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Attentes des particuliers vis-à-vis du contrat Ijаrа Mоuntahiya Bitаmlik au Maroc : cas de financement du secteur automobile

Author

Listed:
  • Hajar Mraiti

    (FSJES Marrakech - Faculté des Sciences Juridiques, Economiques et Sociales-Marrakech)

  • Ouafa Hicham

    (FSJES Marrakech - Faculté des Sciences Juridiques, Economiques et Sociales-Marrakech)

  • Driss Omerani

    (FSJES Marrakech - Faculté des Sciences Juridiques, Economiques et Sociales-Marrakech)

Abstract

: The aim of this study is to explore the expectations of individuals with regard to the Ijаrа Mоuntahiya Bitаmlik contract for car financing in Morocco, and to identify the factors that may stimulate demand for this Islamic financing product. To do this, we opted for a quantitative approach based on a questionnaire administered to a sample of 100 Moroccan individuals. However, due to the small sample size, the results obtained cannot be generalized to the entire Moroccan population.The results reveal a growing interest in the Ijаrа Mоuntahiya Bitаmlik financial instrument, provided it is offered at a competitive price. However, religious conviction is a determining factor for some individuals, prompting them to accept a slightly higher cost in return for financing in line with the principles of Islamic finance.Nonetheless, this study is a first step in the reflection on the adaptation of the Ijāra Muntahiya Bitamlik contract to the needs of individuals in the automotive sector in Morocco. Keywords: Islamic finance, Ijаrа Mоuntahiya Bitаmlik, Automobile financing, Religious compliance.Classification JEL: G21 Paper type: Empirical Research

Suggested Citation

  • Hajar Mraiti & Ouafa Hicham & Driss Omerani, 2025. "Attentes des particuliers vis-à-vis du contrat Ijаrа Mоuntahiya Bitаmlik au Maroc : cas de financement du secteur automobile," Post-Print hal-05228604, HAL.
    • Handle: RePEc:hal:journl:hal-05228604
    DOI: 10.5281/zenodo.16984966
    Note: View the original document on HAL open archive server: https://hal.science/hal-05228604v1
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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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