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130524P - MEDICAL ETHICS: AN ISLAMIC PERSPECTIVE

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Presented by Professor Omar Hasan Kasule Sr at the 5th FOCUS-SOASCIS Conference on the theme ‘Islamic ethics and its application to community development: the role of educational institutions’ held at the Sultan Omar Ali Saifuddin Center for Islamic Studies University of Brunei Darussalam on Friday 24th May 2013


ABSTRACT
The paper presents Islamic paradigms and shari’at doctrines that underlie the development of a system of medical ethics (clinical, research, public health). The motivation is dissatisfaction with the application of contemporary ethical principles that are not consonant with the all-embracing, comprehensive, and integrated Islamic world-view. The primary concepts are tauhid, shumuliyat, tawazun, and tadafu’u. tauhid provides an integrating paradigm that assures that an ethical problem is not considered in isolation from other issues. Shumuliyat is the comprehensiveness of the Islamic world view that embraces everything within the Islamic system. Tawazun is a balanced moderate approach. Tadafu’u is consideration of actions and the reactions to those actions. The theory of the purposes of the Law, maqasid al shari’at, provides a primary source for practical ethics by ensuring that every medical intervention or non-intervention must fulfill or not contravene one or several of the 5 purposes of preservation of diin, hifdh al ddiin; life and health, hifdh al nafs; progeny, hifdh al nasl; intellect, hifdh al ‘aql; and resources, hifdh al maal. In practical application of the maqasid, we may come across situations of perceived conflict of purposes and we need to apply the principles of fiqh, qawa’id al fiqh, to find solutions. The 5 main principles, al kulliyaat al khams, are intentions, qasd; certainty, yaqiin; injury, dharar; hardship, mashaqqat; and custom, ‘aadat or ‘urf.  Subprinciples have been developed from each of these five a total of xxxx in the majallat al ahkaam al ‘adliyyat: 99 general, and xxxx related to business transactions. The challenge before the ummat today is to develop detailed subprinciples of medical ethics similar to what the authors of majallat did for business transactions. This paper will illustrate the use of such principles using some case studies.

WHY ISLAMIC ETHICS?
·         The paper presents Islamic paradigms and shari’at doctrines that underlie the development of a system of medical ethics (clinical, research, public health).
·         The motivation is dissatisfaction with the application of contemporary ethical principles that are not consonant with the all-embracing, comprehensive, and integrated Islamic world-view.
·         Modern ethics arose as a response to problems especially medical that positive law could not resolve. This arose out of the secular paradigm that separated religion from public life. Medical problems that required moral solutions could not be solved because morality needs a higher authority usually religious
·         Muslims never accepted a dichotomy between positive and moral laws the shari’at is comprehensive so ethical issues have to be covered under the shari’at
·         In ideal circumstances we should not talk about Islamic ethics as a separate discipline bur we have to do so in order to communicate with others.

GENESIS OF WESTERN MEDICAL ETHICS
·         Modern ethics arose as reactions to ethical transgressions in research resulting in international codes and national legislations to prevent future transgressions but this was not successful all the time.
·         In WW2 transgressions were committed by the Nazis and the Japanese. Following trials of Nazi doctors who had committed atrocities on prisoners at Nurenberg, the Nuremberg code of 1947 was promulgated. The Helsinki Declaration of 1964 was an update of the Nurenberg declaration and has itself been updated several times
·         The Belmont report of 1979 in the US
·         Other ethical documents were: Declaration of Geneva, International Code of Medical Ethics, Declaration of Tokyo, Declaration of Oslo,
·         Two problems (a) principles arose as pragmatic reactions to ethical problems with no consistent underlying theory (b) ethics is not law: weak enforcement

EXAMPLES OF UNETHICAL RESEARCH 1: NAZI WWII EXPERIMENTS

·         High Altitude Experiments: Prisoners exposed to low oxygen to test how long pilots ejected from fighter aircraft can survive in air
·         Hypothermia Experiments: Prisoners submerged in cold water to find out how long pilots can survive if parachuted into cold sea water
·         Malaria Experiments: Prisoners infected with malarial mosquitoes and treated with drugs to discover the effective anti-malarials
·         Typhus experiments: Injection of typhus in subjects who had got the antityphus vaccine

EXAMPLES OF UNETHICAL RESEARCH 2: JAPANESE WWII EXPERIMENTS

·         Live dissections of prisoners deliberately infected to study the effects of infection
·         Exposure to freezing temperatures to see the body response
·         Grenade tests on human targets
·         Deprivation of food and water to study effects and survival
·         Temperature experiments to see the relationship between temperature, burns, and survival
·         Prisoners placed into centrifuges and spun until death

 

EXAMPLES OF UNETHICAL RESEARCH 3: US violations published in journals (Dr Henry Beecher 1966)

·         Deliberately infecting institutionalized children (intramuscular injection or oral administration) with a mild form of the hepatitis virus
·         Injecting live cancer cells into debilitated patients without their knowledge of the true nature of the injected cells
·         Withholding antibiotics from patients with rheumatic fever

 

EXAMPLES OF UNETHICAL RESEARCH 4:Tuskegee Syphilis Study (1932-1972):

·         400 men with syphilis were enrolled into the study without truly informed consent over a 40 year period
·         Deception: not told that alternative treatment was available were denied penicillin after 1940s when its effectiveness was known.
·         The study continued to follow these men until 1972 when the first public accounts of the study appeared in the national press.
·         The study resulted in 28 deaths, 100 cases of disability, and 19 cases of congenital syphilis
·         Ethical violations: informed consent, deception, withhold treatment and info

 

EXAMPLES OF UNETHICAL RESEARCH 5: Japan

·         In 1951, Japanese investigators undertook a study assessing carbohydrate metabolism in which small pieces of brain tissues were surgically obtained from 70 schizophrenic patients in a psychiatric hospital.
·         At least three subjects died after the lobotomy, and medical records testified that two of them probably died of excision.
·         No subjects or their families were asked to give informed consent for the operations.
·         Nobody criticized this experiment until 1971, when a resident of Tokyo University Hospital reported the investigators to the Japanese Society for Psychiatry and Neurology.

 

EXAMPLES OF UNETHICAL RESEARCH 6: China

·         In the 1980s, a clinical trial was performed in several cities in China examining the relationship between folate and neural tube defect (NTD).
·         The initial trial proposed to enroll 65,000 pregnant women in six rural counties outside of Beijing. The original design raised questions regarding informed consent.
·         Also, at the time of the trial, British investigators had established that folate was protective against NTDs. Subsequently, the clinical trial was modified to a community intervention program.

 

EXAMPLES OF UNETHICAL RESEARCH 7: India

·         Between November 1999 and April 2000, 25 patients with oral cancers at the Regional Cancer Centre, Thiruvananthapuram (a government institution) had their tumors injected with an experimental chemical in order to evaluate its anti-tumor properties. The patients were not told that the use of these agents were experimental.
·         Also, the trial had not been approved
·         Patients were denied the established treatment for their condition

 

EXAMPLES OF UNETHICAL RESEARCH 8: Africa and Thailand

·         AZT placebo trials: In the early 1990s in trials done in the United States and France researchers established that treating HIV-positive women with AZT decreased HIV transmission from mother to child during birth by two thirds.
·         The ACTG 076 regimen became the standard of care for HIV-infected women and their newborns in the US and other more developed nations.
·         Research in Africa and Thailand tested a shorter, less intense and therefore less expensive AZT regimen using a placebo group (denied a known effective treatment). It was reasoned that the placebo group would not have afforded the treatment anyway.

 

EXAMPLES OF UNETHICAL RESEARCH 9: Latin America

·         Surfaxin study: Surfaxin was a proven effective treatment for the infant respiratory depression syndrome in the US
·         A trial of surfaxin vs placebo could not ethically be carried out in the US because the placebo would be denied an effective treatment
·         The company proposed conducting this study in Latin America where infants with lung illnesses do not usually have access to effective treatment.

NURENBERG CODE

·         The voluntary consent of the human subject is absolutely essential”:
·         The Research objective should be aimed for the good of the society.
·         Research should be based on prior animal work.
·         The risks should be justified by the anticipated benefits.
·         Only qualified scientists must conduct research.
·         Physical and mental suffering must be avoided.
·         Research in which death or disabling injury is expected should not be conducted.
·         Facilities and resources to conduct well-designed research should be available.
·         Subjects must be free to stop at anytime.
·         The investigator should stop the study if he/she believes that continuation of the study will result in serious injury, disability or death of the research subject.

 

HELSINKI DECLARATION 1964: EXPANSION OF THE NURENBERG CODE

·         Research conducted in the context of medical care
·         Human subjects who lacked decision-making capacity
·         Research involving vulnerable individuals
·         Independent review by research ethics committees

THE BELMONT REPORT (1979): PRINCIPLE OF RESPECT FOR PERSONS

·         Individuals be treated as autonomous human beings and be allowed to choose for themselves.
·         Extra protection for individuals with impaired ability to decide for themselves.
·         Elements of respect for persons include: obtaining informed consent from individuals who are capable of choosing what shall and shall not happen to them.
·         Elements of informed consent should include: disclosure of information, comprehension, voluntariness (be free from coercive influences and undue inducement
·         For individuals who lack decision-making capacity, extra safeguards are in place to provide them with additional protection.

THE BELMONT REPORT (1979): Principle of Beneficence
·         While the term “beneficence” is usually understood to cover acts of kindness or charity, in the realm of research ethics, beneficence is understood as an obligation to:
·         Do no harm (non-maleficence)
·         Minimization of harms
·         Maximization of benefits
·         Beneficence requires that there be an analysis of the risks and benefits to the subjects, making sure that there is a favorable risk-benefit ratio.

THE BELMONT REPORT (1979): Principle of Justice
·         The principle of justice in the sense of “fairness in distribution” requires:
·         Research is designed so that its burdens and benefits are shared equitably among groups of populations.
·         Fairness in the selection of research subjects, e.g., one should not select subjects based on their easy availability or their compromised position (e.g., individuals in mental institutions).

EUROPEAN ETHICAL THEORIES 1
·         According to Beauchamp and Childress (1994) there are eight ethical theories. None of them can on its own explain all ethical or moral dilemmas.
·         A good ethical theory must be clear, coherent, complete, comprehensive, simple, practicable, and able to explain and justify.
·         None of these 8 theories has all these characteristics. In practice more than one theory may have to be combined to solve a specific ethical issue.
·         In practice use of maqasid al shari’at is a more robust theoretical formulation as we shall see

EUROPEAN ETHICAL THEORIES 2: utilitarianism and obligation
·         According to the utilitarian consequence-based theory, an act is judged as good or bad according to the balance of its good and bad consequences. Utilitarianism means attaining the greatest positive with the least negative. This theory has a problem in that it can permit acts that are clearly immoral on the basis of utility.
·         The obligation-based theory is based on Kantian philosophy. Immanuel Kant (1724-1804) argued that morality was based on pure reasoning. He rejected tradition, intuition, conscience, or emotions as sources of moral judgment. A morally valid reason justifies action. Acts are based on moral obligations. The problem with the Kantian theory is that it has no solution for conflicting obligations because it considers moral rules as absolute.

EUROPEAN ETHICAL THEORIES 3: rights-based and community-based
·         The rights-based theory is based on respect for human rights of property, life, liberty, and expression. The individual is considered to have a private area in which he is master of his own destiny. Rights may be absolute or relative. A positive right is one that has to be provided to the individual. A negative right is one that assures prevention of or protection from harm. There is a complex inter-relation between rights and obligations. Individual rights may conflict with communal rights. The problem of the rights-based theory is that emphasis on individual rights creates an adversarial atmosphere.
·         According to the community-based theory, ethical judgments are controlled by community values that include considerations of the common good, social goals, and tradition. This theory repudiates the rights-based theory that is based on individualism. The problem with this theory is that it is difficult to reach a consensus on what constitutes a community value in today’s complex and diverse society.

EUROPEAN ETHICAL THEORIES 3: relation-based and case-based
·         The relation-based theory gives emphasis to family relations and the special physician-patient relation. For example a moral judgment may be based on the consideration that nothing should be done to disrupt the normal functioning of the family unit. The problem of this theory is that it is difficult to deal with and analyze emotional and psychological factors that are involved in relationships.
·         The case-based theory is practical decision-making on each case as it arises. It does have fixed philosophical prior assumptions.

EUROPEAN ETHICAL PRINCIPLES 1: ONE PRINCIPLE FORMULATION
·         Utilitarianism (maximizing net utility after taking into consideration benefits and harms into consideration),
·         Hippocratism (focuses on the individual patient and ignores everything else),
·         The Libertarian approach (giving the patient the right to make choices.

EUROPEAN ETHICAL PRINCIPLES 2: TWO PRINCIPLE FORMULATION
·         Beneficence (do good, bring benefit)
·         Non maleficence (do not do harm)

EUROPEAN ETHICAL PRINCIPLES 3: THREE PRINCIPLE FORMULATION (Belmont Report 1978)
·         Respect for persons (autonomy),
·         Beneficence (including nonmalificence),
·         Justice.

EUROPEAN ETHICAL PRINCIPLES 4: FOUR PRINCIPLE FORMULATION
·         James F Childress and Tom L Beauchamp drafted the main ideas of the book ‘Principles of biomedical ethics’ in 1976
·         Autonomy (respect for decision making capacities of autonomous persons)
·         Nonmalificence (not causing harm to others)
·         Beneficence (prevent harm, provide benefit, balance benefits against risks and cost)
·         Justice (fair distribution of risks, benefits, and costs).

FOUR PRINCIPLE FORMULATIONS: Critique
·         The 4 principles are derived from the common morality that sets moral norms for society.
·         Not reflecting clinical realities
·         Not easily translatable into research decisions
·         Not usable directly in decision making
·         Not easy to translate into operational outcomes
·         All these criticisms point to the fact that the principles were not developed by persons in direct daily contact with practical ethical problems.
·         The principles are universal but are not absolute (they can be specified to fit certain circumstances).
·         Beneficence and nonmalificence are actually two ends of the spectrum of one principle that some authors call beneficence.

CHARACTERISTICS OF ISLAMIC BIOETHICS
·         Divine source: Morality and ethics in Islam are absolute and are of divine origin. All what humans do it to apply the legal and moral teachings of Islam to practical situations.
·         Law and morality: European: legal is not always the same as moral. In Islam legal and moral are consistent
·         Law and ethics: Islamic law comprehensive and is a combination of moral and positive laws. Secularized European law denies moral associated with ‘religion’.
·         Ethics, stability and change: Fixed principles that set the parameters beyond which it is absolutely immoral to operate. Within these parameters, consensus can be reached on specific moral issues.
·         Moral justification: Deduction is a top-down approach popular among Hanafi jurists. Induction is a bottom-up approach that relies a lot on qiyaas. Inductive processes involving many cases can lead to a generalization that is considered an ethical theory.
·         The legal process: European is adversarial while Islamic is problem solving, reconciliation

ISLAMIC APPROACH TO ETHICS 1: Overriding paradigms
·         Tauhid provides an integrating paradigm that assures that an ethical problem is not considered in isolation from other issues.
·         Shumuliyat is the comprehensiveness of the Islamic world view that embraces everything within the Islamic system.
·         Tawazun is a balanced moderate approach.
·         Tadafu’u is consideration of actions and the reactions to those actions.

ISLAMIC APPROACH TO ETHICS 2: maqasid al shari’at as the theory of ethics
·         Protection of morality/hifdh al ddiin
·         Protection of Life hifdh al nafs
·         Protection of Progeny, hifdh al nasl
·         Protection of the Mind, hifdh al ‘aql
·         Protection of Wealth, hifdh al maal

ISLAMIC APPROACH TO ETHICS 3: qawa’id al fiqh as ethical principles
·         The Principle of Intention, qa’idat al qasd
·         The Principle of Certainty, qa’idat al yaqeen
·         The Principle of Injury: qa’idat an dharar: (covers the 4 principles of autonomy, beneficence, non-malefacence, and justice)
·         Principle of Hardship, qa’idat al mashaqqat
·         The Principle of Custom or Precedent, qa’idat al ‘aadat

PROTECTION OF LIFE, nafs:
·         The primary purpose of medicine is to fulfill the second purpose, the preservation of life.
·         Medicine contributes to the preservation and continuation of life by making sure that the nutritional functions are well maintained.
·         Medical knowledge is used in the prevention of disease that impairs human health. Disease treatment and rehabilitation lead to better quality health.

PROTECTION OF PROGENY, nasl:
·         Medicine contributes to the fulfillment of this function by making sure that children are cared for well so that they grow into healthy adults who can bear children.
·         Treatment of infertility ensures successful child bearing.
·         The care for the pregnant woman, peri-natal medicine, and pediatric medicine all ensure that children are born and grow healthy.
·         Intra-partum care, infant and child care ensure survival of healthy children.

PROTECTION OF THE MIND, ‘aql:
·         Medical treatment plays a very important role in protection of the mind.
·         Treatment of physical illnesses removes stress that affects the mental state.
·         Treatment of neuroses and psychoses restores intellectual and emotional functions.
·         Medical treatment of alcohol and drug abuse prevents deterioration of the intellect.
  
PROTECTION OF WEALTH, mal:
·         The wealth of any community depends on the productive activities of its healthy citizens. Medicine contributes to wealth generation by prevention of disease, promotion of health, and treatment of any diseases and their sequelae.
·         Communities with general poor health are less productive than a healthy vibrant community.
·         The principles of protection of life and protection of wealth may conflict in cases of terminal illness.
·         Care for the terminally ill consumes a lot of resources that could have been used to treat other persons with treatable conditions.
·         The question may be posed whether the effort to protect life is worth the cost.
·         The issue of opportunity cost and equitable resource distribution also arises.

THE PRINCIPLE OF INTENTION, qasd:
·         The Principle of intention comprises several sub principles. The sub principle that each action is judged by the intention behind it calls upon the physician to consult his inner conscience and make sure that his actions, seen or not seen, are based on good intentions.
·         The sub principle that what matters is the intention and not the words rejects the wrong use of data to justify wrong or immoral actions.
·         The sub principle that means are judged with the same criteria as the intentions implies that no useful medical purpose should be achieved by using immoral methods.

THE PRINCIPLE OF CERTAINTY, yaqeen:
·         Medical diagnosis cannot reach the legal standard of certainty.
·         Treatment decisions are best on a balance of probabilities.
·         Each diagnosis is treated as a working diagnosis that is changed and refined as new information emerges. This provides for stability and a situation of quasi-certainty without which practical procedures will be taken reluctantly and inefficiently.
·         Established medical procedures and protocols are treated as customs or precedents. What has been accepted as customary over a long time is not considered harmful unless there is evidence to the contrary.
·         All medical procedures are considered permissible unless there is evidence to prove their prohibition.

THE PRINCIPLE OF INJURY, dharar: 1
·         Medical intervention is justified on the basic principle is that injury, if it occurs, should be relieved. An injury should not be relieved by a medical procedure that leads to an injury of the same magnitude as a side effect.
·         In a situation in which the proposed medical intervention has side effects, we follow the principle that prevention of harm has priority over pursuit of a benefit of equal worth. If the benefit has far more importance and worth than the harm, then the pursuit of the benefit has priority.
·         Physicians sometimes are confronted with medical interventions that are double edged; they have both prohibited and permitted effects. The guidance of the Law is that the prohibited has priority of recognition over the permitted if the two occur together and a choice has to be made.

THE PRINCIPLE OF INJURY, dharar: 2
·         If confronted with 2 medical situations both of which are harmful and there is no way but to choose one of them, the lesser harm is committed. A lesser harm is committed in order to prevent a bigger harm.
·         In the same way medical interventions that in the public interest have priority over consideration of the individual interest. The individual may have to sustain a harm in order to protect public interest.
·         In the course of combating communicable diseases, the state cannot infringe the rights of the public unless there is a public benefit to be achieved. In many situations, the line between benefit and injury is so fine that salat al istikharat is needed to reach a solution since no empirical methods can be used.

PRINCIPLE OF HARDSHIP, mashaqqat: 1
·         Medical interventions that would otherwise be prohibited actions are permitted under the principle of hardship if there is a necessity.
·         Necessity legalizes the prohibited. In the medical setting a hardship is defined as any condition that will seriously impair physical and mental health if not relieved promptly. Hardship mitigates easing of the sharia rules and obligations.
·         Committing the otherwise prohibited action should not extend beyond the limits needed to preserve the Purpose of the Law that is the basis for the legalization.

PRINCIPLE OF HARDSHIP, mashaqqat: 2
·         Necessity however does not permanently abrogate the patient’s rights that must be restored or recompensed in due course; necessity only legalizes temporary violation of rights. The temporary legalization of prohibited medical action ends with the end of the necessity that justified it in the first place.
·         This can be stated in al alternative way if the obstacle ends, enforcement of the prohibited resumes/ It is illegal to get out of a difficulty by delegating to someone else to undertake a harmful act.

THE PRINCIPLE OF CUSTOM or PRECEDENT, ‘aadat:
·         The standard of medical care is defined by custom.
·         The basic principle is that custom or precedent has legal force.
·         What is considered customary is what is uniform, widespread, and predominant and not rare.
·         The customary must also be old and not a recent phenomenon to give chance for a medical consensus to be formed.

CASE ANALYSIS#1:
A 60-year old comatose accident victim suffering from severe multi-organ traumatic injury and with a signed organ donation card was evaluated in the ER of a remote rural hospital. Most clinical signs of brain death were positive but two were not. The doctor at the insistence of the family declared death to enable a teenage cousin to obtain a transplant kidney

CASE ANALYSIS #2:
A 40-year old billionaire stage 4 cancer victim with multi organ failure in ICU and on artificial life support was determined clinically dead on the basis of clinical signs repeated after 6 hours. Confirmatory tests were negative. Family members, ready to pay extra ICU costs, begged the physicians to delay death declaration until the wife arrived from overseas

CASE ANALYSIS #3:
A 90-year old deeply comatose man with multiple organ failure was admitted to the last available ICU bed and was put on artificial life support minutes when the family refused a DNR order. A few minutes’ later ambulances started bringing in over 100 casualties from an air crash site. The head of the ICU carried out a rapid assessment of the comatose man showed equivocal clinical signs of brain death; some indicating death and others not. None of the confirmatory tests was positive.


CASE ANALYSIS #4:
In a measles mini-epidemic the MOH orders vaccination of all children with no immunization records. A pediatrician living at the KSU campus with non-school going toddlers refuses to take his children for vaccination arguing that the risk of vaccination complications was higher for his children than the risk of measles infection.

CASE ANALYSIS #5:
A mentally retarded Down syndrome youth aged 15 years had been to court several times for sexual attacks on toddlers. The judge ordered the doctors to suppress his sexual aggression by use of hormones and if that was not effective to remove his testes.

CASE ANALYSIS #6:
A 50-year old with 3 young wives complained of erectile dysfunction caused by his anti-hypertensive medication. When the government hospital refused to provide free Viagra he stopped his anti-hypertensive medication and suffered a stroke.

CASE ANALYSIS #7:
An elderly patient with advanced esophageal cancer refused insertion of a nasogastric feeding tube and insisted on taking sold food that he could not swallow. He said he would prefer to die from starvation than accept the tube. The surgeons sedated him and inserted the tube without his consent and kept him under sedation so that he cannot complain

CASE ANALYSIS #8:
A 30 year old soldier with insulin dependent juvenile diabetes asked for free Viagra from a government clinic before his second marriage and was denied. He did not have enough money to buy the drug for himself. He claims that his first marriage was destroyed by erectile dysfunction

CASE ANALYSIS #9:
In a chemical disaster, there was limited antidote and a decision was made to give it only to children aged below 5 years. Health workers, emergency workers, and the police were angry at this prioritization refusing to work

CASE ANALYSIS #10:
 A 90 year old 100% dependent on a respirator with no hope of independent life asks the doctor to disconnect the machines so that he can die in peace but the doctor refuses. He has no serious disease; he had become dependent on the respirator during a prolonged and poorly managed episode of pneumonia.

CASE ANALYSIS #11:
A socially respected elderly businessman with frequent travel overseas is in terminal illness due to sexually acquired HIV. On discharge from hospital he asks the doctors not to disclose his status to his family because of the shame involved but the doctor refuses

CASE ANALYSIS #12:
A child is seriously ill and requiring immediate blood transfusion and surgery but both parents refuse any intervention saying they know the child is going to die and that is the will of Allah. The doctor decides to respect the parents’ wishes


CASE ANALYSIS #13:
A woman fully competent in slow labor with no impending fetal distress refuses cesarean section but the doctor insists because of fear for his reputation if the delivery gets complicated. He forces the woman to accept a Cesarean section immediately.

CASE ANALYSIS #14:
The MOH imposed a fee on circumcision of boys in all its hospitals. Parents complained on the grounds that circumcision was a medical and not a religious necessity

THE FUTURE CHALLENGE
The challenge before the ummat today is to develop detailed subprinciples of medical ethics similar to what the authors of majallat did for business transactions. This paper will illustrate the use of such principles using some case studies.