دور شهادات الإيداع الإسلامية في تحقيق النمو الاقتصادي تجارب دول مع الرجوع إلى العراق لعام 2018

الملخص EN

Islamic banks are characterized as multi-functional banks, so theyhave the role of commercial and specialized banks, and do not deal incredit and do not benefit.

They provide financing according to legitimateforms, such as speculation, participation, Murabaha and other means ofinvestment.

Certificates of deposit are considering products that motivatecustomers to save for long periods, while receiving a fair annual profitrate.

This type of Islamic products is one of the modern and importanttools in the field of financial transactions, and that not exist in Iraqpreviously.

This type of Islamic instruments (Sukuk) achieves greateconomic feasibility, as it contributes in mobilize the developmentprocess because it emanates from real activity, and focuses on the originof (plant, farm, Property, Trade.

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etc.

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Therefore, a serious attempt mustbe made to evaluate the developmental role of investment in Islamiccertificates of deposit (Murabaha) issued by the Central Bank of Iraq in2018 in light of its development role.

After discussing the concept andtypes of Islamic certificates of deposits and its development role ingeneral, the development role and the future vision the development roleis clarified (Islamic certificates of deposit) in Iraq in the applied side ofthis research.

The research hypothesis that investment in (Islamic depositcertificates), by Islamic banks in Iraq, leads to increased economicgrowth).

and the research reached the conclusion, that increasing theinvestment in Islamic certificates of deposit, and the amounts invested inthem lead to increase the expected profit of the bank, and thus highliquidity of the bank increasing the savings that result in increasinginvestment and directing it to the productive sectors.

Therefore, theresearchers recommend that Islamic banks should be interested inplanning and supporting the economic feasibility studies of the projectsexpected to be finance in order to support and promote economic growth