Al huda presentation on ijara by mehmood shafqat
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The document provides an overview of Islamic banking in Pakistan, including the history, current strategies and progress, and key financing modes such as Ijara. It discusses past efforts to establish Islamic banking since the 1970s and reasons for their failure. The current strategy involves a gradual multi-pronged approach to transform the economy and establish full-fledged Islamic banks and subsidiaries. Key points covered include the role of the State Bank of Pakistan, industry growth targets, and clarification of common misconceptions about Islamic banking practices.
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Al huda presentation on ijara by mehmood shafqat
- 2. IJARAH Presented by: MAHMOOD SHAFQAT Joint Director Islamic Banking Department The views expressed in this presentation are those of the author and do not necessarily represent State Bank of Pakistan
- 12. Rs. in Billion Industry Progress and Market Share 0.5% 1.3% 1.8% 2% %age of Banking Industry 17 48 70 79 No. of Branches 0.5% 1.4% 2.1% 2.2% %age of Banking Industry 13 44 72 79 Total Assets (Rs. in Bn) 55 2% 54 Mar. 06 48 1.9% 50 Dec.-05 10 30 Financing. & Invest . (Rs. in Bn) 0.4% 1.2% %age of Banking Industry 8 30 Deposits (Rs. in Bn) Dec-03 Dec-04 Description
- 17. IJARAH
- 37. MECHANISM
- 41. USAGE OF IJARAH
- 44. RISKS AND ISSUES
- 51. for You are the Grantor of bounties without measure. Surah Ali ‘Imran 8 Our Lord let not our hearts deviate now after You have guided us but grant us mercy from Your own Presence
- 52. Blot out our sins, and grant us forgiveness Have mercy on us You are our Protector Help us against those who stand against faith Surah Al-Baqarah 286 Our Lord! Lay not on us a burden greater than we have strength to bear Our Lord! Lay not on us a burden Like that which You put on those before us Our Lord! Condemn us not if we forget or fall into error
- 53. THANK YOU Ph: 021-9212509, Fax: 021-9212472 Email: [email_address] http://www. sbp .org. pk /departments/ ibd . htm
Notes de l'éditeur
- Ijara (Leasing) is another popular form of financing tools. It accounts for about 15% of all Islamic transactions. The financier (Lessor) purchases the asset from the vendors and leases its beneficial use to the lessee in return for payment of a periodic rental. Different forms of leasing are permissible, including leases where a portion of the installment payment goes toward the final purchase (with the transfer of ownership to the lessee). Features of Ijara Wa Iqtina lease are close to conventional financial lease. Leasing is designed for financing vehicles, machinery, equipment, and aircraft. “ CLICK TO GO THE NEXT SLIDE”