البدائل الشرعية لأدوات الإئتمان الكمي في المصارف الإسلامية

Abstract EN

Islamic banks face serious challenges and many problems.

They operate in an unfavorable environment due to the central bank's arbitrariness in imposing matters contrary to sharia, such as the insurance of risks based on usury and trading in debts, in addition to the lack of means to manage liquidity, the scarcity of innovative and active tools, and lack of Islamic markets to activate its tools.

To protect Islamic banks from this arbitrariness and to overcome these obstacles, useful and effective alternatives must be developed, such as solutions to cash reserves, the open market in imposing a rate discount and the buyback price.

These alternatives depend on the Islamic vision and economic efficiency, leading to an economic development.

It also aims to pursue a clear, integrated plan that provides the right atmosphere for the work of Islamic banks, so that they can gradually contribute to the process of transforming economic resources from traditional activities to activities that rely on promoting real investments and sustainable development, as well as support the real and meaningful economy.

This kind of economy promotes investment and development, eliminates and overcomes obstacles, and creates the right climate for its work.

These activities are an imperative need to be taken into account in order to enable the economy to benefit from the contribution of Islamic banks to the financing of various sectors.

Islamic finance is more efficient and stable, more relevant to economic and social development, and more sought after by citizens, compared to traditional financing based on usury and divergence between the real economy and the financial economy.