دور البنوك الإسلامية اليمنية في دفع عجلة التنمية

الملخص EN

The importance of research has emerged through the position occupied by Islamic banks in the banking arena, which had an effective and significant role in facilitating and reviving the wheel of economic development in various fields within a short period of time, using their savings to meet the needs of institutions and the business sector and employing them to increase their contribution to achieving development.

This research aimed to know the extent of the effectiveness of Yemeni Islamic banks in achieving economic development through the financing formulas used in them that show us the extent of their contribution to the volume of investments and the gross domestic product that helps create job opportunities in Yemen.

The researcher found that there is a continuous growth in the size of the assets, total resources and capital of Islamic banks, in addition to that the modes of Murabahah and Istisna'a had a large and effective role in developing projects in the field of housing and building residential cities, while their contribution to the GDP was very small because Islamic banks rely on the Murabahah formula more than the other financing formulas used in them.

Therefore, the researcher recommended finding ways and devising methods that work to attract depositors to increase their deposits and operate them by diversifying the different financing formulas to achieve investment expansion in various economic sectors, and to provide job opportunities in a wider manner.

Also, by increasing the number of branches of Islamic banks in all Yemeni governorates, to provide their services to the largest possible number of citizens, and to spread Islamic banking awareness in a way that serves the achievement of economic development in society.