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All Journal Proceeding of International Conference on Humanity Education and Society
Yovita Dyah Permatasari
Al Falah As-Sunniyyah University, Jember, Indonesia
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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EQUIVALENCE OR DISTORTION? A CRITICAL DISCOURSE ANALYSIS OF SHARIA TERMINOLOGY IN AL RAYAN BANK, UNITED KINGDOM Uliyatul Mu’awwanah; Yovita Dyah Permatasari; M. Bustanul Ulum; Dovi Iwan Musthofa Habibillah; Faisol Hakim
International Conference on Humanity Education and Society (ICHES) Vol. 5 No. 1 (2026): The 5th International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

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Abstract

Islamic banks operating in secular environments like the UK face a complex communication challenge: how to maintain a strict Sharia identity while appealing to a mass market often skeptical of religious symbols. This study addresses this issue by analyzing the translation and adaptation strategies of Sharia contracts at Al Rayan Bank UK. Adopting an interdisciplinary approach combining linguistics and Islamic economics, this study applies Fairclough’s Critical Discourse Analysis (CDA) to examine textual data from the bank's official website. The analysis focuses on two key phenomena: the branding shift from "Islamic" to "Ethical," and the conversion of technical terminology like 'Murabahah' into 'Home Purchase Plan.' Findings indicate that the bank employs a "Strategic Adaptation" strategy through linguistic domestication techniques. Arabic terms are replaced with neutral English equivalents to reduce cultural barriers. However, the study confirms that Sharia substance remains protected through precise linguistic qualifications, such as the use of "Expected" for profit rates, which legally affirms the risk-sharing principle and rejects fixed interest schemes. In conclusion, these terminological changes are not theological distortions but vital communication innovations. This research recommends this language adaptation model as a reference for global Islamic financial institutions in bridging Sharia compliance with modern market inclusivity.
Co-Authors Dovi Iwan Musthofa Habibillah Faisol Hakim M. Bustanul Ulum Uliyatul Mu’awwanah