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actuel crisis
Misbih maryam
plan
Introduction
definition
Principles
Islamic banking
Crisis Impact on islamic banking
introduction
It’s 4 principles:
Principle 1:the prohibition of riba (usury).
Principle2:the prohibition of gharar und maysir
(incertitude ,speculation)
Principle3: investing in businesses that provide
goods or services considered contrary to its
principles (Haraam
Principle3 :Obligation to share profits and
losses in all financial trasanction
Islamic banking
Islamic banking refers to a system of banking or banking
activity that is consistent with the principles of Islamic law
(Sharia) and its practical application through the development
of Islamic economics. Sharia prohibits the payment of fees for
the renting of money (Interest|Usury|Riba) for specific terms, as
well as investing in businesses that provide goods or services
considered contrary to its principles (Haraam). While these
principles were used as the basis for a flourishing economy in
earlier times, it is only in the late 20th century that a number of
Islamic banks were formed to apply these principles to private
or semi-private commercial institutions within the Muslim
community
Example of islamic banking
This crises is due to the subprimes .whitch are loans that the
america banks used to give without garantie.
The islamic bank doesen’t influence by the actuel crisis because:
It is 2dimensions that are prohibit by islam:
Securities issued by the subprime market are
corporate debt based on interest and the interest is
forbidden by Islam. The islamic bank does not invest
in subprime
the prohibition of spéculation
conclusion
Islamic finance is now between 500 and 800 billion of assets managed
by the principles of Sharia and recorded a growth of over 20% over the
last ten years. Especially since it is a young industry she has 30 years
of existence.
Given the current financial crisis, the Islamic financial industry should
set up investment banks to implement the mission of the Islamic
economic system and present the world a new vision and different
methods of asset management and new products Investment for the
true economic value, "said Ahmed Mohammed Ali, President of the
Islamic développementannées Bank. especially since it is a young
industry that it has 30 years of existence..
lafinance islamique fait de plus en plus ses
preuve et offre une alternative pour sauver le
monde d'une catastrophe certaine
D’ailleurs, la dernière étude de Moody’s, une agence de notation et d’analyse
financière, évalue ce marché entre 500 et 700 milliards de dollars. Certains
produits affichent une croissance impressionnante, c’est le cas par exemple du
marché des obligations islamiques, les sukuks.
"C’est un marché qui augmente de plus de 30 % par an", souligne notre invité,
Anouar Hassoune, analyste crédit chez Moody’s. La finance islamique
moderne existe depuis trente ans mais connaît un réel essor depuis quelques
années seulement. Son développement est notamment considérable au
Moyen-Orient et en Malaisie. La finance islamique s’exporte également, de plus
en plus, dans des pays non musulmans mais accueillant une population
musulmane très active… C’est le cas par exemple de certains pays africains et
européens.