The amount of money which is paid to the seller in a murabaha transaction upon the request of the purchase orderer in order to make sure that the orderer is really willing in his order of the good/ asset to purchase it once it is available with the seller. This request involves a promise (binding or non-binding) issued by the potential buyer to pay the remaining portion of the sale price and take delivery of the underlying item. However, if the promise is binding and the purchase orderer chooses not to proceed with the purchase, the actual loss incurred by the seller (who has purchased the asset in order to resell it) shall be covered using hamish aljiddiyyah.
Hamish aljiddiyyah differs, in this sense, from urboun, in that it (urboun) goes to the seller whether the buyer proceeds with the sale or not. With hamish aljiddiyyah, the actual loss on the seller is made good, and the remaining amount shall be given back to the potential buyer (the purchase orderer).
