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Access to Finance and Collaterals: Islamic Versus Western Banking فرص الحصول على التمويل وعلاقتها بالرهن والضمانات بين النظامين المصرفيين الإسلامي والغربي

In: Issues in the International Financial Crisis from an Islamic Perspective-05 قضايا في الأزمة المالية الدولية من منظور إسلامي

Author

Listed:
  • ABDEL HAMID ABDOULI

    (Arab Authority for Agricultural Department and Investment, Dubai)

Abstract
An Islamic banking system can help the emergence of a just and growing economy by providing the opportunity for projects to obtain financing in a participatory format, a formula that does not require a mortgage. This is very different from the traditional banking system, which insists on asking for mortgages, which makes it biased against small enterprises, and towards rich people and wealth, which is detrimental to the distribution of income. While the Islamic banking system is expected to help improve income distribution. يمكن للنظام المصرفي الإسلامي أن يساعد على ظهور اقتصاد عادل ونام من خلال إتاحته الفرصة للمشروعات لتحصل على التمويل بصيغة مشاركة، وهي صيغة لا تستلزم تقديم رهن. وهذا يختلف اختلافًا بينًا عن النظام المصرفي التقليدي الذي يصر على طلب رهون مادية، مما يجعله ينحاز ضد المؤسسات الصغيرة، ونحو ذوي الغنى والثروة، الأمر الذي يسيء إلى توزيع الدخل. في حين أن النظام المصرفي الإسلامي يتوقع منه أن يساعد على تحسين توزيع الدخل.

Suggested Citation

  • Abdel Hamid Abdouli, 2009. "Access to Finance and Collaterals: Islamic Versus Western Banking فرص الحصول على التمويل وعلاقتها بالرهن والضمانات بين النظامين المصرفيين الإسلامي والغربي," Chapters of books published by the Islamic Economics Institute, KAAU or its faculty members., in: Islamic Economics Institute (ed.),Issues in the International Financial Crisis from an Islamic Perspective-05 قضايا في الأزمة المالية الدولية من منظور إسلامي, edition 1, chapter 13, pages 233-241, King Abdulaziz University, Islamic Economics Institute..
    • Handle: RePEc:abd:ieibch:113
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    References listed on IDEAS

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