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This article is divided in to two sections: the first one; is to study of Ḥawāla according to Fiqhi rules, i. e. its definition, conditions, its qualities and its specifications. In the second part, Ḥawāla is discussed according to application of the Bank, and its practical forms in different institutions. Ḥawāla is a contract in which a party or a person transfers his debt from his risk to another party or another person. Ḥawāla is used for different purposes, for example, bill of exchange, Financial Papers and different Banking accounts. This paper also discusses the difference between Ḥawāla and wakālah, Ḥawāla and Kafāla, and also Ḥawāla and Debt. Therefore, analysis, about Ḥawāla is very essential and many studies have been done on it. Furthermore, it will also critically provide their textual evidence and rational arguments in order to reach a financial juristic judgment. Ḥawāla is used in credit card, discounting of bill of exchange, etc. At the end the paper discusses its conclusion and offers some requests and suggestions.
شفقت اللہ , خدیجہ عزیز. (2019) حوالہ کا فقہی تصور اور اس کی جدید صورتیں, Bannu University Research Journal in Islamic Studies, Volume 6, Issue 1.
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