Category talk:Interactive narrative

Penalty charge will imposed on the customers who fail to meet their obligation to pay their financing based on several conditions. Charging penalty helps in maintaining a credit discipline in the banking and act as a deterrent against debts becoming bad or unrealizable. However, the Bank cannot use the income generated from the penalty charges or the penalty charges that have collected from customer cannot become source of income or shall not be invested by the Bank in any manner i.e. any means to define and record penalty charge as an income to the bank shall be deemed to be non-Shariah compliant. According to the Shariah principle, the penalty charges or ghamarah collected from customers (partners) in late payments or for other various reasons shall be channelled to charitable organizations that are officially approved. For the reason, the Bank required to have a separate account to facilitate proper administration and governance of penalty charge and shall be put as ‘liabilities’ in the balance sheet then, it makes possible to track and identify the source of penalty charges more effectively. 196.188.127.88 (talk) 12:07, 4 January 2024 (UTC)[reply]

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Penalty charge will imposed on the customers who fail to meet their obligation to pay their financing based on several conditions. Charging penalty helps in maintaining a credit discipline in the banking and act as a deterrent against debts becoming bad or unrealizable. However, the Bank cannot use the income generated from the penalty charges or the penalty charges that have collected from customer cannot become source of income or shall not be invested by the Bank in any manner i.e. any means to define and record penalty charge as an income to the bank shall be deemed to be non-Shariah compliant. According to the Shariah principle, the penalty charges or ghamarah collected from customers (partners) in late payments or for other various reasons shall be channelled to charitable organizations that are officially approved. For the reason, the Bank required to have a separate account to facilitate proper administration and governance of penalty charge and shall be put as ‘liabilities’ in the balance sheet then, it makes possible to track and identify the source of penalty charges more effectively. 196.188.127.88 (talk) 12:09, 4 January 2024 (UTC)[reply]