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master's thesis
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ANALIZA ISLAMSKIH MODELA BANKOVNOG FINANCIRANJA
Marija Jurić (2017)
University of Split
Faculty of economics Split
Metadata
TitleANALIZA ISLAMSKIH MODELA BANKOVNOG FINANCIRANJA : Diplomski rad
AuthorMarija Jurić
Mentor(s)Mario Pečarić (thesis advisor)
Abstract
Islamsko bankarstvo je tip bankarstva koji posljednjih godina bilježi snažan rast i dinamični razvoj. Ono postaje globalni fenomen koji izaziva pažnju brojnih znanstvenika i ekonomskih stručnjaka. Islamska ekonomija temelji se na postulatima islama kao religije, tj. islamskog načina vjerovanja. Ono što predstavlja najveću razliku između islamske i konvencionalne ekonomije su podjela rizika i zabrana kamate. Islamski financijski instrumenti omogućuju efikasnu vezu između financijskih transakcija i realne ekonomije. U ovom radu najviše pozornosti posvećeno je detaljnim analizama modela financiranja. Postavljena hipoteza navodi da su islamski modeli financiranja kvalitetna alternativa konvencionalnom bankarskom sustavu. S ciljem potvrđivanja navedene hipoteze korištene su opće znanstvene i statističke metode istraživanja. Modeli financiranja uglavnom se temelje na vlasničkim ugovorima, no poslovna praksa pokazuje sve veću orijentiranost prema instrumentima koji u sebi imaju karakteristike stvaranja dužničkog odnosa između klijenta i banke. Najbolji primjer za to je Murabaha model koji islamske banke naviše koriste, dok su Mudaraba i Mušaraka, koji predstavljaju ključna teorijska načela islamskog poslovanja, puno manje zastupljeni. Proučavanjem brojnih istraživanja dolazi se do zaključka da su islamske banke za vrijeme posljednje financijske krize bile profitabilnije, učinkovitije, likvidnije i kapitaliziranije u usporedbi s konvencionalnim bankama. Navedeno pokazuje da je ovaj tip banaka znatno otporniji na financijske krize koje pogađaju najznačajnija financijska tržišta. Samim tim potvrđena je postavljena istraživačka hipoteza.
KeywordsIslamic Banking Islamic Finance Models Islamic Economics
GranterUniversity of Split
Faculty of economics Split
PlaceSplit
StateCroatia
Scientific field, discipline, subdisciplineSOCIAL SCIENCES
Economics
Finance
Study programme typeuniversity
Study levelgraduate
Study programmeEconomics
Academic title abbreviationmag. oec.
Genremaster's thesis
Language Croatian
Defense date2017-06
Parallel abstract (English)
Islamic banking is a type of banking that has experienced strong growth and dynamic development in recent years. It has become a global phenomenon attracting attention of many scholars and economic experts. The Islamic economy is based on the postulates of Islam as a religion, i.e. the Islamic faith. The biggest difference between the Islamic and conventional economies is the division of financial risk and prohibition of interest. Islamic financial instruments provide an efficient relation between financial transactions and real economy. In this study, the emphasis is on the detailed analysis of the financing model. The hypothesis is that Islamic financing models are a good alternative to the conventional banking system. In order to confirm this hypothesis, general scientific and statistical research methods have been used. Funding models are mainly based on ownership contracts, but business practice shows an increasing orientation towards instruments that create a debt relationship between the client and the bank. The most commonly used model is the Murabaha model, while Mudarabah and Musharaka, which represent the key theoretic principles of Islamic business, are much less present. Numerous research studies show that the Islamic banks were more profitable, efficient, liquid and capitalized than conventional banks during the last financial crisis. This indicates that this type of banks is significantly more resistant to financial crises affecting the most significant financial markets. The research hypothesis was confirmed.
Parallel keywords (Croatian)islamsko bankarstvo islamski modeli financiranja islamska ekonomija
Resource typetext
Access conditionOpen access
Terms of usehttp://rightsstatements.org/vocab/InC/1.0/
URN:NBNhttps://urn.nsk.hr/urn:nbn:hr:124:646494
CommitterIvana Gizdić