أثر الزمن في بيع الأجل في الفقه الإسلامي : و التطبيقات المالية و المصرفية المعاصرة

الملخص EN

This article aims to tackle the effect of time on term selling in Islamic jurisprudence.

Time is considered as an economic driver that has its characteristics and importance in the Islamic economy.

It is also a circumstantial means in contractual relations.

Time is not a commodity in itself so that it is bought and sold for its own sake, nor is it a commercial transaction that profits for the time sake.

Rather, economic activity takes place through time, and it is usually based on a financial contract or commercial netting, whether its dependence is influential or not.

The researchers have concluded that the effect of time on term selling has a clear impact on proving the economic value of sale operations without loan operations, which is what is required by the provisions of Sharia.

Therefore, people's interests are obtained by it.

The term sale with an increase in the price due to postponement is permissible according to the majority of scholars.

The decisions of the international Islamic scientific academies were issued, whether the seller was a bank or other, when the conditions for the validity of the sale were met, and they were consistent with the Sharia constraints.

Contemporary Islamic banks adopt multiple forms of financing in term selling, including the formula of "sale in instalments".

It contributes greatly to satisfying the needs of individuals for goods and other needs and necessities.

Term selling in its standard form, according to the decisions of the jurisprudence scientific councils, is difficult to apply normatively in Islamic banks due to the fact that it lacks many controls of banking dealings.

Thus, there is a dire need to develop these standard formulas to become more suitable for application in Islamic banks so that they conform to Islamic Sharia in their structure and purposes.