Concept of banking in islam
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The document discusses the concept of banking in Islam. It outlines how interest (riba) is forbidden in Islam and explains permissible alternative financing models like mudharabah, musharakah, and murabaha that are based on profit and loss sharing. It also discusses the structure of Islamic banks, including profit sharing arrangements with depositors and investment of reserves and surplus funds in sharia-compliant ways. The role of central banks and handling of inter-bank flows and foreign branches are addressed.
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1. It discusses the history of Islamic finance which originated over 1500 years ago and saw growth during classical periods but declined under colonial rule before reviving in the 1960s.
2. It describes the inception of modern Islamic banking with the Dubai Islamic Bank in 1975 and the challenges it faced in a system dominated by interest-based conventional banking.
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The document provides an overview of Islamic banking concepts and practices. It defines Islamic banking as a system based on Islamic law that follows the rules of Fiqh Muamalat. The key practices discussed include Murabahah, Mudarabah, Musharakah, Ijarah, Istisna, and Qard which are based on trade, equity participation and service. The document also contrasts Islamic and conventional banking, highlighting that Islamic banking prohibits interest and involves profit and loss sharing.
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This document summarizes an Islamic banking conference presentation about the common perceptions of Islamic banking, the current state of Islamic finance globally, and its future prospects. The presentation discusses how Islamic banking differs from conventional banking in avoiding interest and being asset-backed. It provides an overview of the growth of Islamic financial institutions and products around the world and their projected continued expansion in the future.
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Objectives, Philosophy and Principles of Islamic Banking by Sudin Haron, W. Nursofiza, (2009). Islamic Finance and Banking System : Philosophies, Principles & Practices. Selangor, Malaysia. McGraw-Hill (Malaysia) Sdn. Bhd.
Islamic Banking
This document provides an overview of Islamic banking through a presentation by several members. It begins with an introduction to Islamic banking principles such as prohibiting interest and encouraging profit and loss sharing. It then discusses various Islamic financing modes like murabaha, ijara, musharakah, and sukuk. The document also covers the history and development of Islamic banking, current practices in countries like the UK, and challenges related to standardization and a shortage of qualified scholars and professionals.
Islamic Finance
The document provides an overview of Islamic finance instruments, with a focus on Murabaha. It defines Murabaha as a sale transaction where the seller discloses the cost of goods to the buyer and adds a known profit margin. The key steps of a Murabaha transaction are that the bank appoints the client as an agent to purchase goods, then the bank sells those goods to the client on a deferred payment basis at a marked-up price including the disclosed profit. Several legal documents are required to structure a Sharia-compliant Murabaha deal.
Functions of banks
The document defines banking as accepting deposits that are repayable on demand or at a later date and can be withdrawn by cheque or draft. It discusses the main functions of banks as accepting various types of deposits like fixed, current, savings, and recurring deposits, and lending loans with different durations like call, short term, medium term, overdraft, cash credit, and bills of exchange. The document also lists additional financial services banks provide like merchant banking, leasing, mutual funds, venture capital, ATMs, telebanking, credit cards, locker services, and underwriting.
Mudarabah
This is an authentic presentation on the fiqh and practical applications of the Islamic financial instrument of Mudarabah. This is compiled from authentic sources and is relevant especially against the backdrop of Islamic banking.
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The History of Islamic Bank - Chap 1 (Islamic Banking)
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Objectives, Philosophy and Principles of Islamic Banking
Objectives, Philosophy and Principles of Islamic Banking
Similar to Concept of banking in islam
Al Baraka Bank, Karachi,Pakistan.
1. Al Baraka Bank (Pakistan) Limited offers a wide range of Islamic financing products like Murabaha, Ijarah, Musharakah, and Islamic export refinance to corporate, SME, and consumer sectors.
2. The bank manages assets through working capital finance, project finance, trade finance, and real estate finance. It invests in sukuk/bond certificates, ordinary shares, and mutual funds.
3. On the liability side, the bank attracts deposits through various savings and investment accounts that distribute profits according to Islamic principles of Mudarabah and Diminishing Musharakah.
DIFFERENCES BETWEEN ISLAMIC BANKING SYSTEM AND CONVENTIONAL SYSTEM
The document summarizes the key differences between Islamic banking systems and conventional banking systems. The Islamic banking system is based on Islamic law (Sharia) and prohibits collecting or paying interest. It promotes profit and loss sharing between investors and entrepreneurs. In contrast, conventional banking provides loans and deposits with predetermined interest rates and aims to maximize profit without restrictions. Some other differences include that Islamic banks participate in business partnerships while conventional banks provide loans, and Islamic banks emphasize project viability rather than client creditworthiness.
Treatment_of_Excess_Liquidity_in_Islamic_Banks.pdf
This document discusses various options for how an Islamic central bank can manage excess liquidity in Islamic banks in a Shari'ah-compliant manner. It proposes three main approaches: 1) Recycling Islamic bank reserves by investing them in other Islamic banks through Mudarabah contracts. 2) Creating investment instruments like units in government asset pools or lease bonds that comply with Shari'ah. 3) Accepting certificates of placement from international Islamic investment funds as reserves with the central bank. The document provides details on how each of these three approaches could work to allow Islamic banks to earn returns on their reserves in a way that does not involve interest.
MY SBPFULL pptx
This document provides an outline for a presentation on Islamic banking. It begins with introducing the presenter and their qualifications. It then outlines the topics to be covered, including the history of Islamic banking, how it operates in Pakistan, the differences between Islamic and conventional banking, the principles of Islamic banking, common Islamic financial terms, Islamic laws on trading, modes of Islamic financing, and the role of the State Bank of Pakistan in regulating Islamic banks. It provides details on the history and development of Islamic banking in Pakistan. It explains the key differences between Islamic and conventional banking and the main principles and modes of Islamic financing like murabahah, musharakah, and mudarabah.
Banking services -review_notes
This document provides an overview of banking services in India. It begins with definitions of banking as per Indian law and a brief history of banking in India. It then discusses the different types of scheduled commercial banks in India and provides an overview of their structure and functions. The document also covers key banking concepts like asset liability management, risk exposures banks face, Islamic banking, bank performance metrics, and the shadow banking system.
Unit 4 (pool management)
This document discusses the concept of investment pools in Islamic banking at Summit Bank. It explains that remunerative customer deposits and financing assets are allocated to different investment pools based on their source of funds, including a general pool, treasury pool, equity pool, and special mudarabah pools. Rules for pool management include capping the bank's mudarib share at 50% of profits and maintaining at least 20% saleable assets. Weightages are used to distribute profits among depositors with different amounts and maturities. Special rate deposits can be accepted through special pools that invest in higher risk/return sectors.
guideislamicbnk.pdf
The document provides guidelines for conducting Islamic banking in Bangladesh. It discusses the growth of Islamic banking in the country and the need for uniform guidelines according to Islamic principles. It then defines key terms used in Islamic banking operations and lays out criteria for obtaining a license to open either a full-fledged Islamic bank or Islamic banking branches of conventional banks. Requirements include minimum capital, ownership limits, experience requirements for leadership, and a commitment to operating according to Islamic principles and in compliance with regulatory guidelines.
guideislamicbnk.pdf
The document provides guidelines for conducting Islamic banking in Bangladesh. It discusses the growth of Islamic banking in the country and the need for uniform guidelines according to Islamic principles. It then defines key terms used in Islamic banking operations and lays out criteria for obtaining a license to open either a full-fledged Islamic bank or Islamic banking branches of conventional banks. Requirements include minimum capital, ownership limits, experience requirements for leadership, and a commitment to operating according to Islamic principles and in compliance with regulatory guidelines.
guideislamicbnk.pdf
The document provides guidelines for conducting Islamic banking in Bangladesh. It discusses criteria for setting up full-fledged Islamic banks, terms for conventional banks to open Islamic branches, and the process for converting a conventional bank to an Islamic bank. Key points include minimum capital requirements, separate accounting and financial statements for Islamic branches, liquidating interest-based transactions prior to conversion, and disposing of impermissible earnings through charity.
Commercial banks analysis
The document discusses guidelines issued by the State Bank of Pakistan for commercial banks to undertake microfinance business. It outlines four modes through which commercial banks can provide microfinance services, including establishing microfinance counters in existing branches. It also details various prudential regulations for commercial banks' microfinance operations under modes I, II, and IV, covering areas like maximum loan size, exposure limits, classification/provisioning of loans, rescheduling/restructuring, write-offs, pricing, and operational policies. For mode IV involving linkages with MFBs/NGOs, additional regulations around personal guarantees, securities, and minimum conditions for exposure are specified.
Literature review on working capital
This document discusses working capital management practices at various banks in India. It provides case studies on 10 banks - Bank of Baroda, Corporation Bank, HDFC Bank, ICICI Bank, Canara Bank, Indian Overseas Bank, Punjab National Bank, Bank of Maharashtra, Kotak Mahindra Bank, and Axis Bank. For each bank, it outlines the types of working capital financing offered, assessment methods, security requirements, and other policies related to working capital loans.
TOPIC_5_b_-_Islamic_Bkg_Ops_Instruments_Retail_only_.pptx
Islamic banking operates according to Shariah principles and uses different financial instruments than conventional banking. An Islamic bank acts as an intermediary between surplus and deficit financial units by channeling funds using equity-based and debt-based instruments. As an efficient intermediary, an Islamic bank offers competitive money and capital markets, reduces information and transaction costs, and protects customers from risks through a stable payment system and risk management products. The balance sheet of an Islamic bank includes various financing instruments like trade, home, and auto financing as assets, and investment accounts and capital as liabilities.
Islamic liquidityalternatives
Discussion on various options available with Islamic Banks to manage their day to day liquidity position.
Commercial Bkg
This document provides an overview of various types of banking in India including commercial banking, unit banking, branch banking, retail banking, wholesale banking, and universal banking. It discusses the key features and merits and demerits of each type. It also summarizes the Reserve Bank of India Act of 1934 and the Banking Regulation Act of 1949, including requirements around cash reserve ratio, statutory liquidity ratio, and prudential norms. Finally, it outlines the structure of the Indian banking system.
Lecture 4 commercial bank, cash reserve,credit creation
Commercial banks provide services like accepting deposits, making business loans, and offering investment products. They primarily accept deposits from customers and use those funds to issue loans. When customers deposit money, banks only keep a portion as reserves as required by law, usually 10%, and lend out the rest. This allows banks to create new deposits and expand the money supply through a multiplier effect. As deposits from one bank are deposited in other banks and those banks lend funds again, the amount of credit created can be several times the initial deposit through the process of multiple expansion.
Indian financial system
This document discusses commercial banks and non-banking financial institutions. It defines commercial banks as financial institutions that accept deposits and provide loans. It describes their key functions like accepting deposits, providing loans, credit creation, fund transfers, and overdraft facilities. It also discusses recent trends in commercial banking like electronic payment services. The document then defines non-banking financial institutions and describes their role in mobilizing resources and providing long-term financing to support economic development.
Set 2
CBLO is a money market instrument that allows entities access to borrow and lend funds against securities for short periods of 1 day to 1 year. It involves CCIL acting as an intermediary between the borrower and lender. Capital employed represents the total long-term funds from shareholders and creditors used in a business. It is used to calculate return on capital employed (ROCE). A qualified institutional buyer (QIB) is an institution that can privately purchase securities from listed companies to help companies raise funds within India's domestic market. The statutory liquidity ratio (SLR) is the minimum fraction of deposits that banks must maintain as liquid assets like government securities and cash.
Practices of financing in if is
1) Islamic banks obtain funds from deposits and use those funds to finance various approved investment activities like trade financing. More than 75% of funds come from deposits.
2) Financing must follow Shariah principles like prohibiting interest and uncertainty and balancing individual and societal needs.
3) The bank uses modes like murabahah, ijarah, mudharabah and musharakah with different structures for purchasing, leasing or jointly investing in assets and sharing profits and losses according to capital contributions.
Al huda presentation on islamic banking by muhammad asad bok
Al huda presentation on islamic banking by muhammad asad bokAlhuda Centre of Islamic Banking & Economics
The presentation provided an overview of Islamic banking in Pakistan, including:
1) A brief history of Islamic banking in NWFP including the conversion of Bank of Khyber to an Islamic bank in 2003.
2) Details on the Shariah Supervisory Committee that oversees Islamic operations.
3) Key differences between Islamic and conventional banking, with Islamic banking prohibiting interest but allowing for asset-backed and value-adding financial activities.Chapter-_12.docx
This document provides guidelines for the practice of Islamic finance in Bangladesh, including guidelines for Islamic banking, criteria for setting up Islamic banks, and terms for conventional banks to open Islamic banking branches or convert to Islamic banks. It defines key terms used in Islamic banking and outlines requirements such as separate accounting systems and financial statements for Islamic banking operations. It also addresses how to handle existing interest-based assets and obligations when converting to Islamic banking to ensure compliance with Shariah principles.
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办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
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Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Enhancing Asset Quality: Strategies for Financial Institutions
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
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Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
Bridging the gap: Online job postings, survey data and the assessment of job ...
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OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.Economic Risk Factor Update: June 2024 [SlideShare]
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
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在线办理(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单一模一样
学校原件一模一样【微信：741003700 】《(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
falcon-invoice-discounting-a-premier-investment-platform-for-superior-returns...
falcon-invoice-discounting-a-premier-investment-platform-for-superior-returns...Falcon Invoice Discounting
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永久可查学历认证【微信：A575476】【美国新罕布什尔大学(unh)毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
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Concept of banking in islam
- 1. CONCEPT OF BANKING IN ISLAM BY Gulfraz wali BBA/MBA International Islamic University ISLAMABAD/H-10 E-Mail : fraz_iiu@yahoo.com
- 3. CONCEPT OF BANKING IN ISLAM يا ايها الذين امنوا اتقوا الله و ذروا مابقى من الربا ان كنتم مومنين فان لم تفعلوا فاذ نوا بحرب من الله و رسوله . Al Baqarah (2):278, O Believers fear Allah Subhanaho Wa Ta’ala and give up that interest which is still due to you, if you are true believers, but if you do not do so, then you are warned of the declaration of war against you by Allah Subhanaho Wa Ta’ala and His Messenger”.
- 4. CONCEPT OF BANKING IN ISLAM الَّذِينَ يَأْكُلُونَ الرِّبَا لَا يَقُومُونَ إِلَّا كَمَا يَقُومُ الَّذِي يَتَخَبَّطُهُ الشَّيْطَانُ مِنَ الْمَسِّ ذَلِكَ بِأَنَّهُمْ قَالُوا إِنَّمَا الْبَيْعُ مِثْلُ الرِّبَا . Al Baqarah (2):275 Those who take usury shall rise up before Allah Subhanaho Wa Ta’ala like Satan have demented, bewitched and maddened by his touch. They have been condemned to this condition because they say, "Trade is just like interest".
- 5. CONCEPT OF BANKING IN ISLAM لعن الله اكل الربوا مؤكله و كاتبه و شاهديه و قال هم سواء . Muslim bin Hajaj Al Qasheery, Sahih, Baab Al Riba. Allah Subhanaho Wa Ta’ala has imprecated Usurer, the one who writes Usury Contract documents, and its witnesses and said all of equal in Allah Subhanaho Wa Ta’ala's imprecation”.
- 6. CONCEPT OF BANKING IN ISLAM اكل الربوا يبعث يوم القيامة مجنونا . Narrated by Ahmed Abu Dawood, Baab Al Riba . Usurer shall rise maddened before Allah Subhanaho Wa Ta’ala on the Day of Judgment”.