التطبيقات المصرفية للقروض المتبادلة بالشرط : دراسة فقهية

Abstract EN

Banks have become an integral part of our daily life; they have become one of the institutions that work day and night to cover the necessities of people so that they can satisfy their daily needs.

In order to be able to satisfy their customers, banks use the so-called reciprocal loans, whereby a loan is tied to an equivalent (reciprocal) loan in terms of amount and period - a necessary banking operation between Islamic Banks and other banks, including the Central Bank.

The reciprocal loans may be subject to suspicion of Usury (Riba) as the lender benefits from the loan by stipulating the obtainment of it and the contract is bound upon another contract.

However, since both parties, the borrower and the lender, equally benefit from the transaction, and because of the need for such loans in order for the banks to meet the daily liquidity requirements to fulfill the needs of their customers, a group of scholars have ruled on the admissibility of a loan for a loan under the following conditions: (a) interest –free (the loan does not involve an increment); (b) the amount of money is equal; (c) the loan term is equal