العقود المالية المركبة و تطبيقاتها في المصارف الإسلامية

الملخص EN

Combination of Contractsand Its applications in Islamic banksThis study aims to shed light on Combination of Contracts in Islamic banks, where this type of contracts are undergoing a fast and wide, In fact most of these contracts take place in an connected and sequential contractual system leading to Advance Prior Agreement (Muwata`ah) between banks and customers to set up and endorse these contracts Instances of these contracts include, Murabaha to the purchase ordered, diminishing partnership, leasing ending with ownership, organized tawarruq, etc.

Although the subject of Combination of Contracts has been discussed in jurisprudential councils and seminars, there is need to increase for more research and elaboration on the subject as there are still updated models of contracts appearing from time to time, This study focuses on the reality of Combination of Contracts by discussing the concepts on which they are built, the cases of their combination, types of complicity to combine them, their models, and their characteristics, reasons for their combination, the objectives of combining contracts with a trick or usurious excuse, as well as studying the sayings of the jurists briefly for some of their cases, with a focus on the controls of combining them, and then referring to some contemporary applications of combining contracts with their general provisions, The study concluded that these contracts must into account regulations so that the composition does not entail the invocation of what is forbidden according to Shariah.