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Access to Finance and Collaterals: Islamic Versus Western Banking فرص الحصول على التمويل وعلاقتها بالرهن والضمانات بين النظامين المصرفيين الإسلامي والغربي

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  • ABDELHAMID ABDOULI

    (Arab Authority for Agricultural Development and Investment, Dubai)

Abstract

Islamic banking would contribute to the emergence of a just and growing economy by enabling small enterprises to obtain finance on participatory basis in which a collateral is not necessary. This is in sharp contrast with the conventional banking which insists on tangible collaterals, discriminating against small units and favoring the propertied rich. As a result income distribution deteriorates further, whereas Islamic banking will improve income distribution. يمكن للنظام المصرفي الإسلامي أن يساعد على ظهور اقتصاد عادل ونام من خلال إتاحته الفرصة للمشروعات لتحصل على التمويل بصيغة مشاركة، وهي صيغة لا تستلزم تقديم رهن. وهذا يختلف اختلافاً بيناً عن النظام المصرفي التقليدي الذي يصر على طلب رهون مادية، مما يجعله ينحاز ضد المؤسسات الصغيرة ، ونحو ذوي الغنى والثروة ، الأمر الذي يسيء إلى توزيع الدخل. في حين أن النظام المصرفي الإسلامي يتوقع منه أن يساعد على تحسين توزيع الدخل.

Suggested Citation

  • Abdelhamid Abdouli, 1991. "Access to Finance and Collaterals: Islamic Versus Western Banking فرص الحصول على التمويل وعلاقتها بالرهن والضمانات بين النظامين المصرفيين الإسلامي والغربي," Journal of King Abdulaziz University: Islamic Economics, King Abdulaziz University, Islamic Economics Institute., vol. 3(1), pages 55-62, January.
    • Handle: RePEc:abd:kauiea:v:3:y:1991:i:1:no:3:p:55-62
    DOI: 10.4197/islec.3-1.3
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    Citations

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    Cited by:

    1. H. Askari & Z. Iqbal, 1995. "Opportunities in emerging Islamic financial markets," BNL Quarterly Review, Banca Nazionale del Lavoro, vol. 48(194), pages 255-282.
    2. Muhammad Nouman & Karim Ullah, 2014. "Constraints in the Application of Partnerships in Islamic Banks: The Present Contributions and Future Directions," Business & Economic Review, Institute of Management Sciences, Peshawar, Pakistan, vol. 6(2), pages 47-62, October.
    3. Fianto, Bayu Arie & Gan, Christopher & Hu, Baiding & Roudaki, Jamal, 2018. "Equity financing and debt-based financing: Evidence from Islamic microfinance institutions in Indonesia," Pacific-Basin Finance Journal, Elsevier, vol. 52(C), pages 163-172.
    4. Hearn, Bruce & Piesse, Jenifer & Strange, Roger, 2012. "Islamic finance and market segmentation: Implications for the cost of capital," International Business Review, Elsevier, vol. 21(1), pages 102-113.
    5. Muhammad Nouman & Karim Ullah & Saleem Gul, 2018. "Why Islamic Banks Tend to Avoid Participatory Financing? A Demand, Regulation, and Uncertainty Framework," Business & Economic Review, Institute of Management Sciences, Peshawar, Pakistan, vol. 10(1), pages 1-32, March.

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