آلية عمل المصارف الإسلامية وفق صيغ التمويل و الاستثمار الإسلامي

Abstract EN

Islamic banking has emerged to meet the growing need by customers to apply the principles of Islamic financial transactions, as well as its ethics of not dealing with the principle of interest (Riba), the mechanisms used to make the good loan available to customers and to invest in zakat funds, which are a priority of Islamic shariah provisions.

the concept of worship and transactions are two sides of the same coin of jurisprudence, which the Muslim individual is supposed to abide by, worship cannot be the priority, lack of interest in Islamic financial dealing, or borrowing from Riba-based banks to pay Riba-based funds and other legitimate taboos that have made the interest of the individual and society axioms that cannot be waived.

there were several experiments in the Arab countries to establish Islamic banking institutions in the middle of the last century, and then developed after legalization and refinement, to be local banks of central banks, and then adopted several Islamic institutions, keeping pace with Islamic banking in lending, investment and cooperation among them as zakat, waqf and others.

the mechanism used in Islamic banking stems from the legal provisions of financial transactions and adopts them as formulas, tools and contracts that can be adapted at any time and place to carry out banking transactions legally and within the applicable laws in addition to helping the development of society economically, through the formulas of participation, lending and investment, which we will review in this research.