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التكلفة الفعلية لخدمات الإقراض في المصارف الإسلامية: دراسة تحليلية شرعية = The actual cost of lending services in Islamic banks Shariah: analysis study

Shariah councils and bodies permitted taking the actual cost from the lending in Islamic banks, and they based this permissibility on differentiating between the loan and the services accompanying the recovery of the loan and its restrictions, as these actions are excluded from the principal of the...

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Main Authors: Saleh, Abdulmajid Obaid Hasan, noor, Azman Mohd Noor, Abdulbari, Hani Hazai Abdulbari, Al Qassim, Anas Abdulkadir Al Qassim
Format: Article
Language:English
Published: IIUM Press 2021
Subjects:
BPH Islamic Economics
BPH589.2 Riba - Interest
Online Access:http://irep.iium.edu.my/89976/1/89976_%D8%A7%D9%84%D8%AA%D9%83%D9%84%D9%81%D8%A9%20%D8%A7%D9%84%D9%81%D8%B9%D9%84%D9%8A%D8%A9%20%D9%84%D8%AE%D8%AF%D9%85%D8%A7%D8%AA%20%D8%A7%D9%84%D8%A5%D9%82%D8%B1%D8%A7%D8%B6%20%D9%81%D9%8A%20%D8%A7%D9%84%D9%85%D8%B5%D8%A7%D8%B1%D9%81%20%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9%20%D8%AF%D8%B1%D8%A7%D8%B3%D8%A9%20%D8%AA%D8%AD%D9%84%D9%8A%D9%84%D9%8A%D8%A9%20%D8%B4%D8%B1%D8%B9%D9%8A%D8%A9%20%3D%20The%20actual%20cost%20of%20lending%20services%20in%20Islamic%20banks%20Shariah%20analysis%20study.pdf
http://irep.iium.edu.my/89976/
https://journals.iium.edu.my/iiibf-journal/index.php/ijaiwf/article/view/541
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spelling my.iium.irep.899762021-06-09T09:23:33Z http://irep.iium.edu.my/89976/ التكلفة الفعلية لخدمات الإقراض في المصارف الإسلامية: دراسة تحليلية شرعية = The actual cost of lending services in Islamic banks Shariah: analysis study Saleh, Abdulmajid Obaid Hasan noor, Azman Mohd Noor Abdulbari, Hani Hazai Abdulbari Al Qassim, Anas Abdulkadir Al Qassim BPH Islamic Economics BPH589.2 Riba - Interest Shariah councils and bodies permitted taking the actual cost from the lending in Islamic banks, and they based this permissibility on differentiating between the loan and the services accompanying the recovery of the loan and its restrictions, as these actions are excluded from the principal of the loan. However, Islamic banks differed in applying the concept of actual cost between a lump sum or a percentage. Moreover, the shariah bodies differed in the methods of taking this actual cost. Because the fee-based services provided by Islamic banks may bring some Shariah issues related to the imposition of fees or the actual cost. Therefore, this research comes to liberate the actual cost, explain its causes and controls, its root and legal absolutes, and an application model for its reality in Islamic banks. As for the approach used in this study, it is the descriptive and analytical one, by relying on collecting legal texts, then analyzing the doctrines of the jurists and discussing the mechanism for determining the calculation of actual fees and fees from the perspective of Shariah. IIUM Press 2021-05-11 Article PeerReviewed application/pdf en http://irep.iium.edu.my/89976/1/89976_%D8%A7%D9%84%D8%AA%D9%83%D9%84%D9%81%D8%A9%20%D8%A7%D9%84%D9%81%D8%B9%D9%84%D9%8A%D8%A9%20%D9%84%D8%AE%D8%AF%D9%85%D8%A7%D8%AA%20%D8%A7%D9%84%D8%A5%D9%82%D8%B1%D8%A7%D8%B6%20%D9%81%D9%8A%20%D8%A7%D9%84%D9%85%D8%B5%D8%A7%D8%B1%D9%81%20%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9%20%D8%AF%D8%B1%D8%A7%D8%B3%D8%A9%20%D8%AA%D8%AD%D9%84%D9%8A%D9%84%D9%8A%D8%A9%20%D8%B4%D8%B1%D8%B9%D9%8A%D8%A9%20%3D%20The%20actual%20cost%20of%20lending%20services%20in%20Islamic%20banks%20Shariah%20analysis%20study.pdf Saleh, Abdulmajid Obaid Hasan and noor, Azman Mohd Noor and Abdulbari, Hani Hazai Abdulbari and Al Qassim, Anas Abdulkadir Al Qassim (2021) التكلفة الفعلية لخدمات الإقراض في المصارف الإسلامية: دراسة تحليلية شرعية = The actual cost of lending services in Islamic banks Shariah: analysis study. International journal of Al-turath in Islamic Wealth And Finance, 2 (2). pp. 92-116. E-ISSN 2716-6856 https://journals.iium.edu.my/iiibf-journal/index.php/ijaiwf/article/view/541
institution Universiti Islam Antarabangsa Malaysia
building IIUM Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider International Islamic University Malaysia
content_source IIUM Repository (IREP)
url_provider http://irep.iium.edu.my/
language English
topic BPH Islamic Economics
BPH589.2 Riba - Interest
spellingShingle BPH Islamic Economics
BPH589.2 Riba - Interest
Saleh, Abdulmajid Obaid Hasan
noor, Azman Mohd Noor
Abdulbari, Hani Hazai Abdulbari
Al Qassim, Anas Abdulkadir Al Qassim
التكلفة الفعلية لخدمات الإقراض في المصارف الإسلامية: دراسة تحليلية شرعية = The actual cost of lending services in Islamic banks Shariah: analysis study
description Shariah councils and bodies permitted taking the actual cost from the lending in Islamic banks, and they based this permissibility on differentiating between the loan and the services accompanying the recovery of the loan and its restrictions, as these actions are excluded from the principal of the loan. However, Islamic banks differed in applying the concept of actual cost between a lump sum or a percentage. Moreover, the shariah bodies differed in the methods of taking this actual cost. Because the fee-based services provided by Islamic banks may bring some Shariah issues related to the imposition of fees or the actual cost. Therefore, this research comes to liberate the actual cost, explain its causes and controls, its root and legal absolutes, and an application model for its reality in Islamic banks. As for the approach used in this study, it is the descriptive and analytical one, by relying on collecting legal texts, then analyzing the doctrines of the jurists and discussing the mechanism for determining the calculation of actual fees and fees from the perspective of Shariah.
format Article
author Saleh, Abdulmajid Obaid Hasan
noor, Azman Mohd Noor
Abdulbari, Hani Hazai Abdulbari
Al Qassim, Anas Abdulkadir Al Qassim
author_facet Saleh, Abdulmajid Obaid Hasan
noor, Azman Mohd Noor
Abdulbari, Hani Hazai Abdulbari
Al Qassim, Anas Abdulkadir Al Qassim
author_sort Saleh, Abdulmajid Obaid Hasan
title التكلفة الفعلية لخدمات الإقراض في المصارف الإسلامية: دراسة تحليلية شرعية = The actual cost of lending services in Islamic banks Shariah: analysis study
title_short التكلفة الفعلية لخدمات الإقراض في المصارف الإسلامية: دراسة تحليلية شرعية = The actual cost of lending services in Islamic banks Shariah: analysis study
title_full التكلفة الفعلية لخدمات الإقراض في المصارف الإسلامية: دراسة تحليلية شرعية = The actual cost of lending services in Islamic banks Shariah: analysis study
title_fullStr التكلفة الفعلية لخدمات الإقراض في المصارف الإسلامية: دراسة تحليلية شرعية = The actual cost of lending services in Islamic banks Shariah: analysis study
title_full_unstemmed التكلفة الفعلية لخدمات الإقراض في المصارف الإسلامية: دراسة تحليلية شرعية = The actual cost of lending services in Islamic banks Shariah: analysis study
title_sort التكلفة الفعلية لخدمات الإقراض في المصارف الإسلامية: دراسة تحليلية شرعية = the actual cost of lending services in islamic banks shariah: analysis study
publisher IIUM Press
publishDate 2021
url http://irep.iium.edu.my/89976/1/89976_%D8%A7%D9%84%D8%AA%D9%83%D9%84%D9%81%D8%A9%20%D8%A7%D9%84%D9%81%D8%B9%D9%84%D9%8A%D8%A9%20%D9%84%D8%AE%D8%AF%D9%85%D8%A7%D8%AA%20%D8%A7%D9%84%D8%A5%D9%82%D8%B1%D8%A7%D8%B6%20%D9%81%D9%8A%20%D8%A7%D9%84%D9%85%D8%B5%D8%A7%D8%B1%D9%81%20%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9%20%D8%AF%D8%B1%D8%A7%D8%B3%D8%A9%20%D8%AA%D8%AD%D9%84%D9%8A%D9%84%D9%8A%D8%A9%20%D8%B4%D8%B1%D8%B9%D9%8A%D8%A9%20%3D%20The%20actual%20cost%20of%20lending%20services%20in%20Islamic%20banks%20Shariah%20analysis%20study.pdf
http://irep.iium.edu.my/89976/
https://journals.iium.edu.my/iiibf-journal/index.php/ijaiwf/article/view/541
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score 13.211869

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