...Fathullah Asni Purpose This paper aims to investigate the differences in the practice of tawarruq munazzam contracts based on personal financing products. The researcher will then analyse the said differences based on the potential for risk to occur and risk from a Shariah perspective...

... financing. The study will also propose a solution to the problem of differences and simultaneously standardise personal financing contracts in Malaysia. Design/methodology/approach The methodology of this study is qualitative, in which the data are collected through library research and field studies...