Durham, United Kingdom- Islamic banking,
indicating a rejection of flowers, an important industry in
the past four decades. One inevitable question whether increasing presence
discourages Muslims from various Western standards and values, creating
separate financial settlements. Alternative view asserts that with an
increasing number of people in the West are not satisfied or skeptical about
banking services they receive, as racketeers banks or even immoral, the
emergence of Islamic banking with a different morality with Islam generates
more positive expressions.
Many residents of the West Bank Islamic finance is a
sense of curiosity, maybe even business opportunity, they rarely look at them
as a threat comparable to Islamic extremism. In fact, Islamic banking finance
and can be considered as the soft side of Islam, which lends itself to dialogue
between Muslims and the West.
Retail financial institutions of Islam, including
Islamic Bank of Britain, and the European Investment Bank welarba Bank on
Wednesday in California, now has a permanent upright in a number of Western
countries. Moreover, banks, international lenders, including Citibank, HSBC,
Deutsche Bank and UBS in Switzerland, each offering Islamic deposits and
financial facilities that comply with the provisions of the Islamic Sharia.
There's a lot of dialogue going on between Western
banks who work in these establishments and Islamic experts who suggested what
to and what not. This dialogue, where is the Islamic solidarity companies
increasing activity, characteristics that it does not adhere to the interest
created characters of traditional bonds, shareholders in the Fund and pay
premiums that policyholders cannot be made into one, which could lead to the
first party of exploiting the misfortune.
Because Sharia is divine principles, aonivirsial,
national law does not require leading international law offices also involve
himself in Islamic Affairs, banking and finance, contracts are only placed
under the umbrella of the law in the United Kingdom or the United States,
taking into account their compatibility with Sharia law. In fact, the main task
of legitimate Committee members serve "Board" of Islamic banks and
Islamic traditional provides products to ensure that new contracts in
accordance with Islamic principles, and if not, to dialogue with lawyers
regarding modification and redesign.
Faced with the aspirations of many Islamist divine
Islamic law supersedes man made laws, and maybe even the world institution under
the authority of the Caliph of all people, Muslims and non-Muslims, live. It is
not surprising that these aspirations are most non-Muslims, and even many
Muslims, because it doesn't give you the option.
Islamic banking and finance may determine the
direction of the future: feet wide, instead of being limited. While each
institution have its own sharia board compatibility with Islamic law is
actually a private party, not only in national legal affairs. In
fact, "Shariah Board" have opinion-sharia themselves, and hence further
expanded choice in the market of religious ideas. Religion, and thrive under
conditions of perfect competition, and that Islam is not an exception, while if
the nationalization, following her soon will become alienated.
That can be considered "Islamic Republic of
Iran", for example, encourages the development of Islamic banking and
finance. There, he met all the Sharia banking laws regarding usury-free banking
which was enacted in 1983. The Bank therefore had no choice but to use the
system of Islamic law. But State-owned banks and enjoys little autonomy, even
in decisions regarding products and financial deposits. It's as if they have
Sharia committees, and the reason for it is not necessary that legislation to
ensure compliance with Islamic law in any circumstance.
The result was the development of the banking sector
run slow, and finance at least there, and most people in Iran do not have a
bank account. On the contrary, in the Arabian Gulf, in Malaysia, interesting
products to introduce Islamic banks and conventional banks competitive, and the
number of the customer who is still growing. Al Rajhi Bank Saudi
Arabia became a retail bank, and scope of services and delivery
channels
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