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1、12/16/20112ismk/GE32103/Topic6OUTLINEFINANCING•IntroductionFACILITIES•Concept,methodandscopeoffinancing•FinancingpracticesofIslamicbanks•InternationaltradefinancingBY•Guarantees•ForeignexchangetransactionsPUANIDASHAFINAZBTMOHAMEDKAMIL•Syndicatedloans•Litigationandrecover
2、yoffacilitiesTOPIC6GE3210334ismk/GE32103/Topic6(A)CONCEPT,METHOD&INTRODUCTIONSCOPEOFFINANCING•OneoftheprimaryfunctionsofIslamicbanksis•AlthoughShariahhassuggested3categoriesoffinancing.Islamicbanksmayprovidefinancingprinciplesinfinancing,theseprincipleshowever,fallfacili
3、tiesoneitherashort,mediumorlongtermwithin2conceptsoffinancing,namely:basisandinvolvethemselvesinvarioussectorsof▫Debt-creatingmodesoffinancingandtheeconomysuchasagriculture,manufacturing,▫Non-debt-creatingmodesoffinancing.construction,retailtrade,transport,financingandbu
4、sinessservices,realestate,housingand•Inthecaseofdebt-creatingmodesoffinancing,consumertrade.theusersoffundsareobligedtorepaythefundsborrowedfromthebank.•SinceIslamicbanksareprohibitedfromgrantingloanswithinterest,allfinancingoperationsare•TheShariahprincipleswhichfallwit
5、hinthiscategorybasedonShariahprinciples.includemurabahah,bai’muazzal,ijarah,ijarahwaiktina,bai’salamandqardhassan.56ismk/GE32103/Topic6ismk/GE32103/Topic6CONT.CONT.•Ontheotherhand,mudharabahand•Thekindsoffinancingprinciplesandmethodsmusyarakah(andijarahtosomeextent)areus
6、edbyIslamicbanksareoftenfoundeduponthenon-debtcreatingmodesoffinancing.lawsthatgoverntheiroperations.•Theseprincipleswhichareknownasinvestment•TheselawsdictatetheprinciplesandmethodstomodesoffinancingdonotrequiretheuserstobeusedbyIslamicbanks.repaythetotalamountoffunding
7、.•Inothercases,theseprinciplesandmethodsare•Whileadebt-creatingmodeinvolvesadebteitherintheformofdirectionsgivenbytheburdenontheusers,irrespectiveofhowmuchcentralbankorprovisionsinthememorandumtheybenefitfromtheloans,thosewhoenjoyandarticlesofassociation.investmentmodesa
8、rewithoutdebtburden.112/16/201178ismk/GE32103/Topic6ismk/GE32103/Topic6CONT.CONT.•Intheabsenceofsuchfor
