Islom banklari faoliyati Hozirgi kundagi o’sish ko’rsatgichlari

UK:

Five active Islamic

banks

Sukuk on its way

• Kuwait & UAE:
• Hub for Islamic
• banking

• Malaysia:
• Islamic product and industry, development and sophistication leader

• China:
• Active member of Islamic
• Financial Services Board (2004)

• Bahrain:
• Leading Islamic
• financial centre, and housing regulatory bodies

• Saudi Arabia:
• 95%+ of new consumer
• lending is Islamic (2006)
• Retail market rapidly converting to Islamic (2006)

• Har bir davlat o’ziga yarasha kuchga ega

• Japan:
• JBIC exploring Islamic financing opportunities (Dec. 2006)

• Turkey:
• 25 years of Islamic banking experience

• Russia:
• Increasing interest
• VTB – KFH/LMH
• partnership

• France :
• Recent declaration
• of Islamic Banking interest

• Islom tizimidagi (kredit) takliflaridan dunyo boyicha foydalanishi % da

• Mainstream relevance

• Engaging with regulators

• (2008)

• Manba: KFHR Global Islamic Finance Directory 2008

• (2003)

• Niche presence

• Conceptual exploration

• Kuchli iqtisodiyotga ega ekanligi

• Ishonch yuqoriligi

• Islom capital bozorining rivojlangani

• Kapital bozorining liberallashganligi

• Innovatsion tariflar

• Mijozlar ko’pligi va qiziqishning yuqori ekanligi

• EXPLOSIVE GROWTH
• OF ISLAMIC FINANCE

• Nega islom banklari rivojlanmoqda

• Bank rivojlanishida muqobil yo’l

• javobgarlik

• Asosiy vosita, mol mulk

• investitsiya

• depositlar

• Equity shakllari

• mudaraba & musharaka

• Debt shakillari

• ijarah, murabaha,
• salam, istisna‘

• Moliyaviy yordamning asosiy shakli

• Kapitalni sarflash

• Kapital talab qiluvchi sohalar

• Banklar va moliya tizimi

• Principles filter

• Islom banki va moliyasining risk himoyasi

• taqiqlar:
• qiziqishlar
• Taxmin qilishlar

• diniy manbalar
• Ijma’ (jurist consensus)
• Qiyas (analiz)
• Ijtihad (sabablar)

• Musharaka (hamkor)
• Mudaraba (pul boshqaruvida qatnashish)
• Murabaha (xarid qilish va yana qayta sotish)
• Ijara ( lizing)
• Istisna’ (ishlab chiqarish shartnomasi)
• Salam -(sotish)

• Asset-backed transactions with investments in real, durable assets

• Odatiy shartnomalar

• Kerakli tamoyillar

• Taqiqlar:
• Ba’zi sohalar (alakgol.sigaret ,tamaki.)
• investitsiyalar (zaharli sihlab chiqarishlar.)

• Credit and debt products are not encouraged

• Taqiqlangan soha

• Foydasiz soha

• Ijtimoiy xavfli

• Sog’lom hudud

• Islamic
• businesses

• Iqtisodiy xavfli

• Islom moliya institutlarining “sog’lom hudud”i

• Islom bank operatsiyalari

• Pul manbalari

• Non-mudharabah
• depositlar

• Mudarabah
• depositlar

• Aksiyonerning pullari

• Pul joylashtirish
• manbali

• Umumiy soha

• Maxsus soha 1

• Maxsus soha 2

• foyda

• 

• 

• 

• Foyda egalari

• Depositorlar

• Bank

• Depositorlar

• or

• Marketing

• Infrastructuralar
• (soha, IT, risk, xodimlar, etc)

• Depositor

• 3a

• 3b

• Foyda X/Y ko’rinishida taqsimlanadi

• Maxsus ko’chmas mulklarga
• investitsiyalar

• Depositor uni yana K/L investitsiya qiladi

• Ko’chmas mulk

• foyda

• Umumiy ko’rilgan foyda/zarar

• 1

• 2

• zarar

• Yoqotish butunlay investorga
• tushadi

• 3

• Investitsiya aylanmasi