This fatwa defines the transferral of a debt as moving a customer's debt from a conventional bank/financial institute to a shari'a bank/financial institute. It also defines al-Qardh as a loan agreement from a shari'a financial institute to a customer on the condition that the customer returns the principal sum of the loan to the shari'a financial institute within the agreed upon time. It provides four ways in which a debt may be transferred in a shari'a-friendly manner.