This document summarizes views from a survey on Islamic banking in Pakistan. [1] Some respondents believe Islamic banking exists but does not fully follow Islamic principles, as it still uses some conventional banking practices. [2] Others think Islamic banking is just a "drama" and the same as conventional banking, just with an Islamic-sounding name. [3] There are mixed views on whether Islamic banking truly avoids riba (interest) as required by Islamic law.
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1. Islamic Banking
Survey On Islamic Financing
Submitted to:
Prof. Hamad Rasool bhullar
Submitted by:
Aima Masood
0030
MCOM
Punjab College
2. Views of General public on Islamic
Banking:
This survey was merely done to gather data about general public views on what they
think about Islamic banking. This data will be only used for research purpose. The
views of people are given below:
Name: Ayesha Ali
Profession: Banker
How reached: Friend
Positive& Negative Views:
Islamic Banking is a good way of banking if truly applied with the fair laws according to
Quran & shariah.
As far as if we talk about Islamic banking in Pakistan I think it is just a drama. They
confuse things matters and sell things under the name of Islamic Banking which is really
wrong. I really don’t know whether truly Islamic banking Exist in Pakistan or not or they
just use the name of Islamic Banking for their businesses.
Name: Bilal Nasir
Profession: job
How reached: Friend Of Friend
Positive& Negative Views:
I think Islamic banking Is a simple banking system they just adopt a little bit Islamic
ways otherwise it is the same as conventional banking.
For me its not drama it exist but neither it is totally Islamic nor conventional. As far as its
positive point is concerned there are some Islamic rules which are under practice
because I believe something is better than nothing. Its negative point is its not
completely Islamic personally I think its not completely Islamic there are still some rules
and practices are undergone which are from conventional banking system.
3. Name: Yasir Shiekh
Profession: Businessman
How reached: Friend Of Friend
Positive& Negative Views:
I think term Islamic banking is used to make people fool. People who don’t kept there
money under conventional bank by just thinking that factor of Riba(sood) is involved in
there money and it get haram. Just to convience them they use the term of Islamic
Banking.
For me it is totally drama they just try to attract those people who are concious about
conventional baking system. For me it is totally wrong they practices all those rules
which are done under conventional banking system the point difference is they just
change the name but the rest of the system is same as of conventional banking.
Name: Muneeb Tanvi
Profession: Businessman
How reached: Friend Of Friend
Positive& Negative Views:
For me Islamic banking is not a drama it truly exist. There is no element of sood is
added in here like conventional banking . Whatever they do they just inform. They
perform all the procedure under Islamic rules. For me I am in favour of Islamic banking.
Name: Yousra
Profession: Teacher
Positive& Negative Views:
For me there is no such Islamic banking exist in Pakistan. It is the same as conventional
banking they just change the name but still doing the same practices. The point of
difference is only that the staff they hire at their branches they are just in Islamic getup
but innerly they are just doing the same thing. They just change the name of practices
and put arabic name just to make it more Islamic.
4. For me there is no positive point nor any opinion for solving this thing.
Name: Mohammad Hamza
Profession: Lab attendant
Positive& Negative Views:
For me there is just a change in name there is nothing islamic in it. They are not
following the real Islamic Shariyah practices riba (sood) is involved in it they just change
the name, where as riba (sood) is strictly prohibited in Islamic. So no positive view on it
and no opinion for betterment.
Name: Aima Masood
Profession: Student
Positive& Negative Views:
Before studying this course my views were against the islamic banking. I always wonder
that they are just making people fool. They are doing all those practices which a
conventional banks perform they just change the name just to satisfy those people
which are concious about riba(sood).
