مقتضيات الؤلاء والبراءفي العصر الحديث

Abstract

Abstract

This study examines the Islamic banking system in the light of Islamic Sharia and highlights its role as a contemporary financial alternative to conventional interest-based banking. The research explores the concept, objectives, and operational principles of Islamic banking, emphasizing its foundation in the Qur’an, Sunnah, and Islamic jurisprudence. It discusses the prohibition of Riba (interest) and the importance of financial transactions based on justice, transparency, risk-sharing, and ethical responsibility.

The study further analyzes the major modes of financing used by Islamic banks, including Mudarabah, Musharakah, Murabaha, Ijarah, and Salam, and evaluates their compliance with Sharia principles. It also addresses the challenges faced by Islamic banking institutions in the modern financial environment and examines their contribution to economic development and social welfare.

The research concludes that Islamic banking provides a viable and ethical financial framework that promotes economic justice, protects the interests of individuals and society, and aligns financial activities with the objectives of Sharia (Maqasid al-Sharia). The study recommends strengthening Sharia supervision and enhancing public awareness to ensure the continued growth and effectiveness of Islamic banking institutions.