السلوك الاقتصادي و علاقته بالمصارف الإسلامية

الملخص EN

The world is witnessing in the contemporary time economic crises, the most important of which was the separation of the investment decision-making process from the behavioral formation of individuals, so the so-called economic behavior appeared, which was based on the presence of many behavioral factors: overconfidence, pessimism, optimism, ...

etc.

The investment and financing decision, as it combines psychology and economics to make financing and investment decisions, and this contradicts what the economic schools are based on which assume that individuals, institutions and governments are rational and predictable their decisions.

Islamic banks are part of the economic system, so they face a great challenge today as they operate in a complex and rapidly changing economic, political, social and technical environment.

Among the most important things on which Islamic banks are based are the ethical values derived from Islamic Sharia.

In view of the rapid change and intense competition in the work environment of Islamic banks, it has become of great importance to formulate and innovate the foundations for investment and financing decision-making within economic behavior from an Islamic perspective that has a holistic view that helps it to grow and continue to achieve its goals according to its systems and work methodology, in order to prove its credibility and purpose.

From its presence to increase confidence in the systems based on the foundations of Islamic law, especially ethics in terms of honesty and strength, and the worker in Islamic banks is an important part of the bank as it expresses the extent to which the Islamic bank adheres to Islamic values and ethical standards, and the basis for taking the appropriate investment and financing decision taking into account all spiritual aspects.

On this basis, the importance of the study is to clarify the economic behavior and its relationship with Islamic banks.