E1BINDEX 10/28/2009 13:23:43 Page 391
Oil
and Arab-Israeli War, 97, 193
and end of gold standard, 97, 98
investment in oil stocks, 366, 367
price of and reference commodities, 50,
108, 110, 113, 114, 116–118, 125,
126
surge of dollars to oil-producing
countries in 1973, 62, 75, 76, 193
Other real estate owned (OREO), 206,
211, 232
Overconsumption, 144Paulson, Henry, 133
Pawn (rahn), 213, 261, 262
Politicians, 238, 239
Poor and needy
helping, 32–39, 143
loans to, 21, 22, 24, 25, 27–29, 32–35
Precious metals as reference commodity,
48–50.See alsoGold; Silver
Prepayment, 267
Privacy policy, 175–178, 334
Private mortgage insurance (PMI), 277
Private property and ownership rights, 143
Professionalism, 149
Profit and loss
accounting for, 205
participation in, 214, 231, 250
use of interest rate to calculate profit,
205, 210
Promise (waad), 208, 209, 215–218, 220
Property
right to lease or rent (haq al manfa’aa),
215
right to own title to (milk ul raqabah),
215, 260, 261
right to use or operate (usufruct), 56, 57,
215, 260, 261
Prudent investment
calculation of, 264
as duty to God, 32
investment banks, 160
and investment in community, 147.See
alsoCommunity
profitable transactions, 227
return on capital, 252
return on investment, 259and RF banking, 197, 249, 252, 257,
259, 264, 276, 295, 300, 377
and use of commodity indexation, 102,
105
and use of mark-to-market rule, 102,
105
Public charitable trust, 360–363Qard hassan (good loan), 18, 20, 230, 258,
259
Qard (loan), 18, 19, 227, 228, 230, 258,
259, 346
Qur’aan
as source of Shari’aa, 64–66
teachings of, 13–18, 21, 31–34, 36,
38–43Rahn (pawn), 213, 261, 262
Records, retaining, 171, 181
Reference commodities, 201, 229, 235.See
alsoCommodity indexation; Mark-
to-market rule
food staples, 48–51, 53, 84, 120–122
gold, 49, 50, 52, 56, 106, 108–110,
122–128, 366–368
overview, 10
precious metals, 48–50, 84
rice, 120–122, 125, 127
silver, 49, 50, 56, 106, 108
wheat, 98, 99, 106–108, 110, 112–114,
121, 122, 125, 128
Regulation B, 169–172
Regulation BB, 179, 180
Regulation C, 172–174
Regulation CC, 186
Regulation D, 174, 175, 232, 348, 349
Regulation DD, 180
Regulation H, 181
Regulation O, 175
Regulation P, 175–178
Regulation Q, 174, 232, 348
Regulation Z (Truth in Lending), 56, 178,
179, 210, 232, 269, 284
Regulations.SeeBanking laws and
regulations
Relgious leaders, 235–237
Religious scams, 248, 249
Rental value, 128, 129, 259, 263, 266, 269Index 391