حقيقة التورق البنكي المنظم، و البدائل الشرعية المقترحة لتصحيح مسار و عمل البنوك الإسلامية في هذا المنتج

Abstract EN

This research aims to know the reality of banking tawarruq organized in Islamic banks, which shed a lot of ink because of the way it works and the similarities around it.

And we followed the descriptive, analytical and critical approach in this research, which led us to the fact that the organized banking tawarruq is a clear ploy and a scandalous and open method for Bayʻ al-‘Īnah that is forbidden by Sharia in the books of Islamic jurisprudence, through the bank arranging contracts and documents in papers only without them being there.

Actual and real movement of goods in the market as opposed to individual or unorganized tawarruq.

Therefore, it is considered one of the forbidden transactions that the Holy Shari’a has prohibited, because it leads to usury, and this is what many of those who oppose this formula, including contemporary scholars and specialized researchers, have argued.

And as we have proven that there are many legitimate alternatives that Islamic banks can rely on to correct their course of action and achieve the purposes of the Islamic economic system, which are based on the real economy, not on illusion, on comprehensive development and striving to create real wealth and added value