Pembiayaan perdagangan dan perlaksanaannya dalam sistem perbankan Islam di Malaysia

Pembiayaan perdagangan dan perlaksanaannya dalam sistem perbankan Islam di Malaysia

This study aims to analyse the implementation of the Islamic Trade Finance (ITF) products in the Islamic banks in Malaysia. The research focuses on the application of the muamalat contracts and the related issues that arise during the implementation of these instruments. Previous literature highlig...

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Main Author: Ahmad Khilmy, Abdul Rahim
Format: Thesis
Language:eng
eng
Published: 2013
Subjects:
BP Islam
Bahaism
Theosophy, etc
HG Finance
Online Access:https://etd.uum.edu.my/4256/1/s91453.pdf
https://etd.uum.edu.my/4256/2/s91453_abstract.pdf
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id my-uum-etd.4256
record_format uketd_dc
institution Universiti Utara Malaysia
collection UUM ETD
language eng
eng
advisor Mohamed Naim, Asmadi
Zainol, Zairani
topic BP Islam
Bahaism
Theosophy, etc
HG Finance
spellingShingle BP Islam
Bahaism
Theosophy, etc
HG Finance
Ahmad Khilmy, Abdul Rahim
Pembiayaan perdagangan dan perlaksanaannya dalam sistem perbankan Islam di Malaysia
description This study aims to analyse the implementation of the Islamic Trade Finance (ITF) products in the Islamic banks in Malaysia. The research focuses on the application of the muamalat contracts and the related issues that arise during the implementation of these instruments. Previous literature highlights several issues in the operation of the Islamic banking products such as using controversial contracts, high service charges and ta‟wid. The study sets five objectives to be achieved. First, to identify the types of business financing products offered by Islamic banks; second, to identify and analyse the syariah contracts being used; third, to examine and compare selected banks with respect to the application of the syariah contract and related issues that arise; fourth, to determine how far the banks adhered to the syariah framework in the implementation of the products; and fifth, to suggest alternative banking solutions to the syariah issues that arise. The research sample involved 16 Islamic banks, whilst the detailed study was directed at 5 selected banks: Bank Islam Malaysia Berhad, Bank Muamalat Malaysia Berhad, Kuwait Finance House (M), RHB Islamic and Maybank Islamic. Based on the aims and objectives of the study, the methodology employed is qualitative in nature. The procedures used to gather data were library research and field work involving interview and document analysis. Findings from this study revealed that 9 contracts were applied in the Islamic Trade Finance products, which are, murabahah, bay‟ al-dayn, bay‟ al-„inah, tawarruq, bay‟ bithaman ajil, wakalah, kafalah, mudarabah, musyarakah and the alwa‟ ad principle. The findings subsequently identified 8 syariah issues that arise, which are: (a) riba, (b) issues about subject matter, (c) issues arising from contracts being used, (d) insurance, (e) UCP 600, (f) foreign currency, (g) documentation, and (h) technical issues related to akad. Finally, the study identified several factors concerning syariah issues and differences among the banks in terms of product implementation and contracts, which include no specific guidelines from BNM, the referential preference of the syariah bank advisors and the bank status, either local or foreign in nature.
format Thesis
qualification_name Ph.D.
qualification_level Doctorate
author Ahmad Khilmy, Abdul Rahim
author_facet Ahmad Khilmy, Abdul Rahim
author_sort Ahmad Khilmy, Abdul Rahim
title Pembiayaan perdagangan dan perlaksanaannya dalam sistem perbankan Islam di Malaysia
title_short Pembiayaan perdagangan dan perlaksanaannya dalam sistem perbankan Islam di Malaysia
title_full Pembiayaan perdagangan dan perlaksanaannya dalam sistem perbankan Islam di Malaysia
title_fullStr Pembiayaan perdagangan dan perlaksanaannya dalam sistem perbankan Islam di Malaysia
title_full_unstemmed Pembiayaan perdagangan dan perlaksanaannya dalam sistem perbankan Islam di Malaysia
title_sort pembiayaan perdagangan dan perlaksanaannya dalam sistem perbankan islam di malaysia
granting_institution Universiti Utara Malaysia
granting_department Othman Yeop Abdullah Graduate School of Business
publishDate 2013
url https://etd.uum.edu.my/4256/1/s91453.pdf
https://etd.uum.edu.my/4256/2/s91453_abstract.pdf
_version_ 1747827703969480704
spelling my-uum-etd.42562022-04-10T02:33:13Z Pembiayaan perdagangan dan perlaksanaannya dalam sistem perbankan Islam di Malaysia 2013 Ahmad Khilmy, Abdul Rahim Mohamed Naim, Asmadi Zainol, Zairani Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business BP Islam. Bahaism. Theosophy, etc HG Finance This study aims to analyse the implementation of the Islamic Trade Finance (ITF) products in the Islamic banks in Malaysia. The research focuses on the application of the muamalat contracts and the related issues that arise during the implementation of these instruments. Previous literature highlights several issues in the operation of the Islamic banking products such as using controversial contracts, high service charges and ta‟wid. The study sets five objectives to be achieved. First, to identify the types of business financing products offered by Islamic banks; second, to identify and analyse the syariah contracts being used; third, to examine and compare selected banks with respect to the application of the syariah contract and related issues that arise; fourth, to determine how far the banks adhered to the syariah framework in the implementation of the products; and fifth, to suggest alternative banking solutions to the syariah issues that arise. The research sample involved 16 Islamic banks, whilst the detailed study was directed at 5 selected banks: Bank Islam Malaysia Berhad, Bank Muamalat Malaysia Berhad, Kuwait Finance House (M), RHB Islamic and Maybank Islamic. Based on the aims and objectives of the study, the methodology employed is qualitative in nature. The procedures used to gather data were library research and field work involving interview and document analysis. Findings from this study revealed that 9 contracts were applied in the Islamic Trade Finance products, which are, murabahah, bay‟ al-dayn, bay‟ al-„inah, tawarruq, bay‟ bithaman ajil, wakalah, kafalah, mudarabah, musyarakah and the alwa‟ ad principle. The findings subsequently identified 8 syariah issues that arise, which are: (a) riba, (b) issues about subject matter, (c) issues arising from contracts being used, (d) insurance, (e) UCP 600, (f) foreign currency, (g) documentation, and (h) technical issues related to akad. Finally, the study identified several factors concerning syariah issues and differences among the banks in terms of product implementation and contracts, which include no specific guidelines from BNM, the referential preference of the syariah bank advisors and the bank status, either local or foreign in nature. 2013 Thesis https://etd.uum.edu.my/4256/ https://etd.uum.edu.my/4256/1/s91453.pdf text eng public https://etd.uum.edu.my/4256/2/s91453_abstract.pdf text eng public Ph.D. doctoral Universiti Utara Malaysia 'Adawi, Mustafa b al-. (t.t). Al-Sahih al-Musnad min al-Ahadith al-Qudsiyyah. Mesir: Dar al-Sahabah li al-Turath. 'Adawi, Ali al-Sa‟idi al-. (1412H). Hasyiah al-'Adawi 'ala Syarh Kifayah al-Talib al-Rabbani. Beirut: Dar al-Fikr. 'Ainy, Badruddin Abi Muhammad Mahmud b Ahmad al-. (2001). 'Umdah al-Qari Syarh Sahih al-Bukhari. Beirut: Dar al-Kutub al-Ilmiyyah. 'Ainy, Abu Muhammad Mahmud b Ahmad al-. (1990) Al-Bayanah fi Syarh al-Hidayah. Beirut: Dar al-Fikr. 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