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Guarantee of Islamic Bank Investment “Deposit” ضمان المصرف الإسلامي للوديعة الاستثمارية

Author

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  • MOHAMED ALI EL-GARI

    (Associate Professor Department of Economics Faculty of Economics and Administration King Abdulaziz University Jeddah, Saudi Arabia)

Abstract

While commenting on the topic of discussion Gurantee of Islamic Bank for Investment Deposit” a few questions have been raised that seek their answers: -Is there a need for such a guarantee by the Islamic bank? What is that? and why is that? -Is it possible to hold Islamic bank guarantor of the capital of investment deposit on the ground that the bank itself is the Mudarib while it hands over the capital to -another Mudarib involving violation of the rule? -Can monetary authorities check Islamic bank from exposing depositor’s money to the risk of loss? -Are there accepted flqhi evasions on holding the mudarib (working partner) guarantor of Mudara bob capital? -Are there accepted fiqhi evasions / elusions for holding the Mudarib (working partner) guarantor of Mudarabah capital in addition to lumpusum amount of money? -In what way these evasions / elusions differ from the bank interest? -Is it permissible for the bank to voluntarily provide this guarantee? -Is it permissible for a third party to voluntarily provide with such a guarantee? يتطرق هذا التعليق على موضوع حوار ضمان المصرف الإسلامي للوديعة الاستثمارية إلى عدة أسئلة للإجابة عليها ، أهمها : -هل هناك من ضرورة لهذا الضمان في المصرف الإسلامي ؟ ما هي ؟ وما وجهها ؟ -هل يمكن أن يضمن المصرف الإسلامي رأس مال الوديعة الاستثمارية على أساس أنه مضارب دفع مال رب المال إلى مضارب آخر ؟ -هل تمنع السلطات النقدية المصرف الإسلامي من تعريض أموال المودعين لخطر الخسارة؟ -هل هناك محاولات فقهية مقبولة لتضمين العامل المضارب رأس مال المضاربة ؟ -هل هناك محاولات فقهية مقبولة لتضمين العامل المضارب رأس مال المضاربة بالإضافة إلى مبلغ مقطوع ؟ -فيم تختلف هذه المحاولات عن الفائدة المصرفية ؟ -هل يجوز للمضارب أن يتبرع بهذا الضمان ؟ -هل يجوز لجهة ثالثة أن تتبرع بهذا الضمان ؟

Suggested Citation

  • Mohamed Ali El-Gari, 2003. "Guarantee of Islamic Bank Investment “Deposit” ضمان المصرف الإسلامي للوديعة الاستثمارية," Journal of King Abdulaziz University: Islamic Economics, King Abdulaziz University, Islamic Economics Institute., vol. 16(2), pages 61-65, January.
    • Handle: RePEc:abd:kauiea:v:16:y:2003:i:2:no:7:p:61-65
    DOI: 10.4197/islec.16-2.7
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