Use of Qardh Hasan in Financing
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Have you use Qard Hasan (Benevolent Loan), look what may distort/tarnish how accessible this type of financing!
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Ijara & istisna
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alhamdulilahi
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- It has a large network of over 900 branches across India and provides various corporate and retail banking services.
- Some key investments and subsidiaries of IDBI Bank that have helped develop India's financial system are listed.
Exim policy of india.
The document summarizes India's Export Import policy. It aims to establish a framework for globalization and promote competitiveness of Indian industry. The policy provides various incentives to support market diversification, technological upgrades, status holders in exports, agriculture/handicrafts/handlooms, gems/jewelry, leather/footwear, and other sectors. It also aims to promote exports from India's northeast region. Key initiatives include expanding focus market and product schemes, zero duty EPCG imports, import entitlements for inputs, and higher incentives for marine and green products.
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The quantum of fund required by big businesses/ corporates for various purposes like expansion, equipment purchase, plant set up, working capital etc. is huge which involves high risk for a single bank to provide the loan required.
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This is also known as joint financing. Loan requirements of government and public sector units are also financed through consortium.
Thank you for watching
Subscribe to DevTech Finance
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1) Diminishing musharakah is an Islamic financing structure where the bank and customer are partners in purchasing an asset like a home, with the bank paying most of the purchase price initially.
2) Over time, the customer makes regular payments to purchase shares of the bank's ownership stake in the home, thereby gradually acquiring more ownership until they own the home outright.
3) This structure links financing to the real asset sector and involves risk and reward sharing between bank and customer as co-owners, unlike conventional mortgages where only the customer bears risk.
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Securitization is a process where illiquid assets like loans are transferred to a special purpose vehicle that issues tradable securities to investors. This allows originators to remove assets from their balance sheets, reducing capital requirements and releasing cash. The SRFAESI Act of 2002 gave banks powers to take possession of defaulted assets like land, buildings, and machinery. It also established Asset Reconstruction Companies to help banks recover dues from borrowers and manage repossessed properties. The Act aims to facilitate a faster recovery process for non-performing assets without court intervention.
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Ijara & istisna
hope you get what you looking for here
thanks a lot for viewing may presentation
alhamdulilahi
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This document discusses credit and loan functions, including evaluating methods of financing a purchase, comparing costs and conditions of secured and unsecured loans, explaining the need for a good credit rating, identifying qualifications needed to obtain credit, and identifying basic provisions of credit and loan laws. Specifically, it examines factors that determine creditworthiness like character, capacity, capital, conditions, and collateral. It also outlines several laws that affect credit and loans, such as the Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Fair Debt Collection Practices Act, and CARD Act.
Musharakah & diminshing musharaka
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www.alhudacibe.com
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Shipping companies have various financing options for acquiring new and second-hand vessels beyond traditional sources like shares and bonds. For new vessels, companies can obtain loans from banks for full payment or installment payments, or receive seller's credit from shipbuilders with installment payments over the construction period secured by a mortgage on the vessel. For second-hand vessels, banks primarily provide term loans or revolving credit facilities secured by the vessel. Syndicated loans with multiple banks and mezzanine financing using hybrid debt/equity instruments are also options.
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This document discusses the application of Musharakah and Mudarabah contracts in Islamic finance and banking. It defines Musharakah as a partnership contract where both parties contribute capital to a project and share profits, while losses are based on capital contributions. Musharakah can be used in trade financing, project financing, syndicated assets, stocks, and securitization. Mudarabah is defined as a contract where one party provides capital and the other provides labor to generate profits, which are shared according to agreement. Mudarabah can be used in deposits, various types of financing, takaful, and sukuk.
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căn hộ Singapore giữa lòng Thành Phố
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Prsnlty
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20150108 cocos2d x-talk
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Fundamental of Islamic Banking - Sources of Funds
Fundamental of Islamic Banking - Sources of Funds - Savings and Investments and the underlying Shariah Concepts
Shari'ah-Compliant Credit Cards - An Analysis Of Underlying Structures
This document analyzes the various structures used for Sharîah-compliant credit cards. It discusses structures based on bay al-înah, ijârah, a combination of ujrah and kafâlah, tawarruq, and a combination of tawarruq and muḍârabah. For cards based on bay al-înah, the bank sells an asset to the customer on deferred payment terms equal to the credit period, then buys it back for a lower price equal to the credit limit. The proceeds are placed in a safekeeping account for the customer to use. The customer must pay the deferred sale price, so the card does not revolve indefinitely.
the-principles-of-islamic-finance nbcesciewcqewigew-150903083621-lva1-app6892...
The document discusses various Islamic finance principles and instruments. It defines Islamic banking as risk-sharing rather than fixed-
The principles-of-islamic-finance
1. Islamic banking is based on Islamic legal concepts like risk-sharing and prohibits interest-based financing.
2. The purpose of Islamic finance is to mobilize resources for development while conforming to Islamic principles like prohibiting Riba (interest) and Gharar (excessive uncertainty).
3. Islamic banks utilize various financing techniques based on profit-and-loss sharing like Mudarabah, Musharakah, Murabaha, and Ijara to provide financing alternatives to interest.
Islamic banking
Islamic banking operates according to Islamic religious principles, which prohibit interest and encourage profit and loss sharing. Some major modes of Islamic banking and financing include murabaha, ijara, ijara-wal-iqtina, istisna, bai muajjal, mudarabah, musharakah, and bai salam. Islamic banking first emerged in Egypt and Pakistan in the 1960s-1970s and has since grown globally. In Pakistan, Islamic banking has a long history and the government has taken steps since the 1980s to gradually Islamize the conventional banking system.
Islamic banking
Islamic banking operates according to Islamic principles, prohibiting interest and requiring profit and loss sharing. It uses various financing modes including murabaha, ijara, istisna, and musharakah. Murabaha involves the bank purchasing an asset for the client and selling it at a higher price. Ijara is a leasing contract. Istisna allows for manufacturing goods with advance payment. Musharakah is a joint partnership. There are differing views on whether profit ratios must match investment ratios.
Islamic banking
Islamic banking operates according to Islamic religious principles, which prohibit interest and encourage profit and loss sharing. Some major modes of Islamic banking and financing include murabaha, ijara, ijara-wal-iqtina, istisna, bai muajjal, mudarabah, musharakah, and bai salam. Islamic banking first emerged in Egypt and Pakistan in the 1960s-1970s and has since grown globally. In Pakistan, Islamic banking has a long history and the government has taken steps since the 1980s to gradually Islamize the conventional banking system.
IFB
this presentation is about the time value of money in Islamic banks and in conventional banks.and it is talks how riba effect our lives.
Islamic banking by G.Reka
This document provides an overview of Islamic banking including its meaning, principles, deposits, differences from conventional banking, benefits, issues and a SWOT analysis. The key points are:
- Islamic banking complies with Sharia law and prohibits interest, requiring profit and loss sharing. It aims to achieve socially and financially acceptable objectives.
- The basic principles are sharing of profit and loss, prohibiting investment in unlawful businesses and interest. Deposits include savings, current and investment accounts.
- It differs from conventional banking in its basis in Islamic principles, risk sharing approach, and status as partners rather than creditors/debtors.
- Benefits include inclusive economic growth, availability of funds, and protection from
Islamic finance as an alternative for supplementary loans in commercial banks
The International Institute for Science, Technology and Education (IISTE). Science, Technology and Medicine Journals Call for Academic Manuscripts
Islamic financial
Mudarabah is an Islamic equity-based contract where the rabbul-maal provides capital to the mudarib for a business venture. Profits are shared according to a predetermined ratio, while losses are borne by the rabbul-maal. There are issues with using mudarabah as the basis for deposit instruments or financing facilities, as some structures violate risk-sharing principles. Bay' Bithaman Ajil (BBA) is an Islamic contract where payment for an asset is deferred through installments. It is commonly used for home financing in Malaysia, though some consider it controversial as the profit rate tracks market interest rates. Legal documentation for BBA financing includes sale and purchase agreements and security documents like charges over
Islamic banking system
The document provides an overview of Islamic banking in Pakistan. It defines Islamic banking as banking consistent with Shariah (Islamic law) which prohibits interest. It discusses the history and principles of Islamic banking including common financing modes like Murabaha, Mudarabah, and Ijara. It outlines the objectives of Islamic banking in Pakistan and describes some major Islamic banks in Pakistan like Meezan Bank, Al Baraka Bank, Bank Islami, and Dubai Islamic Bank. It provides details on the products and services offered by these banks.
islamic-banking-concept-practices-challenges
The document discusses Islamic banking, including its objectives, principles, and mechanisms. The key points are:
1) The objectives of Islamic banking are to promote and develop Islamic economic and financial principles, including justice, kindness, prohibiting interest and uncertainty.
2) Islamic banks mobilize resources primarily through wadiah (current accounts), mudarabah (profit-sharing deposits), and various deposit schemes.
3) Islamic banks utilize resources through murabahah (mark-up sale), bai muajjal (deferred payment sale), bai salam (advance purchase sale), and other permitted modes.
The legality of premium saving certificate (
This document summarizes a paper on the legality of Premium Saving Certificates (PSC) in Islamic law. It provides background on PSC, including its establishment in 1974 and eligibility requirements. It then discusses two key issues analyzed in the paper - whether PSC constitutes gambling, and if the concept of al-wadi'ah applies. Scholars conclude PSC is permissible as it does not meet the definition of gambling and the concept of mudarabah is more appropriate than al-wadi'ah. In conclusion, PSC is allowed in Malaysia as it is not gambling and complies with the concept of mudarabah in Islamic law.
The principles-of-islamic-finance
The document discusses the principles of Islamic finance. It begins by defining Islamic banking as a form of modern banking based on risk-sharing and excluding interest. It states that the purpose of Islamic finance is to mobilize resources to promote development. The two main principles are the prohibition of riba (interest) and gharar (uncertainty). It then discusses various financing instruments in Islamic finance like murabaha, mudarabah, musharakah, ijara, salam and istisna'a.
Islamic Financial System In Saudi Arabia
The document provides an overview of the Islamic financial system in Saudi Arabia. It discusses the history and background of banking in Saudi Arabia, the main Islamic banks and financing products, the Islamic capital market and takaful industry, non-bank financial institutions and fintech development, as well as the main challenges and the way forward for Islamic finance in Saudi Arabia. The key Islamic banks in Saudi Arabia include Al Rajhi Bank, Al Inma Bank, Bank Al Jazira and Bank Al Bilad. Common Islamic financing products are mudarabah, musharakah, murabahah, bai al-inah and tawarruq. The document also examines the Saudi Islamic capital market (sukuk)
Philosophy of Islamic Finance.pptx
This document provides an introduction to the philosophy and features of Islamic finance. It discusses how Islamic banking avoids interest and gambling and aims to achieve ethical practices and economic goals aligned with Islamic principles. It outlines some key features of various Islamic financing tools like debt-creating modes, semi-debt modes, and sharing modes. It also discusses principles like valid gains on investment being allowed if associated with real assets exposed to business risk, and how certain fixed returns are permissible if the transaction meets other Islamic requirements.
Islamic banking and_finance_mba_disserta (1)
This document summarizes an academic paper on whether Islamic banking complements or competes with conventional banks. It begins with an introduction on the origins and growth of Islamic banking as an alternative to conventional interest-based banking for Muslims. The key principles of prohibiting riba (usury or interest) and gharar (deception or ambiguity) in Islamic finance are discussed. It then provides an overview of the paper's literature review on the competitive advantages and customer acceptance of Islamic banking. The methodology section outlines how the author conducted surveys of bank managers and customers in Brunei. It also gives context on Brunei's banking industry and regulations. The findings chapters summarize the survey responses. The conclusion considers whether Islamic banking complements or compet
3[1]
Islamic banking is expanding from the Gulf to India. It prohibits interest and investing in businesses like alcohol or pornography. Products include profit-sharing models like mudarabah and murabahah. Regulatory issues include existing Indian banking laws not fully accommodating practices like ijarah leases. Overall, Islamic banking has potential in India given its diversity, though interest-free options already exist within the current banking system.
The Treatment of Qard in Takaful (short version)
The document discusses the treatment of qard (interest-free loans) in Takaful (Islamic insurance). It begins by contrasting conventional and Islamic insurance models. When a Takaful fund experiences a deficit, the Takaful operator can provide an interest-free qard loan to ensure solvency. However, terms of repayment are sometimes unclear. The document then examines regulatory issues around qard, including disclosure requirements and how qard fits within related party frameworks. It concludes by outlining Malaysia's proposed risk-based capital framework for Takaful operators, including capital adequacy ratios and supervisory interventions when capital levels decline.
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Shari'ah-Compliant Credit Cards - An Analysis Of Underlying Structures
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Use of Qardh Hasan in Financing
- 1. Use of Qardh Hasan in Financing The use of qardh hasan in a correct manner and acceptable by the Shari’ah, would definitely benefit contracting parties. However, if it is inappropriately used, it would potentially create problems, which may tarnish the image of the Islamic financial system. Among the issues that may arise are: 1. Whether qardh hasan, in its true meaning, implies the need to be repaid or otherwise; and 2. Since Islamic banking institutions offer financing by utilizing customers’ deposits who expect returns, the use of qardh hasan as a mode of financing is deemed to be inappropriate. This is because qardh hasan is not meant to generate profit, rather it is benevolent or tabarru`at by nature. Resolution The Council, in its 51st meeting, held on 28th July 2005 / 21st Jamadil Akhir 1426, resolved that the word ‘hasan’ should be taken out after the word ‘qardh’, implying that qardh is an obligation for borrowers to repay their loan to lenders. Issuer: Shariah Advisory Council, Central Bank of Malaysia.