liên ngân hàng tài chính cũng sẽ trở thành một phần của vốn cổ phần của ngân hàng, sử dụng weightage và DPB thích hợp để tính toán lợi : Quản lý tiền gửi trong ngân hàng Hồi giáo trên Cơ sở Mudarabah Hầu hết các ngân hàng Hồi giáo là một cơ chế chia sẻ lợi nhuận được gọi là Mudarabah + | 298 Understanding Islamic Finance items provided that the asset and the rent both are clearly known to the parties at the time of the contract. The Ijarah rate can be fixed or floating provided a clear formula is mutually agreed with a floor and a cap. Rental has to be stipulated in clear terms for the first term of lease and for future renewable terms it could be constant increasing or decreasing by benchmarking. Holders of Ijarah Sukuk jointly acquire ownership in the asset bear the price risks and the ownership-related costs and share its rent by leasing it to any user s . The flexibility described above can be used to develop different contracts and Sukuk that may suit different purposes of issuers and holders. Governments can use this concept as an alternative tool to interest-based borrowing provided they have durable useable assets. Use of assets is necessary while it does not matter whether these assets are commercially viable or not. Funds mobilized by issuance of Ijarah Sukuk may be used to purchase assets for leasing and the rentals received from the users distributed among the Sukuk holders. Ijarah Sukuk can be traded in the secondary market on market price the purchasers replace the sellers in the pro rata ownership of the relevant assets and all rights and obligations of the original subscribers pass on to them. Hence they may help in solving the problems of liquidity management faced by the Islamic banks and financial institutions. Hence Ijarah has great potential for financing public sector projects without the involvement of interest. Ijarah Sukuk certificates can be issued to raise funds from the primary financial market for projects to be started afresh or they can be issued against already existing projects. They can also be sold in the secondary market at a price to be determined by the market. Suppose a government intends to build an airport but is short of funds. It may sign a contract with a contractor to build the airport but at the same .
