Banka kredilerine alternatif olarak murabaha modelinin incelenmesi
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Dosyalar
Tarih
2015
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
Kırıkkale Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Bu araştırma genel olarak bankacılık, katılım bankacılığı, kredi ve faiz, murabaha ve kar payı konularını kapsamaktadır. Özelde ise araştırmada amaçlanan katılım bankalarının uyguladığı murabaha finansman yönteminin teori ve pratikte İslam'ın faiz yasağına uygunluğunun incelenmesidir. Bu amaçla katılım bankaları üzerinde mülakat yöntemi uygulanmıştır. Ayrıca anket yöntemi uygulanarak toplumun konuya bakışı görülmek istenmiştir. Araştırmadan elde edilen sonuçlara göre murabaha yönteminin teoride İslam'ın faiz yasağına uygun bir finansman yöntemi olduğu söylenebilir. Pratikte ise bu yöntem İslam'ın faiz yasağına uygunluk açısından giderilmesi gereken bazı sorunlar barındırmaktadır. Bu sorunların başlıcaları olarak gecikme cezası ve tek fatura uygulamaları gösterilebilir. Ayrıca anket sonuçları toplumun konu hakkındaki doğru bilgi seviyesinin düşük olduğunu göstermiştir.
This research comprises in general the issues of banking, participation banking, credit and interest, as well as murabaha and share of profit. Through this research, it is aimed, In particular, to investigate - in grounds of theory and practice - the compatibility of the murabaha finance method practised by participation banks with the prohibition of interest in Islam. For this purpose, interviews have been implemented on participation banks. Moreover, surveys have been performed in order to observe the attitude of the public towards the issue. According to the results of the research, it can be said that the finance method of murabaha is, in theory, compatible with the prohibition of interest in Islam. However, in practice, this method contains some shortcomings with regards to the prohibition of interest in Islam, which needs to be eliminated. Penalty for delay and one invoice practices can be regarded as leading ones of those problems. Besides, survey results show that public has low level of correct information about the matter in question.
This research comprises in general the issues of banking, participation banking, credit and interest, as well as murabaha and share of profit. Through this research, it is aimed, In particular, to investigate - in grounds of theory and practice - the compatibility of the murabaha finance method practised by participation banks with the prohibition of interest in Islam. For this purpose, interviews have been implemented on participation banks. Moreover, surveys have been performed in order to observe the attitude of the public towards the issue. According to the results of the research, it can be said that the finance method of murabaha is, in theory, compatible with the prohibition of interest in Islam. However, in practice, this method contains some shortcomings with regards to the prohibition of interest in Islam, which needs to be eliminated. Penalty for delay and one invoice practices can be regarded as leading ones of those problems. Besides, survey results show that public has low level of correct information about the matter in question.
Açıklama
Anahtar Kelimeler
Bankacılık, Banking ; Ekonomi, , , , , , , , , , , ,
