جزيرة بورنيو: الاقتصاد الإسلامي يتغلب على التحديات الاقتصادية العالمية

خبر من مصادر إنجليزية.

أكد بنك "نيجارا ماليزيا" - في استعراضه لقطاع التمويل الإسلامي - أن المعاملات الإسلامية يمكن أن تساهم في التخلص من المخاطر وتحقيق الاستقرار، وذلك بفضل ما يتمتع به النظام الاقتصادي الإسلامي من مزايا وأبواب مختلفة للمعاملات، التي تتمثل في الإجارة والمرابحة والشراكة؛ مما يفتح آفاق الإبداع والاختيار أمام المستثمرين.

وقد أكد مسؤول المعاملات الإسلامية بالقطاع الإسلامي ببنك التنمية الآسيوي - أن التمويل الإسلامي يشهد زيادة تبلغ 20% سنويًّا، تتحقق في الأنشطة التجارية الآسيوية، وهذا علاوة على توقُّع ارتفاع أنشطته في الأسواق التايلاندية والهندية والبنجالية والصينية، خاصةً بعد مصادقة صندوق النقد الدولي على أسس الاقتصاد الإسلامي، واعتبارها أكثر أمانًا من الأنظمة التقليدية؛ المصدر: شبكة الألوكة.

يرجى الإشارة إلى المصدر عند نقل الخبر – شبكة الألوكة.

الخبر من مصدره الأصلي:

Into the fluid mechanics of Islamic finance

While still without the usual risks faced in an unstable global economic environment, the principals of Islamic finance could help investors spread financial risks and therefore strengthen the stability of a region or country.

Governed by Islamic law or syariah law, Islamic finance adheres to virtuous principals such as the mutual risk and profit sharing between parties and prohibits activities such as gambling and speculative trading.

“Through the use of various Islamic finance concepts such as ijarah (leasing), mudharabah (profit sharing), musyarakah (partnership), financial institutions have a great deal of flexibility, creativity and choice in the creation of Islamic finance products.

“By emphasising the need for transactions to be supported by genuine trade or business related activities, Islamic banking sets a higher standard for investments and promotes greater accountability and risk mitigation,” Bank Negara Malaysia (BNM) said in its overview of the Islamic finance sector.

Asian Development Bank (ADB) assistant general and practice leader of Islamic Finance, Ashraf Mohammed, also said: “In keeping with syariah law, Islamic finance needs to be ethical.

“This means that it needs to be for the public good.

“For example, in Islamic finance it is not possible to invest in activities that harm society, such as the arms industry.” In recent years, he pointed out that the Islamic finance industry has grown 20 per cent per annum, most of which comes from Asia.

“We expect to see increased activity in Thailand, China, Bangladesh and India just as in the more traditional markets such as Malaysia, Indonesia and Pakistan,” he said.

The International Monetary Fund (IMF) has also endorsed the principles of Islamic finance, and pointed out that it could prove safer than conventional finance system.

In a report released by IMF, early April, it said the industry’s principles of risk-sharing and asset-based financing can help improve risk management by both financial institutions and their customers, as well as discourage credit booms.

“In the case of Islamic finance, a large portion of bank deposits are offered on a profit-sharing and loss-bearing basis (for example, 55 per cent in the Middle East and North African regions and so are explicitly “bail-inable” in the event of a banking sector facing distress,” it added.