الوديعة النظامية في البنوك المركزية : مفهومها-أهميتها-تكييفها الفقهي

الملخص EN

Through this research, we are aiming at linking the contemporary economy with Islamic jurisprudence of financial transactions and to learn the Shari’ah knowledge by exploring the contemporary issues, as well to show the significance of regulatory deposit for maintaining credit level across the banks, besides explaining the Shari’ah ruling for regulatory deposit.

The exploratory methodology has been applied followed by the comparative methodology.

The researcher has reached to a few conclusions; prominently the regulatory deposit includes some benefits which could be added to the category of “Maslaha Murslah”, it will be ruled out to be permissible as long as it doesn’t involve any forbidden element and fulfills the conditions as per Shari’ah.

The researcher suggests that a few Shari’ah compliant ways should be devised to protect the rights of all kinds of bank depositors, likewise these ways shouldn’t cause any harm to any of the stakeholders by detaining the money without benefitting from its proceeds.