صيغة التمويل بالإيجار ودورها في تعظيم ربحية المؤسسات المالية

Abstract

Financing in Islamic banks uses Sharia-compliant methods, to provide financial products to its customers, nlike traditional banks, Islamic banks do not charge interest on the loan and financing because RIBA is prohibited in Islam, instead they use mechanisms such as Murabaha, ijra, mudaraba, Shari'a and other formulas to generate revenue, these financing methods are considered fair and transparent, ijra is the Islamic alternative to both lending at interest, and Islamic banks consider Ijara There is no doubt that lease financing has some aracteristics and advantages that make it one of the most important other forms of financing, and its applied reality at the Arab Islamic International Bank is only the best proof of its importance by adopting it as the most important financing tool in Islamic banks.The reality of Ijara financing at AIB is to provide Ijara financing services to customers under Sharia-compliant Ijara contracts in accordance with the provisions of Islamic law.the financing process is carried out by leasing productive assets or services provided to customers. Ijara financing at AIB is characterized by providing various financial options to customers according to their needs, achieving financing in a manner consistent with the provisions of Islamic law, in addition to providing the necessary support and administrative procedures to complete the process.