Table 3

SSB competence

SSB competence
RequirementsSSB competence as a requirementSSB should have at least three members who are qualified in Fiqh Muamalat and have experience in accounting and financing (Bank Governance Guidelines of Yemen, 2014, p. 34)
  Bank 1Bank 2
Actual PracticesSSBBachelorPhD holder
Educational level found(SSB members CV)(SSB member’s CV)
SSB knowledgeFiqh Muamalat, Awqaf, Sharīʿah and law, planning
(SSB members’ CVsLiterature, Islamic finance (SSB members’ CVs)
Being updated with latest fatwa and standardsNo (Sharīʿah supervisory report, 2008)-(Yes) Discuss fatwa book (No 2, 2009) (No 4, 2009) (No 7, 2009) (SSB report, 2007)
SSB members’ work experienceVaried (SSB members’ CVs)Varied (SSB members’ CVs)
RequirementsSharīʿah auditor competence as requirementsBased on the Banks Governance Guidelines of Yemen (2014) that banks should provide the internal Sharīʿah auditing department with qualified auditors
  Bank 1Bank 2
Actual practicesEducational levelBachelor’s (internal Sharīʿah auditor’s CV)PhD (internal Sharīʿah auditor’s CV)
KnowledgeSharīʿah and Fiqh (internal Sharīʿah auditor’s CV)Comparative jurisprudence, Islamic studies, Sharīʿah (internal Sharīʿah auditor’s CV)
ExperienceVaried (internal Sharīʿah auditor’s CV)Varied (internal Sharīʿah auditor’s CV)

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