تمويل البنوك للجهات التطوعية بالإجازة المنتهية بالتمليك لإنشاء مشاريع استثمارية في المجتمعات الإسلامية: دراسة فقهية

الملخص EN

This research aims to know the nature of lease-to-own and its image that voluntary agencies deal with banks in Islamic societies، in order to rent real estate assets, workshops، workshops and shops in order to establish investment projects on them and then own them after that, and the labor force in those projects is from the poor and unemployed segments.

Work, and clarifying the forms of transfer of ownership and the legal ruling in this contemporary financial transaction by presenting the sayings of contemporary jurists and their adaptation to the transactions in which the jurists of the respected Islamic schools spoke، and the statement of the ruling on the employment of non-Muslim voluntary bodies for the unemployed Muslims in investment projects that they manage in Islamic societies.

through our study، we found that the lease ending with ownership is a contemporary and complex financial transaction that includes a lease, sale، a promise to sell or a gift، and we chose the most popular forms of ownership transfer in practice.

at the end of the last illegitimate rent installment for what the jurists have inferred from the evidence, and the permissibility of the second form which is the association of the lease with a promise of sale or gift of real estate assets at the end of the lease period for what they infer from the evidence, in addition to the permissibility of unemployed Muslims working in investment projects that it manages non-Muslim voluntary bodies in Islamic societies.