Islamic (halal) banking and its importance
In the lately time are growing informations about Islamic banking and Islamic finansial sevrices which are practing trough models of Islamic banking,Islamic insurance,Islamic investment fonds and emision of halal share(part)
Islamic banking is based on Sharia(islamic low),not existing of interests ,devision of risk trough banking betwen Bank and its clients,services by Shariah Low,and its influence on Economy,bank like partner in all bussiness actions and importance those princips for Muslims and islam and garating of keeping halal properies.
-Not existing of interests
Islamic banks,like all other banks have their role of agency betwen thrifty cliant and investor.
Thier principal role is to take and keep propeties of cliants trough giving diffrents kind of services for thrifty clients and investing and on that way creating of property which will after be used for diffrent kind of investment enterprises.
Than in what is diffrence betwnen Islamic and other banks???
That difference could be desribed in diffrente levels whcih mean diffrence in the basic princip of bussines,clients,the way of taking and keeping properties,so as in way investing those properies in diffrente bussines projects.
In Islamic banking the money is not cosider like goods,so like that it can not be offer.Other banks are offering money like principal good and the prise of that good is interest who is paying the cliente of that bank.
Islamic abnks are offering the goods like principal way of satisfaing the necesery of thier cliants trough models which are permisible with Shraih Low.
Those models are based on:
-mudareb(partnership)
-Musharek(common bussiness project)
-marabeh(baying-selling models)
-selem(baying in advance)
-ijara wa iktina(leasing)
-qard al-hasen(kredits without interest
The most of services which Islamic banks are offering is based on partnership betwen Bank and her clients,where bank is sharing the resolt of bussines project and it is sharing risk with her clients.
Islamic banks are offering the equel rights to all cleints which shws and pruve that thier idea is valuable for ivesting.no metter do they have property with they could get back money in the way of mortgage on his property.
-Our halal alternative
On of the most importante thing for every Muslim is his property because he will be responable in front of Allah Subane we teal for the way on which he acquire thar property,the way how he spend it and the way how he multiply that property.
Shariah statment is very clear:"It is forbiden to give or to take interest" And on thart princip are based all Islamic banks.
Neither one bank is garanting to you that money which you are keeping on your account will not be used for production of alcohol,for gambling.....etc,but in onother side Islamic bank is garanting you that.
All other which is above mentioned is showing to us that Islamic banking is our halal alternative,which is also giving us oportunity to keep and multiply our property on halal way.
