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Glossary

New to Islamic Finance or Halal Investment in Australia?

Our comprehensive glossary is designed to help you understand key terms related to Islamic loans, sharia compliant property finance, and halal investment in Australia. Whether you’re exploring halal finance solutions and want to understand the difference between Ijarah finance and Murabaha finance, or you’re looking to deepen your knowledge of sharia compliant Islamic finance principles, this resource provides clear, concise definitions to support your journey toward halal finance in Australia.

A

AAOIFI

The Accounting and Auditing Organisation for Islamic Financial Institutions, responsible for setting Sharia compliant standards...

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Aqd

Arabic term for a contract or agreement, fundamental in Islamic finance for outlining the terms...

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Asset Allocation

Strategy of dividing investments among different asset classes, such as cash, bonds, residential property, commercial...

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Assets

Things of value owned by a person or company, such as cash, vehicles, real estate,...

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B

Balance Sheet

Financial statement showing a entity’s (partnership, company or trust) assets, liabilities, and equity at a...

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Bear Market

Market condition characterised by declining prices, often leading to pessimism and reduced investment. 

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Bull Market

Market condition characterised by rising prices, often leading to optimism and increased investment. 

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C

Capital

Financial assets or the financial value of assets, used to fund business operations and investments. 

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Cash Flow

Movement of money into and out of a business, crucial for maintaining liquidity and funding...

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D

Deflation

The opposite of inflation, characterised by falling prices, which can lead to reduced economic activity. 

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Depreciation

The loss of value of an asset over time, often due to wear and tear....

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Diminishing Musharakah

Diminishing Musharakah is a sharia compliant Islamic finance structure commonly used in Australia, for SMSF...

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Diversification

Investment strategy of spreading investments across different asset classes or different segments within the same...

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Dividend

Payment made by a company to its shareholders from profits, providing a return on investment. 

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E

Equity

Ownership interest in a company, represented by shares, indicating a shareholder's stake in the company's...

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Exorbitant Returns

Promises of high returns with minimal or no risk, often a red flag for fraudulent...

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G

Gharar

An Islamic finance term that refers to excessive uncertainty or risk in a contract, discouraged...

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H

Halal

Permissible under Islamic law, including financial products and investments.

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Haram

Forbidden under Islamic law, including certain financial practices and investments.

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Hawalah

An informal system of transferring money or debts based on trust, often used for remittances.

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Hedge

Investment to reduce the risk of adverse price movements, protecting against potential losses.

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