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Title: التمـويل بصـيغة المرابـحة للآمـر بالشـراء في المصارف الإسلامية
Authors: عبد الرشيد عبد الله علمي
Keywords: إدارة الأعمال
Issue Date: 2009
Citation: جامعة إفريقيا العالمية- عمادة الدراسات العليا - كلية الاقتصاد والعلوم الإدارية والسياسية - قسم الإدارة العامة
Abstract: Through an introduction and three chapters which entails each one of them a number of other sub topics, as well as outcomes and recommendations, the study has highlighted the topic, whereby the first chapter outlines the philosophy of the Islamic Financing & Banking with a composition to the other secular Financing systems. The second chapter also tackles on the concept of Murabaha as a mode of buying and went ahead to define and explain out some of the reservations done by the Faisal Islamic Banks using this theory. The third and the last Chapter have covered the case study of the research carried on Faisal Islamic Bank in terms of its applications on the Murabaha theory by comparing the Financing volume with the other Islamic theories. The researcher has concluded his study by briefly pointing out the outcomes and recommendations he attained after analyzing the hypothesis of his study, whereby the main hypothesis of the research was that the Murabaha modality which is employed by the Faisal Islamic Bank in a bid to be far away from the interest related transactions, can be considered as an actual substitute of the profit price used by the interest operated Banks. It has also noted that the financing volume of the other Islamic Banks concentrates on the Murabaha Modality besides other Islamic financing methods like Musharakah and Mudharabah. The researcher has arrived at a number of outcomes like the one says most of the Islamic Finances adopts the Murabaha system as it agrees with the third hypothesis. Among the outcomes of the study is that Murabaha method needs more clarifications ad a constant internal monitoring of the concerned Bank beside the higher Legal Monitoring Committee of the Central Bank so as to avert the occurrences of any sort of interest based transactions. The study’s analysis has confirmed that the Murabaha Method with the fulfillment of its conditions and legal requirements can act as a real substitute of the interest based profit of the classical Banks. Apart from the said items, the Researcher has likewise mentioned out some recommendations which entails the establishment of a research centre that conducts studies on the Islamic Economy, especially in the field of Monetary & Financing that serves the entire Islamic Banks. It also emphasized on the completion of the legal Body’s membership supported by experts of Economic, Monetary and Banking backgrounds. Lastly, the Study has recommended that the monetary authorities should encourage the Islamic Banks to employ other Islamic ways of Financing system like Mudharabah, Musharakah and Ijarah.
Appears in Collections:أطروحات الماجستير

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