Financial Fitrah : Re-Evaluating Spirituality in the Methodology of Islamic Finance and Consumer Behaviour of Muslims

<p dir="ltr">The research looks to explore the rupture between the spiritual reality and the religious application of Islamic Financial services and the Consumer Behaviour of Muslims, through the concept of the <i>Fitrah</i>. The research has found that there is much significance in the <i>Fitrah</i> in facilitating a sound Islamic worldview and by extension all structures, institutions, and behaviours, including that of Islamic Finance. The research looked through scripture to evaluate the importance of a spiritual outlook on the contemporary issues pertaining to wealth, wealth acquisition, belief, and vicegerency. The paper argues that necessitating an Islamic worldview requires a sound <i>fitrah</i>. The <i>fitrah</i>, is the starting point for all human obligation, and the foundation for all responsibilities that the Muslim must fulfil. The pursuit of the <i>fitrah</i> in turn will allow for methodological reform of Islamic Finance and Muslim consumer behaviour, grounding it in a spiritual ethics and ultimately allowing it to serve as a means to fulfil the ultimate obligation of the Muslim – to worship Allah ج.</p>