphan and the way-farer. So he who acquires it justly, and puts it in its proper place, then how great a helper it is! But he who takes it unjustly, is like the one who eats but is never satisfied, and it will be a witness against him on the Day of Judgement.”

PayHalal eliminates Riba through purchase transactions, uncertainty and all elements of gambling.

For further information please write to pat@payhalal.my

THE HALAL INDUSTRY. DOES IT REALLY AFFECT MALAYSIA’S ECONOMY?

BY FLY: MALAYSIA • 9 MONTHS AGO

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The world has seen the rapid growth of the halal industry in recent years. The halal product market is expected to grow by 28% from 2016 to 2022. The market segmentation of the halal industry has extended to non-muslim as well. It turned the halal industry to be inclusive for both Muslim and non-muslim. As a result, it is now very common to see the development of the halal industry in non-Muslim countries. The obvious example is the HFCE (Halal Food Council of Europe) has certified over 400 European food companies. This is expected to bring halal into the global mainstream (Mordor Intelligence, 2020a).

As for the halal scene in Malaysia, Malaysia’s halal industry contributed about 7.5% of Malaysia’s GDP in 2017. This big amount of percentage that the halal industry has contributed to Malaysia’s GDP shows that Malaysia is successful in utilizing the potentials it has as a Muslim majority country. In addition, these facts will be very interesting to observe as the halal industry is now regarded as the engine of economic growth. Hence this paper will generally examine the development of the halal industry in Malaysia. It will start by defining the halal industry. The next part will discuss briefly regarding the halal industry worldwide and will be continued by the overview of the halal industry in Malaysia and how it affects the economy.

A. Introduction

The existence of the halal industry has become a debate among some groups of people. Some people argue that the halal industry emerged just for economic purpose. Others argue that its existence is demand for halal products has forced the halal industry to expand its scope into a variety of products and services, such as medicines, cosmetics, tourism, finance, and even fashion. This phenomenon is caused by raising awareness among Muslim about what can be consumed and not. Indeed, this expansion is very helpful to the Muslims. The other factor that makes the halal industry a big business is the estimated increase in the Muslim population. According to the Pew Research Centre, the number of Muslims worldwide is expected to increase by 75% from 1.6 billion in 2010 to 2.8 billion in 2050. According to the Oxford dictionary, the word halal can be defined as meat from an animal that has been killed according to Muslim law. It also refers to something acceptable according to Muslim religious law. Based on these two definitions, it is clear that halal refers to a set regulation based on Islamic law that helps Muslim to distinguish what to eat, use or consume and also the substance and the process of making products or delivering services are the determinant factors that determine whether the products or services are halal or not. Based on the explanation above, the halal industry can be defined as an industry that conducts its business in accordance with Islamic regulation.

To produce a halal product, there are two things to be considered, which are the substance and the process. Based on Islamic law, some substances are substance is prohibited in nature, such as dog and pork. While other non-prohibited substance must go through several processes to be halal. For example, a cow must be slaughtered in accordance with Islamic procedures before being consumed by Muslim, otherwise, it will be prohibited to be eaten. This concept applies to all food products in any form, consumer goods including cosmetics, personal care products and pharmaceuticals. It also applies to the process of trade or commerce and to activities in the services sector (SMEinfo, 2018).

The growing. This shows that the demand for the halal industry will likely increase in the future. In addition, the demand for the halal industry will likely increase in the future due to the estimated increase of the Muslim population. According to the Pew Research Centre, the number of Muslims worldwide is expected to increase by 75% from 1.6 billion in 2010 to 2.8 billion in 2050. The growing demand for halal products has forced the halal industry to expand its scope into a variety of products and services, such as medicines, cosmetics, tourism, finance, and even fashion

B. An overview of the Halal industry worldwide

The spending on halal products can be used as one of the indicators to measure the development of the halal industry in the world. According to the State of the Global Islamic Report 2019/2020 by DinarStandard, the world spending on halal products will likely increase with a projected CAGR growth of 6.2% from 2018 to 2024. The table below shows the expected growth of world spending or assets in six different economic sectors from 2018 to 2024.

From the table above, it can be seen that all the economic sectors of the halal industry will have a positive trend in the near future and none of them will grow with a rate below 5.5%. Although the main consumer of the halal products is the Muslim population in Muslim majority countries, some sectors in the table above are dominated by Muslim minority countries. For example, in terms of halal food, Brazil and Australia are the leading countries in meat and live animal exports to Organization of Islamic Cooperation (OIC) countries with $5.5 billion and $2.4 billion respectively. Despite standing above the rest, Brazil has faced a lack of compliance with Halal standards (Ashfaq, 2018b). In March 2017, Brazilian federal police announced that health officials had allegedly been paid off by influential meat companies to ignore various abuses that may have compromised the safety and certification of food products being sent to virtually every corner of the world. In the immediate aftermath of the scandal, Saudi Arabia temporarily suspended Brazilian beef and poultry imports (Newsweek). To tackle this issue, the commonly accepted standards among certification bodies globally must be made in order to avoid duplicate certification costs and reduce complexity (State of the Global Islamic Economy Report 2018/19).

Furthermore, for halal clothing, the “made in china” product topped the list of halal clothing exporter to OIC countries worth $10.6 billion. This amount left a wide gap with the second position, led by India with $3.1 billion and followed by Turkey with $2.3 billion. China also played an important role in halal media and recreation export. This sector is mainly divided into three parts, which are: a). toys, games and sport, b). printed books, newspaper and picture, and c). photographic or cinematic goods. China led the race with $3.6 billion and followed by the USA with $556 million and the UK in third place with $450 million. The same goes with the next two sectors, halal pharmaceutical and halal cosmetics where the domination of exporting countries to OIC still belonged to the western countries. Germany, French, and the USA are the key players in halal pharmaceutical exporter to OIC with $5.1 billion, $4.4 billion and $3.5 billion consecutively. And the top 5 countries in exporting halal cosmetic products to OIC countries are French ($2.6 billion), UAE ($1.2 billion), Germany ($1.1 billion), USA ($1 billion), and China ($0.8 billion).

The domination of some Muslim minority countries in particular economic sectors of the halal industry clearly indicates that the halal industry still has room for development even in a country with a lesser population of Muslim.

C. The halal industry in Malaysia and how it affects the Malaysia economy

The development of the halal industry in Malaysia started in 1974 when the Research Centre for Islamic Affairs Division started issuing halal certificates. Over the years, this country has recognized the urgency and potential of the halal industry. The establishment of the Halal Industry Development Corporation in 2006 demonstrated the strong willingness of Malaysia to be the leading country in the halal industry. This agency is under the Ministry of Economic Affairs and is responsible for coordinating the overall development of the halal industry in Malaysia (HDC Global).

The government support to advance the halal industry in Malaysia is clear. The most recent and obvious proof is the Halal Industry Master Plan (HIMP) 2008-2020, in which its vision is to make Malaysia as the global halal hub. The desired outcome of this policy is to make Halal as the new source of economic growth (MITI). Other than that, Malaysia also hosts two of the most important annual events in the halal industry, namely the Malaysia International Halal Showcase (MIHAS) and the World Halal Forum (WHF). Both play a pivotal role in building the country’s reputation as the global reference and trade centre for the new mainstream halal industry since 2003 (Visit Malaysia 2020). Moreover, the seriousness of Malaysia to be the global halal hub is also demonstrated by the establishment of Halal Park, a community of manufacturing and service businesses located on common property with the aim of preserving the integrity of halal products. From 2010 to 2017, the total investment in Halal Park has reached MYR 13.27 billion and it has received a total of 14 Halmas throughout Malaysia. Halmas is an accreditation given to the Halal Park operator who has successfully complied with the requirement and guidelines stipulated under the HDC Designated Halal Park development. In relation to that, the Malaysian government has set tax incentives to promote the attractiveness of Halal Park for certain products, such as livestock and meat production, probiotics, speciality processed food, pharmaceuticals and nutraceuticals, cosmetics and personal care, and halal ingredients (HDC Global).

The result of the government’s efforts to advance the Halal Industry in Malaysia can be seen from both the contribution to GDP and halal exports value. In terms of the contribution to Malaysian GDP, the halal industry experiences a positive trend in recent years. In 2017, it contributed 7.5% to Malaysian GDP and it is expected to increase by 1.2% this year or the contribution will be 8.7%, according to Economic Affairs Ministry’s Service Industry Section director Dr Khalid Abdul Hamid (The Star, 2019).

For halal exports, the number of Malaysia’s halal exports experienced a gradual increase from 2010 to 2018. However, in 2018, it slightly declined from the previous year due to the challenging time in the palm oil industry, including the lower palm oil derivatives, Hanisofian Alias said (The Malaysian reserve, 2019). The chart below shows Malaysia’s Halal Export value from 2014 to 2018.

Source: Halal Industry Development Corporation (HDC).

Despite the amount of halal export increased in 2017 from the previous year, the percentage of halal export contribution to Malaysia’s total export value decreased in the next two consecutive years. This is due to the rapid increase in the total value of Malaysia’s export. In 2016, the contribution to Malaysia’s total export is 5.3% with the total export MYR 787.0 billion. The next two years account for 4.6% with MYR 935.4 billion and 4.0% with MYR 998.0 billion consecutively.

In addition, the full support from the Malaysian government towards the halal industry development facilitates Malaysia to be the leading country of the Global Islamic Economy Indicator. This indicator gives a comprehensive picture of which countries are currently best positioned to address the multi-trillion-dollar global opportunity. It measures the strength of the Islamic economy for 73 countries, across supply and demand drivers, governance, awareness and social considerations, and is a weighted composite of 49 important metrics (State of the Global Islamic Economy Report 2019/20). Two Middle Eastern countries are tailing Malaysia in the first position, which is UAE in the second and Bahrain in the third place.

Conclusion

The world has recognized the halal industry as the new engine of economic growth. It can be seen from the increase of halal products in many countries which is not limited only to Muslim majority countries. Indeed, halal is not perceived as a mere label by its user. The use of the halal label identifies that certain products have good standards and quality. Many countries that have recognized the urgency of the halal industry and its potential are now racing to be the top of halal product providers. It is also an effort to cope with the market demand that gradually increased in recent years.

Furthermore, within the next four years, there will be an increase in the consumption of halal products throughout the world. Even countries with a small Muslim population are predicted to be the main players in the halal industry. For example, Brazil and China where they will be the main exporters of halal meat and clothing to OIC countries.

Malaysia as the leading Global Islamic Economy Indicator has a longstanding journey of halal industry dating from 1974. Through the Halal Industry Master Plan (2008-2020), Malaysia is aiming to be the global halal hub. To achieve that goal, Halal Industry Development Corporation (HDC) is established and one of the bold movements under HDC is the establishment of Halal Park. In fact, HDC has contributed positively to the growth of Malaysia’s halal export value. It is proven by the significant increase in terms of halal export value by 163% from MYR 15.2 billion in 2010 to MYR 40 billion in 2018. It will help this country to have a greater competitive advantage, bring in higher wages and increase job opportunities. Other than that, the significance of HDC is emphasized by the forecasted increase of the halal industry contribution toward Malaysia’s GDP to 8.7% in 2020 from 7.5% two years earlier. Furthermore, Halal Park with its tax incentives has contributed to a huge number of investments in the halal industry, which is MYR 13.27 billion from 2010 to 2017. It also has a total of 14 Halmas (Halal Park operator) throughout Malaysia. It means that more jobs emerged as a result of Halal Park. In addition, Malaysia must maintain this positive trend and increase its efforts in order to always cope with market demand.

References

Researcher: Rif’at Abdillah
Editor: Chee Hor

Download the article: The Halal Industry. Does it really affect Malaysia’s economy

KEWAJIBAN SHALAT JUM’AT

Oleh Ustadz Abu Isma’il Muslim al-Atsari

يَا أَيُّهَا الَّذِينَ آمَنُوا إِذَا نُودِيَ لِلصَّلَاةِ مِنْ يَوْمِ الْجُمُعَةِ فَاسْعَوْا إِلَىٰ ذِكْرِ اللَّهِ وَذَرُوا الْبَيْعَ ۚ ذَٰلِكُمْ خَيْرٌ لَكُمْ إِنْ كُنْتُمْ تَعْلَمُونَ Hai orang-orang beriman, apabila diseru untuk menunaikan shalat Jum’at, maka bersegeralah kamu kepada mengingat Allâh dan tinggalkanlah jual beli, yang demikian itu lebih baik bagimu jika kamu mengetahui. [al-Jumu’ah/62:9]. Kewajiban shalat Jum’at merupakan kewajiban besar setiap pekan. Dan al-hamdulillâh banyak kaum Muslimin nampak memperhatikan hal ini. Namun dalil dan perincian dalam masalah ini banyak yang belum mengetahuinya. Inilah sedikit keterangan tentang ayat yang memerintahkan shalat Jum’at tersebut. TAFSIR AYAT Firman Allâh Subhanahu wa Ta’ala : يَا أَيُّهَا الَّذِينَ آمَنُوا Hai orang-orang beriman… Imam al-Qurthubi rahimahullah berkata, “Firman Allâh ‘hai orang-orang beriman’ adalah pembicaraan kepada orang-orang mukallaf[1] dengan ijma’ dan keluar dari pembicaraan ini, yaitu orang-orang sakit, lumpuh, musafir, budak, dan wanita dengan berdasarkan dalil.”[2] Imam Ibnu Katsir rahimahullah berkata, “Sesungguhnya orang-orang yang diperintahkan menghadiri Jum’at hanyalah laki-laki merdeka; bukan wanita, budak, dan anak-anak. Dan diberi udzur (atau dima’afkan; yakni, tidak wajib bagi): musafir, orang sakit, pengurus orang sakit, dan halangan-halangan semacamnya, sebagaimana ini disebutkan dalam kitab-kitab furu’ (fiqih)”.[3] Adapun dalil perkataan Ulama di atas antara lain adalah sabda Nabi Shallallahu ‘alaihi wa sallam : الْجُمُعَةُ حَقٌّ وَاجِبٌ عَلَى كُلِّ مُسْلِمٍ فِي جَمَاعَةٍ إِلَّا أَرْبَعَةً عَبْدٌ مَمْلُوكٌ أَوْ امْرَأَةٌ أَوْ صَبِيٌّ أَوْ مَرِيضٌ Jum’at itu wajib bagi setiap Muslim dengan berjama’ah, kecuali empat (golongan), yaitu; hamba sahaya, wanita, anak-anak dan orang yang sakit.[4] Hadits ini juga menunjukkan bahwa berjama’ah merupakan syarat shalat Jum’at. Imam Ibnu Abi Syaibah rahimahullah meriwayatkan dari Ali bin Abi Thâlib Radhiyallahu anhu, ia berkata: لاَ جَمَاعَةَ يَوْمَ جُمُعَةٍ إِلاَّ مَعَ الإِمَامِ Tidak ada jama’ah (shalat Jum’at) pada hari Jum’at kecuali bersama imam.[5] Firman Allâh Ta’ala: إِذَا نُودِيَ لِلصَّلَاةِ مِنْ يَوْمِ الْجُمُعَةِ apabila diseru untuk menunaikan shalat Jum’at… Yang dimaksudkan dengan seruan di sini adalah adzan Jum’at ketika khatib naik mimbar dan duduk di atasnya, sebagaimana dilakukan pada zaman Nabi Shallallahu ‘alaihi wa sallam . عَنْ السَّائِبِ بْنِ يَزِيدَ قَالَ كَانَ النِّدَاءُ يَوْمَ الْجُمُعَةِ أَوَّلُهُ إِذَا جَلَسَ الْإِمَامُ عَلَى الْمِنْبَرِ عَلَى عَهْدِ النَّبِيِّ صَلَّى اللهُ عَلَيْهِ وَسَلَّمَ وَأَبِي بَكْرٍ وَعُمَرَ c فَلَمَّا كَانَ عُثْمَانُ رَضِيَ اللهُ عَنْهُ وَكَثُرَ النَّاسُ زَادَ النِّدَاءَ الثَّالِثَ عَلَى الزَّوْرَاءِ. قَالَ أَبُو عَبْد اللَّهِ الزَّوْرَاءُ مَوْضِعٌ بِالسُّوقِ بِالْمَدِينَةِ Dari as-Saib bin Yazid, ia berkata, “Dahulu pada zaman Nabi Shallallahu ‘alaihi wa sallam , Abu Bakar dan ‘Umar Radhiyallahu anhuma , adzan pada hari Jum’at pertama kalinya adalah ketika imam sudah duduk di atas mimbar. Tatkala ‘Utsmân Radhiyallahu anhu (menjadi khalifah, Pen.) orang-orang bertambah banyak, beliau Radhiyallahu anhu menambah adzan ketiga di Zaura”. Abu Abdillah (Imam al-Bukhâri rahimahullah ) berkata, “Az-Zaura’ adalah nama satu tempat di pasar Madinah”. [HR al-Bukhâri, no. 870]. Disebut adzan ketiga karena adzan itu adalah tambahan dari adzan di depan imam setelah naik mimbar dan iqamat shalat. Imam Ibnu Katsir rahimahullah (8/122) setelah menyebutkan hadits di atas, mengatakan, “maksudnya adalah adzan itu dikumandangkan di atas sebuah rumah yang disebut az-Zaura`, dan az-Zaura’ adalah rumah yang paling tinggi di Madinah di dekat masjid.”[6] Firman Allâh Subhanahu wa Ta’ala : فَاسْعَوْا إِلَىٰ ذِكْرِ اللَّهِ maka bersegeralah kamu kepada dzikrullâh (mengingat Allâh). Syaikh Abdurahmân as-Sa’di rahimahullah berkata, “Allâh Azza wa Jalla memerintahkan para hamba-Nya, orang-orang Mukmin, untuk menghadiri shalat Jum’at dan bersegera kepadanya, dan memperhatikannya sejak adzan shalat kumandangkan. Yang dimaksud dengan sa’i di sini, adalah bergegas kepadanya, memperhatikannya dan menjadikannya kesibukan terpenting. Maksudnya bukan berlari, karena perbuatan ini terlarang ketika pergi menuju shalat.[7] Nabi Shallallahu ‘alaihi wa sallam mengancam orang-orang yang wajib menghadiri shalat Jum’at tetapi tidak mendatanginya dengan ancaman yang keras, sebagaimana diriwayatkan dari Abdullâh bin Umar Radhiyallahu anhuma dan Abu Hurairah Radhiyallahu anhu bahwa keduanya mendengar Rasûlullâh Shallallahu ‘alaihi wa sallam bersabda di atas mimbarnya: لَيَنْتَهِيَنَّ أَقْوَامٌ عَنْ وَدْعِهِمْ الْجُمُعَاتِ أَوْ لَيَخْتِمَنَّ اللَّهُ عَلَى قُلُوبِهِمْ ثُمَّ لَيَكُونُنَّ مِنْ الْغَافِلِينَ Hendaklah orang yang suka meninggalkan shalat Jum’at menghentikan perbuatan mereka, atau benar-benar Allâh akan menutup hati mereka, kemudian mereka benar-benar menjadi termasuk orang-orang yang lalai. [HR Muslim]. Kemudian bahwa yang dimaksud dengan dzikrullâh (mengingat Allâh) dalam ayat ini adalah shalat Jum’at dan khutbahnya. Imam Qurthubi rahimahullah berkata, “Firman Allâh ‘menuju dzikrullâh’ yaitu shalat. Ada yang mengatakan khutbah dan shalat. Ini dikatakan oleh Sa’id bin Jubair. Ibnul ‘Arabi berkata, ‘Yang benar bahwa semuanya wajib, yang pertama adalah khutbah. Ini adalah pendapat para Ulama kita kecuali Abdul-Mâlik bin al-Majisyun; ia berpendapat (mendengarkan) khutbah itu sunnah. Dalil wajibnya mendengarkan khutbah adalah khutbah itu menyebabkan jual beli menjadi haram. Seandainya khutbah tidak wajib, niscaya ia tidak akan menyebabkan jual beli menjadi haram, karena sesuatu yang mustahab (sunah) tidak menyebabkan yang mubah menjadi haram.”[8] Firman Allâh Ta’ala: وَذَرُوا الْبَيْعَ dan tinggalkanlah jual beli. Imam Ibnu Katsir rahimahullah berkata, “Yaitu bersegeralah menuju dzikrullâh dan tinggalkan jual-beli ketika adzan (Jum’at) telah dikumandangkan. Oleh karena itu, para Ulama –semoga Allâh meridhai mereka- bersepakat tentang haramnya jual-beli setelah adzan kedua. Namun Ulama berbeda pendapat, apakah jual beli itu sah (atau) tidak ?! Jika ada yang melakukannya. Mereka terbagi menjadi dua pendapat. Zhahir ayat (menunjukkan) bahwa jual beli itu tidak sah sebagaimana telah dijelaskan di dalam tempatnya (kitab fiqih, Pen.). Wallâhu a’lam”.[9] Walaupun ayat ini memerintahkan agar meninggalkan jual-beli, tetapi bagi orang yang berkewajiban melaksanakan Jum’at juga harus meninggalkan semua pekerjaan setelah adzan dikumandangkan. Imam al-Alûsi rahimahullah berkata, “Yaitu, tinggalkan mu’amalah (intraksi atau pekerjaan antar sesama manusia), karena jual-beli merupakan majaz (kiasan) dari mu’amalah, sehingga mencakup menjual, membeli, sewa-menyewa, dan bentuk-bentuk mu’amalah lainnya. Atau (kata) jual-beli menunjukkan (perbuatan) yang lainnya berdasarkan dalil nash, dan kemungkinan ini yang lebih utama. Perintah (untuk meninggalkan mu’amalah, Pen.) ini menunjukkan wajib, sehingga semua itu (mu’amalah ketika adzan berkumandang) haram. Bahkan telah diriwayatkan dari ‘Atha` Radhiyallahu anhu, keharaman kesenangan yang mubah (pada asalnya), suami menggauli istrinya, menulis tulisan juga (diharamkan).”[10] Imam al-Qurthubi rahimahullah berkata, “Allâh Azza wa Jalla secara khusus menyebut jual-beli, karena jual-beli pekerjaan yang paling banyak dilakukan oleh orang-orang pasar. Namun orang yang tidak wajib menghadiri shalat Jum’at maka tidak dilarang dari jual-beli”.[11] Firman Allâh Azza wa Jalla : ذَٰلِكُمْ خَيْرٌ لَكُمْ إِنْ كُنْتُمْ تَعْلَمُونَ yang demikian itu lebih baik bagimu jika kamu mengetahui. Syaikh Abdurahmân as-Sa’di rahimahullah berkata, “Yang demikian itu lebih baik bagimu dari pada kesibukanmu dengan jual-beli dan kamu kehilangan shalat wajib yang termasuk kewajiban yang besar. Jika kamu mengetahui bahwa apa yang ada di sisi Allâh itu lebih baik dan lebih kekal, dan bahwa orang yang lebih mementingkan dunia dari pada agama, maka ia telah merugi dengan kerugian yang sebenarnya, dari arah yang ia menyangka akan mendapatkan keuntungan. Dan perintah meninggalkan jual-beli ini ditetapkan waktunya (yaitu) selama shalat”.[12] WANITA YANG SHALAT DI RUMAH Wanita tidak diwajibkan shalat Jum’at, namun dibolehkan mengikuti shalat Jum’at di masjid. Jika wanita shalat sendiri di rumahnya maka ia shalat Zhuhur, sebagaimana laki-laki yang tidak bisa mengikuti shalat Juma’t. Syaikh Abdul-‘Aziz bin Bâz rahimahullah pernah ditanya, “Jika aku tidak shalat Jum’at bersama jama’ah di masjid, apakah aku shalat di rumah dua raka’at dengan niat Jum’at atau aku shalat empat raka’at dengan niat Zhuhur?” Beliau rahimahullah menjawab, “Barangsiapa tidak menghadiri shalat Jum’at bersama umat Islam karena ‘udzur (halangan) syar’i, berupa sakit atau sebab-sebab lainnya, (maka) ia shalat Zhuhur. Demikian juga wanita (yang tidak menghadiri shalat Jum’at), (maka) ia shalat Zhuhur. Demikian juga musafir, penduduk padang pasir/desa (yang tidak menghadiri shalat Jum’at), maka mereka shalat Zhuhur. Hal itu ditunjukkan oleh Sunnah (Nabi), dan ini merupakan pendapat mayoritas ulama; (sedangkan) orang yang menyelisihi dari (pendapat) mereka tidak dianggap. Demikian juga orang yang sengaja meninggalkan shalat Jum’at, lalu ia bertaubat kepada Allâh Ta’ala, (maka) ia melakukan shalat Zhuhur”.[13] Syaikh Muhammad bin Shâlih al-‘Utsaimin rahimahullah juga pernah ditanya: “Berkaitan dengan shalat Jum’at bagi wanita, berapa raka’at yang dikerjakan wanita yang shalat di rumahnya? Syukran”. Beliau menjawab: “Jika wanita shalat bersama imam di masjid, (maka) ia melakukan shalat seperti imam. Namun jika wanita shalat di rumahnya, (maka) ia melakukan shalat Zhuhur, empat raka’at”.[14] MAKMUM MASBUQ DARI SHALAT JUM’AT Makmum masbuq (tertinggal) dari shalat Jum’at yang masih mendapatkan raka’at imam, maka ia menggenapi raka’at yang kurang. Seseorang dianggap mendapatkan raka’at imam jika mendapatkan ruku’ bersama imam. Namun jika ia sudah tidak mendapati raka’at imam, maka ia melakukan shalat empat raka’at, yaitu shalat Zhuhur, karena ia telah kehilangan jama’ah yang merupakan syarat shalat Jum’at. Hal ini sebagaimana penjelasan dari banyak ulama, antara lain sebagai berikut. 1. Imam Ibnul Mundzir rahimahullah berkata di dalam kitab al-Ausath (4/100): “Sebagian Ulama berkata, ‘Barangsiapa mendapati satu raka’at dari shalat Jum’at (bersama imam, Pen.), (maka) ia manambah satu raka’at lagi. Jika ia (makmum masbuq, Pen.) mendapati mereka (imam dan makmum) duduk (tasyahud), (maka) ia shalat empat raka’at (yaitu shalat Zhuhur, Pen.). Demikian ini dikatakan oleh Ibnu Mas’ud, Ibnu ‘Umar, Anas bin Mâlik, Sa’id bin Musayyib, al-Hasan, asy-Sya’bi, ‘Alqomah, al-Aswad, ‘Urwah, an-Nakha’i, dan az-Zuhri”. Kemudian Ibnul-Mundzir menyebutkan riwayat-riwayat itu dengan sanad-sanadnya.[15] 2. Ibnu Mas’ud Radhiyallahu anhu berkata, مَنْ أَدْرَكَ الرَّكْعَةَ فَقَدْ أَدْرَكَ الْجُمْعَةَ وَمَنْ لَمْ يُدْرِكِ الرَّكْعَةَ فَلْيُصَلِّ أَرْبَعًا Barangsiapa (dari makmum masbuq, Pen.) mendapati satu raka’at (dari shalat Jum’at bersama imam, Pen.), (maka) ia telah mandapatkan Jum’at. Dan barangsiapa tidak mendapatkan Jum’at, hendaklah ia shalat empat raka’at (yaitu shalat Zhuhur, Pen.).[16] 3. Ibnu ‘Umar Radhiyallahu anhu berkata, إِذَا أَدْرَكَ الرَّجُلُ يَوْمَ الْجُمْعَةِ رَكْعَةً؛ صَلَّى إِلَيْهَا أُخْرَى، فَإِذَا وَجَدَهُمْ جُلُوْسًا؛ صَلَّى أَرْبَعًا Jika seorang laki-laki (dari makmum masbuq, Pen.) pada hari Jum’at mendapati satu raka’at (dari shalat Jum’at bersama imam, Pen.), (maka) ia menambah lagi satu raka’at. Namun jika mendapati mereka duduk (tasyahud), (maka) ia shalat empat raka’at (yaitu shalat Zhuhur, Pen.). [Riwayat Abdur- Razaq dalam al-Mushannaf, 3/234, sanadnya shahîh][17]. PETUNJUK AYAT Di dalam ayat yang mulia ini terdapat berbagai petunjuk, antara lain: 1. Kewajiban shalat Jum’at bagi laki-laki dewasa, merdeka, sehat, dan mukim. 2. Kewajiban bersegera menuju dzikrullâh dengan berjalan tenang. 3. Keharaman jual-beli dan mu’amalah lainnya bagi orang yang wajib Jum’at setelah adzan berkumandang. 4. Bagi wanita atau laki-laki yang tidak mengikuti shalat Jum’at atau tertinggal, maka melakukan shalat Zhuhur. 5. Urgensi ilmu di dalam ketaatan kepada Allâh. Demikian sedikit penjelasan seputar kewajiban shalat Jum’at, semoga bermanfaat. Wallâhu a’lam bish-shawâb.

Referensi: https://almanhaj.or.id/4135-kewajiban-shalat-jumat.html

Merchant Acquiring Business Manager.

PayHalal the world’s 1st shariah compliant payment gateway is growing in record time to support our growth we are seeking Merchant Acquiring Business Managers for various payment channels .

Job Summary:

Manages strategic growth and business development for Islamic Merchant Services, including all merchant-related programs and initiatives. Recommends, develops, communicates and implements all merchant-related programs and initiatives throughout PayHalal footprint. Provides direct leadership and management for Merchant Services Sales and Partnerships. Responsible for interviewing and hiring the sales team.

Job Duties and Responsibilities:

• Aligns the strategic priorities of Merchant Services with the direction and strategic priorities of the broader organization. In close consultation with all stakeholders, initiates, develops, recommends, communicates and, where appropriate, implements all merchant-related sales programs and initiatives throughout PayHalal system.

• Plans and implements an overall merchant business development sales program. Maintains contact with other areas of the organization that can assist in merchant business development. Implements initiatives to capitalize on strengths and market opportunities to build a strong merchant referral program.

• Works with sales team members to develop marketing strategies tailored to meet established sales objectives. Monitors and reports results, coaches and trains team members as needed.

• Provides feedback, support, and direction to all PayHalal partners involved in the merchant referral program. Provides ongoing sales reporting to all areas of the organization to include executive management.

• Evaluates and pursues merchant sales opportunities concentrating on PayHalal customer base. Emphasizes merchant sales that drive transactions volume growth.

• Develops effective working relationships with team members, peers, management and executive management by soliciting feedback and gathering input related to proposed changes and decisions.

• Serves as the relationship manager with merchant referral organization. Maintains ongoing communications to improve products, customer service and sales. Ensures problems or complaints are resolved and reported.

• Co-Manages the day-to-day activities of Merchant Services Sales with Director of Merchant Sales. Provides leadership in all areas of the sales process including product training, coaching, and role play to promote effective strategy. Interviews and hires sales team.

• Manages the annual performance management and merit processes for direct and indirect reports. Coaches and develops team members and builds a work environment where team members are engaged and feel a positive sense of achievement about their role in the company. Works closely with Human Resources regarding employee relations, compensation, training, posting and filling vacant positions and other Human Resources related matters.

• Each team member is expected to be aware of risk within their functional area. This includes observing all policies, procedures, laws, regulations and risk limits specific to their role. Additionally, they should raise and report known or suspected violations to the appropriate Company authority in a timely fashion.

• Performs other related duties as required.

The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

PayHalal is an Ethical Employer supporting women in the workplace.

Minimum Education:

• Bachelor’s degree in Business Administration or related field or an equivalent combination of education and experience.

Minimum Experience:

• Eight years sales and sales management experience including development, implementation and management of business development program.

Required Knowledge, Skills, & Abilities:

• In-depth knowledge of various payment instruments from eWallets, credit cards, debit cards, bank transfers,ACH services, and compliance and regulatory issues

• Advanced understanding of the merchant acquiring industry

• Strong verbal and written communication skills

• Strategic thinking and leadership skills with strong abilities in relationship management

Interested candidates should email pat@payhalal.my

PayHalal World’s 1st Takaful payment processing specialist

PayHalal Takaful payment processing specialist

Serving the needs of your takaful customers often means outgoing payments to satisfy a claim or an annuity. Yet most customer touch points involve premium payments coming in. You need custom payments to ensure success.

Your Muslim customers share common concerns: is the takaful protection shariah compliant is the premium payment methods online is Islamic? they’re looking for added surety while expecting to protect their valuable assets, and do so quickly and easily.

Take payments. Your customers may want to make one-time payments, or spread payments out monthly or quarterly. They may want to pay online or over the phone, by credit card or directly via their bank account. How they pay tomorrow may differ from how they pay today. Will your business be ready to safely and conveniently accept payments? Customized insurance payment processing from PayHalal makes that possible. From home to business, health to commercial, casualty or property, we make processing payments compliant to shariah, easy, safe and fast.

Umbrella coverage for all your payment needs

Your business covers many different types of assets, and you need to be ready for the unexpected. Takaful Policy holders want to pay in all sorts of different ways, so you need to be prepared to accept all kinds of payments. PayHalal is ready with the people, Shariah Compliant tools, technologies and support to help you accept payments, safely and conveniently, no matter how your customers want to pay the Islamic way.

Accepting online payments has never been easier, starting with online bank transfer, debit cards and Islamic credit cards. Accepting payments online compliant to sharia is a strategic necessity for takaful companies.

The ability to pay online compliant to sharia is a prerequisite for many of today’s busy Muslim consumers. Thankfully, there are practical solutions that are simple to implement and easy to maintain, regardless of the size of your business.

Takaful businesses typically have long-standing relationships with their customers who make premium payments spread out over time. PayHalal offers Payment gateway services, cloud QR payment, invoice payment services, Whatsapp payment services to process recurring premium payments.

PayHalal Virtual QR terminal makes it easy to take payments over the phone. For larger takaful operators that process high volumes of phone payments, we offer payments integrated with interactive voice response (IVR) systems.

Online payments have revolutionized the insurance back-office, but many insurance companies still meet customers face-to-face. For in-person payments, simple online bank transfers, debit and credit cards virtual payment gateway areperfect for low-volume transactions.

Virtual point of sale terminal can be customized to handle higher volume businesses.

From the smallest single-person offices to the largest agencies serving insurance customers at scale, from simple customizable web templates to fully integrated virtual terminals, we have a right-sized payment solution for your customers.

Manage risk with secure payments

Working in the takaful industry starts with understanding the importance of assessing Shariah Non-Compliance and risk. When it comes to digital payments it’s critical to assess threats posed by data breaches, payment frauds and SNC risks such as Riba. With PayHalal you avoid risk altogether. You can, however, implement security best practices that reduce your risk exposure and help keep your insurance business (and your customers’ data) safe.

Operating a physical insurance office requires protecting physical assets with best practices like secure locks and alarm systems. Today, digital assets and payment services are critical assets that require protection. That’s where the trusted payments partner can help.

We partner with insurance companies around the world to keep your business—and your customers—safe from bad actors. We’ll work with your business to implement the latest in payment security including state of the art tools, technologies, and equipment.

The only Shariah Compliant Payment Gateway that eliminates Shariah Non-Compliant transactions

PayHalal is the only Shariah Compliant Payment Gateway that eliminates Shariah Non-Compliant transactions which saves billions in profits for our clients in charitable. PayHalal checks the halal status of the takaful products and services against those in PayHalal’s HalalCart database. Transactions involving the purchase of products or services classified as haram will be rejected outright while theproducts or services classified as “doubtful” (i.e., it is unclear whether they are halal or haram) will only be allowed after agreeing during the “akad” process to assume responsibility for the risk associated with their use or consumption.

PayHalal also used a form of artificial intelligence (AI) known as “robo advisory” to determine if any activity on the PayHalal payment gateway has involved the use of Shariah non-compliant funds. For example, some customers may have paid for purchases using a non-Islamic credit or debit card, tainting the funds collected by PayHalal. The robo advisory analyzes transaction data and produces a report for PayHalal indicating all instances of Shariah non-compliance. The report includes the robo advisory’s recommendations regarding how such instances should be treated. In some cases, the recommendation may involve “cleaning” the funds by donating them to charities or to the poor. PayHalal’s Shariah Advisory Committee would review the robo advisory report and make a decision regarding the disposition of the funds.

The SNC Technology is built on with expendable function. The AI is able to analyze data’s and convert it to understanding according to Shariah diagnosis. From them, the system will issue a treatment advice the final decision will have to come from the Shariah panel from PayHalal on executing a treatment recommended by the SNC AI.

From EMV Shariah Compliant technologies to sophisticated online fraud detection, our secure payment solutions help ensure that you protect what you earn. We’ll help protect your business by navigating industry regulations, including PCI Compliance.

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Bahaya Riba dalam transaksi eCommerce

Riba merupakan perkataan Arab yang berasal daripada kata kerja “Raba”, yang bermaksud ‘tumbuh’, ‘melampaui’, dan ‘meningkat’. Ini merangkumi faedah yang dibayar oleh Bank atau pinjaman seperti pinjaman rumah, pinjaman kereta atau hutang kad kredit termasuk faedah tidak langsung melalui pembelian.
Terdapat banyak bukti yang menunjukkan bahawa riba adalah haram dan merupakan antara sebahagian daripada dosa besar dalam Islam.
 Ayat ini jelas melarang riba bagi mereka yang benar-benar beriman kepada Allah dan Al- Quran: (Surah Al-Baqarah: 275)
“…Allah telah menghalalkan jual beli dan mengharamkan riba…”
 Allah mengisytiharkan perang bagi mereka yang mengamalkan riba: (Surah Al-Baqarah: 278-279)
“Wahai orang-orang yang beriman! Bertaqwalah kamu kepada Allah dan tinggalkanlah saki baki riba, jika benar kamu orang- orang yang beriman. Oleh itu, kalau kamu tidak juga melakukannya, maka ketahuilah kamu: akan adanya peperangan dari Allah dan RasulNya…”
 Riba adalah haram dalam semua aspek, seperti yang dikatakan oleh Nabi Muhammad SAW (Hadis Riwayat Muslim),
“Allah telah melaknat orang yang memakan riba, orang yang memberikannya, orang yang menyaksikannya, dan orang yang mencatat transaksi itu.”
Ibn Qayyim membincangkan persoalan menegnai riba yang menjadi teras dalam amalan perbankan dan kewangan konvensional dan beliau menyatakan bahawa amalan riba sangat bertentangan dengan amalan zakat dan sadaqah. Ibn Qayyim memetik dalam surah al-Baqarah ayat 276 yang bermaksud;
“Allah susutkan riba dan Ia pula mengembangkan sedekah-sedekah dan zakatnya..”
Ibn Qayyim membahagikan riba kepada dua bahagian, iaitu Riba al-Fadl dan Riba al-Nasiah. Namun, penulisan ini lebih memfokuskan kepada Riba al-Fadl.
Riba al-Fadl
Riba al-Fadl merupakan antara salah satu riba yang diakui oleh para Ulama’. Larangan riba ini adalah berdasarkan Sunnah Rasulullah SAW. Oleh itu, ia juga disebut sebagai Riba al-Hadith. Riba al-Fadl merujuk kepada kelebihan atau kenaikan yang diambil daripada pertukaran komoditi homogen atau barangan ribawi dan ianya terdapat dalam pembelian serta penjualan mereka. Ini dijelaskan dalam hadis Nabi:
Hadis yang menerangkan tentang syarat-syarat bertransaksi dengan item ribawi adalah seperti berikut; “Emas (harus ditukar atau diniagakan) dengan emas, perak dengan perak, gandum dengan gandum, barli dengan barli, kurma dengan kurma, garam dengan garam,

mestilah sama timbangan, dan ditukar secara terus (dalam satu masa) dan sekiranya (tukaran berlaku antara komoditi) berlainan jenis, maka berjual-belilah kamu sebagaimana yang disukai jika ia dilakukan dalam bentuk tunai.” (Hadis riwayat Muslim)
Sebagai contoh:
Riba Tradisional: Menukarkan 15gram emas 916 kepada 10gram emas 999; walaupun kualitinya berbeza, tetapi kerana kedua-duanya berwarna emas, maka beratnya mesti sama semasa pertukaran.
Riba Moden: Dividen yang diberikan kepada pendeposit Bank juga dianggap sebagai Riba. Ini kerana wang yang dimasukkan ke dalam akaun pendeposit dianggap sebagai pinjaman kepada Bank oleh pelanggan dan akan digunakan sebagai sumber dana kepada Bank untuk pelaburan mereka. Amalan Riba moden di sektor perbankan berkait rapat dengan Riba al-Fadl kerana peminjam wajib membayar lebih daripada apa yang dipinjam dan pembayaran dilakukan pada masa hadapan.
Kenapa Riba Haram?
Sebab utama Riba adalah haram kerana Allah telah menyatakannya dalam Al-Quran. Selain itu, para Ulama’ Muslim telah mengemukakan alasan seperti berikut, mengapa riba itu haram:
 Riba adalah salah satu penyumbang utama kepada inflasi.
 Riba boleh menyebabkan trauma dan kemurungan kepada seseorang akibat hutang yang
meningkat.
 Riba bertentangan dengan semangat persaudaraan dan simpati, serta penyebab kepada
penindasan antara satu sama lain.
 Riba mewujudkan monopoli dalam masyarakat, di mana orang kaya dihargai dan terus
menjadi kaya, sementara mereka yang tidak, dipaksa membayar tambahan.
 Riba adalah keuntungan yang pasti tanpa kemungkinan berlakunya kerugian, oleh itu semua risiko ditanggung oleh peminjam dan bukannya berkongsi risiko serta keuntungan
dengan kedua belah pihak.
Bagaimana saya boleh mengelak dari Riba?
 Membuka akaun bank tanpa riba seperti menjadi pelanggan perbankan Islam sahaja.
 Tidak melibatkan kontrak yang menetapkan riba, walaupun seseorang itu ingin membayar
tepat pada waktunya.
 Tidak membeli perlindungan insuran tetapi lebih memilih produk takaful.
 Sewa sekiranya tidak mampu membeli sesuatu dan pastikan sewaan tersebut dilakukan
tanpa riba.
 Menerima / mengatur “pinjaman yang baik” (Qard al-Hasan), yang merupakan pinjaman
dengan cara seseorang itu berniat untuk menunjukkan kebaikan kepada orang lain, yang tidak melibatkan pengambilan riba.

Riba boleh berlaku melalui Gerbang Pembayaran Konvensional
Pada masa kini, teknologi terus berkembang seiring dengan peredaran masa. Gerbang Pembayaran merupakan antara salah satu kemudahan yang diwujudkan dan digunakan sesuai dengan perkembangan teknologi semasa. Gerbang Pembayaran adalah perkhidmatan yang disediakan oleh penyedia perkhidmatan aplikasi e-dagang kepada para peniaga atau yang mana ianya membenarkan kad kredit atau proses pembayaran dilakukan secara langsung untuk perniagaan dan peruncit dalam talian. Apabila pelanggan memesan sesuatu produk dari peniaga yang menggunakan gerbang pembayaran, gerbang pembayaran akan melakukan pelbagai tugas untuk memproses transaksi tersebut.
Riba dalam transaksi jual beli juga boleh berlaku melalui gerbang pembayaran konvensional. Hal ini berlaku melalui keuntungan yang diperoleh daripada mengenakan faedah atas modal. Nilai masa adalah asas untuk mengenakan faedah atas wang atau modal. Faedah dikenakan walaupun organisasi mengalami kerugian dengan menggunakan dana bank. Oleh itu, ia sama sekali tidak berdasarkan kepada konsep untung dan rugi. Selain itu, bank konvensional juga menggunakan wang sebagai komoditi yang mendorong kepada berlakunya inflasi.
Gerbang Pembayaran Islam PayHalal TM
Seperti yang kita ketahui, riba langsung berasal daripada aktiviti meminjam atau menerima faedah daripada deposit, tetapi kami ingin menarik perhatian anda pada Riba al-Fadl yang berlaku hampir setiap hari melalui transaksi jual beli dan bagaimana anda dapat menjauhinya dengan menggunakan PayHalalTM.
PayHalalTM adalah gerbang pembayaran Islam patuh Syariah pertama di dunia yang memudahkan semua transaksi pembayaran pengguna dengan menghilangkan unsur-unsur seperti Riba’, Gharar dan Maisir. PayHalalTM menawarkan penyelesaian pembayaran patuh Syariah seperti WebPay, MobilePay, Offline Payment termasuk LinkPay seperti SocialPay, EmailPay, QRPay dan e-Wallet yang menjadikan prosesnya lebih mudah.
PayHalalTM menggunakan konsep kecerdasan buatan (Artificial Intelligence) yang dikenali sebagai “penasihat robo” untuk menentukan sama ada aktiviti di gerbang pembayaran PayHalal melibatkan penggunaan dana yang tidak patuh Syariah. Sebagai contoh, sebahagian pelanggan mungkin telah membuat pembayaran menggunakan kad kredit atau debit bukan Islam, dengan menggunakan dana yang dikumpulkan oleh PayHalalTM. Penasihat robo akan menganalisis data transaksi dan menghasilkan laporan untuk PayHalalTM yang mana ianya akan menunjukkan semua keadaan yang tidak patuh Syariah. Laporan tersebut merangkumi cadangan penasihat robo mengenai bagaimana keadaan seperti itu harus ditangani. Dalam beberapa kes, cadangan tersebut mungkin melibatkan “pembersihan” dana dengan menyumbangkannya kepada badan amal. Dr. Yusuf Al-Qaradawi menyatakan bahawa harta haram tidak boleh dimiliki oleh sesiapa pun secara khusus tetapi ia adalah milik maslahah ʻammah (kepentingan umum). Jawatankuasa Penasihat Syariah PayHalalTM akan mengkaji laporan penasihat robo dan membuat keputusan mengenai pembersihan dana tersebut.
Teknologi SNC (Shariah Non-Compliant) ini dibina berdasarkan fungsi yang dapat dibelanjakan. AI dapat menganalisis data dan mengubahnya menjadi pemahaman menurut diagnosis Syariah. Dari itu, sistem akan mengeluarkan nasihat dan rawatan. Keputusan akhir akan diambil dari panel Syariah PayHalalTM untuk melaksanakan rawatan yang disarankan oleh SNC AI.

“Untuk maklumat lebih lanjut, hubungi kami di salam@payhalal .my atau melalui telefon + 603-2011 8088”

Heck No To Riba

‘Riba’ can be roughly translated as “usury”, or unjust, exploitative gains made in trade or business under Islamic law. Riba is mentioned and condemned in several different verses in the Qur’an.

Riba comes from an Arabic noun which is from the verb Raba, meaning ‘to grow’, ‘to exceed’, and ‘to increase’. It includes interest which is paid by banks or on loans such as home loans, car loans or credit card debt including indirect interest through purchase.

There is a lot of evidences showing that riba is haram and one of the most serious sins in Islam.❖ This verse clearly prohibits riba for those with true faith in Allah and the Quran: (Surah Al-Baqarah: 275)

“…Allah has permitted trade and has forbidden riba.”❖ Allah declares war for those who deal with riba: (Surah Al-Baqarah: 278-279)

“O you who believe, fear Allah and give up what remains of your demand for riba, if you are indeed believers. If you do it not, take notice of war from Allah and His Messenger.”❖ Riba is haram in all of its aspects, as the Prophet (peace be upon him) said (Hadith Narrated by Muslim),

“Allah has cursed the one who consumes riba, the one who gives it, the one who witnesses over it, and the one who writes down the transaction.”

Ibn Qayyim discusses the question of riba which is the core in conventional banking and financial practices and he states that the practice of riba is very contrary to the practice of zakat and sadaqah. Ibn Qayyim quoted verse 276 in surah al-Baqarahwhich means;

“Allah destroys riba and gives increase for charities(Sadaqah)..”

Ibn Qayyim divided riba into two types, which are Riba al-Fadl and Riba al-Nasiah. However, this writing focuses more on Ribaal-Fadl.

Riba al-Fadl

Riba al-Fadl is one of the recognized riba by Scholars. The prohibition of this riba is based on Sunnah. Hence, it is also called Riba al Hadith. Riba al-Fadl refers to the excess or increase which is taken in exchange of specific homogeneous commodities and encountered in their hand-to-hand buy and sell. This is explained in the famous Hadith:

It is related that, Abu Said al-Khurdi said: The Prophet Muhammad (peace be upon him) has said that gold in return for gold, silver for silver, wheat for wheat, barley for barley, dates for dates and salt for salt, can be traded if and only if they are in the same quantity and that is should be hand to hand. If someone gives or takes more, then he is involved with riba and accordingly has committed a sin.

For example:

Traditional Riba: Convert 15gram of 916 gold to 10gram of 999 gold; although the quality is different, but since both are gold, then the weight must be the same during the exchange.

Modern Riba: Dividend that granted to the depositors of the Banks is also considered as Riba. This is because the money which deposited into the depositor’s account is considered as loan to the Bank by the customer andwill be used as a source of funds to the Bank for their investment. This practice of modern Riba in the banking sector relates to Riba al-Fadl because the borrower is obligated to pay more than he borrowed and repayment will take place in the future.

Why Riba is Haram?

The main reason that Riba is haram is because Allah states it so. Besides that, the Muslim Scholars have suggested the following reasons why riba is haram:• Riba is one of the main contributors to inflation.• Riba can cause trauma and depression as debt increases.• Riba is contrary to the spirit of brotherhood and sympathy, and cause of oppression of each other.• Riba creates a monopoly in society, where the rich are valued for being rich, while those who are not forced to pay extra.• Riba is a definite profit without any possibility of loss, therefore all risks are borne by the borrower, rather than sharing the risk and profit with both parties.

How can I avoid or Riba?• Opening up riba-free bank accounts such become an Islamic banking customer only.• Not involve into contracts that stipulate riba penalties, even though one intends to pay on time.• Not buying insurance but prefer to choose takaful products.• Rent if cannot afford to buy something and make sure the rental is done without usury.• Accepting/organizing a “goodly loan” (Qard al-Hasan), which is a loan by means of which one intends to show kindness to another, which does not involve taking riba.

Riba can happen via conventional Payment Gateway

Nowadays, technology continues to evolve in line with the passage of time. Payment gateway is one of the facilities created and used in accordance with current technological developments. Payment gateways are merchant services provided by e-commerce application service providers that allow credit card or direct payment processing for e-businesses and online retailers. When a customer orders a product from a merchant using a payment gateway, the payment gateway will perform various tasks to process the transaction.

Riba in purchase transactions also can happen via conventional payment gateway. It’s happened through profit that earned by charging interest on capital. Time value is the basis for charging interest on money or capital. Interest is charged even in case the organization suffers losses by using the banks funds. Therefore, it is not based on profit and loss sharing at all. Besides that, Conventional banks use money as a commodity which leads to inflation.

PayHalal™ Islamic Payment Gateway

Everyone knows direct riba which comes from borrowing or receiving interest on deposits, but we like to draw your attention on Riba al-Fadl which happens daily through sales transactions and how you can avoid it with PayHalal™.

PayHalal™ is the World’s First Shariah compliant Islamic payment gateway, that facilitates all payment transactions by eliminating Riba’, Gharar and Maysir. PayHalal™ offers Shariah Compliant payment solution such as WebPay, MobilePay, Offline Payment including LinkPay such as SocialPay, EmailPay, QRPay and e-Wallet making the process convenient.

PayHalal™ uses a form of artificial intelligence (AI) known as “robo advisory” to determine if any activity on the PayHalal™ payment gateway has involved the use of Shariah non-compliant funds. For example, some customers may have paid for purchases using a non-Islamic credit or debit card, tainting the funds collected by PayHalal™. The robo advisory analyzes transaction data and produces a report for PayHalal™ indicatingall instances of Shariah non-compliance. The report includes the robo advisory’s recommendations regarding how such instances should be treated. In some cases, the recommendation may involve “cleaning” the funds by donating them to charities. Dr. Yusuf Al-Qaradawi states that illegal property cannot be owned by anyone specifically but instead it belongs to maslahah ʻammah (public interest). PayHalal™ ’s Shariah Advisory Committee would review the robo advisory report and make a decision regarding the disposition of the funds.

The SNC Technology is built on with expendable function. The AI is able to analyze data’s and convert it to understanding according to Shariah diagnosis. From them, the system will issue a treatment advice the final decision will have to come from the Shariah panel from PayHalal™ on executing a treatment recommended by the SNC AI.

If you’re a Muslim consumer, insist your favorite eCommerce store or retailer to have PayHalal™ payment gateway to protect you from Riba.

“For more information, contact us at salam@PayHalal™ .my or via phone +603-2011 8088”