This fatwa applies to those shari'a banking customers who default on contractual repayments. It notes that customers who default because of a force majeure may not be sanctioned, however, those who default for other reasons within their control may incur a financial sanction. The fatwa states that such sanctions are based on the principle of ta'zir, that being a sanction with the intent of ensuring the customer is more disciplined in executing their contractual obligations.