إنموذج مقترح لاستحداث المنصة الإلكترونية للمرابحة و أثرها في زيادة ربحية المصارف الإسلامية
Joint Authors
هيثم عبد الخالق إسماعيل
رضا، سجاد عبد الله محمد
Source
مجلة كلية بغداد للعلوم الاقتصادية الجامعة
Issue
Vol. 2020, Issue 62 (30 Sep. 2020), pp.359-380, 22 p.
Publisher
Baghdad College of Economic Sciences University
Publication Date
2020-09-30
Country of Publication
Iraq
No. of Pages
22
Main Subjects
Financial and Accounting Sciences
Topics
- Islam
- Activities
- Feasibility studies
- Resale on profit
- Religious aspects
- Banking
- Credit cards
- Commercial banks
- Islamic Banks
- Personal loans
- Electronic banking services
Abstract EN
The research dealt with the problem of the inability of Islamic banks to issue credit cards that accept overdraft depending on the hypothesis of research which states introducing an electronic platform through which the technique of “Al Murabaha” and "Al Murabaha” Purchase Order (MPO) method is used, enabling the Islamic banks of taking the advantages of credit cards services in addition to achieving profits.
The research also discussed the feasibility study of issuing credit cards and depending only on their commissions and reviewing financial data of commercial banks to determine their feasibility.
Financial data were also presented for consumer societies that sell on-time to be familiar with the profits of this activity and whether it is possible to connect it with online stores through establishing an electronic platform owned by the Islamic bank through which the goods are showed by the merchants, and the items are bought by the costumers while the bank plays the role of the manager and financer for all the operations performed within the platform.
It was recommended that the platform should be developed and used to finance the bank costumers though providing consumer loans for the users of the platform, we also recommended of using modern technology to activate the use of credit cards on one side and increasing the profits of Islamic banks on the other side.
American Psychological Association (APA)
رضا، سجاد عبد الله محمد وهيثم عبد الخالق إسماعيل. 2020. إنموذج مقترح لاستحداث المنصة الإلكترونية للمرابحة و أثرها في زيادة ربحية المصارف الإسلامية. مجلة كلية بغداد للعلوم الاقتصادية الجامعة،مج. 2020، ع. 62، ص ص. 359-380.
https://search.emarefa.net/detail/BIM-1261541
Modern Language Association (MLA)
رضا، سجاد عبد الله محمد وهيثم عبد الخالق إسماعيل. إنموذج مقترح لاستحداث المنصة الإلكترونية للمرابحة و أثرها في زيادة ربحية المصارف الإسلامية. مجلة كلية بغداد للعلوم الاقتصادية الجامعة ع. 62 (2020)، ص ص. 359-380.
https://search.emarefa.net/detail/BIM-1261541
American Medical Association (AMA)
رضا، سجاد عبد الله محمد وهيثم عبد الخالق إسماعيل. إنموذج مقترح لاستحداث المنصة الإلكترونية للمرابحة و أثرها في زيادة ربحية المصارف الإسلامية. مجلة كلية بغداد للعلوم الاقتصادية الجامعة. 2020. مج. 2020، ع. 62، ص ص. 359-380.
https://search.emarefa.net/detail/BIM-1261541
Data Type
Journal Articles
Language
Arabic
Notes
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Record ID
BIM-1261541