Hamad bin Hammad al-Hammad
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Hamad bin Hammad al-Hammad (full name: Hamad ibn Hammad ibn Abd al-Aziz al-Hammad) is a contemporary Saudi scholar of Islamic jurisprudence and a professor at the Islamic University of Madinah.
Lineage and Academic Career
Al-Hammad belongs to the al-Hammad family of Buraydah, descending through the branch of Abd Allah ibn Ali ibn Abd Allah ibn Hammad. He pursued higher studies in Islamic jurisprudence and joined the faculty of the Islamic University of Madinah, where he served as an associate professor and later as a professor of graduate studies in the College of Sharia. In this capacity, he taught fiqh, supervised and examined doctoral dissertations in jurisprudence, and issued legal rulings (fatwas) on contemporary financial transactions and ritual matters.
Legal Research and Juristic Positions
Al-Hammad is noted for his research into modern commercial jurisprudence (fiqh al-mu‘amalat). In his treatise ‘Uqud al-Ta’min: Haqiqatuha wa-Hukmuha ("Insurance Contracts: Their Reality and Legal Ruling"), published in the Journal of the Islamic University of Madinah, he addressed the juristic characterization of contemporary insurance agreements. Al-Hammad argued that conventional insurance contracts contain severe uncertainty (gharar) and usurious elements (riba), rendering them impermissible under Islamic law, and critiqued the common distinction drawn by researchers between commercial and cooperative insurance when lacking a clear juristic basis. He has also issued rulings on specific issues in Islamic commercial law, such as the zakat assessment of commercial inventories and leased assets, and the prohibition of combining sales of used and new gold in a single exchange without independent contracts.
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List of Works
Uqud al-Tamin: Haqiqatuha wa Hukmuha (Insurance Contracts: Their Reality and Legal Ruling) is a contemporary treatise on Islamic commercial jurisprudence that analyzes the legal nature and Islamic permissibility of insurance contracts. Published in the Journal of the Islamic University of Medina in 1405 AH (1984–1985 CE), the work examines the core structure of modern insurance agreements under Islamic legal principles and evaluates arguments advanced by scholars regarding their lawfulness.