Presentation banking 2
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This document discusses Islamic banking instruments, including: 1) Ar-Rahn (collateralized borrowings) which allows using an item as collateral to secure a debt that can be repaid to reclaim the item. 2) Al-Qardhul Hasan (benevolent loan) which are interest-free loans mainly for welfare, requiring only repayment of the principal amount. 3) Al-Hiwalah (remittances) which allows transferring debt from one party to another, offering money transfer services with various fees. 4) Al-Dayn (debt financing) which provides short-term resources for production/commerce through purchase/sale of trade documents, with
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This document provides an overview of Islamic banking. It begins by emphasizing the importance of trade in Islam. It then discusses why Islamic banking is important by explaining that Islam provides guidance for all aspects of life and that interest-based systems do not achieve the Islamic economic objectives of equal wealth distribution and social justice.
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This document provides an overview of Islamic letters of credit. It discusses how they work under contracts like Murabahah and Wakalah, the parties involved, required documents, and issues like potential riba and discrepancies. The key points are:
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This document provides an overview of Islamic letters of credit. It discusses how they work under contracts like Murabahah and Wakalah, the parties involved, required documents, and issues like potential riba and discrepancies. The key points are:
- Islamic letters of credit guarantee payment for international trades using Shariah-compliant structures like Murabahah and Wakalah.
- They involve an issuing bank, negotiating bank, exporter, and importer, and require documents like invoices and transport documents.
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BY ZALEHA ZAIN.
In our world nowadays, the contract of Al-Bay’ Bithaman Ajil (BBA) had always been used for long time duration of financing. For example, home financing. In Malaysia also, this concept is popular and it showed that at the Kuala Lumpur High Court alone, 90% of the 3,200 Muamalat cases registered between 2003 to 2009 concerns BBA . While the BBA is popular, it has proven to be quite unsatisfactory to the customers and bankers. That’s why Musharakah Mutanaqisah concept is being argued as a better contract than BBA for long time duration.
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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.
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Islamic Banking
This document outlines a presentation on Islamic banking. It includes:
- A list of group members and their student IDs.
- An outline of topics to be covered including the history, principles, and differences between Islamic and conventional banking.
- Descriptions of Islamic banking concepts such as prohibiting interest, using gold dinars as currency, and basing the modern system on avoiding riba (usury).
- Examples of Islamic financial institutions and the first Islamic bank being Dubai Islamic Bank established in 1975.
- Mention of verses from the Quran and hadith related to prohibiting interest/riba in financial transactions.
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The document discusses various Islamic banking products and services offered by BankIslami including home financing, auto financing, savings accounts, investment certificates, and corporate banking services. The home financing and auto financing facilities are based on principles of Diminishing Musharakah and Ijarah, allowing customers to gradually purchase ownership units from the bank over time. The document also outlines various takaful plans offered in partnership with Pak-Qatar Family Takaful for savings, investments, and insurance coverage.
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[1] Kafalah bank guarantee is a facility provided by Islamic banks in Malaysia to guarantee obligations, where the bank agrees to pay a third party if the customer defaults. It operates on the principle of kafalah (guarantee).
[2] There are debates around whether fees can be charged for kafalah guarantees given its nature as a tabarru (benevolent) contract. Opinions differ on whether it becomes a commercial contract if fees are charged.
[3] If default occurs and the bank pays the third party, some view this as the bank providing qard (benevolent loan) to the customer, who then must repay the bank. Others argue it
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The document discusses establishing an Islamic letter of credit (ILC) for international trade that complies with Islamic law (Shariah). It proposes:
1. Creating an Islamic business environment and global Islamic bank network to ensure all rules and regulations in trade are derived from Islamic law.
2. Islamizing the major banks involved in letters of credit through new Islamic banking windows to minimize conflicts with Shariah requirements.
3. Establishing a Global Islamic Bank Consul and International Islamic Chamber of Commerce to regulate the ILC process and standards.
4. Structuring the ILC based on Islamic contracts like Wakalah, Murabaha, and Musharakah to interpret the roles and procedures
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The document presents information on an easy home financing product based on the Islamic financing structure of diminishing musharakah. Key points include:
- Meezan Bank offers an easy home financing product that allows customers to purchase a home through monthly installments in a sharia-compliant manner without interest.
- The product is based on the concept of diminishing musharakah, where the bank and customer jointly own the property and the customer gradually purchases the bank's share over time.
- The document provides details on payment plans, profit calculations, examples of payment schedules, and frequently asked questions about the diminishing musharakah structure and easy home financing product.
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The document provides information about Islamic banking based on an essay written by S. Karunya for their class on the topic. It discusses the origins and principles of Islamic banking, including prohibitions on interest, uncertainty, and gambling. Key concepts covered include equity participation instead of interest for loans and investments, different approaches to risk sharing, and prohibitions on certain activities like margin trading and speculation on futures. The stages of development, types of deposits, funds, and insurance in Islamic banking are outlined. Challenges and a list of current Islamic banks in India are also mentioned.
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Gadaian Islam (Ar Rahn)
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Bay al dayn
Bay al-dayn refers to the sale of debt in Islamic finance. It involves the sale and purchase of a quality debt, either to the debtor or a third party. There are differing views among Islamic scholars on whether debt can be sold to a third party. Proponents argue it can be allowed subject to certain conditions to avoid risks like gharar. Critics argue the sale of debt to non-debtors is prohibited due to issues like selling something one does not possess.
ar rahnu
This document discusses the concept of al-rahn in Islam. It begins by defining al-rahn as taking a property as security against a debt such that the secured property can be used to repay the debt if not paid. It then discusses evidence for al-rahn from the Quran, hadith, and scholarly consensus. The key pillars and flows of an al-rahn contract are explained. Benefits include being interest-free and protecting women's assets. Conditions address the contract parties, the pledged object and debt. Modern applications include use of documents and valuables. Al-rahn aims to ensure debt repayment in a fair and transparent manner.
HIWALAH
The document defines and discusses the concept of al-hiwalah, an Islamic contract that involves the transfer of debt from one party to another. It provides key details on al-hiwalah, including its definition, evidence and pillars supporting it in Islamic jurisprudence, categories, issues, and application. Examples are given to illustrate types of restrictions and conditions for a valid al-hiwalah contract.
Islamic financial instruments
This document discusses Islamic financial instruments. It begins by outlining the principles of Islamic banks, including prohibitions on interest and investing in ethical businesses. It then describes the objectives of Islamic banks as promoting financial transactions and investments according to Islamic principles. The document goes on to summarize various types of Islamic financial instruments for mobilizing funds, such as savings accounts, investment accounts, and sukuk bonds. It also describes instruments for utilizing funds, including mudaraba (partnership), musharaka (equity participation), murabaha (cost-plus financing), and ijara (leasing).
AL-QARDH
This document defines and discusses the concept of Qardh al-Hassan (benevolent loan) in Islam. It provides definitions, evidence from the Quran and Hadith, the pillars and conditions of Qardh, objectives of Qardh al-Hassan, and modern applications. Qardh al-Hassan refers to a loan given freely without interest or preconditions for repayment, with the debtor optionally giving more than the principal amount after settlement out of goodwill.
AL-WAKALAH
This document defines al-Wakalah as agency, representation or authorization, and discusses its evidence from the Quran and hadith. It outlines the pillars of al-Wakalah as the agent, principal and subject matter. It also discusses the types as limited or unlimited, and conditions related to the contracting parties and subject matter. Finally, it notes modern applications of al-Wakalah contracts in Islamic banking and finance instruments.
BAY' AL-SALAM
This document defines and discusses the Islamic contract of salam. It begins by defining salam as a contract where advance payment is made for goods to be delivered later. It provides evidence for salam from the Quran and hadith. It discusses the objectives of salam, which include providing financing for small businesses. The document outlines the pillars and conditions of a valid salam contract, including specifying the product, period of delivery, price, place of delivery, quality, and quantity.
Islamic Banking
Islamic banking provides financial services that adhere to Islamic law and avoid interest. It differs from conventional banking by prohibiting riba, or usury. The three main principles of Islamic banking are profit and loss sharing, asset backing, and the avoidance of uncertainty. Islamic banks also emphasize ethical investing and equitable distribution of wealth.
Chapter 6: Islamic Financial System
The document provides an overview of Islamic financial systems and principles. It discusses that Islamic finance prohibits riba (interest), gharar (excessive risk), and maysir (gambling). It outlines various Islamic banking contracts and instruments like mudarabah (profit-sharing), musharakah (partnership), murabahah (cost-plus financing), ijarah (leasing), and sukuk (Islamic bonds). The principles of Islamic finance are that wealth must be generated through legitimate and ethical means, risks should be shared, and harmful activities avoided.
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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.
commercial and islamic banking
Commercial banks accept deposits and provide loans and financial services, earning a profit from interest paid on loans. Islamic banks adhere to Islamic principles prohibiting interest, using alternative structures like profit-sharing and leasing. A central bank regulates the entire banking system, controlling money supply and acting as a bank for the government, while commercial and Islamic banks deal directly with the public, following central bank guidelines.
Presentation hsbc
HSBC provides various trade finance solutions to MSMEs in India to help finance their working capital needs. These include factoring, where HSBC pays clients up to 80% of invoices immediately in exchange for taking on the receivables; warehouse receipt financing, where HSBC provides short term loans against commodities pledged in approved warehouses; and invoice discounting, where HSBC purchases outstanding invoices from clients at a discount and collects payment from the customers. HSBC works with exporters and importers to facilitate international trade transactions through financing and managing the exchange of documents and payments between buyers and sellers.
Conventional and islamic banking
This document compares and contrasts conventional and Islamic banking. It discusses the key differences in their modes of banking such as Murabaha, Ijara, Mudarabah for Islamic banking and term financing, lease financing, overdrafts for conventional banking. The primary objectives of Islamic banking are equal distribution of wealth and social justice, which are difficult to achieve in interest-based conventional systems. Islamic banking prohibits interest and requires an exchange of goods/services, preventing money expansion and inflation. It also mandates profit-and-loss sharing and prohibits charging extra fees from defaulters. Overall, Islamic banking aims to ensure equity and public interest while conventional banking's focus is on creditor-debtor relationships.
Scope of Islamic banking in India
The document is a presentation on Islamic banking that provides an overview of key concepts. It discusses the history and principles of Islamic banking, which prohibits interest and investing in industries like alcohol. Some major Islamic banking principles discussed include profit/loss sharing, leasing, and cost-plus financing. The largest Islamic banks are located in Iran, Saudi Arabia, and Malaysia. While Islamic banks make up a smaller share of assets compared to conventional banks in most countries, the market is growing and Islamic finance could help address financial exclusion. The document also outlines the scope for Islamic banking in India.
Unit 1 Banking and Customer
Banking laws and practices have evolved over centuries. Banks play a crucial role in modern society by accepting deposits and providing loans [1]. They have specialized accounts for seniors, women, students and more [2]. Banks also have responsibilities toward customers like honoring checks properly, maintaining secrecy and records, and giving notice before closing accounts [3]. Overall, banks facilitate important financial transactions in people's lives and the economy.
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
revenue resources of bank
every business has own scope to generate income. bank has many resources to generate own income......
HabibMetro Sirat || Islamic Banking
HabibMetro Bank provides Islamic banking services through 6 dedicated branches and 198 desks across Pakistan. It aims to provide Shariah compliant banking solutions based on a foundation of trust. The board of directors and key management are listed. Mufti Abdul Sattar Laghari serves as the Shariah advisor. Islamic products offered include current accounts, savings accounts, investment certificates, Murabaha, Ijarah, and Diminishing Musharakah. A SWOT analysis finds strengths in its capital base and loyal employees, while weaknesses include a focus on only valued clients and slow transaction processing. Opportunities exist in Islamic banking and rural expansion, while threats include credit crises and inconsistent government policies. Islamic banking
Intoductions to Banking which are used in daily life
Intoductions to Banking which are used in daily life
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.
Chapter_2_Overview of Commercial Banks_2022.pptx
This document provides an overview of commercial banks, including their definition, functions, and trends affecting them. It defines commercial banks as financial institutions that accept deposits and use those deposits to grant loans and offer other financial services. The key functions of commercial banks are described as primary functions like receiving deposits and advancing loans, agency functions like payment services, and general utility functions like letters of credit. The document also discusses credit creation by commercial banks and the credit multiplier effect. It concludes with a brief mention of trends affecting commercial banks.
Finance
The document compares and contrasts commercial banking at MCB Bank and Islamic banking at Meezan Bank. It discusses the different types of accounts, financing options, and terms used in each system. The key difference is that MCB Bank uses interest-based accounts and financing while Meezan Bank's products and services are strictly Shariah compliant and do not involve interest.
GENERAL MANAGEMENT PROJECT ON BANK OF BARODA
Bank of Baroda is an Indian state-owned bank headquartered in Vadodara, Gujarat. It was founded in 1908 by Maharaja Sayajirao Gaekwad III of Baroda. In 1969, it was nationalized along with 13 other major commercial banks. Today, it has a presence in 22 countries across 5,481 branches. The bank's key functions include accepting deposits, lending funds, and providing other banking and financial services. It has over 55,000 employees serving over 82 million customers globally. Bank of Baroda remains committed to serving customers and augmenting stakeholder value through concern, care and competence.
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Islamic finance as an alternative for supplementary loans in commercial banks
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专业服务，请勿犹豫联系我
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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.
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Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...Labour Market Information Council | Conseil de l’information sur le marché du travail
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.^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
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Does teamwork really matter? Looking beyond the job posting to understand lab...
Does teamwork really matter? Looking beyond the job posting to understand lab...Labour Market Information Council | Conseil de l’information sur le marché du travail
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.2. Elemental Economics - Mineral demand.pdf
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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Presentation banking 2
- 1. PB 303 : BANKING IN MALAYSIA ‘’ISLAMIC BANKING INSTRUMENTS’’ NUR SHAHIRA BINTI DULLAH 10BPM 1OF2053 NUR FARIZAHANAN BINTI ISMAIL 10BPM10F2012 NUR HARYANTI BINTI MOHAMAD NAWAWI 10BPM10F2004 NUR ADILAH BINTI AB KADRI 10BPM10F2009 NOR SHAHBIHA BINTI RUSMAN 10BPM10F2020 Lecturer’s name : Puan Nur Fadilah Binti Hj Hussin
- 2. ISLAMIC BANKING INSTRUMENTS Principles of Ar-Rahn ( collateralized borrowings ) Principles of Al-Qardhul Hasan ( benevolent loan ) Principles of Al- Hiwalah ( remittances ) Principles of Al-Dayn ( bai’ al-dayn )
- 3. Principles of Ar-Rahn A thing deposit as a pledge in exchange for debt that can be repaid in order to get the thing back. The bank use Ar-Rahn policy to ensure the safety of its right while running business with it’s clients or it may provide the services directly in order to widen the bank function.
- 4. Principles of Al-Qardhul Hasan Refers to an interst-free loan given mainly for welfare purposes The borrower is only required to repay the principles amount borrowed, but he may pay an extra amount as a gift ( Al-Hibab ) for such services
- 5. Principles of Al-Hiwalah Transfer debt from the debtor to other’s responsibility. Bank offer its clients Al-Hiwalah service in the form of money transformation. The bank will charge them with varieties of service charge : • Commission • Cost of operation • Transaction fee • Differed price in money changes
- 6. Principles of Al-Dayn Refer to debt financing, for e.g the provision of financial resources required for production, commerce and services by way of sale/purchase of trade documents and paper It is a short-term facility with a maturity of not more than a year Only documents evidencing debt arising from bona fide commercial transactions can be traded