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A Comparative Study of Islamic Banking Practices دراسة مقارنة للممارسات المصرفية الإسلامية

Author

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  • SUDIN HARON

    (Associate Professor, School of Management, University Utara, Malaysia)

Abstract

This paper examines the practices of Islamic banks from eleven Muslim countries. The selected areas include the usage of Sharia principles and the uses and sources of funds. Disparity exists especially in areas such as number of Sharia principles employed and its usage in banking activities. There are also differences in the sources and uses of funds among the sample banks. In the case of the sources of funds, the differences are due to the types of accounts available and Sharia principles adopted by banks in delivering those services. For the usage of funds, all banks tend to concentrate in mark-up financing activities. Variations also appear in the area of sectoral financing. These differences are largely influenced by the economic development of the country in which the Islamic bank operates. تفحص هذه الورقة أعمال البنوك الإسلامية في إحدى عشر بلدًا مسلمًا، وتشمل الموضوعات المبحوثة: تطبيق مبادئ الشريعة، واستخدامات الأرصدة ومصدرها وثمة فوارق في عدد من المبادئ الشرعية، المطبقة في الأعمال المصرفية كما أن هناك اختلافًا في مصادر الأرصدة واستخداماتها في عينة المصارف المدروسة. ففي مصادر الأرصدة يعزي الاختلاف لأنواع الحسابات الموجودة وإلى مبادئ الشريعة التي اختارتها تلك المصارف لتقديم خدماتها، وفي استخدامات الأرصدة، تتركز أعمال معظم البنوك في التمويل بالمرابحة. وهناك اختلافات في التمويل القطاعي سببها الأساسي اختلاف مستوى التنمية الاقتصادية في البلاد التي تعمل فيها هذه المصارف.

Suggested Citation

  • Sudin Haron, 1998. "A Comparative Study of Islamic Banking Practices دراسة مقارنة للممارسات المصرفية الإسلامية," Journal of King Abdulaziz University: Islamic Economics, King Abdulaziz University, Islamic Economics Institute., vol. 10(1), pages 23-50, January.
    • Handle: RePEc:abd:kauiea:v:10:y:1998:i:1:no:2:p:23-50
    DOI: 10.4197/islec.10-1.2
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    References listed on IDEAS

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    1. Ahmad, Ziauddin, 1994. "Islamic Banking: State Of The Art," Islamic Economic Studies, The Islamic Research and Training Institute (IRTI), vol. 2, pages 1-33.
    2. Homoud, Sami Hasan, 1994. "Progress Of Islamic Banking:The Aspirations And The Realities," Islamic Economic Studies, The Islamic Research and Training Institute (IRTI), vol. 2, pages 71-80.
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    Cited by:

    1. Erna Rachmawati & Ekki Syamsulhakim, 2004. "Factors Affecting Mudaraba Deposits in Indonesia," Working Papers in Economics and Development Studies (WoPEDS) 200404, Department of Economics, Padjadjaran University, revised Aug 2004.
    2. S. Safdar Hosseini & Mohammed Khaledi & Richard Gray, 2009. "An analysis of transaction costs of Islamic banks in rural Iran," Agribusiness, John Wiley & Sons, Ltd., vol. 25(3), pages 291-313.
    3. Pepinsky, Thomas B., 2013. "Development, Social Change, and Islamic Finance in Contemporary Indonesia," World Development, Elsevier, vol. 41(C), pages 157-167.
    4. Waeibrorheem Waemustafa & Suriani Sukri, 2015. "Bank Specific and Macroeconomics Dynamic Determinants of Credit Risk in Islamic Banks and Conventional Banks," International Journal of Economics and Financial Issues, Econjournals, vol. 5(2), pages 476-481.

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