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Based on the article title Do Islamic Banks Act Islamic During Covid-19 Pandemic? by Amir Shaharuddin, please answer the following question. a. Analyze how the

Based on the article title Do Islamic Banks Act Islamic During Covid-19 Pandemic? by Amir Shaharuddin, please answer the following question.

a. Analyze how the moratorium is implemented in Islamic banks particularly for the Ijarah vehicle financing facility. (20 marks)

b. It is found that the criticism that labeled Islamic banks as un-Islamic when they impose additional installment after the expiry of the moratorium period an unjustified opinion. Do you agree with this statement? Discuss your answer. (20 marks)

can someone help me to answer this question, thank you

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