التمويل المصرفي في النظام الإسلامي والنظام التقليدي: مدخل مقارن
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Date
2011
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Publisher
Université de M'sila
Abstract
Islamic and conventional
commercial banks are both financial
institutions which provide deficit
economic units with the funds they
need to carry out their activities.
However, a difference exists in the
conditions these funds are provided:
conventional banks use the interest
rate levy whereas islamic banks are
supposed to rely on the profit and
loss sharing scheme. Hence, the
introduction of the latter system has
some effects on the behaviour of all
parties: the depositors, the bank
and the entrepreneurs.
This paper deals especially with the
relation bank-entrepreneur in the
two systems and, based on certain
hypothesizes, it tries to find out the
different strategies to be adopted by
each party given that the
entrepreneur is free to choose the
bank he likes. We end up with some
important conclusions stressing on
the way the islamic system can
contribute to promote the northsouth
financial relations presently
relying on the interest system which
has proven its limits in low
performing economies.