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Muhammad ayub understanding islamic finance phần 10

Và thông qua cung cấp này, ngân hàng có thể kiếm được lợi nhuận của Rs. 300 000, nghĩa là Rs. 30 000 cho mỗi chiếc xe, ngay cả sau khi trả lại tiền đặt cọc, với giả định rằng các tiền đặt cọc được bao gồm trong giá chào bán. Trả lời 4 theo các thỏa thuận Ijarah, bất kỳ tổn thất | 468 Understanding Islamic Finance The stakeholders must have the knowledge that all Islamic modes have potential for development. Shirkah-based PLS modes that provide the much-needed risk-related funds for development of trade business and industry can be used for short- medium- and longterm project financing import financing preshipment export financing working capital financing and financing of most single transactions. The institution of Mudarabah serves as a basis of business to be conducted by combining funds and the expertise of different groups of people. Mudarabah Sukuk can be issued to mobilize funds and strengthen trading and industrial activities. SPVs can manage such assets and conduct business for their benefit and that of the Sukuk holders. This could generate higher rates of return for the investors relative to the return realizable on any interest-based investment as discussed in Chapter 12. In the case of big projects IFIs may form consortia to issue certificates to the public for subscription. Similarly they can carry out work on infrastructure and socio-economic projects in coordination and partnership with engineering firms. The non-PLS techniques not only complement the PLS modes but also provide flexibility of choice to meet the needs of different sectors and economic agents in society. Murabaha with less risk has several advantages vis-à-vis other techniques and can be helpful in meeting the needs of risk-averse investors employment generation and alleviation of poverty. Leasing is very much conducive to the formation of fixed assets and medium- and long-term investments. Salam has a large potential in financing productive activities in crucial sectors particularly agriculture agro-based industries and the rural economy as a whole. To realize this potential IFIs could organize a forward commodity trade market on the basis of Salam. This would provide not only a nonspeculative forward market for resource mobilization and investment but would .