View source for Islamic Banking and Investment by ML. Shoayb Joosub




== Top 20 FREQUENT WORDS ==
customer 20
joosub 20
moulana 20
prepared 19
shoayb 19
asset 12
payment 12
islamic 11
contract 10
delivery 9
mudarib 9
profits 9
price 8
enterprise 7
purchase 7
title 7
future 6
structure 6
date 5
fee 5
salam 5
transfer 5



== DOCUMENT KEY POINTS ==
*unlawful services prepared by moulana shoayb joosub
*unlawful products

*a c the title to the asset is transferred to the customer at the time of purchase but usually the customer provides the same or other assets as collateral to the bank for the period of financing
*a c the bank buys the asset from the vendor a c the customer then buys the asset from the bank at a mark up price p x which is payable on a deferred payment basis

*a c the bank buys the asset from the vendor a c the bank then leases the asset to the customer a c periodic rentals are collected by the bank a c the title of the asset remains with the bank under as operating ijaarah a c title passes to the customer under a lease ending with transfer of ownership either gradually over the period of the contract at the end
*prepared by moulana shoayb joosub

*a c both the bank and the customer contributes towards the capital of the enterprise a c under a diminishing musharakah the customer buys out the bank s share over a period of time
*a c the customer and the bank share in the profits according to the agreed proportions which may be different from the proportions of capital contributed

*a c the balance of the profit of the enterprise is payable to the bank a c if the enterprise makes a loss the bank as the fund provider or rabbul mal has to bear all the losses unless the loss has resulted from negligence on the part of the mudarib
*a c the customer is responsible for the day to day management of the enterprise and is entitled to deduct its management fee mudarib fee from the enterprise s profits

*a c a salam sometimes referred to as salaf is a short term agreement in which a financial institution makes full pre payments for future delivery of a specified quantity of goods on a specified date
*it is similar to a forward contract where delivery is in the future in exchange for spot payment

*in practice it is usually used for construction and trade finance such as pre shipment export finance
*a c istisna is primarily a deffered delivery sale contract similar to salam

*for a defined period the risk and returns associated with the cash flows generated from the assets belong to the sukuk holder
*the characteristics of a sukuk are similar to a conventional bond with the difference being that they are asset backed


 ''Please note, This is an auto generated summary based on sentances position in the document and other factors''
== DOCUMENT WORD ANALYSIS ==
=== Main Category ===
: AlHuda Material\islamic banking


=== KeyWords ===
contract price sale asset financing lease client purchase ijarah payment profit musharakah lessee amount commodity housing agreement contracts ownership project



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== DOCUMENT REFERENCES ==


=== Number of Pages ===
26


=== Published Date ===
2016-09-17 00:26:29


== Full Document ==


[https://www.hodhood.com/en/HodHoodDocuments/IslamicFinance/IslamicBanking/Islamic%20Banking%20and%20Investment%20by%20ML.%20Shoayb%20Joosub.pdf Read the Full Document]


[[Category:Islamic Finance]]

[[Category: Islamic Banking]]