islamic finance is not for muslim alone, but it with its universal characters offers benefits for ALL regardless of one's religion, race, nationality, gender or even status.
thus, the ownership, development, decision making, management, operation, marketing & distribution may not necessarily be confined among muslim only, but be enjoyed by non-muslim too, so long every components of islamic finance are assured in total compliance with the principles of Shari'ah.
hence, an unjustifiable discrimination may slower the spirit of the growth of islamic finance, despite being designed for the benefits of the humanity (Ummah) across the globe.
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