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For example, a girl could reach puberty at age eleven, yet even by age twelve, she’s not physically able to handle intercourse. In this scenario, in Islam, she wouldn’t consummate her marriage yet, aside from the Hanbali school, which dictates that a husband can force it at the age of nine. If a girl reached puberty at age eleven but she was able before the age of nine to handle intercourse, in Islam her marriage would be consummated at age nine. Being physically able to handle intercourse is different for each individual. It could happen before or after puberty, and this is the position of the Muslim scholars; puberty is not relevant when the decision is made.