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21 June, 2026, 6 Muḥarram, 1448

Muslim Board of Uzbekistan has announced fatwa on “Artificial insemination”

21.02.2018   35761   8 min.
Muslim Board of Uzbekistan has announced  fatwa on “Artificial insemination”

 بسم الله الرحمن الرحيم

اَلْحَمْدُ لِلَّهِ الَّذِي خَلَقَ مِنَ الْمَاءِ بَشَرًا فَجَعَلَهُ نَسَبًا وَصِهْرًا وَ كَانَ رَبُكَ قَدِيْرًا وَ الصَّلاَةُ وَ السَّلاَمُ عَلَى رَسُولِهِ مُحَمَّدٍ اَلْقَائِلِ تَزَوَّجُوا الْوَدُودَ الْوَلُودَ فَإِنِّي مُكَاثِرٌ بِكُمْ يَوْمَ الْقِيَامَةِ وَعَلَى اَلِهِ وَاَصْحَابِهِ وَمَنْ تَبِعَهُمْ بِاِحْسَانٍ اِلَى يَوْمِ الدِّيْنِ اَمَّا بَعْدُ

Allah created Adam (alayhissalam) with physical body and spirit. Hawa has been given as the Halal Pair for Adam and from this pair (Adam and Hawa) the whole humanity has been developed. Allah mentions in Qur’an that living in pair is the great mercy:

  وَاللَّهُ جَعَلَ لَكُمْ مِنْ أَنْفُسِكُمْ أَزْوَاجًا وَجَعَلَ لَكُمْ مِنْ أَزْوَاجِكُمْ بَنِينَ وَحَفَدَةً

(سورة النحل/ 72 آية)

And Allah has made for you from yourselves mates and has made for you from your mates sons and grandchildren and has provided for you from the good things. (An-Nahl, 72)

 

Naturally, the great wisdom behind living in pairs is to continue the generation.

When Islam talks about continuing generation, it means to establish a family, where a man and a woman are tied into one family through nikah (marriage agreement). Muhammad (sallollohu alayhi wassalam) says in one of the hadith

عَنْ ابْنِ عُمَرَ رَضِيَ اللهُ عَنْهُمَا اَنَّ النَّبِيَّ صَلَّى اللهُ عَلَيْهِ وَ سَلَّمَ قَالَ:  تَنَاكَحُوا  تَكَاثَرُوا

فَإِنِّيْ  أُبَاهِي بِكُمُ الْاُمَمَ

(رواه ابن حبان)

“Get married, make children, of course I’ll be proud with your multiplicity.”

In another hadith:

عَنْ مَعْقَلِ بْنِ يَسَارٍ رَضِيَ اللهُ عَنْهُ قَالَ : قَالَ رَسُولُ اللهِ صَلَّى اللهُ عَلَيْهِ وَ سَلَّمَ : تَزَوَّجُوا الْوَدُودَ الْوَلُودَ فَإِنِّي مُكَاثِرٌ بِكُمْ الْاُمَمَ "

(رواه أبو داود والنسائي)

 “Get married to a baby delivering kind lady as Ill be proud with your multiplicity.” For this purpose Islam promotes increasing in numbers by means of halal nikah and denounces any non-sharia means of baby delivering.

A human always asks Allah to bestow salih/saliha kids. Even prophets used to do so. There is ayat in Qur’an regarding this

ذِكْرُ رَحْمَةِ رَبِّكَ عَبْدَهُ زَكَرِيَّا. إِذْ نَادَى رَبَّهُ نِدَاءً خَفِيًّا.  قَالَ رَبِّ إِنِّي وَهَنَ الْعَظْمُ مِنِّي وَاشْتَعَلَ الرَّأْسُ شَيْبًا وَلَمْ أَكُنْ بِدُعَائِكَ رَبِّ شَقِيًّا. وَإِنِّي خِفْتُ الْمَوَالِيَ مِنْ وَرَائِي وَكَانَتِ امْرَأَتِي عَاقِرًا فَهَبْ لِي مِنْ لَدُنْكَ وَلِيًّا.  يَرِثُنِي وَيَرِثُ مِنْ آَلِ يَعْقُوبَ وَاجْعَلْهُ رَبِّ رَضِيًّا

(سورة مريم/ 4-6 الآيات)

[This is] a mention of the mercy of your Lord to His servant Zechariah When he called to his Lord a private supplication. He said, "My Lord, indeed my bones have weakened, and my head has filled with white, and never have I been in my supplication to You, my Lord, unhappy. And indeed, I fear the successors after me, and my wife has been barren, so give me from Yourself an heir Who will inherit me and inherit from the family of Jacob. And make him, my Lord, pleasing [to You]." Allah accepted Zechariah’s dua (supplication) and gave him son. Prophet Ibrahim (alayhisalam) didn’t lose his hope and also made dua. His supplication also was accepted.

 

 الْحَمْدُ لِلَّهِ الَّذِي وَهَبَ لِي عَلَى الْكِبَرِ إِسْمَاعِيلَ وَإِسْحَاقَ إِنَّ رَبِّي لَسَمِيعُ الدُّعَاءِ

 (سورة ابراهيم/ 39  الآية)

 

Praise to Allah, who has granted to me in old age Ishmael and Isaac. Indeed, my Lord is the Hearer of supplication. (Ibrahim, 39)

Allah is Great and a child is one of the greatest mercies of Allah. Allah gives a boy or a girl or both boy and girl to whom Allah wishes or leaves infertile.

 لِلَّهِ مُلْكُ السَّمَاوَاتِ وَالْأَرْضِ يَخْلُقُ مَا يَشَاءُ يَهَبُ لِمَنْ يَشَاءُ إِنَاثًا وَيَهَبُ لِمَنْ يَشَاءُ الذُّكُورَ

أَوْ يُزَوِّجُهُمْ ذُكْرَانًا وَإِنَاثًا وَيَجْعَلُ مَنْ يَشَاءُ عَقِيمًا إِنَّهُ عَلِيمٌ قَدِيرٌ

(سورة الشورى/ 49-50 الآية)

To Allah belongs the dominion of the heavens and the earth; He creates what he wills. He gives to whom He wills female [children], and He gives to whom He wills males. Or He makes them [both] males and females, and He renders whom He wills barren. Indeed, He is Knowing and Competent. (The Consultaton, 49-50)

As it is indicated in the ayat, being barren is also Allah’s test. From the Islamic perspective unproductivity is also a kind of disease. For this reason, there is no discussion among Islamic scholars that it should be treated. In one of the hadith narrated by Imom Termiziy through Usama ibn Sharqiy people living in desert asked the prophet Muhammad (sollalohu alayhi wasallam) on whether they can get treatment for disease. Muhammad (sollalohu alayhi wasallam) replied: “Yes, Oh human beings of Allah receive treatment. Allah created every disease with its cure. There is one thing without cure, which is death.”

Taking into consideration all researches done in this sphere in Uzbekistan and in the world by Islamic scholars Muslim Board of Uzbekistan states the following fatwa:

  1. Artificial fertility medical operation is allowed to be conducted as the final procedure when all other methods are not working between a female and male muslims who have nikah. It is considered to be mubah.
  2. Artificial fertility medical operation is allowed to be conducted as the final procedure when all other methods are not working between a female and male muslims who have nikah. All precautions must be followed in order to prevent misuse of sperm.
  3. It is strictly prohibited to convey artificial fertility operation for a couple who do not have nikah. It is considered to be haram.
  4. Muslims who do care about their pure generation must avoid from prohibited artificial fertility procedures. 

Wallohu alam bissawab

 

May |Allah guide all muslims to Right Path and live according to sharia. Amin!

        

The Chairman of Muslim

Board of Uzbekistan, Muftiy                                             Usmankhan Alimov  

 

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The Central Bank forecasts the emergence of at least 10 Islamic banks by 2030

28.10.2025   74135   4 min.
The Central Bank forecasts the emergence of at least 10 Islamic banks by 2030

The Central Bank expects to establish at least 10 full-fledged Islamic banks by 2030. Also, “Islamic windows” — branches providing Sharia financial services — will appear in three state banks. The Central Bank considers Islamic finance as a tool for withdrawing funds from the shadow economy.

Why is this important

According to a UNDP survey, 68% of Uzbekistan’s population does not want to use traditional banking services due to religious beliefs. Launching Islamic banks will expand financial inclusion, increase bank assets, and reduce the share of the shadow economy. This is the largest transformation of the financial system since independence.

What happened

  • The Central Bank forecasts the emergence of at least 10 Islamic banks by 2030;
  • Three state banks (not yet defined) will create “Islamic windows”;
  • CB Deputy Chairman Abrorhuja Turdaliyev called Islamic finance a tool for bringing funds out of the shadows;
  • In September, the Legislative Chamber approved the law on Islamic banking activities in the first reading;
  • UNDP Survey: 68% of the population and 60% of businesses do not use traditional banks due to their religious beliefs.

Draft law

The document introduces the concepts of “Islamic banking activity”, “Islamic financial operations”, “investment deposit”, and others. A separate license is provided for Islamic banks. Classical banks will be able to organize “Islamic windows” if they have a license.

Islamic products: Murabaha (deferred trade financing), Mudaraba (investment partnership), Mushoraka (joint venture), Wakala (agency financing), Salam (prepayment of goods).

Features of regulation

  • Islamic banks will be able to conduct direct trade activities, establish legal entities, and acquire shares in the authorized capital without restrictions;
  • Islamic Finance Councils (Sharia Councils) will be established under the Central Bank and banks;
  • Notarial acts of Islamic banks are exempt from state duty;
  • A separate tax regime may be introduced, taking into account the specifics of Islamic finance.

Assessment of demand

The Deputy Chairman of the Central Bank clarified: when we talk about 50-60% of the population preferring Islamic finance, we are talking about those who prefer it. Those who categorically refuse traditional services are significantly fewer.

Context

Islamic finance prohibits the collection of interest (riba) and speculative operations. Instead, partnership models are used, where the bank and the client share profits and risks. Uzbekistan is a predominantly Muslim country (90%+ of the population), where a significant portion of citizens avoid traditional banks for religious reasons.

Creating 10 Islamic banks by 2030 is an ambitious task, given that there are currently around 35 commercial banks operating in the country. “Islamic windows” in state banks will allow large players (Uzpromstroybank, Halyk Bank, Asaka Bank) to enter a new segment of clients without creating separate structures.

The Central Bank sees Islamic finance as a tool for combating the shadow economy: religiously motivated citizens who do not trust traditional banks will be able to legalize funds through Sharia products.

A separate tax regime may include benefits for Murabaha-type operations, where the bank formally purchases goods and resells them to the client with a markup — to avoid double taxation.