خصم الأوراق التجارية و الحكم الشرعي له

الملخص EN

Commercial papers shall be considered transactions in which the law requires a certain formality Which makes them trading in a quick way to achieve the desired goal is to make money in the fulfillment, And the holder may need to collect the value before the due date And resorted to a bank to deduct and capture their value less the commission owed to the bank As well as interest due on the amount of the commercial paper from the date of fulfillment to the due date.

The bank shall immediately give less than the value of the discounted paper and then meet the full value of the paper from the debtor at the end of the term and here lies the problem in this process This deduction, for example, has been graduated as an acceleration of debt repayment for the projection of part of it However, the outgoing faces are controlled by the interest involved in calculating the value of the discount and this is the face of rib Therefore, the deduction, as is done by banks, is not permissible in sharee'ah .