The Number of Appearance

The purpose of this study is to check the tendency of Islamic bank in using the term. The study is expecting the banks are at least using ijarah related words more often compared to the ‘lease’ related words.

The study believes that a common understanding of ijarah term will make the concept of purely ijarah will be understandable across the board. The ijarah will be understood as an Ijarah itself without any association to the conventional leasing in which the mirroring to the conventional terms will lead to the misconception in a lay man’s head, or in other words, the conventional understanding of leasing will come first and this will indoctrinate his mind.

The hadith narrated by Ad-Dailami with a weak sanad (the chain of narrators) from Ibn Abbas stated that:

أمرنا أن نكلم الناس علي قدر عقولهم

“We are instructed to talk to people based on their understanding”

One of the benefits that can be extracted from the above hadith is the important of having the common understanding of any message between the communicators and the recipients. There are three (3) matters involved in a proper communication which are communicator, recipient and message. However, the common understanding is the main element in tying up these three matters.

The following is the schedule of analysis:-

No.	Name	Times	Times	Names using
1.	Bank islam Malaysia Berhad	4 (2 english and 2 malays	Lease – 18 Leasing – 2 Hire purchase – 0	Ijarah and Ijarah Muntahiah Bittamlik
2.	Bank Muamalat	6	Lease – 14 Leasing – 7 Hire purchase -12	AITAB and Ijarah
3.	Amislamic bank berhad	2	Lease – 5 Leasing- 0 Hire purchase – 2	AITAB and Ijarah
4.	Alrajhi Banking & Investment Corporation (Malaysia) Berhad	1	Lease – 7 Leasing 0 Hire purchase – 0	Ijarah Rental
5.	Affin Islamic Bank Berhad	4 (2 in annual report and 2 in brochure inside the annual report)	Lease – 3 Leasing – 0 Hire purchase – 3	AITAB and Ijarah
6.	Alliance Islamic Bank Berhad	2	Lease – 75 Leasing -2 Hire purchase – 10	AITAB
7.	Maybank Islamic Berhad	2	Lease – 3 Leasing -0 Hire purchase – 3	AITAB and Ijarah Muntahiyyah Bittamlik
8.	Public Islamic Bank Berhad	3	Lease – 6 Leasing – 1 Hire purchase - 17	Alijarah Thamma Al-Bai
9.	Kuwait Finance House	33	Lease – 14 Leasing – 3 Hire purchase – 1	AITAB and Ijarah Muntahiyyah Bittamlik
10.	CIMB Islamic Bank	7	Lease – 45 Leasing – 0 Hire purchase – 5	AITAB and Ijarah Muntahiyyah Bittamlik
11.	Hong Leong Islamic Bank Berhad	2	Lease – 5 Leasing - 0 Hire purchase – 2	Ijarah, Ijarah Muntahiyyah Bittamlik/AITAB
12.	RHB Islamic Bank Berhad	1	Lease – 16 Leasing -2 Hire purchase – 4	Ijarah
13.	HSBC Amanah Malaysia Berhad	3 (put on bracket as a lease or hire purchase)	Lease- 19 Leasing –  1 Hire purchase- 4	Ijarah and Ijarah Tummalbai
14.	Standard Chartered Saadiq Berhad	3	Lease- 3 Leasing –  0 Hire purchase- 3	Ijarah Thummalbai
15.	Asian Finance Bank Berhad	1	Lease – 1 Leasing -0 Hire purchase – 1	Ijarah
16.	OCBC Al-Amin	1	Lease – 7 Leasing -1 Hire purchase - 2	Al-Ijarah Thummal Al Bai

Overall, all the Islamic banks are willing to use the conventional term i.e. lease/leasing and hire purchase instead of ijarah terminology. It is also found that the bank has a tendency to use the words AITAB and Ijarah Muntahiyyah Bit Tamleek interchangeably. In this situation, the study suggests that an effort of standardizing the working definition of Ijarah by any Islamic movement needs to be done. This effort will contribute to the domination of real Islamic Ijarah in action and operation.