تطوير المنتجات التمويلية بصيغة المرابحة والتأجير التمويلي المنتهي بالتمليك للحد من المخاطر والمعوقات دراسة حالة تطبيقية "البنك الإسلامي الأردني" نموذجا
This study aimed at developing financing mechanisms using Islamic products and introducing the forms of Murabaha and (al-ta’jil al-tamwiliy al-muntahiy bi al tamlik) or financial leasing ending with ownership to reduce the risks and obstacles faced by the Jordan Islamic Bank. The researcher used the...
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| Format: | Thesis |
| Language: | other |
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| Summary: | This study aimed at developing financing mechanisms using Islamic products and introducing the forms of Murabaha and (al-ta’jil al-tamwiliy al-muntahiy bi al tamlik) or financial leasing ending with ownership to reduce the risks and obstacles faced by the Jordan Islamic Bank. The researcher used the descriptive approach to study the risks and obstacles through the practical reality of working with Islamic products in the form of Murabaha and the form of (al-ta’jil al-tamwiliy al-muntahiy bi al tamlik). The researcher also used the analytical approach in the researcher’s aspiration to know the risks and obstacles by analyzing the percentage of change in the financial statements, in order to contribute to the modernization and development of these mechanisms that help to increase dealing with Islamic products, by proposing recommendations that limit the risks and obstacles facing the Jordan Islamic Bank internally and externally and thus leads to an increase of using Islamic banking products. The results of this study proved the bank's internal obstacles related to human resources, investment policies, technical and administrative procedures, the bank's external obstacles related to the bank's customers, the instructions of the Central Bank of Jordan, and the Jordanian banking market. The researcher proved many risks facing Islamic finance in the form of Murabaha and (al-ta’jil al-tamwiliy al-muntahiy bi al tamlik) in the Jordan Islamic Bank, which are: credit risks, market risks, commercial risks, financial risks, operational risks, non-compliance risks, and legal and legitimacy risks |
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