2- Indonesia and Malaysia have different approach in the establishment Islamic bank. Please explain their approach and why? What is the first Islamic bank in Indonesia and Malaysia and when it was launched?

3- Ali sells his car (Camry) to his friend, Rashid, for OMR 10,000 (ten thousand) because he needs money. He received instant cash from Rashid. Since Ali needs the car for his daily activities, he ask Rashid to sell the car back to him at OMR 12,000 (twelve thousands ) on installment basis for 2 years paid on monthly basis (OMR 500/month).

What kind of contract contracted by Ali and Rashid? Is it permissible from Sharia? What is your suggestion to Ali if he needs cash for argument matters?

4- Umar takes car financing from ABC Islamic bank under the contract Ijarah Thumma Al-Bay (rent with purchase) for a period of 5 years. The price of the car is OMR 20,000 (twenty thousand), every month, Umar shall pay a rental of OMR 417 to the bank. Unfortunately, on the month of 55, he failed to pay the rental.

What is Ijarah Thumma Al-Bay? Please solve the case of Umar and ABC Islamic bank?

5- XYZ Islamic bank provided housing finance to his customer, Ahmed. XYZ Islamic bank and Ahmed agreed to do the transaction under Diminishing Musharakah for a period of 10 years. The price of the house is OMR 250,000 (two hundred and fifty thousand), Ahmed will contribute 20% and bank will contribute 80%.