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FINA: Special Topic In Finance Islamic Banking: Sources and Uses of Funds CHAPTER 3 FINA: Special Topic In Finance Islamic Banking: Sources and Uses of Funds CHAPTER 3 Done by: Sajedah Al. Marzouq 200700199 To Dr. Dawood

OUTLINE 1. Introduction 2. Islamic Banking Overview 3. Sources of Funds 4. Financing Structures OUTLINE 1. Introduction 2. Islamic Banking Overview 3. Sources of Funds 4. Financing Structures 5. Applications of Funds 6. Conlosion

ISLAMIC BANK -how Islamic financial products are structured. -the mechanics of Islamic banking, which ISLAMIC BANK -how Islamic financial products are structured. -the mechanics of Islamic banking, which operates without charging interest on borrowed funds.

Islamic Banking Overview Islamic banks are not allowed to charge interest by lending money Islamic Banking Overview Islamic banks are not allowed to charge interest by lending money to their customers. (riba) is excess compensation without due consideration so it's strictly prohibited.

Sources of Funds Sources of Funds

Sources of Funds Shareholder Sources of Funds Shareholder

Wadiah savings accounts. (safekeeping) a bank is deemed as a keeper and trustee of Wadiah savings accounts. (safekeeping) a bank is deemed as a keeper and trustee of funds. May give them “Hibah “

Sources of Funds Current accounts Account holders are not guaranteed any return for keeping Sources of Funds Current accounts Account holders are not guaranteed any return for keeping their funds with the bank, but they may be rewarded with hibah Book page #26 Example about I ran “qard hassan” “good loan/benevolent loan”

Sources of Funds Investment accounts operate on the principle of mudharabah (profit sharing). Investment Sources of Funds Investment accounts operate on the principle of mudharabah (profit sharing). Investment accounts are also known as “profit- and-loss– sharing” deposits. “unlimited period of time”. • Mudharabah mutlaqah (general investment account) “wakala” • Mudharabah muqayyadah (special investment account)

Sources of Funds Sources of Funds "Mudarabah" is a special kind of partnership where one partner gives money to another for investing it in a commercial enterprise. The capital investment comes from the first partner, who is called the "rabb-ul-mal", while the management and work is the exclusive responsibility of the other party, who is called the "mudarib".

Applications of Funds Equity financing and profit sharing: Applications of Funds Equity financing and profit sharing:

Applications of Funds 1. Equity financing and profit sharing the bank provides funds to Applications of Funds 1. Equity financing and profit sharing the bank provides funds to an enterprise in return for a share of the profits generated by the borrowed funds. The distinction: ~. . 1. that equity financing allows the bank to participate in the enterprise’s decision making. 2. Profit-sharing arrangements preclude bank participation in the borrower’s management decisions.

Applications of Funds 2. Credit purchases the bank provides immediate delivery of the goods Applications of Funds 2. Credit purchases the bank provides immediate delivery of the goods or services sought by the customer in exchange for the customer promising to make a series of deferred payments to the bank equal to the cost of the goods or services plus a markup. 3. Leasing the bank purchases a durable asset and leases it to the customer in return.

Financing Structures. (BBA) Financing Structures. Islamic banks offer a these financial structures, ranging from Financing Structures. (BBA) Financing Structures. Islamic banks offer a these financial structures, ranging from simple Shari’acompliant retail products, such as: ~ - savings and current accounts, to leasing, trust financing, and large-scale infrastructure financing

Financing Structures. (BBA) 1. Bai’ bithaman ajil. “deferred-payment basis” Financing Structures. (BBA) 1. Bai’ bithaman ajil. “deferred-payment basis”

Financing Structures. (BBA) 1. Bai’ bithaman ajil a. payments may be made in monthly Financing Structures. (BBA) 1. Bai’ bithaman ajil a. payments may be made in monthly installments b. A BBA plan is commonly used for financing the purchase of real property. c. BBA structure is controversial supporters of the structure argue that the profit earned is justified under Shari’a because it is derived from a buy-and-sell transaction and is not considered interest

1. Bai’ bithaman ajil. 1. Bai’ bithaman ajil.

Murabahah financing is a popular method used by an Islamic bank to meet the Murabahah financing is a popular method used by an Islamic bank to meet the short-term trade-financing needs of its customers “ “markup financing. ”” *The goods must be in the possession of the bank before being sold to the customer

Financing Structures. (BBA) Ijarah ~. . leasing is growing in popularity in the Muslim Financing Structures. (BBA) Ijarah ~. . leasing is growing in popularity in the Muslim community. “ijarah” means “to give something on rent. ”

Financing Structures. (BBA) Ijarah is typically used for high-cost assets with long life spans Financing Structures. (BBA) Ijarah is typically used for high-cost assets with long life spans

Financing Structures. (BBA) Al-ijarah thumma al-bai “ The bank transfers the asset ownership “ Financing Structures. (BBA) Al-ijarah thumma al-bai “ The bank transfers the asset ownership “

Financing Structures. (BBA) Financing Structures. (BBA)

Financing Structures. (BBA) Tawarruq facilitate cash financing to their clients. Financing Structures. (BBA) Tawarruq facilitate cash financing to their clients.

Financing Structures. (BBA) Tawarruq facilitate cash financing to their clients. Financing Structures. (BBA) Tawarruq facilitate cash financing to their clients.

Financing Structures. (BBA) Bai’ inah financing is a sale-and-buyback transaction. Bai’ salam financing is Financing Structures. (BBA) Bai’ inah financing is a sale-and-buyback transaction. Bai’ salam financing is a forward financing transaction frequently used in the agriculture industry. Qard hassan means “good loan. ”

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