Pdf on jan 1 2005 saiful azhar rosly published critical issues on islamic banking and financial markets islamic economics banking and finance investments takaful and financial planning . Critical issues on islamic banking and financial markets islamic economics banking and finance investments takaful and financial planning. Critical issues on islamic banking and financial markets islamic economics banking and finance invesrments takaful and financial planning. This book examines the principles and practices ofislamic banking and financial markets particularly from the malaysian experience the main objective of islamic financial system is to govern the flow of funds from the surplus sector to the deficit sector and it does so to promote justice adalah that is by adhering to shariah principles and achieving efficiency doing the right thing . Critical issues on islamic banking and financial markets islamic economics banking and finance investments takaful and financial planning by saiful azhar rosly