The first year of IS-4, the high-school Islamic Studies sequence, following Islamic Studies: Grade 9. Islamic Studies previously stopped at Grade 9; Grades 10 to 12 were added in September 2026 to carry the fiqh a young adult actually needs before they leave home.
Grade 10 is the fiqh of wealth and work. A student this age is starting to earn, is being offered a card, and is beginning to think about a loan and a career. This year gives them the rulings before the decisions rather than after them.
Units
- Using a Ruling — how to read a fatwa, and who to ask
- Halal Earning — work, contracts and wages
- Riba — what it is, why it is forbidden, and where it hides
- Modern Money — banking, insurance, mortgages, investment
- Zakat as an Adult Obligation — nisab, calculation, distribution
- Wealth and the Heart — israf, bukhl and sadaqah jariyah
Builds on: Grade 7’s unit on the sources of knowledge and Grade 9’s introduction to fiqh reasoning. Zakat was introduced at nisaab level in Grades 4 and 5; this is the year the student calculates their own.
Lessons are shells. Titles, unit placement and cross-references are built; the lesson content is not yet written.
Course Information
Course Instructor
Unit 1: Using a Ruling — Fiqh for an Adult
Who Do You Ask? — Scholars, Fatwa Bodies, and Your Own Reading
How to Read a Fatwa — What It Answers and What It Assumes
When Rulings Differ — Choosing Without Chasing the Easiest
Evidence You Can Check — Verifying Before You Act
Unit Review — One Ruling, Worked Through End to End
Unit 2: Halal Earning — Work, Contracts and Wages
What Makes an Income Halal
The Contract — What You Agree To and What Binds You
Wages, Hours, and the Rights of a Worker
Jobs With a Question Mark — Working Near What Is Haram
Unit Review — Auditing a Real Job Offer
Unit 3: Riba — What It Is and Where It Hides
What Riba Is — The Two Kinds, and the Evidence
Why It Is Forbidden — The Harm the Prohibition Names
Riba in Ordinary Life — Cards, Loans and Late Fees
Student Debt — The Decision You Will Face First
Unit Review — Reading a Real Agreement
Unit 4: Modern Money
Banking — Accounts, Interest, and What to Do About It
Insurance — The Arguments For and Against
Somewhere to Live — Renting, Murabaha and Conventional Mortgages
Investing — Screening, Shares and What to Avoid
Unit Review — A Personal Finance Plan on Islamic Terms
Unit 5: Zakat as an Adult Obligation
Zakat Revisited — From Grade 4 to Your Own Wealth
Nisab and the Hawl — Working Out Whether You Owe
Calculating It — Cash, Gold, Savings and Debts
The Eight Categories — Where It Goes, and Who Decides
Zakat al-Fitr, and the Sadaqat That Are Not Zakat
Unit 6: Wealth and the Heart
Israf and Tabdheer — Where Spending Becomes Waste
Bukhl, and Its Cure
Qanaah — Contentment as a Financial Skill
Sadaqah Jariyah — Building Something That Outlives You
Year Review — What Changed About How You Handle Money
