مساهمة صيغ التمويل الاسلامي في تمويل القطاع العقاري

Abstract

Real estate financing is considered one of the fundamental pillars of the economy, as the activation of various economic sectors is closely tied to the availability of funds and loans from different financing sources. In this context, Islamic banks have engaged in this type of financing due to its great importance—particularly in meeting the pressing need for housing, which requires large capital outlays compared to the financing of movable assets. This study aims to highlight the role of Islamic financing instruments in funding the real estate sector in the United Arab Emirates. To determine this role, the study focused on a sample of UAE-based Islamic banks: Dubai Islamic Bank, Abu Dhabi Islamic Bank, and Sharjah Islamic Bank. The research adopted a descriptive-analytical methodology, relying on the annual financial reports of the selected banks during the period 2020–2024 to analyze the development of real estate financing and its contribution to the sector within the UAE. The study concluded that Islamic financing instruments contribute only a limited share to real estate sector financing, with Abu Dhabi Islamic Bank leading among the surveyed banks in terms of real estate financing during the study period.