تمويل الحج و العمرة في المؤسسات المصرفية الإسلامية : البنك الإسلامي الأردني أنموذجا

الملخص EN

The financing of usufruct and services is considered one of the most important innovations in the financing methods of Islamic banking.

It is still the subject of investigation and debate among scholars, jurists and researchers.

Since the usu- fruct that we are examining relates to a Shariah ruling, i.e., the ability to perform hajj, we must explain the opinions of jurists regarding it and whether it permis- sible to fund hajj by what is known as a forward lease of specified usufruct in the liability of the lessor.

Financial institutions employ it in the context of what is called a contract of “murabahah in usufruct”.

The financial institution purchases the usufruct from a service provider and then resells it to the seeker of financing with a markup.

The financial institution is able to reach and sign an agreement with the seeker of financing before purchasing the usufruct because the object of the contract is a liability.

That means it does not have to be existent when sign- ing the contract; it only needs to be available at the time of delivery.

This study investigates the nature of this contemporary funding method by describing it and identifying how it is classified in the Shariah.

Moreover, it examines the economic and social effects on the institution and the individual.

In particular, it conducts an analytic study of the contract used by Jordan Islamic bank to finance this service.