This article both examines changing contexts and factors that cause transformation as well as shows their effects on Islamic finance contracts. Here the author addresses his general theories in terms of modern iǧtihād (independent reasoning) on modern Islamic finance contracts. The main question is: ‘How have changing contexts and factors affected the emergence and transformation of Islamic financial contracts?’ The study addresses contexts, factors, and conditions that severely transform contracts. More specifically, the author argues that modern Islamic finance contracts have been transformed by the effects of changing factors and contexts. The main objective is to uncover modern contractual developments in Islamic finance and show how this transformation has made its mark on modern Islamic finance contracts. The study consists of a presentation of historical background, an explanation of socio-economic and ideological-ethical contexts and factors creating change, and a discussion regarding their effects on modern Islamic contracts.

本文既研究了变化的环境和导致变革的因素，也展示了其对伊斯兰金融合同的影响。在这里，作者用现代宗教论及他的一般理论（独立推理）有关现代伊斯兰金融合同的信息。主要问题是：“变化的环境和因素如何影响伊斯兰金融合同的出现和转变？” 该研究解决了严重改变合同的背景，因素和条件。更具体地说，作者认为，现代伊斯兰金融合同已因变化的因素和环境的影响而发生了变化。主要目的是揭示伊斯兰金融中现代合同制的发展，并展示这种转变如何在现代伊斯兰金融合同中留下自己的印记。这项研究包括对历史背景的介绍，对社会经济和意识形态伦理背景以及造成变化的因素的解释，以及对它们对现代伊斯兰契约的影响的讨论。