دور رأس المال الفكري في تنمية المصارف الاسلامية[The role of Intellectual capital in achieving the competitive advantage of the Islamic banking]

This study aims to study the role of Intellectual capital in achieving the competitive advantage of the Islamic banking. Islamic banking ‎ is banking or banking activity that is consistent with the principles of sharia and its practical application through the development of Islamic economics. Although these principles have been applied in varying degrees by historical Islamic economies due to lack of Islamic practice, only in the late 20th century were a number of Islamic banks formed to apply these principles to private or semi-private commercial institutions within the Muslim community. Intellectual capital is being viewed as the real representative concerning the ability of any company to compete or to make success especially after the gradual economic change to the economy based on knowledge. So Intellectual capital becomes the new basis and the most modern production’s factor which regard it as the essential resource to the erection of fortune even more important than the traditional factor of production such as : work, capital and raw materials. Intellectual capital plays important role to support sustained competitive advantage and achieve Islamic banking efficiency , effectiveness , and organizational success.