This article analyses the relationship between Islam and consumer policy in the domain of consumer credit and over-indebtedness in six countries in the Arabian Gulf. The findings indicate that Islamic societies are distinct policymaking environments and share similarities in the development of consumer credit and policies relating to debt prevention and debt discharge. However, several differences are also observable that reflect complex variations in the social, political, historical, and economic trajectories of each country. A dilemma for policymakers is how to reconcile greater levels of consumer credit and over-indebtedness with the requirements of Islam. Policy responses have been a mix of legislative change and soft law. The UAE is the only country that has introduced an insolvency law for natural persons. Discriminating between the citizens and expatriates is a feature of consumer policy in all countries.

中文翻译：

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阿拉伯湾的消费者债务预防和解除

本文分析了阿拉伯湾六国在消费信贷和过度负债领域中伊斯兰教与消费政策的关系。调查结果表明，伊斯兰社会是不同的决策环境，在消费信贷的发展以及与债务预防和债务免除相关的政策方面有相似之处。然而，也可以观察到一些差异，这些差异反映了每个国家的社会、政治、历史和经济轨迹的复杂变化。决策者面临的一个困境是如何协调更高水平的消费信贷和过度负债与伊斯兰教的要求。政策反应是立法变革和软法的结合。阿联酋是唯一一个为自然人制定破产法的国家。