Publication: Al-muntacatu’l-maliya al-İslamiya al-hadisa El-waqia ve’ttahadiyat (at-tawarruk al-masrafı ve’l-murabahat al-masrafiya anmuzacan)
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Date
2022
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Abstract
Bu çalışma, İslami finans kurumlarında Murabaha ve Tawarruk sürecinde meydana gelen zorluklara ve suistimallere ışık tutmayı, bunlara çözüm bulmayı ve hem Murabaha hem de Tawarruk bankacılığına ilişkin şeriat hükümlerinin delillerini ortaya koymayı ve şeriatın bu konudaki yönünü aydınlatmayı amaçlamaktadır. Harekete geçirici ve makul olandan hüküm vermekte olup, çalışma aynı zamanda alimlerin banka kredilerine bir alternatif (Murabaha ve Tawarruk) sunma girişimlerinin boyutunu da bilmeyi amaçlamaktadır ve çalışma sadece hükümleri listelemekle sınırlı kalmamış, daha da ileri gitmiştir; Hükmün açıklığa kavuşturulması ve meşruiyetinin açıklığa kavuşturulması açısından, daha sonra üründe meydana gelen suistimallerden bahsetmek ve onları kelimenin tam anlamıyla meşru bir alternatif olarak düzeltmek. Araştırmacı, anket yöntemiyle Almanya'daki bazı İslami finans kurumlarının Şeriat Uygulama Departmanındaki bazı çalışanlar ve yetkililerle bir dizi kişisel görüşme yaptı ve ardından analitik yöntemi kullanarak Murabaha ve Tawarruq'un uygulama görüntülerini analiz etti. kurumlara sözde İslami yatırım.Son olarak, çalışmada Gana Cumhuriyeti'nde İslami finansal işlemlerin karşılaştığı bazı zorluklara ve engellere değinildi ve çalışma, Gana Devleti'ndeki İslami finansal işlemleri idari bir bakış açısıyla kolaylaştırmak için bu potansiyel zorlukların üstesinden gelmek için stratejiler önerdi, Ayrıca bu çalışma, hem Murabaha hem de Tawarruk sürecinde İslami finansal işlemlerin zengin bir objektif değerlendirmesini birçok açıdan bir araya getiriyor ve bu çalışma, Murabaha ve Tawarruk'u banka kredilerine alternatif olarak sunmanın zorlukları hakkında önemli bir bilgi kaynağı olarak hizmet edecek. Gana'daki İslami finansal işlemlerin zorlukları hakkında, özellikle Gana Bankası, politika yapıcılar, İslami finans uygulayıcıları ve İslami finans araştırmalarıyla ilgilenen akademisyenler ve uygulayıcılar için önemli bir kaynak olacaktır.
This study aims to shed light on the challenges in Murabaha and Tawarruq in Islamic financial institutions, finding solutions and clarifying the evidence of Sharia rulings related to both Murabaha and Tawarruq, and clarifying the aspect of the ruling from both theoretical and rational. The study also aims to know the extent of the attempts of scholars in Offering an alternative to bank loans (Murabaha and Tawarruq), and the study was not limited to listing the rulings only but went further; In terms of clarifying the ruling and its legitimacy, then talking about the challenges that occurred in the product and correcting them to be a legitimate alternative. Through the survey method, the researcher conducted a series of personal interviews with some employees and officials in the Shariah Implementation Department of some Islamic financial institutions in Germany and then used the analytical method to analyze the images of the application of Murabaha and Tawarruq or the so-called Islamic investment in those institutions.In the end, the study mentioned some of the challenges and obstacles faced by Islamic financial transactions in the Republic of Ghana, and the study suggested strategies to overcome these financial challenges from the administrative perspective; moreover, this study gathers a rich mixture of objective evaluation of Islamic financial transactions in both Murabaha and Tawarruq process from many perspectives, and this study will serve as an important source of information on the challenges of offering Murabaha and Tawarruq as alternatives to bank loans, as well as an important source on the challenges of Islamic financial transactions in Ghana for interested bodies, especially the Bank of Ghana, policymakers, practitioners of Islamic financial transactions and for academics practitioners interested in Islamic financial transactions and business research in the banking industry in Ghana.
This study aims to shed light on the challenges in Murabaha and Tawarruq in Islamic financial institutions, finding solutions and clarifying the evidence of Sharia rulings related to both Murabaha and Tawarruq, and clarifying the aspect of the ruling from both theoretical and rational. The study also aims to know the extent of the attempts of scholars in Offering an alternative to bank loans (Murabaha and Tawarruq), and the study was not limited to listing the rulings only but went further; In terms of clarifying the ruling and its legitimacy, then talking about the challenges that occurred in the product and correcting them to be a legitimate alternative. Through the survey method, the researcher conducted a series of personal interviews with some employees and officials in the Shariah Implementation Department of some Islamic financial institutions in Germany and then used the analytical method to analyze the images of the application of Murabaha and Tawarruq or the so-called Islamic investment in those institutions.In the end, the study mentioned some of the challenges and obstacles faced by Islamic financial transactions in the Republic of Ghana, and the study suggested strategies to overcome these financial challenges from the administrative perspective; moreover, this study gathers a rich mixture of objective evaluation of Islamic financial transactions in both Murabaha and Tawarruq process from many perspectives, and this study will serve as an important source of information on the challenges of offering Murabaha and Tawarruq as alternatives to bank loans, as well as an important source on the challenges of Islamic financial transactions in Ghana for interested bodies, especially the Bank of Ghana, policymakers, practitioners of Islamic financial transactions and for academics practitioners interested in Islamic financial transactions and business research in the banking industry in Ghana.
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Islam, İslam