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Hire Purchase Under Shirkah al-Milk (HPSM) in Islamic Banking and Finance: A Shari'ah Analysis
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HPSM is a modern financial contract that comprises shirkah (partnership), ijarah (lease), and sale contracts. In the HPSM contract, ownership of the asset is jointly held by the bank and the client. The client makes regular instalments. During the contract, the client is granted to use the asset as long as he meets specific conditions. Upon the completion of all instalments, the asset becomes the property of the client.
This book seeks to shed light on the fundamental concept of HPSM, inclu...
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